The Top Regular Savers Discussion Thread

granta

Halifax Regular Saver

In light of today's news about the abolition of the brand, the website now says that the regular saver is still available to open via the Halifax app. I was able to log into my Halifax account via the browser and open a new account.

Who knows how long it will remain available to open but I likely won't be doing a refresh this time in case it goes NLA.

KneadtheDough

https://forums.moneysavingexpert.com/discussion/comment/82054966#Comment_82054966

Halifax Regular Saver

When you say you were "able to log into my Halifax account via the browser and open a new account" — is that in addition to another regular saver you hold with Halifax or not. Probably the latter, but just checking…

granta

https://forums.moneysavingexpert.com/discussion/comment/82054989#Comment_82054989

I only hold the one I opened today

courier9585

https://forums.moneysavingexpert.com/discussion/comment/82054910#Comment_82054910

Darlington

I can see mention of the £3000 limit in the summary box of the first issue of the 12 month regular saver, but mention of the limit is missing in the summary box for issue 2.

masonic

https://forums.moneysavingexpert.com/discussion/comment/82054996#Comment_82054996

Agree, I was planning to make a 13th payment on the basis of this:

Bobblehat

https://forums.moneysavingexpert.com/discussion/comment/82054870#Comment_82054870

One saving grace? You can use a 6 month RS to fill in a monthly gap or minima in an RS ladder if opened at an appropriate point.

BestSeagull

https://forums.moneysavingexpert.com/discussion/comment/82054688#Comment_82054688

FWIW. My notes for Darlington say "does not give max bal so try 13th payment". And for Virgin say "13 ok"

intalex

https://forums.moneysavingexpert.com/discussion/comment/82050051#Comment_82050051

Anyone had this enforced by Santander's systems?

I was sure I saw a post in this thread that you can pay in on 1st of each subsequent month regardless of opening + 1st pay-in date in the 1st month… so I opened and paid 1st in on 30/06 and 2nd in on 01/07… is this certain to be "cancelled"?

AmityNeon

https://forums.moneysavingexpert.com/discussion/comment/82055073#Comment_82055073

You can, but you're taking a risk by having done so. The T&Cs state:

A ‘month’ is calculated by the date that you open your account. For example if you open the account on the 16th of a month, your month will run from 16th of one month to the 15th of the next month.

We can switch your account to an Everyday Saver if you break the terms of this account. For example, if you try to pay money in from an account that isn’t your Santander current account, or if you deposit more than £200 in any month.

Note there is no "try" in relation to being able to deposit more than £200.

topyam

AIB

One of the requirements for this account is to have "a regular savings instruction to debit between £10 to £500 per month from a AIB (NI) Select Account or Current Account"

Hadn't enough funds in my AIB account to make the deposit to this RS. I transfer £10 by SO and £490 manually each month.
What happens in this case? Can I top up the RS myself manually with another £10?

Anybody else had this happen?