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The Top Regular Savers Discussion Thread
Comments
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clairec666 said:s71hj said:janusdesign said:s71hj said:Re Principality issue 4, I managed a payment this month. Is it worth trying for a 7th payment ie 1/2/26 bearing in mind end date of account is 28/2/26.
Yes the difference might be small but you could apply that same thinking to each month's deposit and never bother with regular savers to begin with.0 -
I stopped paying into my regular savers (lower than 8.5%) for an few months recently, and left the money in an IG share dealing account, earning a promotional rate of 8.5% which is coming to an end at the end of this month
Ive resumed the reg savers by withdrawing money from the IG account in the past few days to get some money in the reg savers before the month ends, so that it earns a higher rate after the IG promo rate drops, for the duration of the reg savers.
i think my logic is sound but as dcs34 says, the difference is probably incredibly small 😅😂0 -
dcs34 said:clairec666 said:s71hj said:janusdesign said:s71hj said:Re Principality issue 4, I managed a payment this month. Is it worth trying for a 7th payment ie 1/2/26 bearing in mind end date of account is 28/2/26.
Yes the difference might be small but you could apply that same thinking to each month's deposit and never bother with regular savers to begin with.
This particular loophole of fund Principality with a 7th payment gains maybe 3% over an EA on that £200 and perhaps less than that (1.5% more if you instead put the money into one of the Regular Savers currently paying 6%) for a maximum of 31 days. This appears to come with a lower chance of success than the maturity options trick and if it doesn’t work, you’ll be earning 0% on the money for as long as it takes Principality to reverse it. If you’re already in breach of the Ts and Cs with a far greater benefit (multiple of the same issue, as the poster confirms they are) then it’s better to keep that running than risk it all for loose change.3 -
orange-juice said:I stopped paying into my regular savers (lower than 8.5%) for an few months recently, and left the money in an IG share dealing account, earning a promotional rate of 8.5% which is coming to an end at the end of this month
Ive resumed the reg savers by withdrawing money from the IG account in the past few days to get some money in the reg savers before the month ends, so that it earns a higher rate after the IG promo rate drops, for the duration of the reg savers.
i think my logic is sound but as dcs34 says, the difference is probably incredibly small 😅😂I choose the rooms that I live in with care,
The windows are small and the walls almost bare,
There's only one bed and there's only one prayer;
I listen all night for your step on the stair.0 -
Kim_13 said:dcs34 said:clairec666 said:s71hj said:janusdesign said:s71hj said:Re Principality issue 4, I managed a payment this month. Is it worth trying for a 7th payment ie 1/2/26 bearing in mind end date of account is 28/2/26.
Yes the difference might be small but you could apply that same thinking to each month's deposit and never bother with regular savers to begin with.
This particular loophole of fund Principality with a 7th payment gains maybe 3% over an EA and on that £200 perhaps less than that (1.5% more if you instead put the money into one of the Regular Savers currently paying 6%) for a maximum of 31 days. This appears to come with a lower chance of success than the maturity options trick and if it doesn’t work, you’ll be earning 0% on the money for as long as it takes Principality to reverse it. If you’re already in breach of the Ts and Cs with a far greater benefit (multiple of the same issue, as the poster confirms they are) then it’s better to keep that running than risk it all for loose change.0 -
trickydicky14 said:orange-juice said:I stopped paying into my regular savers (lower than 8.5%) for an few months recently, and left the money in an IG share dealing account, earning a promotional rate of 8.5% which is coming to an end at the end of this month
Ive resumed the reg savers by withdrawing money from the IG account in the past few days to get some money in the reg savers before the month ends, so that it earns a higher rate after the IG promo rate drops, for the duration of the reg savers.
i think my logic is sound but as dcs34 says, the difference is probably incredibly small 😅😂0 -
for those thinking of applying for the Monmouthshire BS Branch Exclusive Regular Saver (Issue 1) by mail, just to let you know that I posted the completed application form 1st Class, along with a cheque, at 5pm on Wednesday and the account has just been added to the app this morning (Friday) - that's quicker than I expected... i've manually added the account to the MonBS online... many thanks to @Bridlington1 for mentioning the postal option and linking to the pdf.
the balance is still zero, so I guess the cheque won't clear now until next week and assume the opening date will be when its cleared rather than received - if that's the case, it should count as next month's deposit.9 -
Dudley Building Society
Loyalty One Year Regular Saver 6% var on £500.
Just got a call from a very nice lady, I had completely forgotten to fund this at the end of July. They were about to close it, as ts & cs state it can only be open for 30 days without being funded.
Just in case, someone else has forgotten.1 -
orange-juice said:I stopped paying into my regular savers (lower than 8.5%) for an few months recently, and left the money in an IG share dealing account, earning a promotional rate of 8.5% which is coming to an end at the end of this month
Ive resumed the reg savers by withdrawing money from the IG account in the past few days to get some money in the reg savers before the month ends, so that it earns a higher rate after the IG promo rate drops, for the duration of the reg savers.
i think my logic is sound but as dcs34 says, the difference is probably incredibly small 😅😂0 -
janusdesign said:for those thinking of applying for the Monmouthshire BS Branch Exclusive Regular Saver (Issue 1) by mail...
the balance is still zero, so I guess the cheque won't clear now until next week and assume the opening date will be when its cleared rather than received - if that's the case, it should count as next month's deposit.0
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