Regular Savings Accounts: The Best Currently Available List!

dingling68

Bridlington1 said:

As requested by @dingling68 in another thread please find below a more up to date version of the list of regular savers I posted on this thread last month:

Currently Available
Bank/building society	Name	Calender/Account month	Withdrawals/early closure	Interest rate	Fix/var	Min deposit	Max deposit
Skipton BS	Members Branch Regular Saver	C	Early closure only	7.50%	F	£0.00	£250.00
Bath BS	16-25 Regular Saver	C	2 withdrawals/yr	7.29%	V	£10.00	£50.00
First Direct	Regular Saver Account	A	Closure s.t very low interest rate	7.00%	F	£25.00	£300.00
Lloyds	Club Lloyds Monthly Saver	C	Unlimited	6.25%	F	£0.00	£400.00
Natwest	Digital Regular Saver	C	Unlimited	6.17%	V	£0.00	£150.00
RBS	Digital Regular Saver	C	Unlimited	6.17%	V	£0.00	£150.00
Penrith BS	Regular Saver 300 (Heartland only)	C	3 penalty free wdls/yr	6.00%	V	£1.00	£300.00
Principality BS	Regular Savings Bond Issue 33	C	Early closure only	5.50%	F	£0.00	£250.00
BOS	Regular Saver	C	Unlimited	5.50%	F	£0.00	£250.00
Halifax	Regular Saver	C	Early closure only	5.50%	F	£0.00	£250.00
Nationwide BS	Start to Save Issue 2	C	Unlimited	5.50%	V	£0.00	£50.00
Saffron BS	Small Saver Issue 6	C	1 withdrawal/mth	5.50%	V	£1.00	£50.00
Lloyds	Monthly Saver	C	Unlimited	5.25%	F	£0.00	£250.00
Leeds BS	Regular Saver Issue 23-42	C	1 withdrawal/yr	5.25%	V	£0.00	£250.00	From 15/8/23
YBS	Regular Saver	C	2 withdrawals/yr	5.25%	V	£0.00	£250.00	From 10/7/23
Leeds BS	Home Deposit Saver	C	1 withdrawal/yr	5.15%	V	£0.00	£500.00	From 15/8/23
Coventry BS	First Home Saver Issue 2	C	60 day notice or interest penalty	5.05%	V	£0.00	£1,000.00	From 14/8/23
Coventry BS	Regular Saver	A	30 day interest penalty	5.05%	V	£0.00	£500.00	From 14/8/23
Loughborough BS	1Y Fixed Monthly Saver	C	None	5.00%	F	£0.00	£500.00
TSB	Monthly Saver	C	Unlimited	5.00%	F	£0.00	£250.00
West Brom BS	Adult's Fixed Rate Regular Saver Issue 6	C	None	5.00%	F	£0.00	£250.00
HSBC	Regular Saver	A	closure s.t very low interest rate	5.00%	F	£25.00	£250.00
Santander	Regular e-saver	A	Unlimited	5.00%	F	£0.00	£200.00
Cumberland BS	Regular Saver Issue 3	A	Interest hit of 0.65% if 2+ deposits missed or 2+ withdrawals	5.00%	V	£0.00	£250.00
Hinckley & Rugby BS	Regular Saver 30 Day Notice	C	Unlimited Subject to 30 day notice	5.00%	V	£10.00	£500.00
Leek BS	Regular Saver Account Issue 3	C	3 withdrawals/yr	5.00%	V	£0.00	£500.00
Kent Reliance BS	Regular Savings Issue 11	C	Unlimited	5.00%	V	£1.00	£500.00
Chorley BS	Regular Saver (30.07.2024)	C	None	5.00%	V	£0.00	£250.00
Saffron BS	Members 12 Month Regular Saver	C	Unlimited	5.00%	V	£0.00	£500.00
Stafford Railway BS	Regular Saver Issue 1	C	4 withdrawals/yr	4.90%	V	£25.00	£500.00
Furness BS	1Y Regular Saver Issue 5	C	1 withdrawal/yr	4.75%	V	£1.00	£250.00
Bath BS	Homestart Regular Saver	C	2 withdrawals/yr	4.69%	V	£50.00	£250.00
Principality BS	First Home Saver	C	3 penalty free wdls/yr inc closure	3.9% (£1-£2500)	V	£0.00	£1,500.00
				4.1% (£2501-£7500)	V
				4.6% (£7501+)	V
Nottingham BS	Summer Saver Issue 2	C	None	4.50%	V	£0.00	£500.00
Darlington BS	Regular Saver	C	Unlimited	4.50%	V	£0.00	£750.00
Dudley BS	One Year Regular Saver Online Issue 3	C	Early closure only	4.40%	V	£0.00	£850.00
Dudley BS	One Year Regular Saver Issue 8	C	Early closure only	4.40%	V	£0.00	£850.00
Mansfield BS	Regular eSaver	C	Unlimited Subject to 30 day notice	4.25%	V	£10.00	£500.00
Mansfield BS	Regular Saver	C	Unlimited Subject to 30 day notice	4.25%	V	£10.00	£500.00
Bath BS	Regular Saver	C	1 withdrawal/yr	4.19%	V	£20.00	£250.00
