The Old Regular Savers Discussion Thread 28/12/24-29/1/26

RosieRooBear

Snapdragon said:

Bob2000 said:

YBS £50 regular saver. 

I saw that people were talking about how much interest their matured account generated a few pages back. Mine was £27.08

I know it isn’t a very exciting post, but I'm still new to all this.

YBS £50 regular saver. Mine matured today but I can't take the money out!

I tried the app, and I can see the acct is now a different acct with the interest of £26.53 but the app doesn't allow you to close it, it says go online, however the online login isn't working, I've tried multiple times over the past 3 hours but can't get past first login screen. Tried different browsers, tried going to website manually rather than my bookmark and also tried going via the link in the help, all result in an 'error processing' message. Even tried their report an issue button which gave the same error. 

Anyone else having issues with YBS online today, or has anyone successfully got their maturity funds today, so I know whether its just me  :'( 

@Snapdragon, both myself and my husband have closed ours this morning online using Safari on an IPad.

CricketLady

Hey Snapdragon, YBS is working fine for me although I did have a problem yesterday, but once I temporarily disabled Nord VPN it worked fine, not sure if this is of any use to you!

It does say on the YBS website the number to call if you're having difficulties which is 0345 1200 100

Don't fret, you'll get there in the end but I feel your frustration, it is annoying when this happens, you're not alone!

Sending you a virtual cup of tea and a biscuit, good luck xx

Gers

My YBS app was glitchy this morning - had to re-register.  I transferred the monies to an existing saver account which already had my external account set up. Got £27.08 in interest, spent it already!

Bridlington1

OrangeBlueGreen said:

Is the collective thinking that as YBS have a 5.05% RS that they won't be launching anything else for savings week? I was hoping for 7% or maybe 8% (considering it's on a low monthly deposit amount)..

When I spoke to them they said they were going to be launching a £50 RS, with it being promoted between the 22nd and 25th with similar terms to last year but as of yet they don't know what the interest rate shall be or the exact date of launch.

Bridlington1

clairec666 said:

Bridlington1 said:

Monmouthshire BS	Regular Saver Issue 4	C	Unlimited	3.40%	V	£0	£350
Monmouthshire BS	Regular Saver Issue 5	C	Unlimited	3.40%	V	£0	£350
Monmouthshire BS	Regular Saver Issue 6	C	Unlimited	3.40%	V	£0	£350
Monmouthshire BS	Regular Saver Issue 7	C	Unlimited	3.40%	V	£0	£350

I'm noticing that these are far lower than Monmouthshire's current offering. Any idea whether they started at a decent rate and dropped off, or has the rate stayed fairly stable in line with the base rate? (Just trying to second guess what might happen with the current 6% and 7% accounts - although as both have unlimited withdrawals I can just pull the money out if they slash the rate too much.)

MBS have offered a string of lower rate regular savers so the ones you quote weren't decent rates to start with.

Their Exclusive RS launched in 2024 started off at 6% and has since fallen to 4.9% though.

Snapdragon

Yorkshire BS - Thanks everyone who responded, to my query, very helpful.
I tried again via the app and it sent me online from the phone which I've never used before (always use online from my laptop) but at least got passed the login! Had to set up myself as new payee on matured acct and it was fussy about how much I could transfer but managed to leave just £1.53. Will close another day when its being less glitchy! So hopefully will have my money tomorrow.
What a palaver though, not sure I'll bother again, just not worth the hassle for such small amounts. I do have 30+ regular savers and they are not usually much hassle to administer but YBS rates have been dire of late, so I've steered clear. Now there are quite a few offering larger pay-ins I think I'll stick with those, although won't turn down multiple Principalities as haven't any issues to date with those 

Hattie627

Suffolk BS One Year Variable Rate RS (31.3.26) (NLA)

Rate dropping to 4.60% (from 4.75%) on 1st October.

Source: email

ChewyyBacca

Monmouth Branch Exc RS saga
I had sent my postal application end Aug with a cheque (the only cheque book I have). I called Monm last week & this week on 8 Sep, they checked & said they didn't receive it. It was suggested that I cancel the cheque & resend the application.
I called HSBC & requested for stop cheque. I would rather eat straw than call HSBC, they are the absolute worst.

Today, in my app, I see two Branch Exc RS, one with a credit of £500 dated 8 Sept. (cheque date 27 Aug)
Now that cheque is never going to clear, as theres 'stop cheque' on that.

Which of the two Branch accounts should I fund? or be cheeky & fund both, for my troubles?

Speculator

Applied for the Monmouth Branch 7% on 31st Aug by 2nd class post without cheque. Been checking my app daily and its just appeared on my app today.

trickydicky14

RosieRooBear said:

Snapdragon said:

Bob2000 said:

YBS £50 regular saver. 

I saw that people were talking about how much interest their matured account generated a few pages back. Mine was £27.08

I know it isn’t a very exciting post, but I'm still new to all this.

YBS £50 regular saver. Mine matured today but I can't take the money out!

I tried the app, and I can see the acct is now a different acct with the interest of £26.53 but the app doesn't allow you to close it, it says go online, however the online login isn't working, I've tried multiple times over the past 3 hours but can't get past first login screen. Tried different browsers, tried going to website manually rather than my bookmark and also tried going via the link in the help, all result in an 'error processing' message. Even tried their report an issue button which gave the same error. 

Anyone else having issues with YBS online today, or has anyone successfully got their maturity funds today, so I know whether its just me  :'( 

@Snapdragon, both myself and my husband have closed ours this morning online using Safari on an IPad.

For those who do not have other accounts with YBS I would keep this account open with just a small amount in it. It's paying 4.05%, not the best rate but worth keeping as a foot in the door and still a reasonable rate.