Regular Savings Accounts: The Best Currently Available List!

Special_Saver2

Hi Everybody,

- Stafford BS Regular Saver (Issue 1) renamed as Stafford Railway BS have renamed to Stafford BS

- Market Harborough Fixed Term Regular Saver (30.11.2025) added paying 6% on up to £250 per month until 30th November 2025, must be opened in branch, no withdrawals allowed, they may prohibit further deposits into this product at any time. When they do this, they will update the relevant section within the ‘Current interest rates for withdrawn products’ page of mhbs.co.uk. They will not personally notify you when they do this.

- Coventry BS Sunny Day Saver removed as no longer available

- Leeds BS Regular Saver (Issue 57) updated from issue 56 with a new maturity date of 5th October 2026

- Bath BS 16-25 Regular Saver interest rate reduced to 7.29% gross p.a.

- HSBC Regular Saver Account interest rate reduced from 7% to 5% gross p.a. fixed for new applicants

- Santander Regular eSaver Account (Issue 19) updated from issue 18 without any changes compared to issue 18 as far as I can see

I will do the next update within the next 2 weeks.

SS2

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For those new to this thread, the first few posts are regularly updated and are on the first page
https://forums.moneysavingexpert.com/discussion/6106986/regular-savings-accounts-the-best-currently-available-list/p1

friolento

Emily_Joy said:

wmb194 said:

Emily_Joy said:

Monmouthshire BS - online withdrawal facility

Upon adding a current account for withdrawals I've received a letter by snail mail asking me to confirm the account details and an evidence in a form of original bank statement. I presume the statement should be for the account in question. The problem is of course that I've registered for online statements ages ago. Am I right in thinking that statements from online banking don't count as original? Are there any known workarounds?

Which bank? You can often request one off paper copies free of charge.

Lloyds. When I try to order a statement online I get a message: We're sorry, but the statement sheet you requested can't be ordered online. Please contact your nearest branch to order.

I can download or print a PDF statement for my Lloyds current account. I am sure you can use this for Monmuthshire BS. Don’t you have this option? 

Emily_Joy

friolento said:

Emily_Joy said:

wmb194 said:

Emily_Joy said:

Monmouthshire BS - online withdrawal facility

Upon adding a current account for withdrawals I've received a letter by snail mail asking me to confirm the account details and an evidence in a form of original bank statement. I presume the statement should be for the account in question. The problem is of course that I've registered for online statements ages ago. Am I right in thinking that statements from online banking don't count as original? Are there any known workarounds?

Which bank? You can often request one off paper copies free of charge.

Lloyds. When I try to order a statement online I get a message: We're sorry, but the statement sheet you requested can't be ordered online. Please contact your nearest branch to order.

I can download or print a PDF statement for my Lloyds current account. I am sure you can use this for Monmuthshire BS. Don’t you have this option? 

Last time OH tried to use statements printed in branch or at home, they were rejected as non-original. On the grounds that home-printed can be altered using e.g., Photoshop and "Before printing the statement in a branch you could have changed your address to anything". Only statements delivered by Snail Mail were acceptable. 

friolento

Emily_Joy said:

friolento said:

Emily_Joy said:

wmb194 said:

Emily_Joy said:

Monmouthshire BS - online withdrawal facility

Upon adding a current account for withdrawals I've received a letter by snail mail asking me to confirm the account details and an evidence in a form of original bank statement. I presume the statement should be for the account in question. The problem is of course that I've registered for online statements ages ago. Am I right in thinking that statements from online banking don't count as original? Are there any known workarounds?

Which bank? You can often request one off paper copies free of charge.

Lloyds. When I try to order a statement online I get a message: We're sorry, but the statement sheet you requested can't be ordered online. Please contact your nearest branch to order.

I can download or print a PDF statement for my Lloyds current account. I am sure you can use this for Monmuthshire BS. Don’t you have this option? 

Last time OH tried to use statements printed in branch or at home, they were rejected as non-original. On the grounds that home-printed can be altered using e.g., Photoshop and "Before printing the statement in a branch you could have changed your address to anything". Only statements delivered by Snail Mail were acceptable. 

