Robust British cuisine !
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Barclays: oh no
I’ll be keeping my Rainy Day Saver even though I’ll be dribbling money in to our 4 Digital Regular Savers moving forward. I appreciate the easy access nature of Barclay’s offering, it has incentivised me to move even little bits of money from ebay sales etc in to it, safe in the knowledge it’ll be just as easy to get to to it and top it up again when I might need to.
Suddenly the Santander 2.75% lacks a purpose in my portfolio…
What I really need now is a better LISA interest rate, ideally one starting with a 4 (which would match the best ever rate I’ve had on a Help to Buy ISA or LISA). Moneybox are currently at 3 + .25 bonus, which is tempting.
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While this may look tempting, the monthly contribution limit of £150 severely restricts it.
At the moment, for example, the monthly limit means that you’ve only earned 2.25% interest after 12 months.
Perhaps they will increase the monthly limit.
A common misunderstanding with regular saver accounts.
You will actually get 5% on the money in the account not 2.25%
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The misunderstanding is usually people expecting to get a full year of the final balance after 12 months at 5% 
What I was getting at is that the amount of interest you end up with is equivalent to saving the £1800 (12 x 150) in a 2.25% savings account for 12 months.
You have managed to miss out, and had to explain the word ‘equivalent’ twice now, in two identical conversations, with the same person, on two separate forums.
Yes, but unlike most regular savers, this one doesn’t have a fixed term. Once the money is in, it’ll earn interest indefinitely.
I’ve had £1000 in one of mine for years now, continuing to earn a market leading rate.
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How awful. I’ll go and sit on the naughty step 
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You really are a Scamp……
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Speaking of savings. Can I put all £5k in the Barclays Rainy Day Saver in one go? Can I pay in from non-Barclays accounts?
Yes, and yes.
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Fantastic. Time to take £5k out of PBs
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0.5%? Is that all?
That is their underlying rate, to which you add the relevant bonus for the issue possessed.
Still not market leading though. Although I think there was a recent bonus that would now push it just above 2.5%
Not the one I hold, but cba to keep changing issues for pence. My account serves a purpose, not necessarily for large gains.
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Ford money increased rates to 2.62% AER as of 21.12.22
Currently not on sale to new customers
I think they just closed again recently, they were open on the day BoE rates went up.
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