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Regular Savings Accounts: The Best Currently Available List!
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Refluxer beat you to the YBS info.Wheres_My_Cashback said:YBS have also now updated their rates - Changes from 6th Sept
https://www.ybs.co.uk/documents/productdata/YBM1607RC.pdf
NLA
Xmas RS 2024 - 6% - No change
Loyalty RS 2023 - 7% - No change
Loyalty Reg eSaver - 5.75% - No change
On sale
Loyalty RS - 5.75% to 5.65%
RS - 5.25% to 5.05%
First Home Saver - 5.00% to 4.90%
Haven't been able to get into the YBS app since yesterday - anyone else ?
Don't recall seeing this reported ?
CO-OP RS1 - 7% - No change
YBS app works as it usually does, think they did some routine maintenance0 -
I too have just received my fourth email (of five).Wheres_My_Cashback said:
I have five accounts with Cov of which 4 have been notified to me so far at various times from 0721 to 1010.wiseonesomeofthetime said:
I hold the first edition First Home Saver, however, despite having an email from Coventry BS this morning about reducing the rate on my EA account, I have had no formal notification of a reduction to First Home Saver (1), despite having five-figure sum in there!Bridlington1 said:Coventry BS Rate Decreases From 2/9/24:
NLA:
Loyalty Regular Saver (2) from 6.75% to 6.5%
First Home Saver from 5.6% to 5.35%
The only one missing is the FHS 1,but thy still have the rest of the day to inform.
I do hope some sales rep has spotted this opportunity to flog CovBS some mail-merge software.5 -
I'm afraid I beat you to it a week or two back.OneUser1 said:Just been notified the Leek Regular Saver Issue 3 drops from 5.25% down to 5% from 2nd September.
Was mentioned by @Hattie627 over 2 weeks ago.Wheres_My_Cashback said:Don't recall seeing this reported ?
CO-OP RS1 - 7% - No change
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.
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And the fated email has arrived, confirming the drop 🤦♂️🤣Wheres_My_Cashback said:
I have five accounts with Cov of which 4 have been notified to me so far at various times from 0721 to 1010.wiseonesomeofthetime said:
I hold the first edition First Home Saver, however, despite having an email from Coventry BS this morning about reducing the rate on my EA account, I have had no formal notification of a reduction to First Home Saver (1), despite having five-figure sum in there!Bridlington1 said:Coventry BS Rate Decreases From 2/9/24:
NLA:
Loyalty Regular Saver (2) from 6.75% to 6.5%
First Home Saver from 5.6% to 5.35%
The only one missing is the FHS 1,but thy still have the rest of the day to inform.0 -
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.2
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Out of my current list of RS I believe my lowest rate is 7%, I did have T&C at 5.75% which recently matured but they had a high monthly deposit which was the attraction. I'd probably take one at 5.5% too.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.2 -
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.1
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All these accounts are existing examples and have been discussed at length previously. Most posters here who want them will already have them.However possibly some will appreciate a reminder of some of the best FIXED rate Regular Savers still available. If you didn’t open them before maybe they are worth a second look before it’s too late?
Skipton have a Loyalty Regular Saver paying 7% fixed
Principality have an 8% fixed Regular Saver
West Brom have a 6% fixed Regular Saver
Cambridge have a Loyalty 6% fixed Regular Saver (plus a 5% Loyalty Regular Saver for those with only a single year’s loyalty.)
Virgin have a 10% fixed Regular Saver for Current Account holders
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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% 6.75% 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 Hanley Economic Online Regular Saver 5.50% NO CHANGE 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 a4 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 Dylan Young Saver 4.00% 3.75% 12/09/24 Principality BS First Home Steps Account 5.25% 5.00% 12/09/24 Principality BS First Home Steps Account Issue 2 5.25% 5.00% 12/09/24 Principality BS First Home Steps Account Issue 3 5.25% 5.00% 12/09/24 Principality BS First Home Steps Account Issue 4 5.25% 5.00% 12/09/24 Principality BS First Home Steps Online 5.25% 5.00% 12/09/24 Principality BS First Home Steps Online Issue 2 5.25% 5.00% 12/09/24 Principality BS First Home Steps Online Issue 3 5.25% 5.00% 12/09/24 Principality BS Gift Saver 4.60% 4.35% 12/09/24 Principality BS Learner Earner (Issue 1 & 2) 5.75% 5.50% 12/09/24 Principality BS Learner Earner Issue 3 4.70% 4.45% 12/09/24 Principality BS NHS Thank You Online Saver 4.20% 3.95% 12/09/24 Principality BS NHS Thank You Saver 4.20% 3.95% 12/09/24 Principality BS School Staff Saver 4.45% 4.20% 12/09/24 Principality BS Thank You Online Saver (Issues 1 to 4) 4.45% 4.20% 12/09/24 Principality BS Thank You Saver (Issues 1 to 4) 4.45% 4.20% 12/09/24 Progressive BS Online Regular Rainy Day Saver 7.00% NO CHANGE 02/09/24 RBS Digital Regular Saver (headline only) 6.17% 6.17% 29/08/24 Saffron BS 12 Month Members Regular Saver 5.25% 5.00% 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 Holiday Saver 5.15% 4.90% 02/09/24 Suffolk BS Online 1 Year Variable Rate Regular Saver (30.09.2025) 5.15% NO CHANGE 02/09/24 Suffolk BS Smart Save Monthly Saver 5.15% 4.90% 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 eSaver 5.75% 5.65% 06/09/24 YBS Loyalty Regular Saver 5.75% 5,65% 06/09/24 YBS Regular Saver/eSaver 5.25% 5.05% 06/09/24
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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.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.
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.2
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