The Top Regular Savers Discussion Thread

Bridlington1

happybagger said:

AndyTh_2 said:

coventry 
Sunny Day Saver - down to 4.15% (from 4.3%)

Rubbish rate gets even more rubbish for a RS but probably still worth keeping going with £10 p/m until August for the prize draw entry (incidentally @Bridlington1 the link to this account in "no chat" says wayback no longer has that page saved)

That's odd, I've just checked the link and it seems to be working fine for me.

happybagger

Bridlington1 said:

happybagger said:

AndyTh_2 said:

coventry 
Sunny Day Saver - down to 4.15% (from 4.3%)

Rubbish rate gets even more rubbish for a RS but probably still worth keeping going with £10 p/m until August for the prize draw entry (incidentally @Bridlington1 the link to this account in "no chat" says wayback no longer has that page saved)

That's odd, I've just checked the link and it seems to be working fine for me.

The Coventry Sunny Day Saver Issue 2 link still shows for me:

Hrm.

The Wayback Machine has not archived that URL.

Click here to search for all archived pages under https://www.coventrybuildingsociety.co.uk/member/product/savings/regular_saver/."

GetRichOrDieSaving

Darlington - Cowboy errors restricting customers from accessing their own money due to internal issues and a possible rate reduction (TBC) without informing customers, not contacting us directly about the interest overpayment. I will be closing this account once the interest has been recorrected as they clearly can’t manage the money correctly. 

On another note. Progressive BS - Website login has been under maintenance all day when mine and probably many others regulars savers have matured leaving our 12 months of funds + interest stranded in a lower paying EA account with no info provided on the website as to when the account can be accessed. Very poor. 

I’ll be making complaints to both in due course.

dibbles212

Kim_13 said:

francoghezzi said:

dibbles212 said:

happybagger said:

dibbles212 said:

arthurdick said:

happybagger said:

Re: Darlington BS interest

They are aware as there is a banner across the top of their homepage.
No account closures permitted until they sort it, apparently.

Oh well, to be expected, I don't blame them, if it help them keep afloat, all good.  I will still be staying with them once it is sorted, it was nice to see it though.

I attempted to withdraw and close from my Issue 1 this afternoon after noticing that the rate is dropping to 4.5% later this month, and I need the funds soon. The interest accrued looked reasonable (it shows what is accrued when you confirm closure), and it allowed me to withdraw and close the account. I'll hopefully receive the money later today.

Sounds like a different issue of the RS. Mine is at 6%

I'm taking Issue 1 to be the RS at 4.75% and Issue 2 to be the one at 6%.

Both dropping by 0.25% on 20th Jan.

And where is it written that the rates are dropping on 20th Jan ? This is totally new for me and nothing can be read on the Darlington BS website

Can’t find it either. You’d have thought they might hold the RS rates as an apology for their interest and closures suspended blunder.

I was notified via post this morning

Bridlington1

happybagger said:

Bridlington1 said:

happybagger said:

AndyTh_2 said:

coventry 
Sunny Day Saver - down to 4.15% (from 4.3%)

Rubbish rate gets even more rubbish for a RS but probably still worth keeping going with £10 p/m until August for the prize draw entry (incidentally @Bridlington1 the link to this account in "no chat" says wayback no longer has that page saved)

That's odd, I've just checked the link and it seems to be working fine for me.

The Coventry Sunny Day Saver Issue 2 link still shows for me:

Hrm.

The Wayback Machine has not archived that URL.

Click here to search for all archived pages under https://www.coventrybuildingsociety.co.uk/member/product/savings/regular_saver/."

Apologies, I'm getting this:



I'm going off p1 of the archived thread, the link below:

https://web.archive.org/web/20250918172154/https://www.coventrybuildingsociety.co.uk/member/product/savings/regular_saver/sunny-day-saver-2.html

I'm assuming you're referring to this link?

dibbles212

dibbles212 said:

Kim_13 said:

francoghezzi said:

dibbles212 said:

happybagger said:

dibbles212 said:

arthurdick said:

happybagger said:

Re: Darlington BS interest

They are aware as there is a banner across the top of their homepage.
No account closures permitted until they sort it, apparently.

Oh well, to be expected, I don't blame them, if it help them keep afloat, all good.  I will still be staying with them once it is sorted, it was nice to see it though.

I attempted to withdraw and close from my Issue 1 this afternoon after noticing that the rate is dropping to 4.5% later this month, and I need the funds soon. The interest accrued looked reasonable (it shows what is accrued when you confirm closure), and it allowed me to withdraw and close the account. I'll hopefully receive the money later today.

