The Top Regular Savers Discussion Thread

Eco_Miser

mhoc said:

Just logged onto LLoyds and there is a notice that I will soon be able to see my Halifax accounts as well.

How will they manage to merge the 2 - will they do some sort of name and address sweep?
But what happens if you have a different email and/or mobile assigned to your Halifax than your LLoyds? 

I know that they seem to think it will make things somehow easier for customers but for me I like to have things seperate and change often seems like a negative thing. 
Also I am worried whether in the future having both LLoyds regular savers and Halifax regular saver will even be allowed - even though they are all completely different  

As regards the emails, I try to have different email addresses for each bank (and utility etc.) but Lloyds and Halifax change in sync to whatever I last changed. This has been in place for a long time.

allegro120

Eco_Miser said:

mhoc said:

Just logged onto LLoyds and there is a notice that I will soon be able to see my Halifax accounts as well.

How will they manage to merge the 2 - will they do some sort of name and address sweep?
But what happens if you have a different email and/or mobile assigned to your Halifax than your LLoyds? 

I know that they seem to think it will make things somehow easier for customers but for me I like to have things seperate and change often seems like a negative thing. 
Also I am worried whether in the future having both LLoyds regular savers and Halifax regular saver will even be allowed - even though they are all completely different  

As regards the emails, I try to have different email addresses for each bank (and utility etc.) but Lloyds and Halifax change in sync to whatever I last changed. This has been in place for a long time.

Wow! If I did that I would have to manage 65 e-mail addresses

flaneurs_lobster

allegro120 said:

Eco_Miser said:

mhoc said:

Just logged onto LLoyds and there is a notice that I will soon be able to see my Halifax accounts as well.

How will they manage to merge the 2 - will they do some sort of name and address sweep?
But what happens if you have a different email and/or mobile assigned to your Halifax than your LLoyds? 

I know that they seem to think it will make things somehow easier for customers but for me I like to have things seperate and change often seems like a negative thing. 
Also I am worried whether in the future having both LLoyds regular savers and Halifax regular saver will even be allowed - even though they are all completely different  

As regards the emails, I try to have different email addresses for each bank (and utility etc.) but Lloyds and Halifax change in sync to whatever I last changed. This has been in place for a long time.

Wow! If I did that I would have to manage 65 e-mail addresses

Can do it with "+" codes, so your email address with Lloyds could be allegro120+lloyds@gmail.com (or indeed anything else). Useful for categorising your mails or finding out where the spam's coming from.

Eco_Miser

allegro120 said:

Eco_Miser said:

mhoc said:

Just logged onto LLoyds and there is a notice that I will soon be able to see my Halifax accounts as well.

How will they manage to merge the 2 - will they do some sort of name and address sweep?
But what happens if you have a different email and/or mobile assigned to your Halifax than your LLoyds? 

I know that they seem to think it will make things somehow easier for customers but for me I like to have things seperate and change often seems like a negative thing. 
Also I am worried whether in the future having both LLoyds regular savers and Halifax regular saver will even be allowed - even though they are all completely different  

As regards the emails, I try to have different email addresses for each bank (and utility etc.) but Lloyds and Halifax change in sync to whatever I last changed. This has been in place for a long time.

Wow! If I did that I would have to manage 65 e-mail addresses

They all redirect to the one mailbox, and the whole thing comes as part of a web hosting package.

Middle_of_the_Road

flaneurs_lobster said:

allegro120 said:

Eco_Miser said:

mhoc said:

Just logged onto LLoyds and there is a notice that I will soon be able to see my Halifax accounts as well.

How will they manage to merge the 2 - will they do some sort of name and address sweep?
But what happens if you have a different email and/or mobile assigned to your Halifax than your LLoyds? 

I know that they seem to think it will make things somehow easier for customers but for me I like to have things seperate and change often seems like a negative thing. 
Also I am worried whether in the future having both LLoyds regular savers and Halifax regular saver will even be allowed - even though they are all completely different  

As regards the emails, I try to have different email addresses for each bank (and utility etc.) but Lloyds and Halifax change in sync to whatever I last changed. This has been in place for a long time.

Wow! If I did that I would have to manage 65 e-mail addresses

Can do it with "+" codes, so your email address with Lloyds could be allegro120+lloyds@gmail.com (or indeed anything else). Useful for categorising your mails or finding out where the spam's coming from.

Too technical for me... I just use a different middle name for each account....  and my front door has 23 letter boxes.😄

s71hj

Eco_Miser said:

allegro120 said:

Eco_Miser said:

mhoc said:

Just logged onto LLoyds and there is a notice that I will soon be able to see my Halifax accounts as well.

