The Top Regular Savers Discussion Thread

allegro120

Ed-1 said:

allegro120 said:

masonic said:

allegro120 said:

Kim_13 said:

allegro120 said:

MarkFromCornwall said:

ShinyStarlight1 said:

Halifax RS

My account is maturing, and the money will be transferred to an everyday saver.

However, if I want to actually close the regular saver, I have to ‘go into a branch with a counter’ to do so. (The nearest one of those is 12 miles away)

In the Halifax app, after maturity, click on the everyday saver account.  Click on the ... at the top right of the screen, scroll down to the 'Manage account' section and click on 'Close account'.  Fill in a couple of details and the account will be closed.

Sometimes it doesn't work. I was trying to close (initially to downgrade) two of my Reward accounts, tried it online many times, called Halifax, they couldn't do it either and booked me for a video call... at the end of a 40 minutes long video call it was concluded that the only way to close these accounts is to visit a branch.  I've attempted to switch them instead, one to HSBC and the other to BoS.  Didn't hear from BoS yet, but HSBC has already contacted me to say that Halifax rejected the switch.  So it looks like I have only two options - leave the accounts running (paying £3k in and out) of visit the branch.  

I successfully downgraded Reward to Current in app, so perhaps do that and save them as future switchers. 

I successfully downgraded one of my Reward to Current.  It's the other two that are stuck.  The initial intention was to downgrade all three and keep them for future opportunities.  I think it's a glitch that can't be resolved without visiting branch.  It's fine for me, I'm 25 minutes walk from the branch, but can be costly for those who are miles away from their nearest branch.

Do you, like me, have more than one profile? You'll only be able to perform the downgrade from the same one you used to originally apply for the account.

No, just one profile.  I used to have two, but merged them in branch about 7 years ago.

You'll still have 2 profiles. When LBG merge profiles they just allow accounts from each to be accessed on multiple profiles.

You can check what profile the account you want to downgrade is linked to by putting the account details into the forgot sign-in details and searching for the user ID:

https://www.halifax-online.co.uk/ib-access/cwa/forgotten-details/index.html

We went through this during the video call and according to CS agent I have only one profile.

I've tried "forgot sign-in details", typed the account details, DoB and got this - "We need to talk to you before you can reset your details. Please call us on 0345 602 0000 (+44 113 279 8302 from outside the UK) so we can help you sign in again."

masonic

allegro120 said:

Ed-1 said:

allegro120 said:

masonic said:

allegro120 said:

Kim_13 said:

allegro120 said:

MarkFromCornwall said:

ShinyStarlight1 said:

Halifax RS

My account is maturing, and the money will be transferred to an everyday saver.

However, if I want to actually close the regular saver, I have to ‘go into a branch with a counter’ to do so. (The nearest one of those is 12 miles away)

In the Halifax app, after maturity, click on the everyday saver account.  Click on the ... at the top right of the screen, scroll down to the 'Manage account' section and click on 'Close account'.  Fill in a couple of details and the account will be closed.

Sometimes it doesn't work. I was trying to close (initially to downgrade) two of my Reward accounts, tried it online many times, called Halifax, they couldn't do it either and booked me for a video call... at the end of a 40 minutes long video call it was concluded that the only way to close these accounts is to visit a branch.  I've attempted to switch them instead, one to HSBC and the other to BoS.  Didn't hear from BoS yet, but HSBC has already contacted me to say that Halifax rejected the switch.  So it looks like I have only two options - leave the accounts running (paying £3k in and out) of visit the branch.  

I successfully downgraded Reward to Current in app, so perhaps do that and save them as future switchers. 

I successfully downgraded one of my Reward to Current.  It's the other two that are stuck.  The initial intention was to downgrade all three and keep them for future opportunities.  I think it's a glitch that can't be resolved without visiting branch.  It's fine for me, I'm 25 minutes walk from the branch, but can be costly for those who are miles away from their nearest branch.

Do you, like me, have more than one profile? You'll only be able to perform the downgrade from the same one you used to originally apply for the account.

No, just one profile.  I used to have two, but merged them in branch about 7 years ago.

You'll still have 2 profiles. When LBG merge profiles they just allow accounts from each to be accessed on multiple profiles.

