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The Top Regular Savers Discussion Thread

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Comments

  • jameseonline
    jameseonline Posts: 1,215 Forumite
    1,000 Posts First Anniversary Name Dropper
    edited 2 September at 1:15AM
    NatWest and RBS don't have a minimum amount to fund every month, I've never had standing orders setup for either, just manually paid in from NatWest and RBS current accounts.

    Think the only standing orders setup I've had before are HSBC, First Direct & TSB, TSB being 1 you can get rid of but the other 2 you have to keep unless closing but then you also don't earn the interest rate etc
    You can cancel HSBC SO too.  It's just First Direct, I can't think of any other RS that requires SO.
    I've not been with either for a while due to  HSBC mainly doing 5%, as for First Direct I have commitment issues so best not to start then get penalties, but I've successfully completed First Direct in the past a few times
  • Speculator
    Speculator Posts: 2,399 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    roked said:
    I closed my Coventry seasonal RS today due to the rate dropping below my threshold and wanted to use the funds for other RS's anyway. Surprised to see that I seem to have only got a two-week penalty on interest instead of a full month. Not complaining :)
    There should be no penalty for closing due to the rate drop.
  • 35har1old
    35har1old Posts: 2,101 Forumite
    1,000 Posts Second Anniversary Name Dropper
    edited 2 September at 2:34AM
    Slinky said:
    I've just tried logging in to Progressive to check my SO has arrived today, and after putting in my password it's come up with a Salesforce page asking me to change my password.  Never had this before, I've abandoned the login. Is this genuine?
    Yes it appears to be genuine.

    It did the same to me a week or so ago, I changed my password and all is good.

    I have worked my entire life working in IT, and I was surprised that they use Salesforce for authentication it makes no sense, but then I thought this is the only institution to stop using SMS message 2FA and swap to WhatsApp ....
    Site doesn't operate correctly if in private window won't go back to accounts.
    They haven't stopped using SMS messages
    Both take equally as long to come through 
    Online services don't appear to run 24 hrs a day 
  • 35har1old
    35har1old Posts: 2,101 Forumite
    1,000 Posts Second Anniversary Name Dropper
    masonic said:
    Slinky said:
    Well that's odd. Having abandoned the login attempt without changing the password, when I went back to try and login again, the account page was already open without me changing the password. Feels a tad dodgy.
    They are using Salesforce to power the online banking site. It is probably just that the password change is poorly enforced. You may get nagged again during your next login session.
    Any authenticator works but Salesforce is already open when you open the phone and it only requires a swipe to proceed
  • 35har1old
    35har1old Posts: 2,101 Forumite
    1,000 Posts Second Anniversary Name Dropper
    WillPS said:
    Hattie627 said:
    s71hj said:
    Re Monmouthshire branch exclusive RS, still nothing showing for me and my wife in the App. Posted forms last Wed am and based on others experience was hoping for something by now. 
    Ditto. Posted application form plus cheque last Wed am and nothing showing on app so far. Postal service where I am is not particularly reliable. I will phone Monmouthshire if nothing showing by midweek.
    It's entirely possible the forms haven't been delivered yet, particularly if you used second class/freepost/reply paid service. Royal Mail ask for 10 postage days to pass before they'll entertain that an item was delayed or lost.

    Also entirely possible Monmouthshire are now backed up with postal applications.
    Perphaps they are now enforcing the terms of the account 
    Not suitable if you want to open by phone app or post
  • 35har1old
    35har1old Posts: 2,101 Forumite
    1,000 Posts Second Anniversary Name Dropper
    roked said:
    I closed my Coventry seasonal RS today due to the rate dropping below my threshold and wanted to use the funds for other RS's anyway. Surprised to see that I seem to have only got a two-week penalty on interest instead of a full month. Not complaining :)
    There should be no penalty for closing due to the rate drop.
    Should have got a letter saying the above
  • masonic
    masonic Posts: 27,906 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    35har1old said:
    masonic said:
    Slinky said:
    Well that's odd. Having abandoned the login attempt without changing the password, when I went back to try and login again, the account page was already open without me changing the password. Feels a tad dodgy.
    They are using Salesforce to power the online banking site. It is probably just that the password change is poorly enforced. You may get nagged again during your next login session.
    Any authenticator works but Salesforce is already open when you open the phone and it only requires a swipe to proceed
    This was a discussion about being prompted to change your password when logging in.
  • surreysaver
    surreysaver Posts: 4,968 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    roked said:
    I closed my Coventry seasonal RS today due to the rate dropping below my threshold and wanted to use the funds for other RS's anyway. Surprised to see that I seem to have only got a two-week penalty on interest instead of a full month. Not complaining :)
    There should be no penalty for closing due to the rate drop.
    If I understand Coventry's T&Cs correctly, it is within a certain amount of time of receiving notification of the rate drop - not of the rate actually dropping.
    Can't remember when Coventry sent out its notifications, but I think it was quite a while ago 
    I consider myself to be a male feminist. Is that allowed?
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