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Regular Savings Accounts: The Best Currently Available List!
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Well spotted. Clearly I'm not immune to typos, both this list and the one on the archived list of regular savers have now been updated.allegro120 said:Bridlington1 said:
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.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.
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:Account Old rate New rate Date Aldermore Regular Saver Account Issue 1 5.25% NO CHANGE 03/09/24 Buckinghamshire BS Regular Saver 4.00% 3.75% 01/09/24 Buckinghamshire BS Regular Saver Locals 4.40% 4.15% 01/09/24 Coventry BS Children's Regular Saver 4.65% 4.40% 02/09/24 Coventry BS Colleague Regular Saver 5.50% 5.25% 02/09/24 Coventry BS First Home Saver 5.60% 5.35% 02/09/24 Coventry BS First Home Saver 5.60% 5.35% 02/09/24 Coventry BS First Home Saver (2) 5.05% 4.80% 02/09/24 Coventry BS Loyalty Regular Saver 7.00% 6.50% 02/09/24 Coventry BS Loyalty Regular Saver (2) 6.75% 6.50% 02/09/24 Coventry BS Regular Saver 5.05% 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 ISA 5.05% 4.80% 02/09/24 Darlington BS 12 Month RS 5.10% 5.10% 01/09/24 Darlington BS Green Regular Saver 4.20% 3.95% 01/09/24 Darlington BS High Days & Holidays Saver 4.15% 3.80% 01/09/24 Darlington BS regular esaver 4.20% 3.95% 01/09/24 Darlington BS regular saver 4.20% 3.95% 01/09/24 Darlington BS Special Occasion Saver 4.20% 3.95% 01/09/24 HRBS Regular Saver 30 Day Notice 5.25% 5.00% 24/08/24 HRBS Regular Saver 30 Day Notice 5.25% 5.00% 24/08/24 HRBS Regular Saver 30 Day Notice Issue 2 5.10% 4.85% 24/08/24 HRBS Regular Saver 30 Day Notice Issue 2 5.10% 4.85% 24/08/24 Leek BS Homebuyers Regular Savings 3.80% 3.55% 02/09/24 Leek BS Regular Saver Account Issue 1 & 2 3.80% 3.55% 02/09/24 Leek BS Regular Saver Account Issue 3 5.25% 5.00% 02/09/24 Mansfield BS Bonus Regular Savings Issue 8 6.10% 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 Saver 3.75% NO CHANGE 01/09/24 Natwest Digital Regular Saver (headline only) 6.17% 6.17% 29/08/24 Newbury Home Saver 4.25% 4.00% 12/09/24 Principality BS 1 Year Triple Access Regular Saver 6.00% 5.75% 12/09/24 Principality BS First Home Steps Account Issue 4 5.25% 5.00% 12/09/24 Principality BS First Home Steps Online Issue 3 5.25% 5.00% 12/09/24 RBS Digital Regular Saver (headline only) 6.17% 6.17% 29/08/24 Saffron BS 12 Month Members Regular Saver 5.50% 5.25% 30/08/24 Saffron BS Small Saver 5.75% 5.50% 30/08/24 Skipton Home Deposit Saver Issue 1 5.06% NO CHANGE 02/09/24 Stafford Railway BS Regular Saver 5.15% NO CHANGE 01/09/24 Suffolk BS Online 1 Year Variable Rate Regular Saver (30.09.2025) 5.15% NO CHANGE 02/09/24 Suffolk BS Variable Rate Regular Saver (31.05.2026) 5.00% NO CHANGE 02/09/24 Suffolk BS Variable Rate Regular Saver (31.12.2025) 5.00% NO CHANGE 02/09/24 Vernon Online Regular Saver 6.50% NO CHANGE 01/09/24 West Brom Access Regular Saver 3.60% 3.35% 16/09/24 YBS Christmas 2024 Regular Saver/eSaver 6.00% NO CHANGE 06/09/24 YBS First Home Saver/eSaver 5.00% 4.90% 06/09/24 YBS Loyalty 2023 Regular Saver/eSaver 7.00% NO CHANGE 06/09/24 YBS Loyalty Regular Saver/eSaver 5.75% NO CHANGE 06/09/24 YBS Regular Saver/eSaver 5.25% 5.05% 06/09/24 Coventry BS Loyalty Regular Saver 7.00% 6.50% 02/09/24. It is 6.75%.
