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Regular Savings Accounts: The Best Currently Available List!
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I've finally got my email off the Principality. It mentions my ISA and my Triple Access Regular, but no mention is made of my Learner Earner (Issue 1)Bridlington1 said:
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 I consider myself to be a male feminist. Is that allowed?0 -
Just got another email about the Learner Earner!surreysaver said:
I've finally got my email off the Principality. It mentions my ISA and my Triple Access Regular, but no mention is made of my Learner Earner (Issue 1)Bridlington1 said:
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 I consider myself to be a male feminist. Is that allowed?0 -
Good news: I received in this morning's post the Mon BS Exclusive RS signature form and account details. Having applied online only yesterday afternoon. And I don't live anywhere near Wales.Hattie627 said:Those of us who have applied today for the new Mon BS Exclusive RS and are awaiting the signature form and account details:- I think we will be lucky to get the first payment in by the end of the month but we shall see.
As someone pointed out upthread, Mon BS account-opening procedures are not the quickest, so it is best to be aware of this and be patient. They get there in the end.
Although the 6% rate is variable, I reckon that it will be maintained for the full year unless there is more than one base rate drop between now and then. So definitely worth having this account, IMHO.
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Thats good to hear. I applied this morning so should be able to fund before the end of the month. I’m only a few miles from the Welsh border😉JamesRobinson48 said:
Good news: I received in this morning's post the Mon BS Exclusive RS signature form and account details. Having applied online only yesterday afternoon. And I don't live anywhere near Wales.Hattie627 said:Those of us who have applied today for the new Mon BS Exclusive RS and are awaiting the signature form and account details:- I think we will be lucky to get the first payment in by the end of the month but we shall see.
As someone pointed out upthread, Mon BS account-opening procedures are not the quickest, so it is best to be aware of this and be patient. They get there in the end.
Although the 6% rate is variable, I reckon that it will be maintained for the full year unless there is more than one base rate drop between now and then. So definitely worth having this account, IMHO.0 -
MonBs
Hello.
I just managed to open the Regular saving (issue 3 ) 4.75% a week or so before the newer issue was live.
But now they have this Exclusive RS do you think it worth it to ditch and switch to this one.
BTW I'm only funded it to 150 per month.0 -
Were you with Monmouthshire on/before/after they launched the 6% account?[Deleted User] said:MonBs
Hello.
I just managed to open the Regular saving (issue 3 ) 4.75% a week or so before the newer issue was live.
But now they have this Exclusive RS do you think it worth it to ditch and switch to this one.
BTW I'm only funded it to 150 per month.1 -
On the 14th of this month my first monies were in account.jameseonline said:
Were you with Monmouthshire on/before/after they launched the 6% account?[Deleted User] said:MonBs
Hello.
I just managed to open the Regular saving (issue 3 ) 4.75% a week or so before the newer issue was live.
But now they have this Exclusive RS do you think it worth it to ditch and switch to this one.
BTW I'm only funded it to 150 per month.0 -
You qualify for opening the account it would seem.[Deleted User] said:
On the 14th of this month my first monies were in account.jameseonline said:
Were you with Monmouthshire on/before/after they launched the 6% account?[Deleted User] said:MonBs
Hello.
I just managed to open the Regular saving (issue 3 ) 4.75% a week or so before the newer issue was live.
But now they have this Exclusive RS do you think it worth it to ditch and switch to this one.
BTW I'm only funded it to 150 per month.
But then if you close your existing account would that invalidate you being able to have the new one?.
I don't know, maybe contact them or keep your current one, don't fund it anymore and wait for that to mature, in the meantime open the 6%, and concentrate on funding that going forward.
I'm not sure what else to saying regards to Monmouthshire because I've never really had much of a relationship with them, hopefully someone else can advise better.
Also I'm a bit concerned as to why you opened a 4.75% regular in the 1st place tbh.
You seem to be opening quite a few accounts recently too.
You won't get the best interest if you don't max regular savings accounts each month AND if you aren't funding the best regulars it's going to be even worse for you.
Further points:
The best regular currently is 10% with Virgin and your current Monmouthshire one is a 4.75%
What you could have done is open an easy access saver with Monmouthshire funded it with a lot less than you put in the 4.75% regular & still be eligible for that 6% and you would have more money to use for funding things.
You have easy access accounts paying 5.08% in the case of Cahoot on upto £3000, Santander Edge Saver 6% on upto £4000, both paying monthly so a 4.75% regular is pretty pointless tbh1 -
Santander Edge Saver is now 4.41 from 17/8 (up to 4k)0
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You can close and set a new one up though unless I've missed something?castle96 said:Santander Edge Saver is now 4.41 from 17/8 (up to 4k)0
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