The Top Regular Savers Discussion Thread

Bridlington1

Coventry BS Loyalty Mortgage Saver (2) at 4.8% appears to've disappeared from moneyfacts, suggesting it shall go NLA within hours.

PixelPound

Bridlington1 said:

clairec666 said:

flaneurs_lobster said:

Hal17 said:

Clairec666 add a Pending Receipt cell to your spreadsheet. 

...or colour the cell, I use grey until the deposit is confirmed.

Done. Nice to see my balance restored to yesterday's levels (plus interest).

I spend far too much of my time on my spreadsheet

I'm a bit lazier with my spreadsheet than you are it seems so don't have that issue, mine's updated less frequently than yours. I certainly don't go checking account balances as frequently as that.

I just have a tab with a list of all my accounts on it in the form of a table, all that's on this list is account, interest rate, date interest is paid and balance. This list gets copied/pasted and updated once every few months or so (whenever I get round to it). I don't bother to include the interest rates for a lot of the accounts either, the ones that are opened with a minimal balance at a low interest rate don't have the rates updated.

I've then got another tab with all my regular savers listed, a new list is created monthly with Bank/building society, Name, Interest rate, Paid from, Balance prior to deposit, Day of Month it can be paid, Matures, Interest paid, Withdrawals/early closure, Min deposit and Max deposit columns.

For the regular savers tab I just highlight them red if they're not getting funded and are getting closed this month, put them in orange if they're getting minimal/no funding but are to be kept and then green the regular savers off when I fund them. I never bother to check if the funds have arrived unless it's the first time I'm paying them, so far as I'm concerned as soon as it's green it's done.

I've then another tab which contains a list of interest earned to date (updated whenever I update the first tab) and another tab with a list of my nominated accounts (updated as and when).

Most of my other records (e.g. interest rate cuts, Ts&Cs for regular savers etc) are kept on this forum so I don't bother to keep a separate record of them.

You should use Conditional Formatting. I have the maturity date and the cell changes colour if it's less than 30 days into the future and again if if it's on or in the past. Means at a glance I can see which accounts I need to start considering what to do with the cash or replacement / renewal options and also when I need to act. 

Aidanmc

Hanley
COP didn't match the account using the application ref number as payment reference. Account opened yesterday.

flaneurs_lobster

Aidanmc said:

Hanley
COP didn't match the account using the application ref number as payment reference. Account opened yesterday.

Me too, ignored CoP warning and paid the min balance of £25 by FP yesterday (using RBS, some banks don't allow you to proceed past this point).

Showing on account this AM, followed it with remaining month's funding.

Kim_13

Gave opening Hanley on mobile device another go this morning (selecting the request desktop website option) and it gave me a completely different view when logging in as directed. Opened and funded. 2 withdrawals per tax year so it’s effectively 4 withdrawals over the term if timed right.

Guessing you just add the account number as a reference on the Direct Debit form, as I can’t see anything else that can be done. It will be useful to have a DD for the required £25 and then top up from there as funds allow.

Slinky

Hanley, my attempt to validate the application failed, currently number 2 in the queue on their phoneline, where I've been for about 15 minutes. If you're ahead of me, please hurry up!

Hattie627

flaneurs_lobster said:

Aidanmc said:

Hanley
COP didn't match the account using the application ref number as payment reference. Account opened yesterday.

Me too, ignored CoP warning and paid the min balance of £25 by FP yesterday (using RBS, some banks don't allow you to proceed past this point).

Showing on account this AM, followed it with remaining month's funding.

You presumably have access online to see the payment? If so, can you confirm that the account number is the same as the application reference?

friolento

HANLEY

I FPed my opening deposit yesterday morning, well before their daily deadline. The money showed up today, with a credit date of today. I am not overly impressed but can’t be bothered to contact them about it.

Aidanmc

Hattie627 said:

flaneurs_lobster said:

Aidanmc said:

Hanley
COP didn't match the account using the application ref number as payment reference. Account opened yesterday.

Me too, ignored CoP warning and paid the min balance of £25 by FP yesterday (using RBS, some banks don't allow you to proceed past this point).

Showing on account this AM, followed it with remaining month's funding.

You presumably have access online to see the payment? If so, can you confirm that the account number is the same as the application reference?

I emailed Hanley about this yesterday. They confirmed i can use the application reference number when making a bank transfer deposit. 
Some others here also said the numbers were the same.
I went ahead wit the deposit this morning, CoP didn't match but i proceeded anyhow. 

flaneurs_lobster

Hattie627 said:

flaneurs_lobster said:

Aidanmc said:

Hanley
COP didn't match the account using the application ref number as payment reference. Account opened yesterday.

Me too, ignored CoP warning and paid the min balance of £25 by FP yesterday (using RBS, some banks don't allow you to proceed past this point).

Showing on account this AM, followed it with remaining month's funding.

You presumably have access online to see the payment? If so, can you confirm that the account number is the same as the application reference?

Yes it is, but I was an existing customer and I don't know if this makes any difference.