Being nosey... How many Regular Saver accounts do you have?

allegro120

Bobblehat said:

How does this new game work? Number one Bank/BS with the highest current accumulative holding or highest accumulative monthly deposit ..... or something else? Whichever way, I like it 

In my understanding it is highest current holding.

allegro120

Bobblehat said:

How does this new game work? Number one Bank/BS with the highest current accumulative holding or highest accumulative monthly deposit ..... or something else? Whichever way, I like it 

Almost forgot, my November figures for your table.  57 RS, £15,565 deposited. min 5.15%. 

Bobziz

'how many bank accounts do you have ?' will be an important question for many prospective executors. You can image the look on their face when told, oh about 60 or so.

Bobblehat

Bobziz said:

'how many bank accounts do you have ?' will be an important question for many prospective executors. You can image the look on their face when told, oh about 60 or so.

I imagine that there would be a detailed conversation with the prospective executor(s) before appointing them! And an appropriate remuneration for the task!

You've just reminded me of the reaction a HMRC agent had when I made a phone inquiry about the tax on a lump sum adjustment of an underpayment of a company pension. The underpayment spanned 5 tax years, 3 of which I would not have been subject to tax even after the proportions of the underpayment had been made in the respective years. I've never heard a HMRC agent use the words "Holy $h!t" before, when they discovered 3 extra pages of my accounts on whatever system they were looking at. Apparently, they were only used to seeing all the accounts of the tax payer on page 1 .....!

I think they were working from home at the time of the conversation ...... Covid era! Their pet dog enjoyed the outburst anyway!

Kim_13

Bobziz said:

'how many bank accounts do you have ?' will be an important question for many prospective executors. You can image the look on their face when told, oh about 60 or so.

When I'm asked that question I always ask whether they mean actual bank accounts (as the answer is a more modest 5 and I only really use 3 of them.) Usually they mean accounts of all types and I don't actually know the answer 🤣

masonic

My updated stats are (all sole accounts in my name):

Number of accounts: 26 (+1)

Current balance: £52,150

Monthly commitment: £8,050

Weighted average rate based on current balances: 6.23% (equivalent to annual interest of £3,250)

In terms of largest holdings:

(1) Monmouthshire, (2) Lloyds, (3) Zopa (maturing in 2 days), (4/5) Skipton / Coventry tied

Bobblehat

Here are my top 6, as of today .... taking into account the recent maturities and new openings in late November.


I must remember to update the league table with my own changes, along with those of recent posters 

FishInGlass

My situation since my last posting is as follows. Down from 23 to 21 accounts. Renewed Zopa. 
December activity. Maturing Principality - hoping for the hokey cokey as I have received the acknowledgement letter for my request. Also Skipton which I will probably renew even if we have a drop in the base rate. 
December funding to be £5050 with the total balance on the 1st of the month being approx. £43,200
Minimum rate needed for any new account is 5.75%.

Largest holdings
Monmouthshire 23%, Nat West 11%, RBS 11%, Principality 10%, Lloyds 9%, Skipton and West Brom 7% each

slinger2

I've got 14 currently of which 7 are in Principality (£4,800) and 2 in Monmouthshire (£7,500). Total £3,950 per month. Current funding £20,300. Mostly 6%+ Lower rates on Santander 5% + 2 Principality (on the basis that they could be useful at the end of the term). Nothing maturing until February.

Catplan

Dec 2025 totals 20 RS full fund them all to 5800 each month. Lowest is principality issue 36 at 4.85