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Regular Savings Accounts: The Best Currently Available List!
Comments
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It was few years ago since I used internal SO to fund TSB RS, but if my memory is not failing TSB's SOs don't get processed at weekends. You will know the real answer tomorrow, let us know the result.Speculator said:Anyone know if TSB internal standing orders leave tomorrow or 2nd April?
I have one dated to leave 1st April.1 -
With it being the start of the new tax year soon, some may be wanting to ``refresh" regular savers for tax purposes in the near future. I therefore thought now may be a good time to post a more up to date version of the list of both currently available and NLA regular savers that I posted a few times last year.
Currently Available Bank/ building society---------------------------------- Name Calendar/ Account month Withdrawals/early closure Interest rate---------- Fix/var-- Min deposit ---------- Max deposit----------------------- Bath BS 16-25 Regular Saver C 2 withdrawals/yr 7.49% V £10.00 £50.00 Skipton BS Members Regular Saver Issue 3 C Early closure only 7.00% F £0.00 £250.00 Co-operative Bank Regular Monthly Saver C Unlimited 7.00% V £0.00 £250.00 First Direct Regular Saver Account A Closure s.t very low interest rate 7.00% F £25.00 £300.00 Coventry BS Loyalty Regular Saver Issue 2 A 30 day interest penalty 6.75% V £0.00 £250.00 Nationwide BS Flex Regular Saver Issue 3 C 3 penalty free wdls/yr 6.50% V £0.00 £200.00 Lloyds Club Lloyds Monthly Saver C Unlimited 6.25% F £0.00 £400.00 RBS Digital Regular Saver C Unlimited 6.17% V £0.00 £150.00 Natwest Digital Regular Saver C Unlimited 6.17% V £0.00 £150.00 Mansfield BS Bonus Regular Savings (8th issue) C 2 withdrawals/yr else 90 day interest hit 6.10% V £10.00 £250.00 Cambridge BS Extra Reward RS C None 6.00% F £0.00 £300.00 Principality BS 2 Year Healthy Saver Bond C Early closure only 6.00% F £0.00 £50.00 Penrith BS Regular Saver 300 (Heartland only) C 3 penalty free wdls/yr 6.00% V £1.00 £300.00 West Brom BS Adult's Fixed Rate Regular Saver Issue 7 C None 6.00% F £0.00 £250.00 TSB Monthly Saver C Unlimited 6.00% F £0.00 £250.00 YBS Loyalty Regular (e)Saver C 2 withdrawals/yr 5.75% V £0.00 £250.00 Saffron BS Small Saver Issue 6 C 1 withdrawal/mth 5.75% V £1.00 £50.00 Principality BS Regular Savings Bond Issue 33 C Early closure only 5.50% F £0.00 £250.00 Halifax Regular Saver C Early closure only 5.50% F £0.00 £250.00 BOS Regular Saver C Unlimited 5.50% F £0.00 £250.00 Gatehouse Regular Monthly Saver Issue 2 C None 5.30% V £0.00 £300.00 YBS Regular Saver C 2 withdrawals/yr 5.25% V £0.00 £250.00 Lloyds Monthly Saver C Unlimited 5.25% F £0.00 £250.00 Leeds BS Regular Saver (all issues) C 1 withdrawal/yr 5.25% V £0.00 £250.00 Cumberland BS Regular Saver Issue 3 C Interest hit of 0.65% if 2+ deposits missed or 2+ withdrawals 5.25% V £0.00 £250.00 Saffron BS Members 12 Month Regular Saver C Unlimited 5.25% V £0.00 £500.00 Hinckley & Rugby BS Regular Saver 30 Day Notice C Unlimited Subject to 30 day notice 5.25% V £10.00 £500.00 Aldermore Regular Saver Account Issue 1 C Unlimited 5.25% V £0.00 £300.00 Leek BS Regular Saver Account Issue 3 C 3 withdrawals/yr 5.25% V £0.00 £500.00 Principality BS First Home Steps Online Issue 4 C 3 penalty free wdls/yr inc closure 5.25% V £0.00 £1,500.00 Leeds BS Home Deposit Saver C 1 withdrawal/yr 5.15% V £0.00 £500.00 Chorley BS Regular Saver (all issues) C None 5.15% V £0.00 £250.00 Stafford Railway BS Regular Saver Issue 1 C 4 withdrawals/yr 5.15% V £25.00 £1,000.00 Coventry BS First Home Saver Issue 2 C 60 day notice or interest penalty 5.05% V £0.00 £1,000.00 Coventry BS Regular Saver Issue 6 A 30 day interest penalty 5.00% V £0.00 £500.00 YBS First Home (e)Saver C 1 