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The Top Regular Savers Discussion Thread
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BestSeagull said:ForumUser7 said:Anyone's Green Regular Savers and Regular Monthly Savers at Darlington state Easy Access Saver @ 2.50%?
I was hanging on to it just in case it became competitive again on the way down but to be honest, I'm quite happy to have it off my RS list now.If you want me to definitely see your reply, please tag me @forumuser7 Thank you.
N.B. (Amended from Forum Rules): You must investigate, and check several times, before you make any decisions or take any action based on any information you glean from any of my content, as nothing I post is advice, rather it is personal opinion and is solely for discussion purposes. I research before my posts, and I never intend to share anything that is misleading, misinforming, or out of date, but don't rely on everything you read. Some of the information changes quickly, is my own opinion or may be incorrect. Verify anything you read before acting on it to protect yourself because you are responsible for any action you consequently make... DYOR, YMMV etc.0 -
Re the Virgin 10% RS which recently closed, I transferred out the balance £3,137.93 once it changed to the EA in the early hours, but wasn't sure if any further interest was due as it last received interest of £64.10 on 30 June and then paid my final £250 on 3 July which brought the balance to what I withdrew, so wondering if there is a bit of interest due for July. Looking to finally get rid of Virgin once everything is sorted.0
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akh43 said:Re the Virgin 10% RS which recently closed, I transferred out the balance £3,137.93 once it changed to the EA in the early hours, but wasn't sure if any further interest was due as it last received interest of £64.10 on 30 June and then paid my final £250 on 3 July which brought the balance to what I withdrew, so wondering if there is a bit of interest due for July. Looking to finally get rid of Virgin once everything is sorted.
I understand from previous comments on this thread that the interest for July will be paid at the end of September, unless you close the account that matured before then.0 -
No it doesn't really appeal, I have a 6.50% Nationwide, 6.25% Skipton and 5.74% Coventry and decided to drop to 3 RS for a while unless something higher than I have appears, which I doubt. Not closed the Virgin EA I transferred the money out for now so its showing zero. I don't really want to wait until September so maybe I should actually close the EA account to see if that generates the last bit of interest. Strange way of doing it giving the final interest so long after maturity.All I have left with Virgin is the current with pennies in, the M Saver again with pennies in and the other 2 accounts at zero, hence why looking to get rid as have had many issues with Virgin over the past few years. I only opened in the first place to get a good rate ISA several years ago and have never really used the current account, just used for savings.0
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akh43 said:No it doesn't really appeal, I have a 6.50% Nationwide, 6.25% Skipton and 5.74% Coventry and decided to drop to 3 RS for a while unless something higher than I have appears, which I doubt. Not closed the Virgin EA I transferred the money out for now so its showing zero. I don't really want to wait until September so maybe I should actually close the EA account to see if that generates the last bit of interest. Strange way of doing it giving the final interest so long after maturity.All I have left with Virgin is the current with pennies in, the M Saver again with pennies in and the other 2 accounts at zero, hence why looking to get rid as have had many issues with Virgin over the past few years. I only opened in the first place to get a good rate ISA several years ago and have never really used the current account, just used for savings.0
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akh43 said:No it doesn't really appeal, I have a 6.50% Nationwide, 6.25% Skipton and 5.74% Coventry and decided to drop to 3 RS for a while unless something higher than I have appears, which I doubt. Not closed the Virgin EA I transferred the money out for now so its showing zero. I don't really want to wait until September so maybe I should actually close the EA account to see if that generates the last bit of interest. Strange way of doing it giving the final interest so long after maturity.All I have left with Virgin is the current with pennies in, the M Saver again with pennies in and the other 2 accounts at zero, hence why looking to get rid as have had many issues with Virgin over the past few years. I only opened in the first place to get a good rate ISA several years ago and have never really used the current account, just used for savings.
6.5% is better than 5.74% and 6.25%, no?
If your 10% Virgin RS was full, you should receive something in the order of £22 interest for July.
You would be in good company if you kept a cost- and maintenance-free dormant VM current account, as it might serve as a pre-req for interesting accounts, such as their ISAs and Regular Savers. The 6.5% gives those with historic VM accounts essentially two (some people even three) 6.5% Nationwide RSs. Who knows what other gooddies and opportunities might appear.1
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