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Regular Savings Accounts: The Best Currently Available List!
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Here is the whole email received at 1337 hours today from Skipton BS. It's individualised, referring to the 3 accounts held by me (only one is an RS).
"We're reducing your savings interest rate. The Bank of England have recently reduced their base rate, and we've made the difficult decision to reduce the rates on some of our savings accounts.
Part of our aim is to offer long term good value while continuing to manage costs for both savings and mortgage members. Most of our accounts don't directly track the Bank of England base rate but we need to make sure our interest rates are sustainable over the long term.
The interest rate on your below savings accounts will reduce on 9 December 2024. More information about the reasons for varying rates can be found in our Savings Account Terms and Conditions.
Your updated rates
Easy Access Saver Iss 3 A
Current Interest Rate
3.55% gross pa/AER^ variable.
New Interest rate
3.30% gross pa/AER^ variable.
Fa Bonus Saver 1 A
Current Interest Rate
4.95% gross pa/AER^ variable. BA
New Interest rate
4.70% gross pa/AER^ variable. BA
Home Deposit Saver 1 A
Current Interest Rate
5.06% gross pa/AER^ variable.
New Interest rate
4.81% gross pa/AER^ variable.
Bonus accounts
Bonus accounts with an introductory bonus interest rate are shown in the table above with a ‘BA’. The interest rates shown are for the account as at 10 November 2024 - where applicable this includes your bonus rate.
It’s important to note that if we have already contacted you about your bonus rate coming to an end, or you receive a communication from us before 9 December 2024, then your interest rate might be different to the interest rate shown above."
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Thinking of applying for Melton Regular Saver 6.Dont normally go for postal operated accounts.Wasn't going to send id docs on first application attempt, usually i get ID electronically for bank/bs applications.Do they typically look for verified ID?0
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Should there be a separate list for accounts that have gone NLA0
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I got ID electronically, didn't have to send anything.Aidanmc said:Thinking of applying for Melton Regular Saver 6.Dont normally go for postal operated accounts.Wasn't going to send id docs on first application attempt, usually i get ID electronically for bank/bs applications.Do they typically look for verified ID?5 -
35har1old said:Should there be a separate list for accounts that have gone NLA
Bank/ building society Name Calendar/ Account month Withdrawals/early closure Interest rate Fix/var Min deposit Max deposit Virgin Money Regular Saver Exclusive C Unlimited 10.38% F £0 £250 Nationwide BS Flex Regular Saver Issue 2 C 3 penalty free wdls/yr 8.00% V £0 £200 Saffron BS Members Month Loyalty Saver C 1 withdrawal/mth 8.00% F £0 £50 YBS £50 egular Saver C 3 penalty free wdls/yr 8.00% V £0 £50 Skipton BS Members Regular Saver Issue 2 C Early closure only 7.50% F £0 £250 Gatehouse Regular Monthly Saver C None 7.00% V £0 £300 HSBC Regular Monthly Saver A closure s.t very low interest rate 7.00% F £25 £250 Progressive BS Online Regular Rainy Day Saver C Unlimited 7.00% V £0 £300 Skipton BS Members Regular Saver Issue 3 C Early closure only 7.00% F £0 £250 Coventry BS Loyalty Regular Saver A 30 day interest penalty 6.75% V £0 £250 Coventry BS Loyalty Regular Saver Issue 2 A 30 day interest penalty 6.50% V £0 £250 Coventry BS Sunny Day Saver C Unlimited 6.25% V £0 £150 Principality BS Maturity Winter Regular Saver C Early closure only 6.25% F £0 £125 Mansfield BS Kick Start Regular Savings (7th issue) C 2 withdrawals/yr else 90 day interest hit 6.10% F £25 £250 Furness BS Christmas Regular Saver Issue 1 C 1 withdrawal/yr 6.00% V £1 £500 Monmouthshire BS Exclusive Regular Saver Issue 2 C None 6.00% V £0 £500 Nottingham BS Branch Regular Saver C Unlimited 6.00% V £0 £500 Penrith BS Regular Saver 300 (Heartland only) C 3 penalty free wdls/yr 6.00% V £1 £300 Principality BS 2 Year Healthy Saver Bond C Early closure only 6.00% F £0 £50 Mansfield BS Bonus Regular Savings (8th issue) C 2 withdrawals/yr else 90 day interest hit 5.85% V £10 £250 Melton BS Regular Saver 4 C Unlimited 5.50% V £0 £150 Principality BS Regular Savings Bond Issue 34 C Early closure only 5.50% F £0 £250 Principality BS Regular Savings Bond Issue 33 C Early closure only 5.50% F £0 £250 Coventry BS First Home Saver Issue 1 C Unlimited 5.35% V £0 £1,000 Coventry BS Regular Saver Issue 5 A 30 day interest penalty 5.25% V £0 £500 Chorley BS Seasonal Saver (all issues) C None 5.15% V £0 £250 Chorley BS Regular Saver (all issues) C None 5.15% V £0 £250 Leeds BS Home Deposit Saver C 1 withdrawal/yr 5.05% V £0 £500 From 24/12/24 Aldermore Regular Saver Account Issue 1 C Unlimited 5.00% V £0 £300 From 6/12/24 Hanley Economic BS Online Regular Saver C 5 withdrawals/tax yr 5.00% V £250 £1,000 From 1/12/24 Loughborough BS 1Y Fixed Monthly Saver C None 5.00% F £1 £500 Melton BS Regular Saver 3 C Unlimited 5.00% V £0 £200 Leeds BS Regular Saver (most issues) C 1 withdrawal/yr 4.95% V £0 £250 From 24/12/24 Principality BS First Home Steps Issue 3 C 3 penalty free wdls/yr 4.85% V £0 £1,500 From 5/12/24 Principality BS First Home Steps Issue 2 C 3 penalty free wdls/yr 4.85% V £0 £1,500 From 5/12/24 Principality BS First Home Steps Online Issue 2 C 3 penalty free wdls/yr 4.85% V £0 £1,500 From 5/12/24 Principality BS First Home Steps Online Issue 1 C 3 penalty free wdls/yr 4.85% V £0 £1,500 From 5/12/24 Principality BS First Home Steps Issue 1 C 3 penalty free wdls/yr 4.85% V £0 £1,500 From 5/12/24 Skipton BS Home Deposit Saver Issue 1 C Early closure only 4.81% V £0 £500 From 9/12/24 Hinckley & Rugby BS Regular Saver 30 Day Notice C Unlimited Subject to 30 day notice 4.75% V £10 £500 From 29/11/24 Kent Reliance BS Regular Savings Issue 11 C Unlimited 4.50% V £1 £500 Monmouthshire BS Regular Saver Issue 3 C Unlimited 4.50% V £0 £300 Monmouthshire BS Regular Saver Issue 4 C Unlimited 4.50% V £0 £300 Principality BS Regular Savings Bond Issue 32 C Early closure only 4.50% F £0 £250 Mansfield BS Regular Saver C Unlimited Subject to 30 day notice 4.25% V £10 £500 Darlington BS Green Regular Saver C Unlimited 3.95% V £0 £250 Darlington BS Special Occasion Saver C Unlimited 3.95% V £0 £250 Darlington BS regular esaver C Unlimited 3.95% V £0 £250 Buckinghamshire BS Regular Saver Locals C Unlimited 3.80% V £0 £500 From 1/12/24 Darlington BS High Days and Holiday Saver C Unlimited 3.80% V £0 £250 Nottingham BS Seasonal Saver Issue 5 C None (matures 30/11/24) 3.50% F £0 £500
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I stand corrected with 5 withdraws but it still has its place...........RosieRooBear said:Dizzycap said:
This has come as a blow, as like others, I was going to start fully loading each month. However, with 6 free withdraws a year, it still has its place, even as a 2 month draw down account to fund higher regular savers, if neededRosieRooBear said:Hanley Online Regular Saver (NLA) interest rate reduction from 5.5% to 5% wef 01/12/2024https://www.thehanley.co.uk/savings-rates
The HEBS Online RS only allows 5 penalty free withdrawals per tax year, not 6, but still a good account to hold onto 😊Can I withdraw money?You can make 5 withdrawals per tax year (6 April to 5 April) without penalty. All other withdrawals are subject to 30 days loss of interest on the amount withdrawn. Withdrawals will be made to the nominated bank account provided at the time of opening the account. £1,000 must remain in the account following a withdrawal.
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Looks like The Vernon are keeping the on-line Regular Saver at 6.5%.
However it’s currently restricted to locals (local to Stockport.)2 -
It’s an unusual account. After a year the balance gets transferred to an easy access account and a new Regular Saver automatically started. Since the Regular Saver is (supposedly) not even for existing members at the moment that rather suits me. Although need to see if that actually happens.jaypers said:
I only found out about this recently. I’m in the CW (Crewe) area which qualifies.OneUser1 said:Looks like The Vernon are keeping the on-line Regular Saver at 6.5%.
However it’s currently restricted to locals (local to Stockport.)Note over the years Vernon keep tweaking requirements. Sometimes they are strictly locals only. Usually they offer some dire fixed rate accounts to anyone. Sometimes they let anyone in - a few years back they offered an on-line easy access nationwide. It’s worth checking on them if you really fancy membership.4 -
Coventry BS Interest Rate Reductions 3/12/24:
Currently Available:
Regular Saver (6) ~~~ NO CHANGE ~~~ Remains at 4.75%
First Home Saver (2) ~~~ NO CHANGE ~~~ Remains at 4.8%
Loyalty Mortgage Saver ~~~ NO CHANGE ~~~ Remains at 6%
NLA:
Loyalty RS Issue 1 from 6.75% to 6.5%
Loyalty RS Issue 2 from 6.5% to 6.25%
First Home Saver from 5.35% to 5.1%
Regular Saver (5) from 5.25% to 5%
Sunny Day Saver ~~~ NO CHANGE ~~~ Remains at 6.25%
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