The Top Regular Savers Discussion Thread

Middle_of_the_Road

WillPS said:

mhoc said:

Since last month I have dropped down to £25 per month into the Stafford BS to free up funds and improve cash flow for the new better interest paying regular savers.
Please can I ask for suggestions as to what other BS regular savers have now dropped so low I could just pay the minimum in now until maturity date comes around. 

Rather depends what your cut off is. Nottingham's Branch Regular Saver (down to 5.5%) and Mansfield's Bonus Regular saver (down to 5.6% inc bonus) have fallen below mine, as well as MonBS (a pretty mediocre 5.2% now, listed above).

Their latest offering at 4.75% 500pcm would have tempted me, but for the fact I've just revived the Cov FHS2 at 4.8% 1k pcm.

schiff

The number of Principality RSs I have is getting overwhelming! It needs a separate spreadsheet!
The perfect way to make the monthly deposits - I don't use SOs - is to load one of their easy access accounts with the sum total of the RS monthly deposits on the last day of the month and from 00.01 on the first day of the month (including non banking days) transfer the RS monthly requirements to the RSs - on the website, not the app. 

Dizzycap

mhoc said:

Since last month I have dropped down to £25 per month into the Stafford BS to free up funds and improve cash flow for the new better interest paying regular savers.
Please can I ask for suggestions as to what other BS regular savers have now dropped so low I could just pay the minimum in now until maturity date comes around. 

It depends on the minimum interest rate you're personally willing to accept. Mine's 5.5% with the exception of a fixed Lloyds @ 5.25% which I use to put any remaining monthly interest payments into as the rate is higher than any of the access or easy access accounts I have. Plus, I can withdraw in an instant should I need to.

I certainly don't and won't open RS for the sake of having them.

flaneurs_lobster

schiff said:

The number of Principality RSs I have is getting overwhelming! It needs a separate spreadsheet!
The perfect way to make the monthly deposits - I don't use SOs - is to load one of their easy access accounts with the sum total of the RS monthly deposits on the last day of the month and from 00.01 on the first day of the month (including non banking days) transfer the RS monthly requirements to the RSs - on the website, not the app. 

This works well (I think it was @schiff who suggested it to me). Up to 9 RSs now.

I wish there were an app.

flaneurs_lobster

Dizzycap said:

It depends on the minimum interest rate you're personally willing to accept. 

Is it not more true to say it depends on what funds are available for RS loading each month? Start with the Virgin 10% and carry on down the sorted spreadsheet until you run out of cash.

GetRichOrDieSaving

Does anyone know how I would be able to access the Principality website on my phone over in Australia? I just getting an error screen saying “sorry something has gone wrong”. I’m currently here and need to access some accounts and apply for the new 6 month RS3. 

Thank you in advance. 

WillPS

GetRichOrDieSaving said:

Does anyone know how I would be able to access the Principality website on my phone over in Australia? I just getting an error screen saying “sorry something has gone wrong”. I’m currently here and need to access some accounts and apply for the new 6 month RS3. 

Thank you in advance. 

Maybe try a UK VPN? (There are free ones but make sure it's a service you trust!)

charlie12525

GetRichOrDieSaving said:

Does anyone know how I would be able to access the Principality website on my phone over in Australia? I just getting an error screen saying “sorry something has gone wrong”. I’m currently here and need to access some accounts and apply for the new 6 month RS3. 

Thank you in advance. 

I had the same problem when abroad. I was on my laptop. I used a vpn - either tunnelbear or windscribe - both free, to access my account.

Speculator

GetRichOrDieSaving said:

Does anyone know how I would be able to access the Principality website on my phone over in Australia? I just getting an error screen saying “sorry something has gone wrong”. I’m currently here and need to access some accounts and apply for the new 6 month RS3. 

Thank you in advance. 

Had similar problem in HK because I was using local Wifi. Luckily I had a UK mifi with a UK 3 24gb data sim.

Emily_Joy

Dizzycap said:

surreysaver said:

I didn't realise the Co-Op set up standing orders themselves? I can't transfer money to the Co-Op Regular Saver from my Co-Op current account, I have to treat it as an external payee. And even then it doesn't save it, and I have to enter the account details each time. It's just easier to set it up from a different bank.

Yes, they do. It's the only way I can fund my Co-op Regular Saver monthly SO or manually. I have tried payment from another external current account but both times the payments were returned, so I stuck with what works.

I fund my Co-Op RS from Halifax using SO without issues.