Sounds like a different issue of the RS. Mine is at 6%

I'm taking Issue 1 to be the RS at 4.75% and Issue 2 to be the one at 6%.

Both dropping by 0.25% on 20th Jan.

And where is it written that the rates are dropping on 20th Jan ? This is totally new for me and nothing can be read on the Darlington BS website

Can’t find it either. You’d have thought they might hold the RS rates as an apology for their interest and closures suspended blunder.

I was notified via post this morning

I've just noted that the letter is dated 6 January 2026!

happybagger

Bridlington1 said:

happybagger said:

Bridlington1 said:

happybagger said:

AndyTh_2 said:

coventry 
Sunny Day Saver - down to 4.15% (from 4.3%)

Rubbish rate gets even more rubbish for a RS but probably still worth keeping going with £10 p/m until August for the prize draw entry (incidentally @Bridlington1 the link to this account in "no chat" says wayback no longer has that page saved)

That's odd, I've just checked the link and it seems to be working fine for me.

The Coventry Sunny Day Saver Issue 2 link still shows for me:

Hrm.

The Wayback Machine has not archived that URL.

Click here to search for all archived pages under https://www.coventrybuildingsociety.co.uk/member/product/savings/regular_saver/."

Apologies, I'm getting this:



I'm going off p1 of the archived thread, the link below:

https://web.archive.org/web/20250918172154/https://www.coventrybuildingsociety.co.uk/member/product/savings/regular_saver/sunny-day-saver-2.html

I'm assuming you're referring to this link?

Yes I'm going off that link and I'm getting the message I posted above, not what you have screenshotted? Odd.

Bridlington1

ChewyyBacca said:

Bridlington1 said:

ChewyyBacca said:

I need to withdraw from/close Yorkshire Loyalty Regular eSaver at 4.85%, to release some funds for Jan

Before I do that, just wanted to check here, if YBS offers any favourable maturity accounts that I should wait for, as maturity of this RS is early Feb.
Thanks

The only thing to bear in mind with YBS is that their systems seem to struggle to calculate how long you've been a member when your membership consists of overlapping accounts as it seems to go off the length of time your oldest open account has been open. It's for this reason I've kept hold of an EA account from 2022 with £1 in it.

If it isn't your oldest open YBS account I'd just close it, the account just rolls into an EA account at a lower rate.

Bridlington1 Thank you. I need to look at account opening date, though my excel sheet isnt complete in this regard. Anywhere mentioned on webapp the AOD?

Apologies for the delayed response, I haven't really stopped today.

I don't have their app but in online banking I can't see anywhere where the opening date is states explicitly but there is a workaround to work it out:

If you click on the account and then try to filter the transactions, you can flick back through the months. The calendar won't let you go back to before the account was opened. If I take my Internet Saver Plus Issue 11 as an example, I can find I opened the account on 10/6/22 using this method.

roked

GetRichOrDieSaving said:

Darlington - Cowboy errors restricting customers from accessing their own money due to internal issues and a possible rate reduction (TBC) without informing customers, not contacting us directly about the interest overpayment. I will be closing this account once the interest has been recorrected as they clearly can’t manage the money correctly. 

On another note. Progressive BS - Website login has been under maintenance all day when mine and probably many others regulars savers have matured leaving our 12 months of funds + interest stranded in a lower paying EA account with no info provided on the website as to when the account can be accessed. Very poor. 

I’ll be making complaints to both in due course.

I logged in earlier with no issues, did not know there was maintenance going on. Mine was supposed to be matured today too, there was no interest when I checked, I assumed it would be overnight instead

where_are_we

Dizzycap said:

where_are_we said:

Moving funds - another vote for the same day ever since easy access interest rates increased significantly. Santander allow you until 2pm to fulfil SO`s. I do it in the morning. 

That means you are running your SO's on 2nd attempts. SO's go out at around 1am on the date that they're due. It's ok if your bank makes all the 2nd SO attempts, but sometimes banking systems move on some SO's to payment for the next month because the initial payment should have already been made. Personally, I've found Lloyds is a terror for 2nd attempt 2pm SO errors, resulting in you having to make manual payments which is a pain when you've got a number of RSs, in addition to, Lloyds having stopped you being able to label your SO's, leaving just your name & a load of account numbers  Aparently, it's progress 

I have never had this problem and I have been doing same day payments to cover numerous SO`s and DD`s into my current account for a long time. They have always gone through. Together with my OH it works out at about £2 in extra interest a month using a 5% easy access account.