I don’t know how they could tell whether you printed the statement, or whether the bank did. I have been using self-printed versions of PDF statements for years. It’s been several years since I set up my nominated account at Monmouthshire, and whilst I can’t remember whether I sent them a paper copy or the actual PDF, I am sure they didn’t get a statement printed by a bank. Just send them what you have.

As an aside, I usually use Starling when I need to provide a bank statement, as they let me create a certified one. Such statements have always been accepted everywhere, even by NS&I who are generally very old-fashioned.

Emily_Joy

friolento said:

Emily_Joy said:

Last time OH tried to use statements printed in branch or at home, they were rejected as non-original. On the grounds that home-printed can be altered using e.g., Photoshop and "Before printing the statement in a branch you could have changed your address to anything". Only statements delivered by Snail Mail were acceptable. 

As an aside, I usually use Starling when I need to provide a bank statement, as they let me create a certified one. Such statements have always been accepted everywhere, even by NS&I who are generally very old-fashioned.

Thank you - that's good to know. I usually use my Lloyds account for withdrawals, and I imagine they need a statement for the account given to them. But I will try to print pdf and to convince my branch to order a printed statement.

Edit to add: online statements that one could get from Lloyds look very different to those that arrive by post.

masonic

Emily_Joy said:

friolento said:

Emily_Joy said:

wmb194 said:

Emily_Joy said:

Monmouthshire BS - online withdrawal facility

Upon adding a current account for withdrawals I've received a letter by snail mail asking me to confirm the account details and an evidence in a form of original bank statement. I presume the statement should be for the account in question. The problem is of course that I've registered for online statements ages ago. Am I right in thinking that statements from online banking don't count as original? Are there any known workarounds?

Which bank? You can often request one off paper copies free of charge.

Lloyds. When I try to order a statement online I get a message: We're sorry, but the statement sheet you requested can't be ordered online. Please contact your nearest branch to order.

I can download or print a PDF statement for my Lloyds current account. I am sure you can use this for Monmuthshire BS. Don’t you have this option? 

Last time OH tried to use statements printed in branch or at home, they were rejected as non-original. On the grounds that home-printed can be altered using e.g., Photoshop and "Before printing the statement in a branch you could have changed your address to anything". Only statements delivered by Snail Mail were acceptable. 

Well that's as it should be, but I too am quite surprised it is being enforced somewhere. Bank statements don't generally contain security features that would defeat forgery, although some are printed on paper that is of such low quality it would be difficult to obtain.

The last few times I have been asked for such documents, I've been able to upload the original PDF, which if digitally signed (many are not) would be more tamper-proof than any printed statement.

BestSeagull

Original bank statements. I find it worthwhile to keep paper statements for the account I most often use as my linked account. It means I always have one ready, should the need arise. 

pecunianonolet

I asked Monmouthshire BS a while back via secure message if a statement is really required and if they can send me a pre paid envelope in this case of if they can provide me an opportunity to securely upload a digital file. The response was they are happy to verify the details I provided electronically and that I don't have to send anything. 

Emily_Joy

pecunianonolet said:

I asked Monmouthshire BS a while back via secure message if a statement is really required and if they can send me a pre paid envelope in this case of if they can provide me an opportunity to securely upload a digital file. The response was they are happy to verify the details I provided electronically and that I don't have to send anything. 

They sent me a letter asking me to confirm current account details, that I need to sign and to send back without a prepaid envelope.

pecunianonolet

Emily_Joy said:

pecunianonolet said:

I asked Monmouthshire BS a while back via secure message if a statement is really required and if they can send me a pre paid envelope in this case of if they can provide me an opportunity to securely upload a digital file. The response was they are happy to verify the details I provided electronically and that I don't have to send anything. 

They sent me a letter asking me to confirm current account details, that I need to sign and to send back without a prepaid envelope.

Yes, had the same letter and did what I described above and it worked.