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

kermchem

Bobblehat said:

kermchem said:

s71hj said:

Then somebody will come up with a cunning strategy to open both! 

All current YBS regular savers appear to have both an e and a branch/postal version with the T&Cs saying that you cannot have both, or more than one (unless joint).

You're new here, aren't you? T&C's are only meaningful if they are enforced ..... according to many frequent contributors to this thread!

I may be new here, but I have lurked for a while. 

Oops, I seem to have more than one PrincipalityBS 6 month RS account of the same issue.

I don't have both app and branch Exclusive MonBS accounts for the reason that I cannot fill both. I am one of those people for whom MonBS offering 7% (variable) on £1000 a month has set a new floor to where I save.

Now, if YBS are going to offer 8% online and/or in branch on £50 a month, are you suggesting that a bus ticket to a local branch is worthwhile to check their T&Cs? (Bus cheaper than stamp on postal application)

s71hj

kermchem said:

Bobblehat said:

kermchem said:

s71hj said:

Then somebody will come up with a cunning strategy to open both! 

All current YBS regular savers appear to have both an e and a branch/postal version with the T&Cs saying that you cannot have both, or more than one (unless joint).

You're new here, aren't you? T&C's are only meaningful if they are enforced ..... according to many frequent contributors to this thread!

I may be new here, but I have lurked for a while. 

Oops, I seem to have more than one PrincipalityBS 6 month RS account of the same issue.

I don't have both app and branch Exclusive MonBS accounts for the reason that I cannot fill both. I am one of those people for whom MonBS offering 7% (variable) on £1000 a month has set a new floor to where I save.

Now, if YBS are going to offer 8% online and/or in branch on £50 a month, are you suggesting that a bus ticket to a local branch is worthwhile to check their T&Cs? (Bus cheaper than stamp on postal application)

Many of us stockpile prepaid envelopes and axourthw Web for free post addresses 

friolento

kermchem said:

Bobblehat said:

kermchem said:

s71hj said:

Then somebody will come up with a cunning strategy to open both! 

All current YBS regular savers appear to have both an e and a branch/postal version with the T&Cs saying that you cannot have both, or more than one (unless joint).

You're new here, aren't you? T&C's are only meaningful if they are enforced ..... according to many frequent contributors to this thread!

I may be new here, but I have lurked for a while. 

Oops, I seem to have more than one PrincipalityBS 6 month RS account of the same issue.

I don't have both app and branch Exclusive MonBS accounts for the reason that I cannot fill both. I am one of those people for whom MonBS offering 7% (variable) on £1000 a month has set a new floor to where I save.

Now, if YBS are going to offer 8% online and/or in branch on £50 a month, are you suggesting that a bus ticket to a local branch is worthwhile to check their T&Cs? (Bus cheaper than stamp on postal application)

A unique oppty to exercise my senior 🚌 pass

friolento

Gers said:

easysaver said:

Moneyfacts showing Yorkshire BS £50 Regular Saver @ 8%. Not currently showing on YBS.co.uk

Previously indicated by @Bridlington1 although iirc the rate was unknown at the time.

Moneyfacts indicating opening only in branch or by post! Seems a bit backward for YBS.

I can't see this account on Moneyfacts at all now

s71hj

s71hj said:

kermchem said:

Bobblehat said:

kermchem said:

s71hj said:

Then somebody will come up with a cunning strategy to open both! 

All current YBS regular savers appear to have both an e and a branch/postal version with the T&Cs saying that you cannot have both, or more than one (unless joint).

You're new here, aren't you? T&C's are only meaningful if they are enforced ..... according to many frequent contributors to this thread!

I may be new here, but I have lurked for a while. 

Oops, I seem to have more than one PrincipalityBS 6 month RS account of the same issue.

I don't have both app and branch Exclusive MonBS accounts for the reason that I cannot fill both. I am one of those people for whom MonBS offering 7% (variable) on £1000 a month has set a new floor to where I save.

Now, if YBS are going to offer 8% online and/or in branch on £50 a month, are you suggesting that a bus ticket to a local branch is worthwhile to check their T&Cs? (Bus cheaper than stamp on postal application)

Many of us stockpile prepaid envelopes and axourthw Web for free post addresses 

Scour!!!! 

Bobblehat

kermchem said:

Bobblehat said:

kermchem said:

s71hj said:

Then somebody will come up with a cunning strategy to open both! 

All current YBS regular savers appear to have both an e and a branch/postal version with the T&Cs saying that you cannot have both, or more than one (unless joint).

You're new here, aren't you? T&C's are only meaningful if they are enforced ..... according to many frequent contributors to this thread!

I may be new here, but I have lurked for a while. 

Oops, I seem to have more than one PrincipalityBS 6 month RS account of the same issue.

I don't have both app and branch Exclusive MonBS accounts for the reason that I cannot fill both. I am one of those people for whom MonBS offering 7% (variable) on £1000 a month has set a new floor to where I save.

Now, if YBS are going to offer 8% online and/or in branch on £50 a month, are you suggesting that a bus ticket to a local branch is worthwhile to check their T&Cs? (Bus cheaper than stamp on postal application)

I'm the wrong person to ask for advice on looking at "cunning strategies" (nicely put, BTW!). While I would wish anyone good luck if inclined to chance multiple applications/conversions etc, I am not one to knowingly do so myself, if it is obviously against any relevant clear T&C's. 

Someone is bound to chip in with their version of a "cunning strategy", in this case. 

Kim_13

friolento said:

Gers said:

easysaver said:

Moneyfacts showing Yorkshire BS £50 Regular Saver @ 8%. Not currently showing on YBS.co.uk

Previously indicated by @Bridlington1 although iirc the rate was unknown at the time.

Moneyfacts indicating opening only in branch or by post! Seems a bit backward for YBS.

I can't see this account on Moneyfacts at all now

Hopefully they'll launch it with an e version tomorrow, although I wasn't expecting it until next week. I seem to recall the online one being the hold up last year.

jameseonline

Bridlington1 said:

Coventry BS are launching a Sunny Day Saver (2) at 4.3% (var), £150/mth, unlimited withdrawals.

In addition it comes with prize draws, See below for details:
https://secure.coventrybuildingsociety.co.uk/savings-and-investments/application/SpecificTermsAndConds.aspx?prodCode=SDS2

Note the account is ineligible for inclusion on the first page of this thread owing to the thresholds.

Think I'll pass on that, very poor rate which means it's just a prize draw account with no guarantee of winning anything.

Bob2000

I'm no expert, but the new Sunny Day Regular Saver is a bit naff, ain't it?
So on that note lve just opened one and set up a SO for £11.50.
Fingers crossed, I'll  be a winner soon.

Bridlington1

Loughborough BS have announced another round of interest rate cuts (effective 1/10/25):

Account	Old rate	New rate
Loughborough BS 1 Year Super Saver	6.00%	NO CHANGE
Loughborough BS 2 Year Super Saver	5.00%	NO CHANGE
Loughborough BS Holiday Monthly Saver	5.60%	NO CHANGE
Loughborough BS Limited Access Monthly Saver	4.45%	NO CHANGE
Loughborough BS Regular Monthly Saver Account	2.25%	NO CHANGE
Loughborough BS Five Year Retirement Monthly Saver	5.50%	NO CHANGE