withdrawal/yr 5.00% V £0.00 £500.00 Santander Regular e-saver A Unlimited 5.00% F £0.00 £200.00 Loughborough BS 1Y Fixed Monthly Saver C None 5.00% F £1.00 £500.00 HSBC Regular Saver A closure s.t very low interest rate 5.00% F £25.00 £250.00 Cambridge BS Reward Regular Saver C Closure s.t 90 day interest penalty 5.00% F £0.00 £300.00 Bath BS Homestart Regular Saver C 2 withdrawals/yr 4.89% V £50.00 £250.00 Furness BS 1Y Regular Saver Issue 5 C 1 withdrawal/yr 4.75% V £1.00 £250.00 Monmouthshire BS Regular Saver Issue 3 C Unlimited 4.75% V £0.00 £300.00 Loughborough BS Limited Access Monthly Saver C 1 withdrawal/yr 4.75% V £1.00 £2,000.00 Earl Shilton Regular Monthly Saver C 2 withdrawals/yr, £10 hit if no payment 4.60% V £10.00 £1,000.00 Mansfield BS Regular eSaver C Unlimited Subject to 30 day notice 4.50% V £10.00 £500.00 Dudley BS One Year Regular Saver Online Issue 3 C Early closure only 4.40% V £0.00 £850.00 Dudley BS One Year Regular Saver Issue 8 C Early closure only 4.40% V £0.00 £850.00 Bath BS Regular Saver C 1 withdrawal/yr 4.39% V £20.00 £250.00 Cumberland BS First Home Saver Account Issue 2 C Unlimited subject to 90 day notice 4.35% V £100.00 £1,500.00 Newbury BS Home Saver C 2 withdrawals/yr 4.25% V £10.00 £500.00 Beverley BS Monthly Saver C Interest hit of 0.5% 4.25% V £10.00 £1,000.00 Ecology BS Regular Saver C 2 withdrawals/yr 4.25% V £25.00 £250.00 Darlington BS Regular Saver C Unlimited 4.20% V £0.00 £750.00 Vernon BS Regular Saver ISA C 2 withdrawals/yr, can miss 1 payment else 0.7% hit 4.15% V £25.00 £1,666.00 Buckinghamshire BS Regular Saver C Unlimited 4.10% V £0.00 £1,000.00 Buckinghamshire BS Next Steps Regular Saver C Unlimited 4.10% V £0.00 £1,000.00 Market Harborough BS Members Regular Saver C Unlimited Subject to 30 day notice 3.75% V £10.00 £3,000.00 West Brom BS Access Regular Saver C Unlimited 3.60% V £20.00 £2,000.00 Virgin Money Home Buying Regular Saver Issue 19-23 C Unlimited 3.00% F £0.00 £250.00 Loughborough BS Regular Monthly Saver Account C Unlimited 2.50% V £0.00 £1,000.00 NLA Bank/building society Name Calendar/Account month Withdrawals/early closure Interest rate Fix/var Min deposit Max deposit Saffron BS Members Month Loyalty Saver C 1 withdrawal/mth 9.00% F £0.00 £50.00 Nationwide BS Flex Regular Saver Issue 2 C 3 penalty free wdls/yr 8.00% V £0.00 £200.00 Monmouthshire BS Exclusive Regular Saver C Unlimited 8.00% V £0.00 £300.00 Skipton BS Members Branch Regular Saver C Early closure only 7.50% F £0.00 £250.00 Monmouthshire BS Regular Saver Issue 2 C Unlimited 7.00% V £0.00 £300.00 Coventry BS Loyalty Regular Saver A 30 day interest penalty 7.00% V £0.00 £250.00 Gatehouse Regular Monthly Saver C None 7.00% F £0.00 £300.00 YBS Loyalty Regular (e)Saver 2023 C 1 withdrawal/yr 7.00% V £0.00 £500.00 YBS Limited Access Monthly Saver Issue 2/loyalty eSaver C 1 withdrawal/yr 6.25% V £0.00 £500.00 Principality BS Maturity Winter Regular Saver C Early closure only 6.25% F £0.00 £125.00 Tipton & Cosley BS Regular Saver to 31 October 2024 app +branch/post C None unless 3 payments are missed (converts to EA) 6.20% F £50.00 £500.00 Mansfield BS Kick Start Regular Savings (7th issue) C 2 withdrawals/yr else 90 day interest hit 6.10% F £25.00 £250.00 YBS Christmas 2024 Regular Savings Bond C 1 withdrawal/yr 6.00% V £0.00 £150.00 Nottingham BS UK Savings Week Regular Saver C None 6.00% F £0.00 £250.00 Furness BS Christmas Regular Saver Issue 1 C 1 withdrawal/yr 6.00% V £1.00 £500.00 Beehive UK Savings Week Regular Saver C None 6.00% F £0.00 £250.00 Beehive Online Fixed Regular Saver C None (matures 31/7/24) 6.00% F £0.00 £250.00 Nottingham BS Branch Fixed Regular Saver C None 6.00% F £0.00 £250.00 Tipton & Cosley BS Regular Saver to 31 July 2024 branch+post/app version C None unless 3 payments are missed (converts to EA) 5.75% V £50.00 £500.00 Monmouthshire BS Coronation Regular Saver C Unlimited 5.60% V £0.00 £300.00 Coventry BS First Home Saver Issue 1 C Unlimited 5.60% V £0.00 £1,000.00 Nationwide BS Start to Save Issue 2 C Unlimited 5.50% V £0.00 £50.00 Melton BS Regular Saver 4 C Unlimited 5.50% V £0.00 £150.00 Coventry BS Regular Saver Issue 5 A 30 day interest penalty 5.50% V £0.00 £500.00 Chorley BS Seasonal Saver (all issues) C None 5.15% V £0.00 £250.00 Kent Reliance BS Regular Savings Issue 11 C Unlimited 5.00% V £1.00 £500.00 West Brom BS Adult's Fixed Rate Regular Saver Issue 6 C None 5.00% F £0.00 £250.00 Melton BS Regular Saver 3 C Unlimited 5.00% V £0.00 £200.00 Nottingham BS Starter ISA Issue 11 C None, except transfers out s.t. 180 day interest hit 5.00% V £0.00 £1,600.00 Principality BS Christmas 2023 Regular Savings Bond C Early closure only 5.00% F £0.00 £125.00 Mansfield BS Regular Saver C Unlimited Subject to 30 day notice 4.50% V £10.00 £500.00 Nottingham BS Summer Saver Issue 2 C None (matures 31/8/24) 4.50% F £0.00 £500.00 Principality BS Regular Savings Bond Issue 32 C Early closure only 4.50% F £0.00 £250.00 Buckinghamshire BS Regular Saver Locals C Unlimited 4.50% V £0.00 £500.00 Saffron BS Regular Saver ISA C Unlimited 4.25% F £0.00 £1,650.00 Darlington BS Green Regular Saver C Unlimited 4.20% V £0.00 £250.00 Darlington BS Special Occasion Saver C Unlimited 4.20% V £0.00 £250.00 Darlington BS High Days and Holiday Saver C Unlimited 4.15% V £0.00 £250.00 Principality BS Regular Savings Bond Issue 31 C Early closure only 4.00% F £0.00 £250.00 Monmouthshire BS Regular Saver Bond Issue 8 C None 3.75% F £0.00 £250.00 West Brom BS Adult's Fixed Rate Regular Saver Issue 5 C None 3.50% F £0.00 £250.00 Nottingham BS Seasonal Saver Issue 5 C None (matures 30/11/24) 3.50% F £0.00 £500.00 Principality BS Regular Savings Bond Issue 30 C Early closure only 3.25% F £0.00 £250.00 Principality BS Regular Savings Bond Issue 29 C Early closure only 2.80% F £0.00 £250.00 Melton BS Jubilee Regular Saver C None (matures 31/7/24) 2.70% F £0.00 £250.00 Virgin Money Home Buying Regular Saver Issue 18 C Unlimited 2.25% F £0.00 £250.00 Principality BS Regular Savings Bond Issue 28 C Early closure only 2.25% F £0.00 £250.00 West Brom BS Adult's Fixed Rate Regular Saver Issue 4 C None 2.00% F £0.00 £250.00 Virgin Money Home Buying Regular Saver Issue 12-17 C Unlimited 1.75% F £0.00 £250.00
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Having renewed Club Lloyds on Saturday (30 March) and added £400 then, I have found this morning (1 April) when trying to add £400 an error which tells me the payment exceeds the monthly limit. Really been pushing the boundaries of LBG's arcane rules this weekend!vermania said:I have had the very same problem with the Bank of Scotland renewal. Nothing has worked trying to move money around (short of closing the account which I have not done) so I will just wait until renewal on 2 April. Lloyds and Halifax renewed without any problems. In my vain attempts, one thing I did notice though is the Bank of Scotland account accepted new money yesterday as if it were April's contribution - so potentially there is a few days extra interest on weekends or bank holidays, but maybe not if they calculate interest based on the working day the transaction is logged against. Any willing volunteers to test that and earn/lose a few pennies?!0 -
I suspect that as you added £400 on Sat, it wouldn’t be credited to the RS until Tue due to the BH. Therefore you’ve already funded the RS in April.vermania said:
