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Regular Savings Accounts: The Best Currently Available List!

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  • Hal17
    Hal17 Posts: 354 Forumite
    Part of the Furniture 100 Posts Photogenic
    I have just updated the spreadsheet on our RS rates, we have 16 on fixed rates and 7 on variable rates. We just opened the Santander at 5% just in case.
  • jameseonline
    jameseonline Posts: 1,133 Forumite
    1,000 Posts First Anniversary Name Dropper
    jaypers said:
    Just out of interest, what are people’s minimum RS rates they think are worth having now? Mine is 5.5%…….have access to the Santander 5% one but just doesn’t seem worth it. 
    All depends on how much you have available, what accounts you are eligible for etc as you are limited how much you can fund each.

    Currently 5.5% is my minimum funding wise, has been for a while, did have several 5.25%.

    I'm emptying my Bank Of Scotland regular & closing my Halifax regular soon though as need to free up funds.

    Next minimum will be the YBS 5.75% Loyalty Regular I think, then TSB @ 6%

    I'm not due to have savings end until 19th September or something so got a YBS 7% ending  & a 8% Nationwide ending, so over £8000 due to me, gotta keep going till then.

    I agree 5% isn't worth it if you can fund better accounts, eg other regular savers, Santander Edge Saver, Cahoot Sunny Day etc.
  • allegro120
    allegro120 Posts: 1,971 Forumite
    1,000 Posts Second Anniversary Name Dropper
    jaypers said:
    Just out of interest, what are people’s minimum RS rates they think are worth having now? Mine is 5.5%…….have access to the Santander 5% one but just doesn’t seem worth it. 
    Mine is now 5.25%.  Any RS above top EA rate is worth funding.  I keep my Santander opened, but won't fund it until the rate will be above my highest paying EA.
  • jaypers said:
    Just out of interest, what are people’s minimum RS rates they think are worth having now? Mine is 5.5%…….have access to the Santander 5% one but just doesn’t seem worth it. 
    Opened one at 5.25% recently, only because it's a fixed rate (Lloyds).  I usually fund RS's down to 6% at the lowest, but since I have two fully loaded Monmouthshire BS RS's maturing at the end of this month (and a few other RS's maturing next month), I need a home for the proceeds.  So I've opened a bunch of RS's this month that were between 5.25%-5.75% which along with the 5.2% Cahoot Sunny Day Saver, should be able to absorb most of the proceeds in the next month or two.  Currently got 25 active RS's.
  • allegro120
    allegro120 Posts: 1,971 Forumite
    1,000 Posts Second Anniversary Name Dropper
    Bridlington1 said:
    For ease of reference I'll add a list of which regular savers have announced rate decreases/rate holds since the last BOE base rate reduction to the Archived List of Regular Savers thread later this evening, I've been maintaining a list of them on my spreadsheet anyway so it'll just be a copy/paste job with todays additions thrown in.
    As advertised below is a list of the variable rate regular savers I'm aware of that have announced rate reductions or that they're holding their rates since the BOE base rate reduction from 5.25% to 5% on 1/8/24.

    There may be some accounts missing, if there are any please let me know.

    Note I haven't listed accounts that are yet to declare.

    Upcoming Regular Saver Rate Decreases:

