The Top Regular Savers Discussion Thread

innocentlove

Scottish Building Society: Managing your savings account

Paying money into your savings account

You can make deposits into your savings account in any of our Relationship Centres by cash or cheque, by post (cheques only), by electronic transfer from your nominated UK bank account . You can also pay money in using an eligible debit card. Please note debit card payments are capped at £1,000.

Can anyone shed light on what is "an eligible debit card" mean please? Thanks.

jameseonline

To the person talking about Santander Edge things, it's nothing to be majorly concerned about yet (if ever), I've also received an email from Santander:

So basically all that means is that they've launched a new Edge account and if you have that account you can also have an Edge Saver.

But defo get a new Edge Saver as 4%is poor

allegro120

innocentlove said:

Scottish Building Society: Managing your savings account

Paying money into your savings account

You can make deposits into your savings account in any of our Relationship Centres by cash or cheque, by post (cheques only), by electronic transfer from your nominated UK bank account . You can also pay money in using an eligible debit card. Please note debit card payments are capped at £1,000.

Can anyone shed light on what is "an eligible debit card" mean please? Thanks.

I think it means a debit card that has your name on it and the card is not expired.

masonic

ThePirates said:

liamcov said:

So how many of these 6% easy-access/'regular saver' accounts can one person have?

You can have 2, 1 for each Edge Current Account you hold.

Not wishing to prolong the agony for those enjoying this discussion, but it should be pointed out that there is a limit of 1 sole Edge Current Account per customer. A second account must be joint.

Chaykin

Principality BS

I decided to record step-by-step what I always done with renewing accounts. Never had a rejection yet (5x successful renewals so far with this one pending) and I always done the same. Never had an automated sent message created as well. This was all done at around 6:00 PM on Monday 13/10/2025 using a laptop.

1. https://drive.google.com/file/d/1vp_I80WjmRvi-KYtX1SAk9RytcZ8rfX5/view - click on "Your maturity options".

2. https://drive.google.com/file/d/1ArpRVtJZLoy2HJiBg0iW9TnO3Bns9U0J/view - select option 2.

3. https://drive.google.com/file/d/1S31k9AsxFeRUKIRCx246hAbA0jLvGF-b/view - select 6 Month Regular Saver and enter £200.00.

4. https://drive.google.com/file/d/1bhQP7BCfpszak6WKZPm2AnFFzPKou6xz/view - I actually click on "View Summary Box" before clicking "Continue".

5. https://drive.google.com/file/d/1aQ7hHBXZr_TTpebp0mlJBE-bpjyqPJCP/view - tick everything and "Continue".

6. https://drive.google.com/file/d/14_lbhRWeJZL-KS_1G1FCcjunP0PgzfHs/view - select "By electronic transfer" and enter details of my external account. Leave "Reference" empty.

7. https://drive.google.com/file/d/1DIB28dSz8DYDUUKOKDSCeWxlx8EOPntD/view - confirmation of payee details match.

8. https://drive.google.com/file/d/1uP9jsX9rbqUDj7i4xA_UVQiX68b7oHQC/view - confirmation of details.

9. https://drive.google.com/file/d/1VDQbn7uGRr6bwhkXgskTTTmED4u16nB8/view - confirmation of submitted instruction.

10. https://drive.google.com/file/d/1_7xk9E43R26MAUmi_joi6hWhuY9Zfhxc/view - account now shows confirmed maturity instructions.

As mentioned - this approach is yet to fail me but, obviously, your experience may vary. Was not wearing a green shirt.

surreysaver

nottsphil said:

surreysaver said:

friolento said:

surreysaver said:

exel1966 said:

Catplan said:

castle96 said:

Santander - confirmed with them. OneEdge Saver (6% for a yr) for each current account (1 single and 2 for joint). Only downside is the £3 mthly fee for each current account, but if you have some SOs in there it compensates

It is well documented that you can avoid the fee, by not setting up DD’s. It’s now possible to have three, the two you suggest plus an Edge Explorer account allows one as well.

Anything to do with RS? Perhaps you posted this in the wrong thread.

The Edge Saver is like a regular saver, only it allows you to put all your money in in one go at the beginning 

Given that the essence of a Regular Saver is regular deposits, the Edge saver is anything but a Regular Saver. 

