The Top Regular Savers Discussion Thread

clowning

s71hj said:

Has anybody ever had problems with the YBS app? Trying to login to see if my monthly payment has gone in and the app just won't let me but I can login with none app. My wife's works fine. I've tried changing password I've tried uninstalling and reinstalling I've tried turning phone off and on again. Feels personal to my phone!!!! 

I always used the YBS app on my phone, but logged on one day from my iPad. I then was unable to log in using my phone. It didn’t allow 2 devices. I had to reinstall on my phone and it sorted itself out. So maybe it’s the same for you?

flaneurs_lobster

francoghezzi said:

Scottish Bs painfully slow. SO sent last night from Lloyds and still no signs of it. Anyone had better luck? Even Melton today was quicker, Principality still at the top of the table. Deposit sent at 2 am and duly reported 50 minutes later

Nope, no sign of my FP sent Sat.

GetRichOrDieSaving

My Gatehouse RS Issue 2 has been credited with interest ahead of maturity tomorrow (04.11.25) and I have instructed a full balance transfer to my nominated account. 

Born2Save_3

GetRichOrDieSaving said:

My Gatehouse RS Issue 2 has been credited with interest ahead of maturity tomorrow (04.11.25) and I have instructed a full balance transfer to my nominated account. 

Mines maturing on 5/11/25 and I've just taken a look, to see if there are any maturity options/instructions.  I couldn't see any thing like that, so I'm just wondering how you gave instructions ?  Was it a future dated transfer or did you send a message or something else ?

Sadly nothing to replace the issue 2.  As I recall the issue 2 wasn't available for that long and there hasn't been anything RS shaped since from Gatehouse.  I had a look at new accounts and no RS or actually anything that outstanding.

Born2Save_3

Leeds BS RS Maturity

What happens to Leeds BS RS when they mature ? Do they become an EA or similar account ? Also, how easy and quick is it to transfer the matured money back to nominated ?  Anything to be careful of with Leeds ?

Thanks in advance for your help.

Bridlington1

Born2Save_3 said:

Leeds BS RS Maturity

What happens to Leeds BS RS when they mature ? Do they become an EA or similar account ? Also, how easy and quick is it to transfer the matured money back to nominated ?  Anything to be careful of with Leeds ?

Thanks in advance for your help.

I've never had a Leeds BS RS long enough for it to mature. One thing to note though is that in my experience Leeds BS don't allow withdrawals by faster payment from their RS online but do allow withdrawals by faster payment over the phone.

Withdrawals by faster payment arrive the following working day so avoid making withdrawals by phone on Fridays or indeed any working day where the next day's a non-working day to minimise the time your money spends in transit earning no interest.

AndyTh_2

Born2Save_3 said:

Leeds BS RS Maturity

What happens to Leeds BS RS when they mature ? Do they become an EA or similar account ? Also, how easy and quick is it to transfer the matured money back to nominated ?  Anything to be careful of with Leeds ?

Thanks in advance for your help.

it says on their product page this info https://www.leedsbuildingsociety.co.uk/savings/regular-saver/regular-saver/

The maturity date will differ depending on the issue number

Maturity:

The account will mature at midnight on 1 November 2027. On the day after maturity (2 November 2027), your money including interest will be automatically transferred to an instant access maturity account, unless you provide alternative instructions. Full details including terms and conditions will be provided before maturity.

GetRichOrDieSaving

Born2Save_3 said:

GetRichOrDieSaving said:

My Gatehouse RS Issue 2 has been credited with interest ahead of maturity tomorrow (04.11.25) and I have instructed a full balance transfer to my nominated account. 

Mines maturing on 5/11/25 and I've just taken a look, to see if there are any maturity options/instructions.  I couldn't see any thing like that, so I'm just wondering how you gave instructions ?  Was it a future dated transfer or did you send a message or something else ?

Sadly nothing to replace the issue 2.  As I recall the issue 2 wasn't available for that long and there hasn't been anything RS shaped since from Gatehouse.  I had a look at new accounts and no RS or actually anything that outstanding.

I was able to arrange a transfer via the app dated for tomorrow. You should be able to do the same tomorrow for your account maturing 05/11/25 I’d imagine. 

nottsphil

s71hj said:

Kim_13 said:

jameseonline said:

ThePirates said:

Bridlington1 said:

 I typically refresh at the end of the month to push the maturity date on to the end of the month and allowing me to get the best of both worlds. I've done this with Principality BS many times for example.

Can you refresh Principality when you have multiple versions of the same issue?

Not sure how that would work to be honest, think about it, the only way to get multiple of the same issue is only through maturity options, so you close one it's gone, you won't be able to get another (in theory) until an existing account is due to mature

Plus requesting closure of something with Principality requires manual intervention, so would be more likely to result in them spotting multiple accounts and exercising their right to close them.

Indeed. I take the ming vase approach with Principality. I almost get nervous on the rare occasions I walk past a branch in case they somehow notice my multiple maturity accounts! 

It sounds like you fear they might haul you in and force you down to the branch dungeon for interrogation... 

Russ66

Bridlington1 said:

One option would be to open now but then refresh if still available in a month or two to push the maturity date on a bit.

This way you can still secure the account and don't risk missing out if it goes NLA sooner than it did last year but retain the option of pushing the maturity date on a couple of months if still available at the time.

Probably being a bit dull here but what do you mean by "Refresh"
Do you mean open one now then close it & open another down the line if still available? TIA