    AccountOld rateNew rateDate
    Aldermore Regular Saver Account Issue 15.25%NO CHANGE03/09/24
    Buckinghamshire BS Regular Saver4.00%3.75%01/09/24
    Buckinghamshire BS Regular Saver Locals4.40%4.15%01/09/24
    Coventry BS Children's Regular Saver4.65%4.40%02/09/24
    Coventry BS Colleague Regular Saver5.50%5.25%02/09/24
    Coventry BS First Home Saver5.60%5.35%02/09/24
    Coventry BS First Home Saver5.60%5.35%02/09/24
    Coventry BS First Home Saver (2)5.05%4.80%02/09/24
    Coventry BS Loyalty Regular Saver7.00%6.50%02/09/24
    Coventry BS Loyalty Regular Saver (2)6.75%6.50%02/09/24
    Coventry BS Regular Saver5.05%4.80%02/09/24
    Coventry BS Regular Saver (5)5.50%5.25%02/09/24
    Coventry BS Regular Saver (6)5.00%4.75%02/09/24
    Coventry BS Regular Saver ISA5.05%4.80%02/09/24
    Darlington BS 12 Month RS5.10%5.10%01/09/24
    Darlington BS Green Regular Saver4.20%3.95%01/09/24
    Darlington BS High Days & Holidays Saver4.15%3.80%01/09/24
    Darlington BS regular esaver4.20%3.95%01/09/24
    Darlington BS regular saver4.20%3.95%01/09/24
    Darlington BS Special Occasion Saver4.20%3.95%01/09/24
    HRBS Regular Saver 30 Day Notice5.25%5.00%24/08/24
    HRBS Regular Saver 30 Day Notice5.25%5.00%24/08/24
    HRBS Regular Saver 30 Day Notice Issue 25.10%4.85%24/08/24
    HRBS Regular Saver 30 Day Notice Issue 25.10%4.85%24/08/24
    Leek BS Homebuyers Regular Savings3.80%3.55%02/09/24
    Leek BS Regular Saver Account Issue 1 & 23.80%3.55%02/09/24
    Leek BS Regular Saver Account Issue 35.25%5.00%02/09/24
    Mansfield BS Bonus Regular Savings Issue 86.10%5.85%01/09/24
    Mansfield BS Kick Start Regular Savings Issue 7 (after 1Y only, before 1Y fixed at 6.1%)4.25%4.00%01/09/24
    Mansfield BS Regular Savings (2nd issue)4.25%4.00%01/09/24
    Mansfield BS Regular Savings (3rd- 6th issues, including 150th anniversary issue)4.25%4.00%01/09/24
    Mansfield BS Regular Savings 30 (1st issue)4.50%4.25%01/09/24
    Mansfield BS Young Regular Saver (1st and 2nd issue)4.75%4.50%01/09/24
    Mansfield BS Young Regular Saver (3rd issue)4.75%4.50%01/09/24
    Market Harborough BS Member Monthly Saver3.75%NO CHANGE01/09/24
    Natwest Digital Regular Saver (headline only)6.17%6.17%29/08/24
    Newbury Home Saver4.25%4.00%12/09/24
    Principality BS 1 Year Triple Access Regular Saver6.00%5.75%12/09/24
    Principality BS First Home Steps Account Issue 45.25%5.00%12/09/24
    Principality BS First Home Steps Online Issue 35.25%5.00%12/09/24
    RBS Digital Regular Saver (headline only)6.17%6.17%29/08/24
    Saffron BS 12 Month Members Regular Saver5.50%5.25%30/08/24
    Saffron BS Small Saver5.75%5.50%30/08/24
    Skipton Home Deposit Saver Issue 15.06%NO CHANGE02/09/24
    Stafford Railway BS Regular Saver5.15%NO CHANGE01/09/24
    Suffolk BS Online 1 Year Variable Rate Regular Saver (30.09.2025)5.15%NO CHANGE02/09/24
    Suffolk BS Variable Rate Regular Saver (31.05.2026)5.00%NO CHANGE02/09/24
    Suffolk BS Variable Rate Regular Saver (31.12.2025)5.00%NO CHANGE02/09/24
    Vernon Online Regular Saver6.50%NO CHANGE01/09/24
    West Brom Access Regular Saver3.60%3.35%16/09/24
    YBS Christmas 2024 Regular Saver/eSaver6.00%NO CHANGE06/09/24
    YBS First Home Saver/eSaver5.00%4.90%06/09/24
    YBS Loyalty 2023 Regular Saver/eSaver7.00%NO CHANGE06/09/24
    YBS Loyalty Regular Saver/eSaver5.75%NO CHANGE06/09/24
    YBS Regular Saver/eSaver5.25%5.05%06/09/24

    Coventry BS Loyalty Regular Saver7.00%6.50%02/09/24.  It is 6.75%.
  • Thanks @Bridlington1 for the comprehensive list 
    However Coventry BS Loyalty Regular Savergoing from 7% to 6.75% not 6.5%

    I have recently started adding more to my 6% Regular Savers, but I have nothing open below this. Priority is my ZOPA easy access Cash ISA which still has some headroom. If I can no longer add to my ISAs then i'll look at those paying 5.50% or more.

  • Bridlington1 said:
    For ease of reference I'll add a list of which regular savers have announced rate decreases/rate holds since the last BOE base rate reduction to the Archived List of Regular Savers thread later this evening, I've been maintaining a list of them on my spreadsheet anyway so it'll just be a copy/paste job with todays additions thrown in.
    As advertised below is a list of the variable rate regular savers I'm aware of that have announced rate reductions or that they're holding their rates since the BOE base rate reduction from 5.25% to 5% on 1/8/24.

    There may be some accounts missing, if there are any please let me know.

    Note I haven't listed accounts that are yet to declare.

