The Top Regular Savers Discussion Thread

saverkev

Cumberland Regular Savers Issues 1,2 & 3 (All closed issues)

Notification letter from The Cumberland about product changes from 28th November - a 3 year maximum term will apply and a £15,000 maximum savings balance (not including interest). At the end of the 3 year term which will end 28th November 2028, or if the maximum balance is achieved the balance plus interest will transfer to a Reward Instant Access Maturity Account. A partial interest payment of 1.85% (Regular Savers 1 & 2) or 0.65% (Regular Saver 3) will be made 28th Nov 2025. Maximum amount can pay in each month increased to £420

Interest Rate remains 4.5% for those issues and the current Regular Saver

Bridlington1 Just to let you know the current offering is now listed as simply Cumberland Regular Saver (Not Issue 3)

allegro120

janusd said:

happybagger said:

Kim_13 said:

Just received an email from Hinckley and Rugby saying they will be launching a Christmas Saver 30 Day Notice account on 1st November, paying 5% variable on up to £100 per month. 

Account converts to an Easy Access on maturity on 1 November 2026. Can be opened with £1 and deposits not required each month. 

I'll pass.

Just one point, they say "or even miss a month if you need to" so it may be that you can only miss the one.

Either way, I'll be bagging this as I'm currently using their other RS 30 day as a membership-maintaining account, so a swap over is in order.

HRBS have had members bonds before so I want to keep in there.

are these accounts from them all postal/branch application? 

I had 30-days RS with H&R - to close the account I had to post them a letter with request and they sent me a cheque.  I wouldn't want one of them again.

Kim_13

happybagger said:

janusd said:

are these accounts from them all postal/branch application? 

Re: HRBS
I opened mine by post; I have logged in online and I can view accounts and withdraw, but not open any others.
So I assume it remains branch or postal applications only

My previous RS was post, but they have upgraded their online system since then (after which it was possible to get the proceeds out online) so it may be that they are now accepting online applications. This may be an answer we don’t have until Saturday.

In their blurb they stated that the average cost of Christmas is now £1,811 - which may explain Principality going to £150 when all previous seasonal editions have been £125. In some ways, it’s poor that they don’t even allow that average to be achieved.

trickydicky14

Bobblehat said:

Born2Save_3 said:

Gers said:

Re- Hanley 

I'm a patient person, really!  Opened the regular saver on 20 Oct. Sent a payment through on 21 Oct using the reference number.  On 23 Oct an email gave me a temporary security number.  Today I received a letter with my account number - but still no user name!  

I'll phone on Monday by which time I hope to be less annoyed.

It's mentioned on the Hanley specific thread from a couple of years ago that it is possible to call, pass security and be given your user id over the phone.  I sort of recall doing this in 2023 when I opened my first branch account with them.

https://forums.moneysavingexpert.com/discussion/6492987/help-hanley-economic-bs/p1

Maybe this would work for Scottish BS also.  I've found their Aberdeen branch to be very helpful.

I had to ring Hanley yesterday because I couldn't open their encrypted Welcome Pack email for my first ever account with them. I passed security but they would not give me my UserID over the phone. They said they will send the Welcome Pack via snail mail with the UserID ... although I'm sure I've seen somewhere that the UserID might arrive separately in a different letter. Guess I'll have to wait and see.

Same as you, I could not open the email so rang them today to be told I would get the pack in the post. I was also told the user ID would arrive in a second letter not the welcome pack.

Bobblehat

trickydicky14 said:

Bobblehat said:

Born2Save_3 said:

Gers said:

Re- Hanley 

I'm a patient person, really!  Opened the regular saver on 20 Oct. Sent a payment through on 21 Oct using the reference number.  On 23 Oct an email gave me a temporary security number.  Today I received a letter with my account number - but still no user name!  

I'll phone on Monday by which time I hope to be less annoyed.