AFAIK Tipton & Coseley haven't yet announced any savings rate decreases unless I've missed them? I'm only including those that have declared what they're doing to their savings rates since the BOE base rate cut (with the exception of the tracker accounts).simonsmithsays said:
Cross checking mine:Bridlington1 said:
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.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.
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:Account Old rate New rate Date Aldermore Regular Saver Account Issue 1 5.25% NO CHANGE 03/09/24 Buckinghamshire BS Regular Saver 4.00% 3.75% 01/09/24 Buckinghamshire BS Regular Saver Locals 4.40% 4.15% 01/09/24 Coventry BS Children's Regular Saver 4.65% 4.40% 02/09/24 Coventry BS Colleague Regular Saver 5.50% 5.25% 02/09/24 Coventry BS First Home Saver 5.60% 5.35% 02/09/24 Coventry BS First Home Saver 5.60% 5.35% 02/09/24 Coventry BS First Home Saver (2) 5.05% 4.80% 02/09/24 Coventry BS Loyalty Regular Saver 7.00% 6.50% 02/09/24 Coventry BS Loyalty Regular Saver (2) 6.75% 6.50% 02/09/24 Coventry BS Regular Saver 5.05% 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 ISA 5.05% 4.80% 02/09/24 Darlington BS 12 Month RS 5.10% 5.10% 01/09/24 Darlington BS Green Regular Saver 4.20% 3.95% 01/09/24 Darlington BS High Days & Holidays Saver 4.15% 3.80% 01/09/24 Darlington BS regular esaver 4.20% 3.95% 01/09/24 Darlington BS regular saver 4.20% 3.95% 01/09/24 Darlington BS Special Occasion Saver 4.20% 3.95% 01/09/24 HRBS Regular Saver 30 Day Notice 5.25% 5.00% 24/08/24 HRBS Regular Saver 30 Day Notice 5.25% 5.00% 24/08/24 HRBS Regular Saver 30 Day Notice Issue 2 5.10% 4.85% 24/08/24 HRBS Regular Saver 30 Day Notice Issue 2 5.10% 4.85% 24/08/24 Leek BS Homebuyers Regular Savings 3.80% 3.55% 02/09/24 Leek BS Regular Saver Account Issue 1 & 2 3.80% 3.55% 02/09/24 Leek BS Regular Saver Account Issue 3 5.25% 5.00% 02/09/24 Mansfield BS Bonus Regular Savings Issue 8 6.10% 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 Saver 3.75% NO CHANGE 01/09/24 Natwest Digital Regular Saver (headline only) 6.17% 6.17% 29/08/24 Newbury Home Saver 4.25% 4.00% 12/09/24 Principality BS 1 Year Triple Access Regular Saver 6.00% 5.75% 12/09/24 Principality BS First Home Steps Account Issue 4 5.25% 5.00% 12/09/24 Principality BS First Home Steps Online Issue 3 5.25% 5.00% 12/09/24 RBS Digital Regular Saver (headline only) 6.17% 6.17% 29/08/24 Saffron BS 12 Month Members Regular Saver 5.50% 5.25% 30/08/24 Saffron BS Small Saver 5.75% 5.50% 30/08/24 Skipton Home Deposit Saver Issue 1 5.06% NO CHANGE 02/09/24 Stafford Railway BS Regular Saver 5.15% NO CHANGE 01/09/24 Suffolk BS Online 1 Year Variable Rate Regular Saver (30.09.2025) 5.15% NO CHANGE 02/09/24 Suffolk BS Variable Rate Regular Saver (31.05.2026) 5.00% NO CHANGE 02/09/24 Suffolk BS Variable Rate Regular Saver (31.12.2025) 5.00% NO CHANGE 02/09/24 Vernon Online Regular Saver 6.50% NO CHANGE 01/09/24 West Brom Access Regular Saver 3.60% 3.35% 16/09/24 YBS Christmas 2024 Regular Saver/eSaver 6.00% NO CHANGE 06/09/24 YBS First Home Saver/eSaver 5.00% 4.90% 06/09/24 YBS Loyalty 2023 Regular Saver/eSaver 7.00% NO CHANGE 06/09/24 YBS Loyalty Regular Saver/eSaver 5.75% NO CHANGE 06/09/24 YBS Regular Saver/eSaver 5.25% 5.05% 06/09/24
Tipton - no changeBeehive - no changeNotts seasonal saver issue 5 - no changeHanley Branch - no change
Beehive's regular savers were fixed IIRC so these haven't been included.
