The Top Regular Savers Discussion Thread

simonsmithsays

Stargunner said:

simonsmithsays said:

Stargunner said:

I have in excess of 30 regular savers and the majority of them mature in the latter part of the year. I would like to try to refresh some of them, so that they are more evenly spread throughout the year.
To save me going through all the T&C's, could anyone please advise what ones can be closed and then re-opened without penalty, 

No offence but wouldn't this thread run a little better if you took a little time to list the ones you've got so helpful forumites have a place to start and aren't wasting time?

I didn't list them all, because I said that I had over 30, and I probably have all the highest paying ones. If I had of had a handful I would have listed them.  The 2 forumites that kindly replied gave me all the info that I needed, thank you.

Am glad you're sorted.

It read to me that you didn't have time to read the T-Cs and neither didn't have time to list the 30ish RS and were expecting others to take the time and punt on which you had as I didn't see any reference to you having all the highest paying ones in your OP.

For what it's worth I have a spreadsheet with my RS on with a column for bits like this (as we all forget and a lot of these RS are just rinse and repeat T&C's each year).  I couldn't manage without said SS as I've got almost 100 RS.

It matters not though - as I say, am glad, you're sorted.

jaypers

Has anyone tried crediting their Principality accounts today? They sit in Barclays and status page there still says payment issues so wasn’t sure whether it would work as yet. 

allegro120

jaypers said:

Has anyone tried crediting their Principality accounts today? They sit in Barclays and status page there still says payment issues so wasn’t sure whether it would work as yet. 

Yes.  All 8 of my deposits have arrived within last hour or so.

masonic

jaypers said:

Has anyone tried crediting their Principality accounts today? They sit in Barclays and status page there still says payment issues so wasn’t sure whether it would work as yet. 

I was weighing up whether to make my Skipton RS payment via card today (also uses Barclays), but in the end did a bank transfer and it arrived fairly promptly. I'd forgotten Principality was Barclays too, so didn't even check until just now and that is there too.

allegro120

masonic said:

jaypers said:

Has anyone tried crediting their Principality accounts today? They sit in Barclays and status page there still says payment issues so wasn’t sure whether it would work as yet. 

I was weighing up whether to make my Skipton RS payment via card today (also uses Barclays), but in the end did a bank transfer and it arrived fairly promptly. I'd forgotten Principality was Barclays too, so didn't even check until just now and that is there too.

Card payments.
I leave all card payments until the next working day.  In my understanding if I pay in by card on Saturday it will extend a loss of interest to 2 more days.  Am I wrong?

ForumUser7

Cambridge Extra Reward RS

Aware debit card deposits into this account can be made online, but looked on the portal and can’t figure out how. Can anyone advise please? Thank you

simonsmithsays

ForumUser7 said:

Cambridge Extra Reward RS

Aware debit card deposits into this account can be made online, but looked on the portal and can’t figure out how. Can anyone advise please? Thank you

I can't see this Transfer option for this specific account either.

It is available (I've used it for the £500 trick) for the Your Saver account previously.

masonic

allegro120 said:

masonic said:

jaypers said:

Has anyone tried crediting their Principality accounts today? They sit in Barclays and status page there still says payment issues so wasn’t sure whether it would work as yet. 

I was weighing up whether to make my Skipton RS payment via card today (also uses Barclays), but in the end did a bank transfer and it arrived fairly promptly. I'd forgotten Principality was Barclays too, so didn't even check until just now and that is there too.

Card payments.
I leave all card payments until the next working day.  In my understanding if I pay in by card on Saturday it will extend a loss of interest to 2 more days.  Am I wrong?

I don't know. No interest is payable on credit balances in my current account. I like to keep things simple and pull out a lump sum from my savings account and fire off all payments in a single 10 minute session. But a debit card transaction would take a couple of days to debit the source account anyway, so 2 days loss of interest seems unlikely.

I opened my Skipton RS on 21st Jan and made an initial payment by debit card. This shows as being credited 21/01/2025. It wasn't debited from my current account until 22/01/2025, so -1 days loss of interest. I don't know if Skipton credit weekend debit card payments immediately or next working day, if the latter, I'd guess 0 days loss of interest, which is slightly worse than -1.

ForumUser7

simonsmithsays said:

ForumUser7 said:

Cambridge Extra Reward RS

Aware debit card deposits into this account can be made online, but looked on the portal and can’t figure out how. Can anyone advise please? Thank you

In the App you select the CBS account and then hit Payments.

Doesn’t seem to be an option for me - weird!

UKX69

masonic said:

allegro120 said:

masonic said:

jaypers said:

Has anyone tried crediting their Principality accounts today? They sit in Barclays and status page there still says payment issues so wasn’t sure whether it would work as yet. 

I was weighing up whether to make my Skipton RS payment via card today (also uses Barclays), but in the end did a bank transfer and it arrived fairly promptly. I'd forgotten Principality was Barclays too, so didn't even check until just now and that is there too.

Card payments.
I leave all card payments until the next working day.  In my understanding if I pay in by card on Saturday it will extend a loss of interest to 2 more days.  Am I wrong?

I don't know. No interest is payable on credit balances in my current account. I like to keep things simple and pull out a lump sum from my savings account and fire off all payments in a single 10 minute session. But a debit card transaction would take a couple of days to debit the source account anyway, so 2 days loss of interest seems unlikely.

I opened my Skipton RS on 21st Jan and made an initial payment by debit card. This shows as being credited 21/01/2025. It wasn't debited from my current account until 22/01/2025, so -1 days loss of interest. I don't know if Skipton credit weekend debit card payments immediately or next working day, if the latter, I'd guess 0 days loss of interest, which is slightly worse than -1.

Next working day.