The Top Regular Savers Discussion Thread

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/82165037#Comment_82165037

Not quite what that means, 'desktop mode' on a phone just forces the website to display the version of itself that is designed for laptops/desktops rather than that optimised for mobile screens.

So you see the same page on the mobile that you'd see on your laptop, albeit there's probably some scrolling required.

10_66

https://forums.moneysavingexpert.com/discussion/comment/82165040#Comment_82165040

Ah right, I took it to mean you had to view on a mobile 👍🏻

chris_the_bee

https://forums.moneysavingexpert.com/discussion/comment/82164613#Comment_82164613

Monmouthshire RS

Can the RS Issue 9 be managed via the online account? i know it must be opened by the APP

moi

https://forums.moneysavingexpert.com/discussion/comment/82165247#Comment_82165247

I don't have Mon BS Issue 9, but had a couple of App Savers, and have Regular 8, and I have successfully got them in Mon BS online via the "Add Account" feature (and withdrawen from.) For the APP Savers, the website view just didn't update as quickly.

chris_the_bee

https://forums.moneysavingexpert.com/discussion/comment/82165252#Comment_82165252

Monmouthshire RS

Reason I ask is that T's&C's for issue 8 say it can be managed online, but issue 9 only says APP or Branch

moi

https://forums.moneysavingexpert.com/discussion/comment/82165271#Comment_82165271

Ah OK. Forget Iss.8, but the App Savers were definitely "How to Manage: Via the MonBS App," yet website was possible.

mon3ysav3r

https://forums.moneysavingexpert.com/discussion/comment/82165271#Comment_82165271

Monmouthshire RS

Yes I manage my issue 9 using web browser rather than App, I can't remember if I had to click the add account to make it appear.

Section62

https://forums.moneysavingexpert.com/discussion/comment/82165280#Comment_82165280

Yes, same here. Had to do 'add account' more than once before the account appeared, although that may just be that I wasn't patient enough. It is (AIUI) a manual process in the back office to do the actual adding, so is never (in my experience) instant.

Issue 9 appears to be manageable online, but we'll only know for sure when people have tried doing more than viewing the account.

(being on page 666 do we need to wear a green shirt or anything when posting?)

adindaspantai

https://forums.moneysavingexpert.com/discussion/comment/82164651#Comment_82164651

IMO, This is certainly the best strategy. But if you have maxed out this 5% EAs, you will still need to look into easy access RSA paying 5%. Also consider that typically 5% EAs saving is variable so could change. If you do not take advantage of easy access RSA paying 5% while it is still on offer it might not be available when you need them. Yes easy access RSA is also typically variable but considering you have a few of them, the chance that the interest change at the same is much lower.

People on basic tax rate could save (assuming all saving are paying 5% interest) up to £20,000 to avoid paying tax on interest.This £20k limit might not be optimised if you do not take advantage of easy access RSA paying 5%. In reality it will be lower taking into consideration that you have RSA paying higher than 5%.

Bob2000

Chase regular saver question.

I've applied for a Chase account today and am asking if you can open their Regular Saver straight away, or do you need to use the debit card first?

Also, it being the 11th today, and potentially, the account may not be open (if they even accept me) until the 18th if they do seven days of check.

Would it be worth the risk and wait until the end of the month, then fund again on the 1st or open straight away case the RS is pulled?