The Top Regular Savers Discussion Thread

Joseph1215

https://forums.moneysavingexpert.com/discussion/comment/82048756#Comment_82048756

Does the Dudley Loyalty Saver issue 3 appear as an online account even though it's not yet on their website?

avocado1988

I'm a bit confused with the Bucks Regular Saver @6.4%.

I thought when signing up the information says "Interest is paid at the end of the 12 months and added to the account." Also it says "Interest is calculated daily and paid into the account on Anniversary."

But when logging onto the portal, it says the next interest due date is 31/12/2026.

Which one is it? Has anyone queried? Thanks!

Slinky

https://forums.moneysavingexpert.com/discussion/comment/82048334#Comment_82048334

That's not what I mean. I opened and funded a couple of days ago, and intended to fund again on 1st July unless, like Zopa, it prevented me from doing so.

allegro120

https://forums.moneysavingexpert.com/discussion/comment/82048984#Comment_82048984

Bucks 6,4%

It probably means that they will pay accrued interest on 31st December and the remaining interest at the end of 12 months term. Some building societies practice interim payments at a specific date, there's nothing abnormal about this. I didn't query because this won't have an impact on what I need from this account.

Bridlington1

https://forums.moneysavingexpert.com/discussion/comment/82049003#Comment_82049003

It could also be a quirk of their systems. They use the same sort of portal as Monmouthshire BS which shows interest is due to be paid on any account on the same date of the year, in the case of Monmouthshire BS they just paid interest on maturity as per the Ts&Cs so Buckinghamshire BS could well do the same.

If they do pay interest on the wrong date you've grounds to complain, which I'd do when/if it happens.

clairec666

Re Bucks interest…

https://forums.moneysavingexpert.com/discussion/comment/82049003#Comment_82049003

Same as Darlington, who pay interest on 31/12 as well as maturity. Memorably they messed things up last year, and massively overpaid interest.

https://forums.moneysavingexpert.com/discussion/comment/82049014#Comment_82049014

Monmouthshire bizarrely showed "interest payment date" of 31/3, but only credited me with interest of £0.00 on that date, so I'll get the full amount on maturity which is what was stated in the T&Cs.

I'm not a fan of making complaints about anything and everything, but I won't be thrilled if Buckinghamshire do pay interest on 31/12, as it would benefit me greatly to avoid any more interest in the current tax year.

brucefan_2

https://forums.moneysavingexpert.com/discussion/comment/82048249#Comment_82048249

Hope you don't mind me asking but where are you leaving easy access cash sitting at 5.25% please?

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/82049040#Comment_82049040

I'm betting NatWest/RBS Digital Savers - £5k max each. Technically RS accounts but don't mature once filled.

Malchester

https://forums.moneysavingexpert.com/discussion/comment/82048995#Comment_82048995

if you opened and fully funded on 24 June you can't add any further funds until 24 July as the account runs on monthly anniversary basis rather than calendar

KneadtheDough

Dudley One Year Loyalty Regular Saver (the new (but not yet launched?) issue, paying 5.75%)

I know it accidentally (?) appeared on their website for a very short while — prematurely, perhaps — but has anyone successfully applied for this and had it opened?