The Top Regular Savers Discussion Thread

ToastLady

https://forums.moneysavingexpert.com/discussion/comment/82144525#Comment_82144525

I am sure nominated account was part of application process. I note all details down on notepad when opening an account and I've noted it down there.

Ed-1

https://forums.moneysavingexpert.com/discussion/comment/82143806#Comment_82143806

The below application link allows you to apply for a Halifax regular saver without a Halifax login:

https://apply.halifax-online.co.uk/sales-content/cwa/h/pao/index-app.html?WT.ac=top-apply/savings-regularsaver/deep-link#/regularsaver/about-you

Kim_13

https://forums.moneysavingexpert.com/discussion/comment/82144525#Comment_82144525

I was definitely asked as a new customer but can't recall at what point in the process. Wasn't asked as an existing customer.

While you are a new customer now, have you had any dealings with them in the past from which they might still have a nominated account on file for you? For example there was a 6.something fixed £250 per month RS that a lot of us had in 2023, but many closed on maturity as they did not make it easy and inexpensive to retain membership (doing nothing on maturity was the most cost effective way, but that then meant having to message them to ask for the remainder of the balance as payments could not be scheduled via the app.)

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/82144599#Comment_82144599

Albeit that the Halifax RS now pays 5% AER.

where_are_we

NLA Lloyds Halifax and BOS RS`s @8%. Thanks to all predicting this move. Fortunately, last night, I was able to renew my Club Lloyds Monthly Saver @6.25% with one month left to maturity and then be able open a new CLMS @8%. I was planning to let the old CLMS @6.5% to run to maturity next month and then be able to open a new CLMS @8%.

clairec666

https://forums.moneysavingexpert.com/discussion/comment/82144622#Comment_82144622

Thanks. I'm a brand new customer, no previous accounts. I'll wait until I get access to the app, then I can check all is in order before sending any money. There's a 14 day window in which to fund the account, otherwise it'll be closed - hopefully this starts from yesterday (the date the account was finally opened) rather than the date I applied.

Enzo_L

https://forums.moneysavingexpert.com/discussion/comment/82143679#Comment_82143679

Halifax

Yes, you're right. They've just cut the rate on new RS accounts to 5% fixed so I won't be putting any money in when my 8% rate ends unless they put the rate back up again, which I really don't expect. ☹

Section62

https://forums.moneysavingexpert.com/discussion/comment/82144766#Comment_82144766

LBG - Seems an odd thing for them to have put the rate up to 8%, then cut it below the level it has been for eons.

I wonder if they are moving to a model similar to Virgin Money of offering a very attractive rate for a limited time, then a much less attractive offer in between.

Although nothing is certain, we've probably got a hint that if the 8% rate comes back it won't be around forever and grabbing it while available might be the best strategy.

HenryBloggs00

https://forums.moneysavingexpert.com/discussion/comment/82144776#Comment_82144776

Definitely speculation; but Lloyds are currently offering their CCSS £200 cash offer; the last time they did this in January, the rate was also @6.25%. So when offering switch service money, they may subsequently longer the rate of the regular saver. Annoying though

janusd

Re: Manchester BS Manchester Regular Saver (Issue 1) - just a heads up for those that opened this account when first posted here last year (22 Sept 25) and haven't made a note about it - I opened it on that date and my first year's interest was paid today.