It's mentioned on the Hanley specific thread from a couple of years ago that it is possible to call, pass security and be given your user id over the phone.  I sort of recall doing this in 2023 when I opened my first branch account with them.

https://forums.moneysavingexpert.com/discussion/6492987/help-hanley-economic-bs/p1

Maybe this would work for Scottish BS also.  I've found their Aberdeen branch to be very helpful.

I had to ring Hanley yesterday because I couldn't open their encrypted Welcome Pack email for my first ever account with them. I passed security but they would not give me my UserID over the phone. They said they will send the Welcome Pack via snail mail with the UserID ... although I'm sure I've seen somewhere that the UserID might arrive separately in a different letter. Guess I'll have to wait and see.

Same as you, I could not open the email so rang them today to be told I would get the pack in the post. I was also told the user ID would arrive in a second letter not the welcome pack.

Thanks for the heads up about the UserID. I'm not in a rush because I know my first payment arrived as I was told so on the phone. I can now make a 2nd payment knowing it has every chance of arriving too.

friolento

mhoc said:

Question regarding Newcastle regular saver please.

My reg saver matured yesterday so I logged on today and the interest was added today 25th.
I opened a new regular saver which showed on the list of accounts straight away.
Then I did an transfer from the matured reg saver to fund the new reg saver and the Monument.
Even though it was an internal transfer these top up amounts are not showing.

Then I closed the old reg saver which is still showing the full total even though I've moved money out of it.

Logged off and logged on to see if the transfers showed and they didnt 

Assume it will be Monday before the account updates again???
 Its just odd that the new account is on the list straight away but not the transfers. 

I also opened a new Newcastle RS earlier this afternoon , as my previous one had matured. I made my first deposit by FP and had an email just after 4pm to confirm my “investment”. £200 indeed showing with today’s date in the new RS. Very impressive.

The withdrawal of the matured funds has yet to arrive in my current account, and I don’t expect this before Monday 

Slinky

Gers said:

Re- Hanley 

I'm a patient person, really!  Opened the regular saver on 20 Oct. Sent a payment through on 21 Oct using the reference number.  On 23 Oct an email gave me a temporary security number.  Today I received a letter with my account number - but still no user name!  

I'll phone on Monday by which time I hope to be less annoyed.

Consider yourself lucky! There are some of us who have been previous customers who are struggling to get past the 'Application has been Registered' stage. Computer says No.

ForumUser7

Is the Hanley EBS TAR10 1 Year Online Smart Saver per calendar month or per account month please? Thank you 

allegro120

friolento said:

mhoc said:

Question regarding Newcastle regular saver please.

My reg saver matured yesterday so I logged on today and the interest was added today 25th.
I opened a new regular saver which showed on the list of accounts straight away.
Then I did an transfer from the matured reg saver to fund the new reg saver and the Monument.
Even though it was an internal transfer these top up amounts are not showing.

Then I closed the old reg saver which is still showing the full total even though I've moved money out of it.

Logged off and logged on to see if the transfers showed and they didnt 

Assume it will be Monday before the account updates again???
 Its just odd that the new account is on the list straight away but not the transfers. 

I also opened a new Newcastle RS earlier this afternoon , as my previous one had matured. I made my first deposit by FP and had an email just after 4pm to confirm my “investment”. £200 indeed showing with today’s date in the new RS. Very impressive.

The withdrawal of the matured funds has yet to arrive in my current account, and I don’t expect this before Monday 

Unfortunately Newcastle doesn't process withdrawals at weekends.  To avoid a small loss of interest I closed mine of Friday, was able to open and fund a new one straight away.  The money arrived to my current account and deposited to Cahoot on the same day. 

Kim_13

ForumUser7 said:

Is the Hanley EBS TAR10 1 Year Online Smart Saver per calendar month or per account month please? Thank you 

The welcome pack contains a summary box which says that a deposit of between £25 and £300 should be received each calendar month, so I take from that that it is calendar.