The Top Regular Savers Discussion Thread

masonic

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.

Bridlington1

The Archived History Of Regular Savers Thread *** NO CHAT*** thread 2 Year Anniversary Announcement

Today marks the 2 year anniversary of the launch of The Archived History Of Regular Savers Thread *** NO CHAT*** thread (formerly known as An Archived List Of Regular Saver Ts&Cs).

First of all I'd like to take the opportunity to thank you all for your many contributions to this thread and to those who have supplied me archived regular saver Ts&Cs over these past 2 years.

To mark the occasion I thought I'd choose today to unveil the Regular Saver Timeline Spreadsheet (see link below).
https://onedrive.live.com/:x:/g/personal/ED08144CBC200A55/Ed665hLRtetMsfbEnuq6KloB1ekV2QDxBDow5qRw42QIxw?resid=ED08144CBC200A55!s12e6badeb5d14cebb1f6c49eeaba2a5a&ithint=file,xlsx&e=ROWpne&migratedtospo=true&redeem=aHR0cHM6Ly8xZHJ2Lm1zL3gvYy9lZDA4MTQ0Y2JjMjAwYTU1L0VkNjY1aExSdGV0TXNmYkVudXE2S2xvQjFla1YyUUR4QkRvdzVxUnc0MlFJeHc_ZT1ST1dwbmU

This is a read-only spreadsheet, which shall run alongside the two main regular savers threads, providing a visual representation of all of the regular savers that have appeared on the first page of the main regular savers thread since 1st January 2025. 

Each row represents a regular saver, each column represents one day of the year, which are then separated into months. Each regular saver that has appeared on page 1 of the main regular savers since 1/1/25 is included on the timeline and appears as the colour of the month it was launched in on all the days it has been on page 1 of the thread and black on the days it wasn't included. Each listing shows the account name and interest rate(s) that are/have been applicable to it on the days it is included on the main regular savers thread.

The accounts in navy at the top of the spreadsheet are those that were added prior to 1/1/25, the remaining accounts are sorted chronologically in order of the date they were added to page 1 of the thread.

When an account is removed from the list a link to the archived Ts&Cs is then included as a note on its listing.

This spreadsheet is to be updated at the end of each month at the same time as I do my monthly regular saver summaries so should therefore be correct as of 31/8/25.

flaneurs_lobster

Mon BS 

How quickly one's expectations change. Until this month I'd accept that my deposits would take a couple of days to show up online, now I'm annoyed that yesterday's cash isn't up and running in the app.

surreysaver

Speculator said:

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 

Kim_13

surreysaver said:

Speculator said:

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 

They sent it on 18/8, but there has been confusion this time around due to the wording of that email suggesting it was 30 days from the effective date rather than the notification date. 

Coventry haven’t responded to my secure message sent before they opened yesterday, if they don’t answer soon I guess I will close the Loyalty Saver myself and then raise a complaint if a penalty is applied.

judgingjudy

flaneurs_lobster said:

Mon BS 

How quickly one's expectations change. Until this month I'd accept that my deposits would take a couple of days to show up online, now I'm annoyed that yesterday's cash isn't up and running in the app.

Mine isn’t there either, so I’m glad it’s not just me. I’ve only been a customer for a couple of months - do you mean that prior to last month, the deposits would take a couple of days to show for MBS accounts, or was that a general observation?

I must say that I am very unimpressed with MonBS, as the app doesn’t work for me and their customer support is very poor. If the rates and allowances weren’t as generous on these products then I would ditch them but sadly I feel a bit stuck! There are worse problems to have, of course. 

Kim_13

judgingjudy said:

flaneurs_lobster said:

Mon BS 

How quickly one's expectations change. Until this month I'd accept that my deposits would take a couple of days to show up online, now I'm annoyed that yesterday's cash isn't up and running in the app.

Mine isn’t there either, so I’m glad it’s not just me. I’ve only been a customer for a couple of months - do you mean that prior to last month, the deposits would take a couple of days to show for MBS accounts, or was that a general observation?

I must say that I am very unimpressed with MonBS, as the app doesn’t work for me and their customer support is very poor. If the rates and allowances weren’t as generous on these products then I would ditch them but sadly I feel a bit stuck! There are worse problems to have, of course. 

Yes, two working days was/is the norm for a payment to show online. I’ll be surprised if the payments show today now as somewhere between 7 and 8am on the day of appearing was how it worked previously.

The app had been a day quicker than online until now.

Chaykin

My MonBS payments into my 3x different RSs which I did yesterday morning are now showing on the app with yesterday's date.

flaneurs_lobster

Chaykin said:

My MonBS payments into my 3x different RSs which I did yesterday morning are now showing on the app with yesterday's date.

Yes, me too.

clivep

35har1old said:

clivep said:

Nationwide

Regular saver matures later this month. 13th payment has been returned. In the past Nationwide has allowed the 13th payment. Is this a change in policy?

How long did it take to be returned?

Nationwide

I can't say exactly when...

I looked at the Bank of Scotland a/c mid-morning and could see all the standing order transactions for regular savers had been processed followed by the 2 x £200 ones returned by Nationwide.