    Upcoming Regular Saver Rate Decreases:

    AccountOld rateNew rateDate
    Aldermore Regular Saver Account Issue 15.25%NO CHANGE03/09/24
    Buckinghamshire BS Regular Saver4.00%3.75%01/09/24
    Buckinghamshire BS Regular Saver Locals4.40%4.15%01/09/24
    Coventry BS Children's Regular Saver4.65%4.40%02/09/24
    Coventry BS Colleague Regular Saver5.50%5.25%02/09/24
    Coventry BS First Home Saver5.60%5.35%02/09/24
    Coventry BS First Home Saver5.60%5.35%02/09/24
    Coventry BS First Home Saver (2)5.05%4.80%02/09/24
    Coventry BS Loyalty Regular Saver7.00%6.50%02/09/24
    Coventry BS Loyalty Regular Saver (2)6.75%6.50%02/09/24
    Coventry BS Regular Saver5.05%4.80%02/09/24
    Coventry BS Regular Saver (5)5.50%5.25%02/09/24
    Coventry BS Regular Saver (6)5.00%4.75%02/09/24
    Coventry BS Regular Saver ISA5.05%4.80%02/09/24
    Darlington BS 12 Month RS5.10%5.10%01/09/24
    Darlington BS Green Regular Saver4.20%3.95%01/09/24
    Darlington BS High Days & Holidays Saver4.15%3.80%01/09/24
    Darlington BS regular esaver4.20%3.95%01/09/24
    Darlington BS regular saver4.20%3.95%01/09/24
    Darlington BS Special Occasion Saver4.20%3.95%01/09/24
    HRBS Regular Saver 30 Day Notice5.25%5.00%24/08/24
    HRBS Regular Saver 30 Day Notice5.25%5.00%24/08/24
    HRBS Regular Saver 30 Day Notice Issue 25.10%4.85%24/08/24
    HRBS Regular Saver 30 Day Notice Issue 25.10%4.85%24/08/24
    Leek BS Homebuyers Regular Savings3.80%3.55%02/09/24
    Leek BS Regular Saver Account Issue 1 & 23.80%3.55%02/09/24
    Leek BS Regular Saver Account Issue 35.25%5.00%02/09/24
    Mansfield BS Bonus Regular Savings Issue 86.10%5.85%01/09/24
    Mansfield BS Kick Start Regular Savings Issue 7 (after 1Y only, before 1Y fixed at 6.1%)4.25%4.00%01/09/24
    Mansfield BS Regular Savings (2nd issue)4.25%4.00%01/09/24
    Mansfield BS Regular Savings (3rd- 6th issues, including 150th anniversary issue)4.25%4.00%01/09/24
    Mansfield BS Regular Savings 30 (1st issue)4.50%4.25%01/09/24
    Mansfield BS Young Regular Saver (1st and 2nd issue)4.75%4.50%01/09/24
    Mansfield BS Young Regular Saver (3rd issue)4.75%4.50%01/09/24
    Market Harborough BS Member Monthly Saver3.75%NO CHANGE01/09/24
    Natwest Digital Regular Saver (headline only)6.17%6.17%29/08/24
    Newbury Home Saver4.25%4.00%12/09/24
    Principality BS 1 Year Triple Access Regular Saver6.00%5.75%12/09/24
    Principality BS First Home Steps Account Issue 45.25%5.00%12/09/24
    Principality BS First Home Steps Online Issue 35.25%5.00%12/09/24
    RBS Digital Regular Saver (headline only)6.17%6.17%29/08/24
    Saffron BS 12 Month Members Regular Saver5.50%5.25%30/08/24
    Saffron BS Small Saver5.75%5.50%30/08/24
    Skipton Home Deposit Saver Issue 15.06%NO CHANGE02/09/24
    Stafford Railway BS Regular Saver5.15%NO CHANGE01/09/24
    Suffolk BS Online 1 Year Variable Rate Regular Saver (30.09.2025)5.15%NO CHANGE02/09/24
    Suffolk BS Variable Rate Regular Saver (31.05.2026)5.00%NO CHANGE02/09/24
    Suffolk BS Variable Rate Regular Saver (31.12.2025)5.00%NO CHANGE02/09/24
    Vernon Online Regular Saver6.50%NO CHANGE01/09/24
    West Brom Access Regular Saver3.60%3.35%16/09/24
    YBS Christmas 2024 Regular Saver/eSaver6.00%NO CHANGE06/09/24
    YBS First Home Saver/eSaver5.00%4.90%06/09/24
    YBS Loyalty 2023 Regular Saver/eSaver7.00%NO CHANGE06/09/24
    YBS Loyalty Regular Saver/eSaver5.75%NO CHANGE06/09/24
    YBS Regular Saver/eSaver5.25%5.05%06/09/24

    Cross checking mine:

    Tipton - no change
    Beehive - no change
    Notts seasonal saver issue 5 - no change 
    Hanley Branch - no change

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