Regular Savings Accounts: The Best Currently Available List!

janusd

Bigwheels1111 said:

kippo1 said:

Principality has a 7% christmas saver if anybody is interested

https://www.principality.co.uk/home/savings/savings-accounts/christmas-2025-regular-saver-bond

I hope its still there next week, I want to open TSB, Gatehouse and this on the 31st.

Then make payment on the 1st again

you've got 5 days after opening to fund it with £1 - any reason why you couldn't open it today, deposit £1 in those five days, and then add £124 next Thursday & £125 on Friday ?

pecunianonolet

Does the interest calculation start from the day of opening the account or from the day of first funding (like Coop)? I guess the former but would be good if anyone could confirm.

Kim_13

Bigwheels1111 said:

kippo1 said:

Principality has a 7% christmas saver if anybody is interested

https://www.principality.co.uk/home/savings/savings-accounts/christmas-2025-regular-saver-bond

I hope its still there next week, I want to open TSB, Gatehoue and this on the 31st.

Then make payment on the 1st again

Considered waiting but as applying today would mean maturity on a Friday and time to utilise October 2025’s RS allowances with the proceeds if needed, I went ahead. Don’t want to lose my nerve tomorrow or Saturday, although it’s usually picked up here in advance when Principality are going to pull an account. 

Oddly for Principality of late, they didn’t ask for details of a nominated account during application.

chris_the_bee

pecunianonolet said:

Does the interest calculation start from the day of opening the account or from the day of first funding (like Coop)? I guess the former but would be good if anyone could confirm.

They can't pay interest until you fund it.

Kim_13

chris_the_bee said:

pecunianonolet said:

Does the interest calculation start from the day of opening the account or from the day of first funding (like Coop)? I guess the former but would be good if anyone could confirm.

They can't pay interest until you fund it.

Did you possibly mean when does the term start? That is date of opening, it showed as such on the online portal while still awaiting funding.

ThePirates

Lloyds Club Regular Saver

Does this have to be funded by Standing Order or can you add to it whenever you like?

surreysaver

ThePirates said:

Lloyds Club Regular Saver

Does this have to be funded by Standing Order or can you add to it whenever you like?

Whenever you like

saverkev

ThePirates said:

Lloyds Club Regular Saver

Does this have to be funded by Standing Order or can you add to it whenever you like?

Can fund it whenever you like - I  have been doing so for a while

where_are_we

New Principality Xmas 25 RS @7% £125/month - no 13 payments because £1500 maximum in account. Fix is good but no withdrawals, however you can close the RS and get interest applicable up to that date. Also you do not have to make monthly payments. I may go over my personal savings allowance for 25-26 but 7% is equivalent to 5.6% fixed so still a good rate for a 20% tax payer who has to pay tax on the interest.

I probably shouldn`t praise Principality for not making it mandatory to open information in another window but it makes the process quicker.

NorwichMan

Just tried to open the principality Christmas account, but was blocked because I already have the 8% RS and they say I must activate this before I can open any other accounts. I thought I had already activated but it seems not. Now I must wait up to five working days to receive a new code in the post before I can activate. Hopefully the Christmas regular saver is still available in a week...