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Regular Savings Accounts: The Best Currently Available List!
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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
~ NSD 2025 - NSD July 23/20 (6 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - Ongoing~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £1634.34 / £2025 (58%) (3) 💯💯+# No.12 Save £2 a Day 2025 2025: £730/ £730 💯# No.27 Save 1p A Day 2025 £667.95 / £667.95 💯# No.19 52 Week Env Challenge £1378 / £1378 💯# No.34 Save £12k in 2025 £13,429.74 / £12,000 💯 - Continuing1 -
On Moneyfacts it says existing customers as well, but cannot find any reference to that on Vernon's website. I think originally it was also available for existing customers, but perhaps Moneyfacts hasn't updated its websites71hj said:
Locals only isn't it?Bridlington1 said:I consider myself to be a male feminist. Is that allowed?1 -
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.I've just closed my Club Lloyds RS which was due to mature next month by renewing the account to a Saver which transferred all monies and interest immediately. Brand new Club Lloyds RS @ 6.25% opened and funded within 5 minutes just now
T&C's at lloyds are never enforced regarding account closure & reopening, with the exception of duplicate accounts which aren't allowed according to Lloyds T&C's.- strange but true
~ NSD 2025 - NSD July 23/20 (6 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - Ongoing~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £1634.34 / £2025 (58%) (3) 💯💯+# No.12 Save £2 a Day 2025 2025: £730/ £730 💯# No.27 Save 1p A Day 2025 £667.95 / £667.95 💯# No.19 52 Week Env Challenge £1378 / £1378 💯# No.34 Save £12k in 2025 £13,429.74 / £12,000 💯 - Continuing1
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