Regular Savings Accounts: The Best Currently Available List!

simonsmithsays

flaneurs_lobster said:

trickydicky14 said:

Dizzycap said:

Bridlington1 said:

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've fully funded the 1st issue and have just opened issue 2. I shall send £10 across to issue 2 tomorrow as an experiment so shall report back whether the £250 combined monthly deposit rule is actually enforced in practice.

I have 2 x Issue 1 which I credit the maximum of £250 in each RS each month and have done for the past 4 months. Interest for those 2 x Issue 1 RS has also been applied in December as per the T&C's.

I have now opened Issue 2 which I have credited £250 and there are no system issues or returned payments if the max isn't exceeded each month in each RS account. This month I have paid the maximum allowed over 3 RS £750 with no monies returned.

Well, that’s going to put the cat amongst the pigeons

What would worry me is @ForumUser7 's point above 

The thing I’m really curious about is if the systems enforce the whole deposit limit! I.e. if it will let you pay £250 in each regardless of terms, and doesn’t just void the interest at the end of the term.

  Would be rather hard to demand "Where's my interest?" when MHBS simply hand back your £3k after a year. Unless someone's going to ring them and ask........

I received some interim interest in November. If the OP did too then that looks more positive 

thefrank

Market Harborough Fixed Term Regular Saver (31.03.2026)

For those following the discussion about the possibility of opening the account on line, it can be worth noting that I just phoned them and a very kind employee confirmed me that at the moment "the account can be opened in branch only, but it should be available to be opened online also in the near future although we don't know exactly on which day". They confirmed also that the monthly limit for those holding the 2 Regular Savers will be £250 as stated already. For those who already have the first RS at present going online the only option available when the button 'Apply' is hit is to open the members' saving account that offers a 3 point something rate of interest. This is the official answer you get phoning them directly. Their website, at present, is 'down' due to 'online maintenance'.

simonsmithsays

Bobblehat said:

dcs34 said:

Market Harborough Fixed Term Regular Saver (31.03.2026)
For those that have applied online, would you mind confirming the process? I've logged in and gone to 'Apply' > 'Regular' and then checked all the other types, but can't see it on the system at all.

Possible that MHBS have spotted some issues (i.e. people opening both issues and funding, it was supposed to remain branch only, etc.) and have withdrawn from the online system?

Yep! Not visible for me when logged in! Watch this space I suppose!

It was visible three hours ago under Regular Savers.

It's now, no longer, an option.

They've simply removed it from online applications.

Bridlington1

simonsmithsays said:

Bobblehat said:

dcs34 said:

Market Harborough Fixed Term Regular Saver (31.03.2026)
For those that have applied online, would you mind confirming the process? I've logged in and gone to 'Apply' > 'Regular' and then checked all the other types, but can't see it on the system at all.

Possible that MHBS have spotted some issues (i.e. people opening both issues and funding, it was supposed to remain branch only, etc.) and have withdrawn from the online system?

Yep! Not visible for me when logged in! Watch this space I suppose!

It was visible three hours ago under Regular Savers.

It's now, no longer, an option.

They've simply removed it from online applications.

The application link still seems to be live
https://mhbsonline.co.uk/bankfastApply/apply?code=1yr02

Bobblehat

simonsmithsays said:

Bobblehat said:

dcs34 said:

Market Harborough Fixed Term Regular Saver (31.03.2026)
For those that have applied online, would you mind confirming the process? I've logged in and gone to 'Apply' > 'Regular' and then checked all the other types, but can't see it on the system at all.

Possible that MHBS have spotted some issues (i.e. people opening both issues and funding, it was supposed to remain branch only, etc.) and have withdrawn from the online system?

Yep! Not visible for me when logged in! Watch this space I suppose!

It was visible three hours ago under Regular Savers.

It's now, no longer, an option.

They've simply removed it from online applications.

