The Top Regular Savers Discussion Thread

GetRichOrDieSaving

Could someone please remind me how I log into BoS website/app as a Lloyds customer?

Kim_13

https://forums.moneysavingexpert.com/discussion/comment/82068129#Comment_82068129

Annoying but expected, per earlier discussions on this thread when people were trying to get another 12 months before they thought the Halifax brand would cease offering accounts on July 1.

I would never have speculatively opened a Lloyds or BoS (not that I have the current accounts anyway) as I knew those absolutely were you cannot do anything to open another within 12 months, nor would I have opened Halifax in March had I thought the 'insurance' of renewing would go, but it is what it is. I will try not to fund the Halifax RS on principle, but there's no point closing it when there's nothing to be gained by doing it.

avocado1988

Lloyd’s/Halifax/BoS RS

Hi - I currently do not have any of these regular savers because I keep waiting to do bank switches with them to get their bank switch bonus in the first place (I’ve never banked with any of them). Would I be able to get bank switch bonuses from them afterwards if I try and open their regular savers without getting a current account with them?

where_are_we

LBG 8% Rs`s - Santander did the decent thing and allowed old Santander RS`s to be upgraded to 8%. I think LBG will come in for criticism for not allowing loyal RS`s to upgrade to the new RS`s @8%.

Joseph1215

As I remember, you have to give your current a/c number early on in the RS application if you haven't had an RS before.

crumpet_man

https://forums.moneysavingexpert.com/discussion/comment/82068135#Comment_82068135

I don't think you can. I just tried using my Lloyds username/password and it didn't work.

I did have the BOS accounts way back when they were reward accounts but switched them all out years ago. However, I remember my login details for BOS and have just logged in and can see all my Lloyds and Halifax accounts and no BOS accounts (as I do not have any)

snookerloopy96

https://forums.moneysavingexpert.com/discussion/comment/82068163#Comment_82068163

Personally I would forget the switch bonus for now and open the current accounts, thats the choice I've made.

Date wise I'm going to be ineligible for any Lloyds Group switch bonuses for a good 12-18 months, I was going to hold out as long as was feasible.

This news has made me re-appraise that idea.

Edit : I'm not sure you can have a RS without a current account.

jifmoose

https://forums.moneysavingexpert.com/discussion/comment/82067902#Comment_82067902

I can only suppose they're doing it for my special benefit, as my Club Lloyds RS matures … today :-D

clairec666

https://forums.moneysavingexpert.com/discussion/comment/82068172#Comment_82068172

Lloyds etc. regular savers…

Remember the situation with Progressive, when they wouldn't allow existing accounts to be closed in order to open the newer, higher rate one? Similar situation here, we'll see how LBG react, they won't want affected customers (of which there will be many) kicking up too much of a fuss.

allegro120

https://forums.moneysavingexpert.com/discussion/comment/82068163#Comment_82068163

I'm in the process getting switch bonus from BoS. I already had BoS current account, this didn't stop me opening another one and proceed with the switch. Opening LBG current accounts shouldn't affect you switching plans.

If I was in your position I would open current accounts with all three. Standard current accounts with BoS and Halifax and Club with Lloyds. This will qualify you to open three RSs £900 p/m @8%. Lloyds Club requires depositing £2k every month in order to avoid the fee, but this can be in and out. I deposit £2k to Lloyds on the 1st of the month, distribute money to all LBG RSs and send the surplus back to my EA account.