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Sarah
Money Manager
Joined: 16 Jul 2004
Posts: 831
Cash Points ££ 12024.38
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 Posted: Thu Nov 02, 2006 11:38 pm Post subject: Best Regular Saver Accounts |
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Here's a summary of the current best regular saver accounts, and I hope to keep updating this thread on a regular basis.
Ipswich BS Regular Saver
Rate 8.25%
Min £90, Max £250
Runs for 12 months
Lloyd's TSB Regular Saver
Rate 8%
Min £10, Max £250
The account runs for 2 years with interest on anniversary, requires an current account.
HSBC Regular Saver²
Rate 8%
Min £25, Max £1000
Account runs for 12 months, but is only available to customers who have their monthly salary or retirement income paid to an HSBC Bank current account.
Britannia Regular Saver
Rate 7.25%
Min £25, Max £250
Runs for 12 months
Halifax Regular Saver
Rate 7% on anniversary
Minimum £10, Max £250 per month
At the end of 12 months the account restarts, no need to reopen
Yorkshire Building Society
Rate 6.5%
Minimum £10 , Max £500 per month
The Account runs for over 3 years and can hold a maximum of £20k, interest on anniversary
Principality BS Regular Saver Bond Issue 4
Rate 6.5%
Minimum £20 , Max £500 per month
Check regularly for updates on the best current regular saver accounts. |
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Sarah
Money Manager
Joined: 16 Jul 2004
Posts: 831
Cash Points ££ 12024.38
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| Posted: Sat Nov 04, 2006 6:18 pm Post subject: |
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| Existing members of the Britannia earn a higher interest rate on their regular saver based on a points scheme, they could earn up to 8% interest ! |
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Lucky
Newbie
Joined: 13 May 2006
Posts: 22
Cash Points ££ 512.86
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| Posted: Sun Nov 19, 2006 1:32 am Post subject: |
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There are a few high paying childrens regular saver such as the halifax which gives 10% for 1 year for £100 per month  |
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Wade
Saving Enthusiast
Joined: 17 Feb 2005
Posts: 185
Cash Points ££ 2569.94
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| Posted: Mon Nov 20, 2006 3:10 am Post subject: |
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| I think A&L do a 12% child regular saver, not sure. though.. |
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Arkad
Stranger
Joined: 20 Nov 2006
Posts: 1
Cash Points ££ 12.42
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| Posted: Mon Nov 20, 2006 10:29 pm Post subject: |
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| A+L offer a 12% Regular Saver, however you can only open one as part of an application for one of their current accounts. |
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Sarah
Money Manager
Joined: 16 Jul 2004
Posts: 831
Cash Points ££ 12024.38
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| Posted: Wed Nov 22, 2006 2:45 am Post subject: |
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| Arkad wrote: | | A+L offer a 12% Regular Saver, however you can only open one as part of an application for one of their current accounts. |
Yes, The A&L 12% regular saver is only available to new Premier current account holders. Existing Premier current account holders cannot open this account. |
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Phillipa
Veteran Investor
Joined: 05 Feb 2005
Posts: 419
Cash Points ££ 3383.78
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| Posted: Thu Nov 23, 2006 3:52 am Post subject: Britiania Regular Saver 7.5% |
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According to the Britiania website the rate is 7.5%, and it runs for 12 months from 3rd of Nov 06 - Please take note of the conditions that if yuo miss a payment you will get just 1.5% !
i.e.
* Saving a set amount each month makes a lot of sense, but it also takes discipline, that's why we reward you with a rate of 7.5% gross* fixed for 1 year if you pay 12 equal monthly instalments.
* All we need from you is an agreed monthly investment between £25 and £250, you can watch your savings steadily grow.
* Enjoy a high flying interest rate without needing to move your current account.
* Interest will be paid by adding it to your account on the anniversary of the account opening.
* No withdrawals are permitted during the fixed term.
How the account works
If you pay in more than your first monthly payment in any month, we will transfer the excess into a Flexible Savings instant access account paying a lower rate of interest.
If you miss a monthly payment, your investment will not mature at the end of the 1 year fixed term, but will instead mature on 2nd November 2007. Also, instead of receiving 7.5% Gross*/AER* on your account for 1 year you will receive interest at a fixed rate of 1.5% Gross*/AER* on your savings, from and including the date of the missed payment until 2nd November 2007. This lower rate will apply to the balance in your account from the date of the missed payment, and all payments made following the missed payment, until the account matures on 2nd November 2007.
When your funds mature they will move into a holding account where you will have access to your money and earn a variable rate of interest for 30 days. During this time you can decide what you wish to do with your matured funds. If after 30 days you choose not to take any action your funds will be transferred into a Member’s 1 Year Bond. Further details will be sent to you prior to maturity.
For an example of how much interest you can expect to earn at the end of the 1 year term, if you choose to save £250 per month during the 1 year fixed term, at the end of the fixed term you will get back £3,000 plus a gross* amount of £122.26 in interest. This example assumes that all payments, including the first one are received into your account on the same date every month. |
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Sarah
Money Manager
Joined: 16 Jul 2004
Posts: 831
Cash Points ££ 12024.38
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| Posted: Thu Dec 14, 2006 11:26 pm Post subject: Abbey 7% Regular Saver |
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A new 7% regular saver account from Abbey (Issue 6)
* £20 to £250 per month
* 12 months
* If you miss a month, you get 0.1% for that month. |
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Sarah
Money Manager
Joined: 16 Jul 2004
Posts: 831
Cash Points ££ 12024.38
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| Posted: Mon Jan 15, 2007 2:12 am Post subject: Barclays 12.5 % regular Saver |
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Earn 12.5% gross/AER fixed for a year when you open a Barclays Regular Saver account between 2 January 2007 and 28 February 2007.
* Save between £25 and £250 each month.
* Fixed interest paid at the end of the 12-month term.
* Pay at least £1,000 into a Barclays current account each month, including your salary or pension mandate.
* No withdrawals or additional deposits.
* Open to both Barclays customers and new current account customers.
* Offer is not available to existing Barclays Regular Saver customers.
* Limited offer - may be withdrawn at any time. |
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Sugarbabe
Beginning Saver
Joined: 19 Jun 2006
Posts: 49
Cash Points ££ 1027.04
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| Posted: Fri Jan 19, 2007 3:26 am Post subject: |
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| The NS&I is defineteltly the best cash isa on the market at the moment, if you don't have a cash ISA then hurry and rush and get it ! |
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Sarah
Money Manager
Joined: 16 Jul 2004
Posts: 831
Cash Points ££ 12024.38
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| Posted: Tue Jan 23, 2007 5:09 am Post subject: |
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The Lloyds TSB 8% rergular saver will be withdrawn from March 07, so if your waiting to set one up, do it sooner rather than later.
Yes it will run for the full term if opened BEFORE March 07 |
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