When are Nottingham BS's savings rates due to decrease? I can't seem to find any info on it yet?
HEBS has been added to the list as I seem to recall reading on this thread that they were reducing some of their savings rates from 1/9/24 but the Online RS was omitted.2 -
Does anyone know where I can find Principality's changes of No Longer Availables? Their website says they've been through everything, and are changing variable rates on 12th September, but I cannot find a list of past issues.
I have the original Learner Earner which is currently 5.75%, plus a NLA ISAI consider myself to be a male feminist. Is that allowed?0 -
On the PDF on the YBS website it does state Loyalty Regular eSaver no change 5.75%, but the Loyalty Regular Saver is listed as reducing to 5.65%.Bridlington1 said:YBS Loyalty Regular Saver/eSaver 5.75% NO CHANGE 06/09/24
Just a hunch but I suspect the Loyalty Regular eSaver no change might be an error, as it is the only online version of the currently available to open in branch/by post accounts that is listed as going to have a different interest rate to the open in branch/by post versions.
Also, I checked the PDF this morning soon after refluxer posted that YBS had updated their links on the website and the version I looked at earlier hadn't updated any of the online versions of the currently available to open in branch/by post accounts (First Home eSaver, Loyalty Regular eSaver, Online Rainy Day Account Issue 2 and Regular eSaver), but when I looked later it had been altered to update these. I'm thinking they maybe altered these in a hurry and made an error.
As I said just a hunch, but I expect we'll get emails at some point this week so I'll see if my hunch proves right or wrong then.1 -
I couldn't find anything about these on their website either. I'll give them a ring tomorrow around dinner time unless further info appears before then.surreysaver said:Does anyone know where I can find Principality's changes of No Longer Availables? Their website says they've been through everything, and are changing variable rates on 12th September, but I cannot find a list of past issues.
I have the original Learner Earner which is currently 5.75%, plus a NLA ISA
Well spotted and thanks for bringing it to my attention. For now I've updated my post to show the 5.75% Loyalty eSaver as having no change and the branch/post version as reducing to 5.65% in line with the pdf on the BOE Base Rate Change section of their website. I'll of course update it if new info emerges.ni_saver said:
On the PDF on the YBS website it does state Loyalty Regular eSaver no change 5.75%, but the Loyalty Regular Saver is listed as reducing to 5.65%.Bridlington1 said:YBS Loyalty Regular Saver/eSaver 5.75% NO CHANGE 06/09/24
Just a hunch but I suspect the Loyalty Regular eSaver no change might be an error, as it is the only online version of the currently available to open in branch/by post accounts that is listed as going to have a different interest rate to the open in branch/by post versions.
Also, I checked the PDF this morning soon after refluxer posted that YBS had updated their links on the website and the version I looked at earlier hadn't updated any of the online versions of the currently available to open in branch/by post accounts (First Home eSaver, Loyalty Regular eSaver, Online Rainy Day Account Issue 2 and Regular eSaver), but when I looked later it had been altered to update these. I'm thinking they maybe altered these in a hurry and made an error.
