Regular Savings Accounts: The Best Currently Available List!

Aidanmc

BestSeagull said:

My Nationwide Flex RS has just matured. I tried to open the current one but the system tells me I can't because I already have a RS.
Any idea how long it will take to sort itself out?

You should be able to open a new RS tomorrow

flaneurs_lobster

francoghezzi said:

checkly said:

francoghezzi said:

Apologies if this has been announced already. It's the same RS that a lot of us opened in September (ending 30/11/2025), but with a new ending date, same interest (6%) fixed

Market Harborough B.S.

Fixed Term Regular Saver (31.03.2026)

6.00% Gross*/AER** fixed 
Minimum balance – £10
Maximum balance – £250 (per month)
Annual interest paid at maturity

It is possible to hold 2 RS but not deposit more than a total of £250 a month 

Seems it can only be opened in branch, unlike the September offering 

According to their website the RS must be opened in branch, yes, at least for now. It is worth keeping an eye, anyway, because it is still a good fixed 6% lasting 15 months

Much like the previous version, the account is available to apply for online if you have online access.

Don't think they've quite finished the web page yet

"Replace this text with description for product named Fixed Term Regular Saver (31.03.2026) (1YR02)."

Given the 2 account restrictions, wonder if it's worth opening a second and fund at the minimum (£10/mth) while funding the first at £240, or some other combination?

francoghezzi

flaneurs_lobster said:

francoghezzi said:

checkly said:

francoghezzi said:

Apologies if this has been announced already. It's the same RS that a lot of us opened in September (ending 30/11/2025), but with a new ending date, same interest (6%) fixed

Market Harborough B.S.

Fixed Term Regular Saver (31.03.2026)

6.00% Gross*/AER** fixed 
Minimum balance – £10
Maximum balance – £250 (per month)
Annual interest paid at maturity

It is possible to hold 2 RS but not deposit more than a total of £250 a month 

Seems it can only be opened in branch, unlike the September offering 

According to their website the RS must be opened in branch, yes, at least for now. It is worth keeping an eye, anyway, because it is still a good fixed 6% lasting 15 months

Much like the previous version, the account is available to apply for online if you have online access.

Don't think they've quite finished the web page yet

"Replace this text with description for product named Fixed Term Regular Saver (31.03.2026) (1YR02)."

Given the 2 account restrictions, wonder if it's worth opening a second and fund at the minimum (£10/mth) while funding the first at £240, or some other combination?

The other way round of course. I prefer getting the 6% for 15 months (£18 interest, give or take) instead of 11 months (£13.75 interest give or take) left if you opened the first Rs in September. I would defo go for £240 in the new one and 10 in the old. Just remember that you probably already deposited for December so worth doing it starting January so as not to go over the £250 limit for this month

Kim_13

The other consideration would be that 2 is the maximum they allow, so might it be worth spreading the maturity dates further apart than just three months (if they continue offering these accounts at intervals.) I figure they are unlikely to drop the rate without further downward movement in the base rate.

solartom

For anyone with an Principality 2 Year Health Habit RS they added anual interest to my accaunt  on its 1 year anniversary

francoghezzi

qbadger said:

So if you've already funded the 1st issue in full this month, you'll need to wait until 02 Jan before funding the 2nd issue?

I do think so, you could open the account anyway because you have 10 days to fund it, but I don't see the point considering that it would have no sense to take it out of the market before January

Gers

MH RS 2 - I'm gambling that the 10 working day funding window doesn't include the bank holidays.

flaneurs_lobster

Gers said:

MH RS 2 - I'm gambling that the 10 working day funding window doesn't include the bank holidays.

Should be OK

Is there a time limit to fund my account?
It’s important to remember your account must be funded with the pledged amount within ten calendar days.

Bigwheels1111

solartom said:

For anyone with an Principality 2 Year Health Habit RS they added anual interest to my accaunt  on its 1 year anniversary

£21.40 for me.

janusd

solartom said:

For anyone with an Principality 2 Year Health Habit RS they added annual interest to my account on its 1 year anniversary

they also paid the maturity interest on my £3,250 5.5% fixed RS account - it was £98.78, which is more than the MSE RS calculator expects for £3k, so they must have paid interest on that 13th payment too!

Am i right in thinking that they automatically send statements in the post for matured accounts? I know they didn't do that when I closed a RS account early recently (just requested one for that via secure message).