The Top Regular Savers Discussion Thread

Bigwheels1111

I hope the principality stays open until the 31st. When my old one matures.
I should then get my third Reg saver 4 opened, plus will take out the xmas saver.
A better deal than renewing my TSB reg saver at 5%.

allegro120

Bob2000 said:

MARKET HARBOROUGH REGULAR SAVER. 

Can someone  remind me what happens  to the account  on maturity on 30th November, please.

Does it turn into an easy access account that you can then transfer out and close, or can you just close the account on maturity?
I don't want to stay with this building society once my account ends.
Thank you.

MHBS
On maturity the account will be transferred to an easy access account and you will be able to close it.

ThePirates

clairec666 said:

ThePirates said:

clairec666 said:

Principality: We got into a good healthy debate a few pages back about whether a higher rate for 6 months was better than a lower rate for 12 months.

I might tinker around with a spreadsheet to see which one is the better option.

@claire666 any chance of a copy of that part of you spreadsheet, I'm struggling with the 6mths v 12mths somewhere else at a lower rate!

This is what I've got so far:
https://docs.google.com/spreadsheets/d/1n50F6t5Jsb3kpjSVxP7HwvaoLDi0a0-IjllulAmxrGE/edit?usp=sharing

Assuming for the sake of simplicity that you've got £150 a month to deposit (yes, the 6 month account has a higher limit, but in order to compare the two accounts fairly I've pretended they both have a limit of £150).

Scenario 1: open a 6 month regular saver and fund it with £150 each month. When it matures, see if you can manage to get yourself two accounts, continuing to fund one with new money, while using the matured account to fund the other one.
Any remaining funds can sit in an easy access account (I've set it to 3.5% here) while waiting to drip-feed.

Scenario 2: open a Christmas regular saver and fund it with £150 each month for a year.

If you just stick the 6-month proceeds into a current account paying 0% interest, then you'll actually get less interest over the year than if you picked the 12 month account. (This is what started the debate earlier in this thread.) But the interest gained on the drip-feed account will swing things back in favour of the 6 month account.

Brilliant, thanks!

refluxer

Just tried to open the Hanley Eco BS 1 Year Online Smart Saver and it looks like they might have disabled online applications for now - I get the same message either while applying through online banking (as an existing customer) or from their homepage (as a new customer would).

The application is currently unavailable.

We are currently experiencing some problems and are unable to continue with your application. Please try again later.

mhoc

Principality Christmas 2026 all sorted but the question now is as they have set the bar so high will Yorkshire Building Society have a similar Christmas saver .... 

Rudyson

refluxer said:

Just tried to open the Hanley Eco BS 1 Year Online Smart Saver and it looks like they might have disabled online applications for now - I get the same message either while applying through online banking (as an existing customer) or from their homepage (as a new customer would).

The application is currently unavailable.

We are currently experiencing some problems and are unable to continue with your application. Please try again later.

I've just opened one in the last half hour with no problem. 

Speculator

I have another Principality 6 Month Regular Saver Issue 3 maturing on 7/11. I assume the earliest I can submit my maturity instruction is this coming Saturday?

clivep

Speculator said:

I have another Principality 6 Month Regular Saver Issue 3 maturing on 7/11. I assume the earliest I can submit my maturity instruction is this coming Saturday?

I'd leave it until Sunday!

happybagger

allegro120 said:

Bob2000 said:

MARKET HARBOROUGH REGULAR SAVER. 

Can someone  remind me what happens  to the account  on maturity on 30th November, please.

Does it turn into an easy access account that you can then transfer out and close, or can you just close the account on maturity?
I don't want to stay with this building society once my account ends.
Thank you.

MHBS
On maturity the account will be transferred to an easy access account and you will be able to close it.

IIIRC it goes into the "Save and support" easy access account paying 1%

masonic

fuzzzzy said:

HHUK said:

roked said:

I have had the same request. If you hit reply within the message itself (after signing in with passcode), it states it is still encrypted and you can attach your documents

Hanley

I tried to reply directly from the encrypted message (after signing in with the passcode) but despite several attempts was unable to attach the files saved on my PC. Not something that is normally an issue when using my usual email service.  

I actually just replied to the encrypted e-mail today to say that I would not be going ahead with my application and to request they return my debit card payment.
( I have a banner above the outlook e-mail to say it is encrypted but can see the message as normal without actually having to sign into anything. I guess the differences are due to different e-mail services?) 
But the e-mail reply won't send. Obviously this must be something to do with encryption stopping me replying.
I will obviously give them a ring but wondered if someone more technically savvy can explain what is happening in simple terms in case I should encounter receiving encrypted e-mails again.

As you are using an Outlook email account, the difference may be that you've received the encrypted message directly into your inbox rather than a link being sent to the HEBS secure email system. But as you have not set up a S/MIME identity, you don't have the ability to send encrypted emails. Though I doubt you are alone in using Outlook as your email provider, so it is a bit odd that you seem to be alone in receiving the encrypted email directly.