How will they manage to merge the 2 - will they do some sort of name and address sweep?
But what happens if you have a different email and/or mobile assigned to your Halifax than your LLoyds? 

I know that they seem to think it will make things somehow easier for customers but for me I like to have things seperate and change often seems like a negative thing. 
Also I am worried whether in the future having both LLoyds regular savers and Halifax regular saver will even be allowed - even though they are all completely different  

As regards the emails, I try to have different email addresses for each bank (and utility etc.) but Lloyds and Halifax change in sync to whatever I last changed. This has been in place for a long time.

Wow! If I did that I would have to manage 65 e-mail addresses

They all redirect to the one mailbox, and the whole thing comes as part of a web hosting package.

I sort of understood as far as"a"... 

Confused_Dog

I think we have to be fair to Saffron.  Offering a special Regular Saver or other account is something that has been used by Building Societies for donkeys years to draw in custom to new and refurbished branches.  Leeds Building Society did this with a special account when it relocated its Birmingham City Centre branch to Corporation Street and opened a new branch in Solihull, but in both cases you had to have a "B" postcode.

Born2Save_3

Totally off RS topic but very helpful for having a relationship with many organisations:

Unique email addresses are very useful. When your email address, and likely other data, is stolen/leaked/lost/breached/exfiltrated/whatever in some way, you know who is responsible and it's easier to spot a malicious email/message/whatever. Gmail plus-addressing can be problematic and not accepted as + is considered an invalid character by some websites.

You can register your own domain name, like RegularIsBest.com, and have unlimited email address possibilities, that are accepted 99.9% of the time, all redirected to your usual mailbox, say MyEmail@gmail.com. 

There are many guides in the web on how to do this and you will need to pay registration fees; this can be as little as £1 a year, but should be no more than £10 a year.  If you're not technically inclined then it will be a learning opportunity with a good benefit.

Born2Save_3

Eco_Miser said:

mhoc said:

Just logged onto LLoyds and there is a notice that I will soon be able to see my Halifax accounts as well.

How will they manage to merge the 2 - will they do some sort of name and address sweep?
But what happens if you have a different email and/or mobile assigned to your Halifax than your LLoyds? 

I know that they seem to think it will make things somehow easier for customers but for me I like to have things seperate and change often seems like a negative thing. 
Also I am worried whether in the future having both LLoyds regular savers and Halifax regular saver will even be allowed - even though they are all completely different  

As regards the emails, I try to have different email addresses for each bank (and utility etc.) but Lloyds and Halifax change in sync to whatever I last changed. This has been in place for a long time.

It's a concern I have. As organisations consolidate there will be less brands and consequently less RS accounts.  How long will the Halifax and Bank of Scotland brands last for ?  Equally, Nationwide and Virgin Money and Coventry BS and Coop Bank.

I'd prefer to have a specific email address for each of Lloyds, Halifax and BoS. I'll have to settle for LloydsBankingGroup@ now.

I think best to keep each of your logins active and just do BoS stuff in your BoS login and likewise for Halifax and Lloyds.

For mobile numbers, I think they collect all numbers associated with you and give you the option of choosing which one you want to use for a particular transaction.

clairec666

Born2Save_3 said:

Eco_Miser said:

mhoc said:

Just logged onto LLoyds and there is a notice that I will soon be able to see my Halifax accounts as well.

How will they manage to merge the 2 - will they do some sort of name and address sweep?
But what happens if you have a different email and/or mobile assigned to your Halifax than your LLoyds? 

I know that they seem to think it will make things somehow easier for customers but for me I like to have things seperate and change often seems like a negative thing. 
Also I am worried whether in the future having both LLoyds regular savers and Halifax regular saver will even be allowed - even though they are all completely different  

As regards the emails, I try to have different email addresses for each bank (and utility etc.) but Lloyds and Halifax change in sync to whatever I last changed. This has been in place for a long time.

It's a concern I have. As organisations consolidate there will be less brands and consequently less RS accounts.  How long will the Halifax and Bank of Scotland brands last for ?  Equally, Nationwide and Virgin Money and Coventry BS and Coop Bank.

The most important thing is that there's enough competition and choice in the banking market for the general public. People with RS accounts in double figures aren't really the main concern. But yes, it's annoying that Nationwide and Virgin are two of my higher-earning accounts and it's possible that the Virgin one may disappear.

Digging through the FAQs on Virgin's website, there's a lot of information about existing accounts (you'll keep the same account number and sort code, and still use the Virgin Money website or app), but no information about whether they'll continue offering Virgin-branded accounts. I'm assuming not, and they'll gradually wind down the Virgin brand and transfer over existing customers over a longer timescale.