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The Top Regular Savers Discussion Thread
Comments
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pedrodelgado said:Question. Would it be more beneficial to open say 4 regular savers from different providers and put the maximum allowed in each one for say the first couple of months then a nominal amount to keep them open for the remaining months, thus having a bigger overall sum for 11 or 12 months than you would have had if opening one and saving monthly into that? Any thoughts?I'm sure @Bobblehat can rustle up a good spreadsheet to come up with the best strategy!
So comparing results ...
Using the 4 x RS's Pedrodelgardo mentioned (I make it £1100pm using Bridlington1's page 1 figures).
Those 4 RS's can be funded with £0 for the 10 months.
Using £2200/12 = £183.33 for 12 equal monthly fund comparison.
Picking a typical EA rate now ~ 4.5%.
4 x RS's no drip feed Total £134.65
4 x RS's + drip feed Total £138.78
Best single RS + drip feed £128.80
Best single RS no drip feed £83.42
No RS's, leave fund in EA £99
If I've made any errors, I can fix and repost.
Edit: Fat-fingered EA and cloned it throughout - corrected in tables (if reprinted) and text now.
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20122013 said:These are the VM's Current accounts I can see on their website, which one is the cheapest / no frills account which qualifies for the VM RS account, please?
https://uk.virginmoney.com/current-accounts/pca/
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Monmouthshire RS now showing as up-and-running (I applied through the website), with first payment credited on 31st July, the day I sent it (in spite of their no transactions until activated comment). Hope it's the same for others.3
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Digital_Payback said:easysaver said:Skipton BS
Anyone else waiting for their deposits (faster payment from Chase at 01:23 on 1st Aug) from yesterday to show on their account(s)? I've experienced this before and it's irritating to say the least.
What do others do to avoid it? Can I fund my base rate tracker and do internal transfers from there? But won't that payment not get credited on time too? Fundamentally, is Skipton BS just unreliable?1 -
badger09 said:Skipton
Thanks for the heads up on Skipton’s slow processing of incoming SOs early hours on 1st. I intended to set up SO from BoS from 1Sept but will fund by FP or debit card instead.They are both showing today and credited today, 4th August.I’ll be doing a manual posting from now on at a later time of the day. Until now Skipton deposits always showed same day as posted, usually within a couple of hours.
Lesson learned.Digital Payback
The National Lottery : A tax on those who aren’t good at maths.0 -
gt94sss2 said:Digital_Payback said:easysaver said:Skipton BS
Anyone else waiting for their deposits (faster payment from Chase at 01:23 on 1st Aug) from yesterday to show on their account(s)? I've experienced this before and it's irritating to say the least.
What do others do to avoid it? Can I fund my base rate tracker and do internal transfers from there? But won't that payment not get credited on time too? Fundamentally, is Skipton BS just unreliable?0 -
My deposits to Skipton from 30.07.25 and 01.08.25 are still not showing.0
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I made a manual payment to Skipton from Cahoot at approx 1am on the 1st August. The same issue (so not just SOs) - credited today. This is the response I got with the chat function on Skipton. I’ll wait until working hours next time, despite it never being a problem in the past.0
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Digital_Payback said:badger09 said:Skipton
Thanks for the heads up on Skipton’s slow processing of incoming SOs early hours on 1st. I intended to set up SO from BoS from 1Sept but will fund by FP or debit card instead.They are both showing today and credited today, 4th August.I’ll be doing a manual posting from now on at a later time of the day. Until now Skipton deposits always showed same day as posted, usually within a couple of hours.
Lesson learned.0 -
snow62 said:Monmouthshire RS now showing as up-and-running (I applied through the website), with first payment credited on 31st July, the day I sent it (in spite of their no transactions until activated comment). Hope it's the same for others.
Still haven't received any paperwork, though, 9 days after it was posted...0
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