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Regular Savings Accounts: The Best Currently Available List!
Comments
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Gatehouse RS2 T&Cs changed to:Maximum you can save is £3,600 in 12 months (with profit paid to the account when it matures at the end of the term.)
https://gatehousebank.com/personal/savings/regular-saver/our-regular-saver-account-issue-two
On the ball with the update.
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Aldermore 5.25 RS NLA
--**MONEYFACTS**-- FULL List of Money Comparison Products + News / Guides--Personal MSE 2026 Money Saving Challenges:# Regular Savers 2026- New 9/12 - Total: 31 (6)# No.2 Save 1p A Day Challenge 2026 £355.02 / £667.95 (6)# No.4 Save £12k in 2026 - £8492.37 / £12,000 (6)# £10-a-Day Challenge 2026 - £710.56 / £1825 (6)# No.8 Sealed Pot Challenge 19 (22/10) 426 / £400 (6)# No.27 - Top Up EP 2 £1255 / £2880 (6).# Decluttering Challenge (6)# No.4 £2 Savers Club 2026 - Completed# No.5 Fiver Friday Challenge 2026 - Completed# Make £2026 in 2026 - Completed# Spectos Mailagent - ReadyMotto: 'SAVE before you spend on Non-essentials'5 -
Couldn't agree more. I've been busy yesterday and today thanks to a number of posts on this thread.veggieblob said:
Thanks so much for the very helpful posts on here. I would never have thought of extending Skipton and Principality even though I've done similar with LBG. Such a help to those of us trying to make our savings pot last as long as possible2 -
Can someone remind me of the rule of thumb as to when renewing a fixed reg saver is more lucrative than leaving it to mature? The rate that the removed funds can earn is an obvious variable in the equation.apt said:
It does say that, but they don't enforce it. Easy to close and reopen online.Stargunner said:
Have you not had a Club Lloyds monthly saver in the last 12 months, because according to their t&c’s you cant reopen another one within a 12 months period.Speculator said:Just opened Lloyds monthly @ 5.25%. Also, renewed and reopened the club lloyds monthly.
Rate on both is fixed and allows unlimited withdrawals.
My Club RS has 6 mths-worth of deposits.0 -
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On my way to do my weekly Aldi shop today (in Stockport where their HO is) I passed a brightly lit neon sign advertising just that! it's been there for some time.Bridlington1 said:
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As advertised:Bridlington1 said:Given that many found it useful last time the BOE base rate dropped I shall once again be maintaining a list of all regular savers that have announced rate reductions since the BOE base rate reduction from 5% to 4.75%.
I shall post a list of those that have announced reductions so far in this thread which shall be maintained with a link to it in the archived list of regular savers thread for ease of reference later this evening.
Regular Saver Interest Rate Reductions Since BOE Base Rate Cut From 5% to 4.75% On 7/11/24:Account Old rate New rate Date Aldermore Regular Saver Account Issue 1 5.25% 5.00% 06/12/24 Bath BS 16-25 Regular Saver 7.29% 7.09% 03/01/25 Bath BS Homestart Regular Saver 4.74% 4.54% 03/01/25 Bath BS The Regular Saver 4.24% 4.04% 03/01/25 Buckinghamshire BS Regular Saver 3.75% 3.40% 01/12/24 Buckinghamshire BS Regular Saver Locals 4.15% 3.80% 01/12/24 Chorley BS Regular Saver (all issues) 5.15% NO CHANGE 04/12/24 Co-operative Bank Regular Saver 7.00% NO CHANGE 22/01/25 Coventry BS Children's Regular Saver 4.40% 4.15% 03/12/24 Coventry BS Colleague Regular Saver 5.25% 5.00% 03/12/24 Coventry BS First Home Saver 5.35% 5.10% 03/12/24 Coventry BS First Home Saver (2) 4.80% NO CHANGE 02/12/24 Coventry BS Loyalty Mortgage RS 6.00% NO CHANGE 02/12/24 Coventry BS Loyalty Regular Saver 6.75% 6.50% 03/12/24 Coventry BS Loyalty