We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!
Regular Savings Accounts: The Best Currently Available List!
Comments
-
I have the Yorkshire Loyalty Regular eSaver 2023 and the Yorkshire Christmas Regular eSaver 2024. I applied for both either online or via their app.jameseonline said:Out of interest does anyone know why you can't apply online for YBS Regulars etc?, only by post/branch, like have they actually given reasons?, are new things launching?🤔0 -
You can't currently apply for any regulars online it's either post or branch only.HHUK said:
I have the Yorkshire Loyalty Regular eSaver 2023 and the Yorkshire Christmas Regular eSaver 2024. I applied for both either online or via their app.jameseonline said:Out of interest does anyone know why you can't apply online for YBS Regulars etc?, only by post/branch, like have they actually given reasons?, are new things launching?🤔
I've got the two you mentioned plus a 5.75% Loyalty Regular.0 -
Thanks for waking them up 😒Bridlington1 said:I've spoken to Principality.They had no info on their NLA accounts but have since sent me an email saying all accounts will reduce by 0.25%
Just got my email. Reduction wef 12 September 2024 (easy access though, not a RS)0 -
Another typo I'm afraid, it seems standards are starting to slip these days. Now updated, apologies for the misinformation.fabsaver said:
According to their website the Saffron BS 12 Month Members Regular Saver is reducing from 5.25% to 5.00% on 30 August 2024.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% 6.75% 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 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 eSaver 5.75% NO CHANGE 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
https://www.saffronbs.co.uk/savings/regular-savers/12-month-members-regular-saver
You currently have it listed as reducing from 5.50% to 5.25%. Is it the same account or an earlier version?
I've updated my post to include a screenshot of the email I received which states this. I was typing that one with around a minute to go until the end of my break at work (info was delayed due to Principality phone line issues that repeatedly put me through to mortgages) so I'm afraid I didn't have chance to work out how to add screenshots onto the forum directly from my phone (will experiment later on for future reference).DJDools said:
For variable rate accounts only. I only have one variable rate with Principality so I guess I'll be getting an email soon about that one.Bridlington1 said:I've spoken to Principality.They had no info on their NLA accounts but have since sent me an email saying all accounts will reduce by 0.25%
Additionally I've now added the Principality rate reductions to the list. These are as follows (unless I've missed any off or made typos):Account Old rate New rate Date 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
10 -
Might be worth noting this with YBS:
2 -
I have multiple accounts with YBS and all have been opened online. I wonder if it’s a new thing?jameseonline said:Out of interest does anyone know why you can't apply online for YBS Regulars etc?, only by post/branch, like have they actually given reasons?, are new things launching?🤔#660 -
When I look at the Monmouthshire Website I’m seeing Issue 4 Regular Saver at 4.5% being offered. Variable rate and £350 maximum deposit per month.schiff said:
Their Issue 3 RS at 4.75% is also NLA so they have no RSs at all on offer now. Which I think supports your expectations!ircE said:As I remember, Monmouthshire BS' RSAs were launched at their AGM last year. This year the AGM is next Wednesday...0 -
Probably with a view for it to stay available for a long time. I can't imagine 4.5% RS offer to become competitive any time soon.OneUser1 said:
When I look at the Monmouthshire Website I’m seeing Issue 4 Regular Saver at 4.5% being offered. Variable rate and £350 maximum deposit per month.schiff said:
Their Issue 3 RS at 4.75% is also NLA so they have no RSs at all on offer now. Which I think supports your expectations!ircE said:As I remember, Monmouthshire BS' RSAs were launched at their AGM last year. This year the AGM is next Wednesday...0 -
33
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.9K Banking & Borrowing
- 253.9K Reduce Debt & Boost Income
- 454.7K Spending & Discounts
- 246K Work, Benefits & Business
- 602.1K Mortgages, Homes & Bills
- 177.8K Life & Family
- 259.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards