The Top Regular Savers Discussion Thread

Hattie627

mhoc said:

I've got to sort out the maturity instructions for various Principality but please can I ask if a regular saver issue 34 becomes a 6 month saver issue 4 does the account number and details stay the same (despite the different  maximum amounts that can be added per month) ?
For efficiency I am thinking of adjusting the standing orders as I do each one.

I've had an ongoing issue with Principality timing out on me and having to log back in numerous times so what I do now is at the start of the month I log on and photo each account separately.
Then I can go through  the Google chart and check each one has been funded and then the photo gets deleted. 

When I was away in August I came back to 60 pages of posts mainly about Monmouthshire.
I've only been away for a long weekend and came back to 20 pages on Principality maturity instructions. 
I think in future I will stick to just day trips  

Re account numbers, the answer is yes.  Here is an extract from my account records showing that I had an RSB34 rolling over into a 6 month RS Issue 3 back in May 2025, account number stayed the same.

Six Month Regular Saver (Issue 3) (#3) account number XXXXXXXX (opened on 30th May 2025, maturing on 30th November 2025) (£200 per month) [rollover from Regular Saver Bond Issue 34 with same account number which matured on 30th May 2025]

allegro120

mhoc said:

I've got to sort out the maturity instructions for various Principality but please can I ask if a regular saver issue 34 becomes a 6 month saver issue 4 does the account number and details stay the same (despite the different  maximum amounts that can be added per month) ?
For efficiency I am thinking of adjusting the standing orders as I do each one.

I've had an ongoing issue with Principality timing out on me and having to log back in numerous times so what I do now is at the start of the month I log on and photo each account separately.
Then I can go through  the Google chart and check each one has been funded and then the photo gets deleted. 

When I was away in August I came back to 60 pages of posts mainly about Monmouthshire.
I've only been away for a long weekend and came back to 20 pages on Principality maturity instructions. 
I think in future I will stick to just day trips  

Principality
My issue 34 became 6 month issue 3 and the account number stayed the same.  The same happened to all my recently matured RSs except Triple Access.

homestraight

Principality. My maturity instruction (option 4) for Xmas regular saver to 6 month regular saver has been refused today by secure message. First time it's happened to me. C'est la vie

Born2Save_3

Born2Save_3 said:

Kent Reliance Regular Savings Account 5.1%A, £500 a month

Has anyone had any success opening an account without having to visit a branch ?

I happened to be in Canterbury last year so opened one to establish a relationship but didn't fund it much till the latter months.  KR seem to have been fairly good keeping the rate at 5.1%A for a while and through a number of BoE reductions.

Whenever I've called them I keep asking if I can open an account by post, over the phone, online, with a telephone appointment or any way apart from visiting, without success.  Sadly, they have a call centre so it is not as easy as some other organisations to find a helpful person in a branch.

Any further examples or suggestions anyone ?

Angelica123

homestraight said:

Principality. My maturity instruction (option 4) for Xmas regular saver to 6 month regular saver has been refused today by secure message. First time it's happened to me. C'est la vie

I had similar with my maturity instructions for Principality Issue 3 6 month saver. I chose option 2 on Sat and got secure message on Mon refusing it. 

csw5780

Principality: is it “reasonable, clear and fair” to offer maturity options which are selected in good faith; only to later refuse them?

jim1999

csw5780 said:

Principality: is it “reasonable, clear and fair” to offer maturity options which are selected in good faith; only to later refuse them?

Arguably not, but if people kick off it will only encourage them to disable the entire feature and then no-one will benefit at all from this loophole.

clairec666

csw5780 said:

Principality: is it “reasonable, clear and fair” to offer maturity options which are selected in good faith; only to later refuse them?

But in all honesty, are any of us selecting it "in good faith"? Most of us here are selecting an option we know we shouldn't have been given, in the hope it will will go unnoticed. Hence several pages of comments on the matter.

Kim_13

csw5780 said:

Principality: is it “reasonable, clear and fair” to offer maturity options which are selected in good faith; only to later refuse them?

I suspect they would argue the option was not selected in good faith, since the summary box included with the maturity pack clearly states that accounts are limited to one per issue at any one time. It would be reasonable to expect the summaries to be read before selecting and the customer to be bound by the terms contained within. Those who have been refused once and received the message pointing out that accounts are limited to one per customer per issue only to try again while still holding a current issue account would lose the defence of ‘My bad, I overlooked that line’ or ‘The summary box was missing from my maturity pack.’

They could clearly close the loophole easily by making every account like the Triple Access Saver with no options, but that makes their accounts less user friendly to everyone else in that account numbers would need to be changed every time, with the delay to COP working that comes with that.

shirley999

clairec666 said:

csw5780 said:

Principality: is it “reasonable, clear and fair” to offer maturity options which are selected in good faith; only to later refuse them?

But in all honesty, are any of us selecting it "in good faith"? Most of us here are selecting an option we know we shouldn't have been given, in the hope it will will go unnoticed. Hence several pages of comments on the matter.

Is it not fair to assume that they have since relaxed the terms to now allow multiple accounts if that is what you're offered?