Cumberland BS	First Home Saver Account Issue 2	A	Unlimited subject to 90 day notice	4.10%	V	£100.00	£1,500.00
Earl Shilton	Regular Monthly Saver	C	2 withdrawals/yr, £10 hit if no payment	4.10%	V	£10.00	£1,000.00
Cambridge BS	Reward Regular Saver	C	Closure s.t 90 day interest penalty	4.00%	F	£0.00	£300.00
Beverley BS	Monthly Saver	C	Interest hit of 0.5%	4.00%	V	£10.00	£1,000.00
Newbury BS	Home Saver	C	2 withdrawals/yr	4.00%	V	£10.00	£500.00
Buckinghamshire BS	Regular Saver	C	Unlimited	3.85%	V	£0.00	£500.00
Monmouthshire BS	Regular Saver Bond	C	None	3.75%	F	£0.00	£250.00
Loughborough BS	Limited Access Monthly Saver	C	1 withdrawal/yr	3.75%	V	£1.00	£2,000.00
Ecology BS	Regular Saver	C	2 withdrawals/yr	3.75%	V	£25.00	£250.00
Vernon BS	Regular Saver ISA	C	2 withdrawals/yr, can miss 1 payment else 0.7% hit	3.70%	V	£25.00	£1,666.00
Market Harborough BS	Members Regular Saver	C	Unlimited Subject to 30 day notice	3.60%	V	£10.00	£3,000.00
West Brom BS	Access Regular Saver	C	Unlimited	3.60%	V	£20.00	£2,000.00
Virgin Money	Home Buying Regular Saver Issue 19	C	Unlimited	3.00%	F	£0.00	£250.00
Loughborough BS	Regular Monthly Saver Account	C	Unlimited	2.50%	V	£0.00	£1,000.00
	NLA
Bank/building society	Name	Calender/Account month	Withdrawals/early closure	Interest rate	Fix/var	Min deposit	Max deposit
Saffron BS	Members Month Loyalty Saver	C	1 withdrawal/mth	9.00%	F	£0.00	£50.00
YBS	Limited Access Monthly Saver Issue 2/loyalty eSaver	C	1 withdrawal/yr	6.25%	V	£0.00	£500.00	From 10/8/23
Beehive	Online Fixed Regular Saver	C	None	6.00%	F	£0.00	£250.00
Nottingham BS	Branch Fixed Regular Saver	C	None	6.00%	F	£0.00	£250.00
YBS	Christmas 2023 Regular Savings Bond	C	1 withdrawal/yr	5.75%	V	£0.00	£300.00	From 10/8/23
Monmouthshire BS	Coronation Regular Saver	C	Unlimited	5.60%	V	£0.00	£300.00
Coventry BS	First Home Saver Issue 1	C	Unlimited	5.60%	V	£0.00	£1,000.00	From 14/8/23
Tipton & Cosley BS	Regular Saver to 31 July 2024 branch+post/app version	C	None unless 3 payments are missed (converts to EA)	5.50%	V	£50.00	£500.00
Monmouthshire BS	Christmas saver Bond Issue 5	C	closure s.t very low interest rate	5.50%	F	£0.00	£200.00
Chorley BS	Seasonal Saver (all issues)	C	None	5.00%	V	£0.00	£250.00	From 10/8/23
Chorley BS	Regular Saver (all issues)	C	None	5.00%	F	£0.00	£250.00
Nottingham BS	Starter ISA Issue 11	C	None, except transfers out s.t. 180 day interest hit	5.00%	V	£0.00	£1,600.00
Principality BS	Christmas 2023 Regular Savings Bond	C	Early closure only	5.00%	F	£0.00	£125.00
Principality BS	Regular Savings Bond Issue 32	C	Early closure only	4.50%	F	£0.00	£250.00
Darlington BS	Green Regular Saver	C	Unlimited	4.50%	V	£0.00	£250.00	From 10/7/23
Nationwide BS	Flex Regular Saver	C	3 penalty free wdls/yr inc closure	4.50%	V	£0.00	£200.00	From 14/7/23
Saffron BS	Regular Saver ISA	C	Unlimited	4.25%	F	£0.00	£1,650.00
Principality BS	Regular Savings Bond Issue 31	C	Early closure only	4.00%	F	£0.00	£250.00
Principality BS	Regular Savings Bond Issue 30	C	Early closure only	3.25%	F	£0.00	£250.00
Principality BS	Regular Savings Bond Issue 29	C	Early closure only	2.80%	F	£0.00	£250.00
Virgin Money	Home Buying Regular Saver Issue 18	C	Unlimited	2.25%	F	£0.00	£250.00
Principality BS	Regular Savings Bond Issue 28	C	Early closure only	2.25%	F	£0.00	£250.00
Virgin Money	Home Buying Regular Saver Issue 12-17	C	Unlimited	1.75%	F	£0.00	£250.00
Principality BS	Regular Savings Bond Issue 27	C	Early closure only	1.50%	F	£0.00	£250.00
Principality BS	Regular Savings Bond Issue 26	C	Early closure only	1.25%	F	£0.00	£250.00