Having renewed Club Lloyds on Saturday (30 March) and added £400 then, I have found this morning (1 April) when trying to add £400 an error which tells me the payment exceeds the monthly limit. Really been pushing the boundaries of LBG's arcane rules this weekend!vermania said:I have had the very same problem with the Bank of Scotland renewal. Nothing has worked trying to move money around (short of closing the account which I have not done) so I will just wait until renewal on 2 April. Lloyds and Halifax renewed without any problems. In my vain attempts, one thing I did notice though is the Bank of Scotland account accepted new money yesterday as if it were April's contribution - so potentially there is a few days extra interest on weekends or bank holidays, but maybe not if they calculate interest based on the working day the transaction is logged against. Any willing volunteers to test that and earn/lose a few pennies?!3 -
Should have opened it last Thursday. That was the last working day of March. The T&Cs actually say to make your payments by 25th of each month to avoid this issuevermania said:
Having renewed Club Lloyds on Saturday (30 March) and added £400 then, I have found this morning (1 April) when trying to add £400 an error which tells me the payment exceeds the monthly limit. Really been pushing the boundaries of LBG's arcane rules this weekend!vermania said:I have had the very same problem with the Bank of Scotland renewal. Nothing has worked trying to move money around (short of closing the account which I have not done) so I will just wait until renewal on 2 April. Lloyds and Halifax renewed without any problems. In my vain attempts, one thing I did notice though is the Bank of Scotland account accepted new money yesterday as if it were April's contribution - so potentially there is a few days extra interest on weekends or bank holidays, but maybe not if they calculate interest based on the working day the transaction is logged against. Any willing volunteers to test that and earn/lose a few pennies?!I consider myself to be a male feminist. Is that allowed?1 -
Wasn't processed today so will be tomorrow.allegro120 said:
It was few years ago since I used internal SO to fund TSB RS, but if my memory is not failing TSB's SOs don't get processed at weekends. You will know the real answer tomorrow, let us know the result.Speculator said:Anyone know if TSB internal standing orders leave tomorrow or 2nd April?
I have one dated to leave 1st April.
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Thanks for the updated list👍, must have taken time to type etcBridlington1 said:With it being the start of the new tax year soon, some may be wanting to ``refresh" regular savers for tax purposes in the near future. I therefore thought now may be a good time to post a more up to date version of the list of both currently available and NLA regular savers that I posted a few times last year2 -
@Bridlington1 for creating and sharing the list, I have already found it useful.Fashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family4 -
With a bit of a heavy heart - I've decided I'm closing down most of my motley collection of regular savers ahead of the tax year. Moving forward my strategy will be to use up most of my £500 PSA with Natwest and RBS Digital Regular Saver interest, leaving a bit of room presuming a Nationwide 'Fairer Share' will be paid. If that doesn't materialse, I should be able to use up the rest of it with a few more monthly deposits. Same goes for a moderate drop in the interest rate Natwest/RBS offer, but since this has been strong for a long while now I'm optimistic that it'll remain so.
Sucks a little effectively declining higher interest rates but it should free up more funds which my wife can then continue playing the regular saver game with.
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I am also reducing my RS portfolio / contributions as I am shifting £2,880 into my SIPP and £20k into an ISA on or shortly after the 6th.2
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