The Top Regular Savers Discussion Thread

flaneurs_lobster

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  

There's already a thread on this specific subject here

https://forums.moneysavingexpert.com/discussion/6636486/lloyds-and-halifax-co-servicing

Section62

mhoc said:

...
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 they allow both BOS and Halifax RS accounts to be held by the same person I don't think there's any reason to believe this change will directly affect the availability of RS accounts in the future.

The impact of this change that most likely affects me is having the combined list of accounts with Lloyds, BOS and Halifax being unmanageably long for online banking.  So it has prompted me to go through having a cull of easy access accounts from past matured RS accounts.  Since each account to be closed has a nominal £1 plus a bit of interest in it, I'm seeing this as a generally positive outcome.

The change also means it will be easier to do the monthly money cycle between Lloyds,BOS and Halifax for fee avoidance purposes.  One less login needed to do the job.

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.