Regular Savings Accounts: The Best Currently Available List!

Bridlington1

flaneurs_lobster said:

where_are_we said:

Coventry Loyalty Seasonal Saver .... I presume if they dropped the interest rate we would be able to close the account without penalty.

If that's a question then I think the answer is no - if the interest rate is decreased then the withdrawal penalty remains (loss of 30 day's interest) albeit at a lower rate.

My interpretation would be yes.

The General Ts&Cs state:




Thus if the interest rate was reduced you'd be able to close the account without penalty within 30 days of being notified of the decrease.

flaneurs_lobster

Bridlington1 said:

My interpretation would be yes.
.
Thus if the interest rate was reduced you'd be able to close the account without penalty within 30 days of being notified of the decrease.

By "no" I did, of course, mean "yes"..

Missed the override clause in the General T&Cs. Thanks @Bridlington1.

trickydicky14

flaneurs_lobster said:

Bridlington1 said:

My interpretation would be yes.
.
Thus if the interest rate was reduced you'd be able to close the account without penalty within 30 days of being notified of the decrease.

By "no" I did, of course, mean "yes"..

Missed the override clause in the General T&Cs. Thanks @Bridlington1.

No is the new Yes, Ha Ha

BestSeagull

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?

francoghezzi

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 

checkly

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 

francoghezzi

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

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