You can check what profile the account you want to downgrade is linked to by putting the account details into the forgot sign-in details and searching for the user ID:

https://www.halifax-online.co.uk/ib-access/cwa/forgotten-details/index.html

We went through this during the video call and according to CS agent I have only one profile.
I've tried "forgot sign-in details", typed the account details, DoB and got this - "We need to talk to you before you can reset your details. Please call us on 0345 602 0000 (+44 113 279 8302 from outside the UK) so we can help you sign in again."

If the other profile really has been removed, and was used to open those accounts, then that would explain what you are seeing.

My two profiles are "merged" in that I can see all of my accounts from each of them, but I still have both of them.

Bridlington1

I just thought I'd mention that Coventry BS have historically had a habit of offering loyalty regular savers with eligibility cut offs of 1st January of whichever year. Given that we're half way through December, the next fortnight or so could be a good time to get a foot in the door with them if you haven't done so already.

allegro120

masonic said:

allegro120 said:

Ed-1 said:

allegro120 said:

masonic said:

allegro120 said:

Kim_13 said:

allegro120 said:

MarkFromCornwall said:

ShinyStarlight1 said:

Halifax RS

My account is maturing, and the money will be transferred to an everyday saver.

However, if I want to actually close the regular saver, I have to ‘go into a branch with a counter’ to do so. (The nearest one of those is 12 miles away)

In the Halifax app, after maturity, click on the everyday saver account.  Click on the ... at the top right of the screen, scroll down to the 'Manage account' section and click on 'Close account'.  Fill in a couple of details and the account will be closed.

Sometimes it doesn't work. I was trying to close (initially to downgrade) two of my Reward accounts, tried it online many times, called Halifax, they couldn't do it either and booked me for a video call... at the end of a 40 minutes long video call it was concluded that the only way to close these accounts is to visit a branch.  I've attempted to switch them instead, one to HSBC and the other to BoS.  Didn't hear from BoS yet, but HSBC has already contacted me to say that Halifax rejected the switch.  So it looks like I have only two options - leave the accounts running (paying £3k in and out) of visit the branch.  

I successfully downgraded Reward to Current in app, so perhaps do that and save them as future switchers. 

I successfully downgraded one of my Reward to Current.  It's the other two that are stuck.  The initial intention was to downgrade all three and keep them for future opportunities.  I think it's a glitch that can't be resolved without visiting branch.  It's fine for me, I'm 25 minutes walk from the branch, but can be costly for those who are miles away from their nearest branch.

Do you, like me, have more than one profile? You'll only be able to perform the downgrade from the same one you used to originally apply for the account.

No, just one profile.  I used to have two, but merged them in branch about 7 years ago.

You'll still have 2 profiles. When LBG merge profiles they just allow accounts from each to be accessed on multiple profiles.

You can check what profile the account you want to downgrade is linked to by putting the account details into the forgot sign-in details and searching for the user ID:

https://www.halifax-online.co.uk/ib-access/cwa/forgotten-details/index.html

We went through this during the video call and according to CS agent I have only one profile.
I've tried "forgot sign-in details", typed the account details, DoB and got this - "We need to talk to you before you can reset your details. Please call us on 0345 602 0000 (+44 113 279 8302 from outside the UK) so we can help you sign in again."

If the other profile really has been removed, and was used to open those accounts, then that would explain what you are seeing.

My two profiles are "merged" in that I can see all of my accounts from each of them, but I still have both of them.

It would be strange if the old profile was used to open these accounts because I opened them online using my functional profile. On the positive side I’ve just noticed that the account I switched to BoS has disappeared from view, which suggests the switch that is due to complete on 19th is happening. If this works, I can simply switch the remaining Halifax Reward account to BoS and won’t need to visit the branch. 

masonic

allegro120 said:

masonic said:

allegro120 said:

Ed-1 said:

allegro120 said:

masonic said:

allegro120 said:

Kim_13 said:

allegro120 said:

MarkFromCornwall said:

ShinyStarlight1 said:

Halifax RS

My account is maturing, and the money will be transferred to an everyday saver.

However, if I want to actually close the regular saver, I have to ‘go into a branch with a counter’ to do so. (The nearest one of those is 12 miles away)

In the Halifax app, after maturity, click on the everyday saver account.  Click on the ... at the top right of the screen, scroll down to the 'Manage account' section and click on 'Close account'.  Fill in a couple of details and the account will be closed.