Regular Saver (2) 6.50% 6.25% 03/12/24 Coventry BS Regular Saver 4.80% 4.55% 03/12/24 Coventry BS Regular Saver (5) 5.25% 5.00% 03/12/24 Coventry BS Regular Saver (6) 4.75% NO CHANGE 03/12/24 Coventry BS Regular Saver ISA 4.80% 4.55% 03/12/24 Coventry BS Sunny Day Saver 6.25% NO CHANGE 02/12/24 Coventry BS Young Saver 5.00% 4.75% 02/12/24 Cumberland BS Cumberland Regular Saver 5.20% 5.00% 07/01/25 Cumberland BS First Home Saver – Issue 2 4.30% 4.10% 07/01/25 Dudley BS One Year Regular Saver Issue 8 4.15% 3.80% Ecology BS Regular Savings Account 4.25% 3.85% 18/12/24 ESBS Regular Monthly Saver 4.30% 4.05% 09/12/24 Hanley Economic Branch Regular Saver 2.20% 2.10% 01/12/24 Hanley Economic Online Regular Saver 5.50% 5.00% 01/12/24 Hanley Economic Regular Saver 2.25% 2.00% 01/12/24 HRBS Regular Saver 30 Day Notice 5.00% 4.75% 29/11/24 HRBS Regular Saver 30 Day Notice Issue 2 4.85% 4.60% 29/11/24 Leeds BS Home Deposit Saver 5.15% 5.05% 24/12/24 Leeds BS Regular Saver (Issue 33-54 & 56-57) 5.10% 4.95% 24/12/24 Leeds BS Regular Saver Issue 55 5.25% 5.10% 24/12/24 Leek BS Homebuyers Regular Savings 3.55% 3.30% 02/01/25 Leek BS Regular Saver Account Issue 1 & 2 3.55% 3.30% 02/01/25 Leek BS Regular Saver Account Issue 3 5.00% 4.85% 02/01/25 Market Harborough BS Member Monthly Saver 3.50% 3.25% 16/01/25 Melton BS Regular Saver 4 5.50% NO CHANGE 19/12/24 Melton BS Regular Saver 5 5.00% NO CHANGE 19/12/24 Melton BS Regular Saver 6 6.00% NO CHANGE 19/12/24 Monmouthshire BS Exclusive Regular Saver Issue 2 6.00% 5.65% 13/12/24 Monmouthshire BS Regular Saver Issue 3 4.50% 4.15% 13/12/24 Natwest Digital Regular Saver (<£5k only) 6.17% NO CHANGE 05/12/24 Newbury Home Saver 4.00% 3.80% 13/12/24 Newcastle BS Newcastle Regular Saver (Issue 1) 5.50% NO CHANGE 10/12/24 Nottingham BS Branch Regular Saver 6.00% 5.75% 17/12/24 Nottingham BS Children's Regular Saver 3.55% 3.35% 17/12/24 Nottingham BS Members Reward Reg Saver 2.95% (2.5% without bonus) 2.55% (2.1% without bonus) 17/12/24 Nottingham BS Regular Saver 2.9% (2.5% without bonus) 2.55% (2.15% without bonus) 17/12/24 Nottingham BS Regular Saver 2 2.9% (2.5% without bonus) 2.55% (2.15% without bonus) 17/12/24 Nottingham BS Regular Saver 3 2.9% (2.5% without bonus) 2.55% (2.15% without bonus) 17/12/24 Principality BS 1 Year Triple Access Regular Saver 5.75% 5.60% 03/12/24 Principality BS First Home Steps Account 5.00% 4.85% 04/12/24 Principality BS First Home Steps Account Issue 2 5.00% 4.85% 05/12/24 Principality BS First Home Steps Account Issue 3 5.00% 4.85% 05/12/24 Principality BS First Home Steps Account Issue 4 5.00% 4.85% 05/12/24 Principality BS First Home Steps Online 5.00% 4.85% 05/12/24 Principality BS First Home Steps Online Issue 2 5.00% 4.85% 05/12/24 Principality BS First Home Steps Online Issue 3 5.00% 4.85% 05/12/24 Principality BS Learner Earner (Issue 1 & 2) 5.50% 5.35% 05/12/24 Principality BS Learner Earner Issue 3 4.45% 4.30% 05/12/24 Principality BS NHS Thank You Online Saver 3.95% 3.80% 05/12/24 Principality BS NHS Thank You Saver 3.95% 3.80% 05/12/24 Principality BS School Staff Saver 4.20% 4.05% 05/12/24 Principality BS Thank You Online Saver (Issues 1 to 4) 4.20% 4.05% 05/12/24 Principality BS Thank You Saver (Issues 1 to 4) 4.20% 4.05% 05/12/24 Progressive BS Clockwork Regular ISA Saver (Issue 1) 3.75% 3.50% 10/12/24 Progressive BS Clockwork Regular ISA Saver (Issue 2) 3.75% 3.50% 10/12/24 Progressive BS Clockwork Regular Saver (Issue 1) 3.75% 3.50% 10/12/24 Progressive BS Clockwork Regular Saver (Issue 2) 3.75% 3.50% 10/12/24 Progressive BS First Home Saver 3.75% 3.50% 10/12/24 Progressive BS Online Regular Rainy Day Saver 7.00% NO CHANGE 10/12/24 Progressive BS Online Regular Rainy Day Saver Issue 2 5.00% 4.75% 10/12/24 RBS Digital Regular Saver (<£5k only) 6.17% NO CHANGE 05/12/24 Saffron BS 12 Month Members Regular Saver 5.00% 