You are a star, thank you so much for doing this 😊

flaneurs_lobster

MDMD said:

t1redmonkey said:

Bit of a long shot but does anyone here have PDF's and/or Key Features saved for the Monmouthshire Xmas Regular Saver + the Coronation Saver?

Christmas saver is here: https://web.archive.org/web/20221203093556/https://www.monbs.com/products/christmas-saver-bond-issue-5/

Here's the Coronation RS 

schiff

Penrith
By way of a timely coincidence a recent issue of my local paper carries an article with the headline "Stockport is named Greater Manchester's Town of Culture'. The SK postcode covers a wide area with some of them (the Heatons in particular) abutting Manchester suburbs.
Liverpool/Merseyside is in the same situation as Manchester/Greater Manchester and it would be unusual for Merseyside to be acceptable and GM not, with Merseyside situated in the depths of Lancashire and Manchester on the perimeter.  
I was born in Manchester (pre GM) and consider myself very much a Lancashire lad. Lancashire's county cricket side plays in Manchester. Disregarding the technicalities most people off the cuff would regard Liverpool and Manchester as being in Lancashire.
It depends how strict Penrith are but I think it's worth a punt. I'm SK and will report back.

IanManc

schiff said:

Penrith
By way of a timely coincidence a recent issue of my local paper carries an article with the headline "Stockport is named Greater Manchester's Town of Culture'. The SK postcode covers a wide area with some of them (the Heatons in particular) abutting Manchester suburbs.
Liverpool/Merseyside is in the same situation as Manchester/Greater Manchester and it would be unusual for Merseyside to be acceptable and GM not, with Merseyside situated in the depths of Lancashire and Manchester on the perimeter.  
I was born in Manchester (pre GM) and consider myself very much a Lancashire lad. Lancashire's county cricket side plays in Manchester. Disregarding the technicalities most people off the cuff would regard Liverpool and Manchester as being in Lancashire.
It depends how strict Penrith are but I think it's worth a punt. I'm SK and will report back.

The SK postcode is vastly wider than the boundaries of Stockport. There are 19 SK postcode areas but only 7 of them are wholly within Stockport borough and another 1 is mostly within Stockport but partly in Cheshire East, 3 are wholly in Cheshire East, 3 are wholly within Tameside borough in Greater Manchester, 2 are wholly within High Peak in Derbyshire, 1 is split between Cheshire East and High Peak in Derbyshire, 1 is split between Cheshire East and Staffordshire Moorlands, and 1 covers a vast area of High Peak across north Derbyshire including Buxton and also includes parts of Staffordshire Moorlands and Derbyshire Dales. 

In short, if you've got an SK postcode you are more likely to be outside Stockport than you are to be in  it.

Merseyside isn't "in the depths of Lancashire", and it takes in the Wirral which was wholly in Cheshire. Greater Manchester took huge chunk of the south of the former Lancashire and just under 2 million people, and Merseyside took a big chunk and about 1 million people, but if you can call Greater Manchester "on the perimeter of Lancashire" - which I wouldn't - then applying the same criteria Merseyside must also be on the perimeter - although perhaps even more so.

Lancashire County Cricket Club play at Old Trafford in the borough of Trafford (one of the 9 districts of Greater Manchester that isn't the City of Manchester) not in Manchester. Manchester United similarly don't play in Manchester ...... unless they're away to Manchester City!  

It's interesting that you think you can speak for "most people".    Maybe your view of people's perception of their location's identity says more about your age than about how most people feel? The town where I live has gone down the pan since it lost its Urban District Council in 1974 and was lumped into one of the GM metropolitan boroughs - a sad day which I remember clearly - but on the other hand I have no hankering to be governed from Preston again by Lancashire County Council and don't feel part of Lancashire or any real Lancashire identity at all.