As I said just a hunch, but I expect we'll get emails at some point this week so I'll see if my hunch proves right or wrong then.3 -
Furness BS Christmas Saver is staying at 6% as far as I can see.
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Though AFAIK they haven't announced any rate decreases yet so are still in the ``yet to declare" category, along with Leeds, Nationwide, Bath, Cambridge and Penrith among others.drphila said:Furness BS Christmas Saver is staying at 6% as far as I can see.2 -
I followed the process as outlined here on this MSE Forum:masonic said:DJDools said:
The same happened to me; and there was no way around for the BoS. I couldn't renew it (even though the option was there — it just wouldn't let me renew) and had withdrawn £1,750…So I had to begin again the next qualifying month with the £250 regular SO.granta said:Bank of Scotland Regular Saver - renewal
I've been able to use the 'renewal' process successfully to close and re-open my Lloyds and Halifax regular savers. However, this approach doesn't work for the BoS one. I just keep getting the 'something's gone wrong' page after trying many times on both the Halifax and BoS online pages whilst logged in.
Is this other people's experiences or is there a way around this please?That doesn't sound like the correct process, as you should not need to withdraw anything until you've successfully "upgraded" to an easy access saver. At that point you don't hold a RS, and as far as the system is concerned never did, so you can apply for a new one with or without withdrawing from your upgraded account.Edit: or, as chris_the_bee points out upthread, for BoS you need to fully close the account and wait until the next morning to open a new one.It didn't work for me.0 -
That's what I ended up having to do. So now I have three months left before it matures and only £250 in it. Ah well...granta said:
I can't seem to close or renew it either! So will just start funding it again and wait it out.DJDools said:
The same happened to me; and there was no way around for the BoS. I couldn't renew it (even though the option was there — it just wouldn't let me renew) and had withdrawn £1,750…So I had to begin again the next qualifying month with the £250 regular SO.granta said:Bank of Scotland Regular Saver - renewal
I've been able to use the 'renewal' process successfully to close and re-open my Lloyds and Halifax regular savers. However, this approach doesn't work for the BoS one. I just keep getting the 'something's gone wrong' page after trying many times on both the Halifax and BoS online pages whilst logged in.
Is this other people's experiences or is there a way around this please?0 -
That's not a process I have ever used or seen before. It is not the usual method as I understand it. Most people start from step 2, then there is no risk if it doesn't work.DJDools said:
I followed the process as outlined here on this MSE Forum:masonic said:DJDools said:
The same happened to me; and there was no way around for the BoS. I couldn't renew it (even though the option was there — it just wouldn't let me renew) and had withdrawn £1,750…So I had to begin again the next qualifying month with the £250 regular SO.granta said:Bank of Scotland Regular Saver - renewal
I've been able to use the 'renewal' process successfully to close and re-open my Lloyds and Halifax regular savers. However, this approach doesn't work for the BoS one. I just keep getting the 'something's gone wrong' page after trying many times on both the Halifax and BoS online pages whilst logged in.
Is this other people's experiences or is there a way around this please?That doesn't sound like the correct process, as you should not need to withdraw anything until you've successfully "upgraded" to an easy access saver. At that point you don't hold a RS, and as far as the system is concerned never did, so you can apply for a new one with or without withdrawing from your upgraded account.Edit: or, as chris_the_bee points out upthread, for BoS you need to fully close the account and wait until the next morning to open a new one.It didn't work for me.
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they have a pdf download of rates for NLA accounts, but it hasn't been updated since last month.surreysaver said:Does anyone know where I can find Principality's changes of No Longer Availables? Their website says they've been through everything, and are changing variable rates on 12th September, but I cannot find a list of past issues.
I have the original Learner Earner which is currently 5.75%, plus a NLA ISA
Interest Rates for Accounts closed (principality.co.uk)
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