4.75% 04/12/24 Saffron BS Small Saver 5.50% 5.00% 04/12/24 Skipton Home Deposit Saver Issue 1 5.06% 4.81% 09/12/24 Skipton Home Deposit Saver Issue 2 (launched 7/11/24) 4.81% NO CHANGE 09/12/24 Stafford Railway BS Regular Saver 5.15% 4.90% 01/12/24 Suffolk BS 1 Year Variable Rate Regular Saver (31.12.2025) (includes online) 5.15% 5.00% 16/12/24 Suffolk BS 2 Year Variable Rate Regular Saver (31.12.2025) 5.00% 4.80% 16/12/24 Suffolk BS 2 Year Variable Rate Regular Saver (31.12.2026) 5.00% 4.80% 16/12/24 Suffolk BS Holiday Saver 4.90% 4.70% 16/12/24 Suffolk BS Online 1 Year Variable Rate Regular Saver (30.09.2025) 5.15% 5.00% 16/12/24 Suffolk BS Smart Save Monthly Saver 4.90% 4.70% 16/12/24 Suffolk BS Variable Rate Regular Saver (31.05.2026) 5.00% 4.80% 16/12/24 Vernon Online Regular Saver 6.50% NO CHANGE 01/12/24 West Brom Access Regular Saver 3.35% 3.10% 17/12/24 YBS £50 Regular Saver/eSaver 8.00% NO CHANGE 10/12/24 YBS First Home Saver/eSaver 4.90% 4.70% 10/12/24 YBS Loyalty 2023 Regular Saver/eSaver 7.00% NO CHANGE 10/12/24 YBS Loyalty Regular Saver/eSaver 5.65% 5.45% 10/12/24 YBS Regular Saver/eSaver 5.05% 4.85% 10/12/24
Did Not Declare Any Changes To Interest Rates Between 7/11/24 And BOE Base Rate Being Held On 19/12/24:Account Rate Beverley BS Monthly Saver 4.05% Darlington BS 12 Month RS 5.10% Darlington BS Green Regular Saver 3.95% Darlington BS High Days & Holidays Saver 3.80% Darlington BS regular esaver 3.95% Darlington BS regular saver 3.95% Darlington BS Special Occasion Saver 3.95% Furness BS 1 Year Regular Saver 4.75% Furness BS Christmas Regular Saver Issue 1 6.00% Gatehouse Bank Regular Monthly Saver 7.00% Gatehouse Bank Regular Monthly Saver Issue 2 5.30% Loughborough BS Limited Access Monthly Saver 4.75% Loughborough BS Regular Monthly Saver Account 2.50% Mansfield BS Bonus Regular Savings Issue 8 5.85% Mansfield BS Kick Start Regular Savings Issue 7 (after 1Y only, before 1Y fixed a4 6.1%) 4.00% Mansfield BS Regular Savings (2nd issue) 4.00% Mansfield BS Regular Savings (3rd- 6th issues, including 150th anniversary issue) 4.00% Mansfield BS Regular Savings 30 (1st issue) 4.25% Mansfield BS Young Regular Saver (1st and 2nd issue) 4.50% Mansfield BS Young Regular Saver (3rd issue) 4.50% Nationwide Flex Regular Saver Issue 2 8.00% Nationwide Flex Regular Saver Issue 3 6.50% Penrith BS Junior Affinity Regular Saver 4.70% Penrith BS Regular Saver 200 4.00% Penrith BS Regular Saver 200 Issue 2 5.00% Penrith BS Regular Saver 300 6.00%
Following the BOE Base Rate being held at 4.75% on 19/12/24 this list is no longer being maintained.
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Locals only isn't it?Bridlington1 said:0 -
Co-op's 7% variable RS staying at 7%: https://www.co-operativebank.co.uk/pdfs/bank/savings/bank-savings-rate-decrease-impacted-products.pdf11
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Handy extra RS in addition to the Club Lloyds RSbigjoe said:Speculator said:Just opened Lloyds monthly @ 5.25%. Also, renewed and reopened the club lloyds monthly.
Rate on both is fixed and allows unlimited withdrawals.
Thank you. Didn't know about the Monthly Saver at 5.25%. Now open
--**MONEYFACTS**-- FULL List of Money Comparison Products + News / Guides--Personal MSE 2026 Money Saving Challenges:# Regular Savers 2026- New 9/12 - Total: 31 (6)# No.2 Save 1p A Day Challenge 2026 £355.02 / £667.95 (6)# No.4 Save £12k in 2026 - £8492.37 / £12,000 (6)# £10-a-Day Challenge 2026 - £710.56 / £1825 (6)# No.8 Sealed Pot Challenge 19 (22/10) 426 / £400 (6)# No.27 - Top Up EP 2 £1255 / £2880 (6).# Decluttering Challenge (6)# No.4 £2 Savers Club 2026 - Completed# No.5 Fiver Friday Challenge 2026 - Completed# Make £2026 in 2026 - Completed# Spectos Mailagent - ReadyMotto: 'SAVE before you spend on Non-essentials'1
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