Good luck with your Penrith application. It's perverse that someone over 160 miles away on the far side of East Yorkshire can get the account but someone on the edge of Southport in Merseyside only 83 miles from Penrith,  or someone on the edge of Bolton In Greater Manchester only 86 miles away, can't.

I expect that happybagger will be along in a minute to tell me I'm confused and have got out of the wrong side of the bed, like he did yesterday. 

Bridlington1

I appreciate it's a poor rate but for those who have it Buckinghamshire regular saver will rise to 4.1% from 1/9/23.

OneUser1

Bridlington1 said:

I appreciate it's a poor rate but for those who have it Buckinghamshire regular saver will rise to 4.1% from 1/9/23.

The current Regular Saver rises from 3.85% to 4.1% on 1/9/23 but those of us (stealth brag?) in the NLA Regular Saver Locals rise from 4.25% up to 4.5%. Still nowhere near class leading but every little helps.

Bridlington1

happybagger said:

I couldn't care less to be honest, it seems to be exercising your mind more than mine, given the length of your response. But no doubt @nic_c will be along in a moment to tell you that you're off topic and "don't you realise this is a thread about Regular Savings accounts rather than a history or geography forum".

For the benefit of those with Bucks BS RS accounts, effective 1 Sept
RS 4.10% (Open)
RS Locals (Closed issue) 4.50%

I'm just keeping hold of it to speed things up if they launch anything competitive in the future and on the off chance they launch any loyalty rate products and/or the regular saver beats my EA accounts again. I know a few others on here have the account so just thought it worth a brief mention.

happybagger

OneUser1 said:

Bridlington1 said:

I appreciate it's a poor rate but for those who have it Buckinghamshire regular saver will rise to 4.1% from 1/9/23.

The current Regular Saver rises from 3.85% to 4.1% on 1/9/23 but those of us (stealth brag?) in the NLA Regular Saver Locals rise from 4.25% up to 4.5%. Still nowhere near class leading but every little helps.

I maintained the RS Locals as it has no restrictions on the number of withdrawals, though I had forgotten when I wanted to move a fair chunk out the daily limit is £5k

happybagger

@Bridlington1 apologies my comment was related to the post above yours; two posts appeared while I was typing and getting the source link. Now edited for clarity.

bundoran

IanManc said:

schiff said:

Penrith
By way of a timely coincidence a recent issue of my local paper carries an article with the headline "Stockport is named Greater Manchester's Town of Culture'. The SK postcode covers a wide area with some of them (the Heatons in particular) abutting Manchester suburbs.
Liverpool/Merseyside is in the same situation as Manchester/Greater Manchester and it would be unusual for Merseyside to be acceptable and GM not, with Merseyside situated in the depths of Lancashire and Manchester on the perimeter.  
I was born in Manchester (pre GM) and consider myself very much a Lancashire lad. Lancashire's county cricket side plays in Manchester. Disregarding the technicalities most people off the cuff would regard Liverpool and Manchester as being in Lancashire.
It depends how strict Penrith are but I think it's worth a punt. I'm SK and will report back.

Good luck with your Penrith application. It's perverse that someone over 160 miles away on the far side of East Yorkshire can get the account but someone on the edge of Southport in Merseyside only 83 miles from Penrith,  or someone on the edge of Bolton In Greater Manchester only 86 miles away, can't.

 expect that happybagger will be along in a minute to tell me I'm confused and have got out of the wrong side of the bed, like he did yesterday. 

LOL!          

I Live In Greater Manchester too, in Bury. A few years ago Marsden BS had a good Reg Saver with an opening restriction to "locals". I went to the now-closed branch in Bury town centre, less than three miles away, with an application form and ID to open it. They refused me, because I didn't live in "Bury proper" - whatever that is.

Half of the Bury has BL (Bolton) postcodes and Bury as the post town, and the other half has M (Manchester) postcodes. I'd taken my Bury Council tax demand as proof of residence, but since an M postcode wasn't "Bury proper" I was refused the account.

I worked in Burnley at the time and went into the Marsden branch there. They took one look at my Bury Council tax bill and opened the account because I was local, living in Bury. Marsden now clearly state that they accept M postcodes - but sadly the regular saver's rotten now!

As @IanManc said in his last post - cIearly on topic for anyone who is confused - the Penrith's rules seem a bit daft, so maybe if you're refused Penrith BS is small enough for you to be able to talk to the person who sets the geographical criteria and explain the silly consequences of their loose definition, and then they might let you have the account. Just an idea ....

Best of luck to you @Schiff. Let us know what happens. I might be tempted myself if you're successful.