Nor is is being described or marketed as a Regular Saver by Santander. 

Nobody has yet described the Cahoot Sunny Day Savers or similar offerings as Regular Savers, even though they have very similar characteristics as the Edge saver, and long may this thread be reserved for true Regular Savers.

 

All I was doing was responding to someone whingeing about the Edge Saver being discussed on here. I know it's not a regular saver. I was responding to them.
You could always use the Edge as Regular Saver if you wanted?

You could say that to justify just about any non-term savings account appearing in this thread! 
In your defence however, I do think the criticism should have been directed at Castle 96, who appears to have initiated the Edge discussion. 

I'm not trying to justify anything. I was just explaining to someone who was whingeing about the Edge Saver account being discussed on this forum why it was being discussed on this forum.
At no point have I said the Edge Saver is a Regular Saver. All I said was it has some of the characteristics of a regular saver, which it does.

flaneurs_lobster

masonic said:

ThePirates said:

liamcov said:

So how many of these 6% easy-access/'regular saver' accounts can one person have?

You can have 2, 1 for each Edge Current Account you hold.

Not wishing to prolong the agony for those enjoying this discussion, but it should be pointed out that there is a limit of 1 sole Edge Current Account per customer. A second account must be joint.

Um, then my two sole Edge Current Accounts must be a mistake? 

surreysaver

flaneurs_lobster said:

masonic said:

ThePirates said:

liamcov said:

So how many of these 6% easy-access/'regular saver' accounts can one person have?

You can have 2, 1 for each Edge Current Account you hold.

Not wishing to prolong the agony for those enjoying this discussion, but it should be pointed out that there is a limit of 1 sole Edge Current Account per customer. A second account must be joint.

Um, then my two sole Edge Current Accounts must be a mistake? 

I was wondering how I could obtain two sole accounts. I tried and as I've already got an Edge, it wouldn't give me an Edge as an option (apologies in advance to anyone who may beco annoyed at my discussing an account which is not a regular saver account)

ThePirates

flaneurs_lobster said:

masonic said:

ThePirates said:

liamcov said:

So how many of these 6% easy-access/'regular saver' accounts can one person have?

You can have 2, 1 for each Edge Current Account you hold.

Not wishing to prolong the agony for those enjoying this discussion, but it should be pointed out that there is a limit of 1 sole Edge Current Account per customer. A second account must be joint.

Um, then my two sole Edge Current Accounts must be a mistake? 

Mine too! I've had 2 sole accounts for a while now.

Bridlington1

francoghezzi said:

surreysaver said:

trickydicky14 said:

surreysaver said:

exel1966 said:

Catplan said:

castle96 said:

Santander - confirmed with them. OneEdge Saver (6% for a yr) for each current account (1 single and 2 for joint). Only downside is the £3 mthly fee for each current account, but if you have some SOs in there it compensates

It is well documented that you can avoid the fee, by not setting up DD’s. It’s now possible to have three, the two you suggest plus an Edge Explorer account allows one as well.

Anything to do with RS? Perhaps you posted this in the wrong thread.

The Edge Saver is like a regular saver, only it allows you to put all your money in in one go at the beginning 

How is it like a RS? surely it's a easy access savings account that has a limit on how much you can put in and get interest.

Like I said, it has all the characteristics of a regular saver (higher interest rate, maximum balance, maturity date when the interest rate drops) except for the fact you can put your money in at the beginning. And take it out (a similarity with other regular savers). It has the additional benefit of being able to replace funds withdrawn 

...but the fact that "you put the money all in the beginning" is exactly why this is not a regular saver. Happy to read about it, but no one can convince me that we're talking about a regular saver

If I may I'd like to take the opportunity to request that any further discussion surrounding the Santander Edge Saver be be taken elsewhere on the grounds that the Santander Edge Saver is not a regular saver and thus does not fall within the scope of this thread.

I would say the Santander Edge Saver would be better off being discussed in The New Top Easy Access Savings Discussion Area thread instead of this one.

I'll add that I don't mind it being mentioned briefly in passing but would rather people not discuss it at length in this thread.