Sometimes it doesn't work. I was trying to close (initially to downgrade) two of my Reward accounts, tried it online many times, called Halifax, they couldn't do it either and booked me for a video call... at the end of a 40 minutes long video call it was concluded that the only way to close these accounts is to visit a branch.  I've attempted to switch them instead, one to HSBC and the other to BoS.  Didn't hear from BoS yet, but HSBC has already contacted me to say that Halifax rejected the switch.  So it looks like I have only two options - leave the accounts running (paying £3k in and out) of visit the branch.  

I successfully downgraded Reward to Current in app, so perhaps do that and save them as future switchers. 

I successfully downgraded one of my Reward to Current.  It's the other two that are stuck.  The initial intention was to downgrade all three and keep them for future opportunities.  I think it's a glitch that can't be resolved without visiting branch.  It's fine for me, I'm 25 minutes walk from the branch, but can be costly for those who are miles away from their nearest branch.

Do you, like me, have more than one profile? You'll only be able to perform the downgrade from the same one you used to originally apply for the account.

No, just one profile.  I used to have two, but merged them in branch about 7 years ago.

You'll still have 2 profiles. When LBG merge profiles they just allow accounts from each to be accessed on multiple profiles.

You can check what profile the account you want to downgrade is linked to by putting the account details into the forgot sign-in details and searching for the user ID:

https://www.halifax-online.co.uk/ib-access/cwa/forgotten-details/index.html

We went through this during the video call and according to CS agent I have only one profile.
I've tried "forgot sign-in details", typed the account details, DoB and got this - "We need to talk to you before you can reset your details. Please call us on 0345 602 0000 (+44 113 279 8302 from outside the UK) so we can help you sign in again."

If the other profile really has been removed, and was used to open those accounts, then that would explain what you are seeing.

My two profiles are "merged" in that I can see all of my accounts from each of them, but I still have both of them.

It would be strange if the old profile was used to open these accounts because I opened them online using my functional profile. On the positive side I’ve just noticed that the account I switched to BoS has disappeared from view, which suggests the switch that is due to complete on 19th is happening. If this works, I can simply switch the remaining Halifax Reward account to BoS and won’t need to visit the branch. 

Seems unlikely then, barring some error on their side. It seems very unlikely a CASS switch would fail, even if you can't access some of the functions for the accounts online.

allegro120

masonic said:

allegro120 said:

masonic said:

allegro120 said:

Ed-1 said:

allegro120 said:

masonic said:

allegro120 said:

Kim_13 said:

allegro120 said:

MarkFromCornwall said:

ShinyStarlight1 said:

Halifax RS

My account is maturing, and the money will be transferred to an everyday saver.

However, if I want to actually close the regular saver, I have to ‘go into a branch with a counter’ to do so. (The nearest one of those is 12 miles away)

In the Halifax app, after maturity, click on the everyday saver account.  Click on the ... at the top right of the screen, scroll down to the 'Manage account' section and click on 'Close account'.  Fill in a couple of details and the account will be closed.

Sometimes it doesn't work. I was trying to close (initially to downgrade) two of my Reward accounts, tried it online many times, called Halifax, they couldn't do it either and booked me for a video call... at the end of a 40 minutes long video call it was concluded that the only way to close these accounts is to visit a branch.  I've attempted to switch them instead, one to HSBC and the other to BoS.  Didn't hear from BoS yet, but HSBC has already contacted me to say that Halifax rejected the switch.  So it looks like I have only two options - leave the accounts running (paying £3k in and out) of visit the branch.  

I successfully downgraded Reward to Current in app, so perhaps do that and save them as future switchers. 

I successfully downgraded one of my Reward to Current.  It's the other two that are stuck.  The initial intention was to downgrade all three and keep them for future opportunities.  I think it's a glitch that can't be resolved without visiting branch.  It's fine for me, I'm 25 minutes walk from the branch, but can be costly for those who are miles away from their nearest branch.

Do you, like me, have more than one profile? You'll only be able to perform the downgrade from the same one you used to originally apply for the account.

No, just one profile.  I used to have two, but merged them in branch about 7 years ago.

You'll still have 2 profiles. When LBG merge profiles they just allow accounts from each to be accessed on multiple profiles.