I thought as much after dcs34's heads-up! Let's hope francoghezzi's report from phoning CS proves true, allowing anyone wanting it via online application to get a chance soon. Probably scuppers my plan to grab it tomorrow! Ah! Well! January 2nd will have to do, if it's available then.

simonsmithsays

Bridlington1 said:

simonsmithsays said:

Bobblehat said:

dcs34 said:

Market Harborough Fixed Term Regular Saver (31.03.2026)
For those that have applied online, would you mind confirming the process? I've logged in and gone to 'Apply' > 'Regular' and then checked all the other types, but can't see it on the system at all.

Possible that MHBS have spotted some issues (i.e. people opening both issues and funding, it was supposed to remain branch only, etc.) and have withdrawn from the online system?

Yep! Not visible for me when logged in! Watch this space I suppose!

It was visible three hours ago under Regular Savers.

It's now, no longer, an option.

They've simply removed it from online applications.

The application link still seems to be live
https://mhbsonline.co.uk/bankfastApply/apply?code=1yr02

Appreciate that.

The option is definitely not available when I login and try to apply for the account under Regular Savers (any longer).

However, using your link, I've applied as an existing customer and ticked the box for 'not having online access to accounts' and hey presto I've been given the option to apply.

I've entered all my login details as per my previous RS application and now I have a 1 yr issue 2 showing online.

Thanks again 

Aidanmc

Is people with the previous MHBS regular saver now opening the second issue?

Is there an advantage in doing so?

granta

simonsmithsays said:

Bridlington1 said:

simonsmithsays said:

Bobblehat said:

dcs34 said:

Market Harborough Fixed Term Regular Saver (31.03.2026)
For those that have applied online, would you mind confirming the process? I've logged in and gone to 'Apply' > 'Regular' and then checked all the other types, but can't see it on the system at all.

Possible that MHBS have spotted some issues (i.e. people opening both issues and funding, it was supposed to remain branch only, etc.) and have withdrawn from the online system?

Yep! Not visible for me when logged in! Watch this space I suppose!

It was visible three hours ago under Regular Savers.

It's now, no longer, an option.

They've simply removed it from online applications.

The application link still seems to be live
https://mhbsonline.co.uk/bankfastApply/apply?code=1yr02

Appreciate that.

The option is definitely not available when I login and try to apply for the account under Regular Savers (any longer).

However, using your link, I've applied as an existing customer and ticked the box for 'not having online access to accounts' and hey presto I've been given the option to apply.

I've entered all my login details as per my previous RS application and now I have a 1 yr issue 2 showing online.

Thanks again 

I did the same as you but got a message at the end to say 'we're checking your application...' and is not visible when I login. I had to set up security details again because I ticked the no online access box but used the same responses as previously

dcs34

Market Harborough Fixed Term Regular Saver (31.03.2026)
I followed B1's link, selected the "no online access" option, used the same log-in details and security information as my existing (first issue) account, and the second issue is now showing in my online account.

Bobblehat

Aidanmc said:

Is people with the previous MHBS regular saver now opening the second issue?

Is there an advantage in doing so?

There seem to be several forumites who are opening both!

Interest figures depend on several factors including revising the maximum from £3000 to £3750, but in my case (if I can open the 2nd one!) having opened and funded the first one on 26 Sept and was intending to fully fund it on the earliest bank working days of subsequent months here are my ball-park figures ....

Issue 1 only opened September 2024, funded with £3750 by 3rd November 2025  Interest ~£145

Issue 1 opened September 2024, funded with £1000 by December 2024 and funded with £1110 in total by 3rd November 2025. Interest ~£68
and
Issue 2 opened January 2025, funded with £2640 by November 2025 and funded with £3640 in total by 2nd March 2026. Interest ~£144

So potential gain for both RS's compared with first RS only of just under £70. In practice the figures above will be slightly inflated due to my SO's arriving a day or so later when the 1st of the month falls on a weekend, but they will give you some idea of whether you think it's worth it or not.