You can check what profile the account you want to downgrade is linked to by putting the account details into the forgot sign-in details and searching for the user ID:

https://www.halifax-online.co.uk/ib-access/cwa/forgotten-details/index.html

We went through this during the video call and according to CS agent I have only one profile.
I've tried "forgot sign-in details", typed the account details, DoB and got this - "We need to talk to you before you can reset your details. Please call us on 0345 602 0000 (+44 113 279 8302 from outside the UK) so we can help you sign in again."

If the other profile really has been removed, and was used to open those accounts, then that would explain what you are seeing.

My two profiles are "merged" in that I can see all of my accounts from each of them, but I still have both of them.

It would be strange if the old profile was used to open these accounts because I opened them online using my functional profile. On the positive side I’ve just noticed that the account I switched to BoS has disappeared from view, which suggests the switch that is due to complete on 19th is happening. If this works, I can simply switch the remaining Halifax Reward account to BoS and won’t need to visit the branch. 

Seems unlikely then, barring some error on their side. It seems very unlikely a CASS switch would fail, even if you can't access some of the functions for the accounts online.

The reason I thought switch to BoS will fail was the failure of my switch to HSBC. I've initiated both on the same day, literally one after another. HSBC sent me a message saying Halifax has rejected the switch.  It's all a bit weird.  I had no problem with downgrading one of my three Reward accounts.  May be because the successful one is older and has different sort code (11-05-75, the other two are 11-05-76)???, but that doesn't make any logical sense.

happybagger

@Bridlington1

Loughborough BS

Rate changes effective 5 Jan 2026

open accounts 
Limited Access Monthly Saver from 4.45 to 4.25
2 Year Super Saver remains at 5.00

closed accounts
1 Year Super Saver from 6.00 to 5.80
Retirement Monthly Saver remains at 5.50
Holiday Monthly Saver from 5.60 to 5.40

source

Kim_13

happybagger said:

@Bridlington1

Loughborough BSt

Rate changes effective 5 Jan 2026

open accounts 
Limited Access Monthly Saver from 4.45 to 4.25
2 Year Super Saver remains at 5.00

closed accounts
1 Year Super Saver from 6.00 to 5.80
Retirement Monthly Saver remains at 5.50
Holiday Monthly Saver from 5.60 to 5.40

source

Fully funded HMS about an hour ago. Sigh. At least it matures in May. 

Hattie627

Re: Principality (please scroll past if you're not interested in the PBS RS saga)

I've been away for a week and just catching up on this thread and on RS administration.

I have two Principality RS's both maturing on 22nd December. One is a Christmas 2025 RS and the other is a Two Year Healthy Habits RS.

I entered online maturity instructions for both on 8th December, just before heading off. For one of them I asked for a rollover to a (second) Christmas 2026 RS and for the other one a rollover to (another) 6 month RS Issue 4.

I've returned home to a secure message (just one) from Principality rejecting my instructions on the basis that I am already a holder of the rollover account requested. The secure message doesn't quote the relevant account number or identify the account by type (just talks about "regular saver bond"). It does refer to the maturity date of 22nd December but that doesn't help to identify the account to which the message relates as they both mature on 22nd December. 

Not sure where I stand and would prefer not to phone for clarification (for obvious reasons).

Just wondered if anyone else is in this situation and has been able to work out which account the single message relates to.

allegro120

Hattie627 said:

Re: Principality (please scroll past if you're not interested in the PBS RS saga)

I've been away for a week and just catching up on this thread and on RS administration.

I have two Principality RS's both maturing on 22nd December. One is a Christmas 2025 RS and the other is a Two Year Healthy Habits RS.

I entered online maturity instructions for both on 8th December, just before heading off. For one of them I asked for a rollover to a (second) Christmas 2026 RS and for the other one a rollover to (another) 6 month RS Issue 4.

I've returned home to a secure message (just one) from Principality rejecting my instructions on the basis that I am already a holder of the rollover account requested. The secure message doesn't quote the relevant account number or identify the account by type (just talks about "regular saver bond"). It does refer to the maturity date of 22nd December but that doesn't help to identify the account to which the message relates as they both mature on 22nd December. 

Not sure where I stand and would prefer not to phone for clarification (for obvious reasons).

Just wondered if anyone else is in this situation and has been able to work out which account the single message relates to.

I am in exactly the same situation.  Following the single message I received 2 letters confirming that the money will be transferred to my bank account.  2 letters were specific to each account so I'm not expecting Christmas 2025 and Healthy to roll over.  I think it's the end of the feast.