We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Archived History Of Regular Savers Thread *** NO CHAT***
Comments
-
Removed from the main regular savers lists:
~~~~~~NLA 21/12/25 ~~~~~~Dudley BS Festive Regular Saver Online ~~~ Launched 19/12/25
Interest rate: 5.5% AER variable
Monthly payment: £0-£250 per calendar month
Miss any payments: Yes, as many as you wish
Penalty-free withdrawals: Unlimited
Age of applicant: Aged 16 or over
How to open account: Online
Length of account term: 12 months from opening
Maximum balance: £3,250
Deposits on non-working days: Treated as having been received the same day.
Special conditions: n/a
A reminder that this is the no chat thread, if you wish to discuss anything relating to regular savers please use The Top Regular Savers Discussion Thread.3 -
Latest additions to main regular savers lists:
Suffolk 1 Year Fixed Rate Regular Saver (28.02.2027) ~~~ Launched 22/12/25
Interest rate: 5% AER Fixed
Monthly payment: £10-£500 per calendar month
Miss any payments: Yes, as many as you like
Penalty-free withdrawals: None
Age of applicant: At least 16 years old
How to open account: Branch/post
Length of account term: Matures 28/2/2027
Maximum balance: None stated other than £500,000 across all Suffolk BS accounts
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: N/A
Suffolk BS Online 1 Year Fixed Rate Regular Saver (28.02.2027) ~~~ Launched 22/12/25
Interest rate: 5% AER Fixed
Monthly payment: £10-£250 per calendar month
Miss any payments: Yes, as many as you like
Penalty-free withdrawals: None
Age of applicant: At least 16 years old
How to open account: Online
Length of account term: Matures 28/2/2027
Maximum balance: None stated other than £500,000 across all Suffolk BS accounts
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: N/ARemoved from the main regular savers lists:
~~~~~~NLA 22/12/25 ~~~~~~Suffolk 1 Year Fixed Rate Regular Saver (31.01.2027) ~~~ Launched 3/11/25
Interest rate: 5% AER Fixed
Monthly payment: £10-£500 per calendar month
Miss any payments: Yes, as many as you like
Penalty-free withdrawals: None
Age of applicant: At least 16 years old
How to open account: Branch/post
Length of account term: Matures 31/1/2027
Maximum balance: None stated other than £500,000 across all Suffolk BS accounts
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: N/A
~~~~~~NLA 22/12/25 ~~~~~~Suffolk BS Online 1 Year Fixed Rate Regular Saver (31.01.2027) ~~~ Launched 3/11/25
Interest rate: 5% AER Fixed
Monthly payment: £10-£250 per calendar month
Miss any payments: Yes, as many as you like
Penalty-free withdrawals: None
Age of applicant: At least 16 years old
How to open account: Online
Length of account term: Matures 31/1/2027
Maximum balance: None stated other than £500,000 across all Suffolk BS accounts
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: N/AUpcoming interest rate changes:
___________________________________________________________________________________________Account Old Rate New Rate Date HRBS Children’s Regular Saver 3.75% 3.65% 16/01/2026 HRBS Christmas Saver 30 Day Notice 5.00% 4.90% 16/01/2026 HRBS Regular Saver 30 Day Notice Issue 2 4.10% 4.00% 16/01/2026
A reminder that this is the no chat thread, if you wish to discuss anything relating to regular savers please use The Top Regular Savers Discussion Thread.4 -
Upcoming interest rate changes:
Account Old Rate New Rate Date Dudley BS Loyalty One Year Regular Saver 6.00% 5.75% 16/01/2026 Dudley BS One Year Regular Saver Issue 9 5.00% 4.75% 16/01/2026
All interest rate changes announced as a result of the BOE Base Rate cut on 18/12/25 have now been included in a post, to be updated until the next base rate decision, see the link below:
https://forums.moneysavingexpert.com/discussion/comment/81805599/#Comment_81805599
___________________________________________________________________________________________
A reminder that this is the no chat thread, if you wish to discuss anything relating to regular savers please use The Top Regular Savers Discussion Thread.3 -
Upcoming interest rate changes:
Account Old Rate New Rate Date Leeds BS Home Deposit Saver 4.80% NO CHANGE 04/02/2026 Leeds BS Regular Saver (All Issues except 55 & 58) 4.70% 4.45% 04/02/2026 Leeds BS Regular Saver Issue 55 & 58 4.85% 4.60% 04/02/2026 Suffolk BS 1 Year Variable Rate Regular Saver (31.03.2026) (includes online) 4.60% 4.35% 19/01/2026 Suffolk BS 2 Year Variable Rate Regular Saver (31.12.2026) 4.40% 4.15% 19/01/2026 Suffolk BS Variable Rate Regular Saver (31.05.2026) 4.60% 4.35% 19/01/2026
___________________________________________________________________________________________
A reminder that this is the no chat thread, if you wish to discuss anything relating to regular savers please use The Top Regular Savers Discussion Thread.4 -
Removed from the main regular savers lists:
~~~~~~NLA 31/12/25 ~~~~~~Leeds BS Regular Saver (Issue 72) ~~~ Launched 19/12/25
Interest rate: 4.45% gross p.a. variable
Monthly payment: £0-£250 per calendar month
Miss any payments: Yes, miss as many as you wish
Penalty-free withdrawals: One withdrawal per calendar year (including account closure) is permitted subject to the minimum balance of £100 being maintained. Further withdrawals can be made subject to 30 days loss of interest on the amount withdrawn.
Age of applicant: Aged 18 or over
How to open account: Branch, online or post
Length of account term: Matures 1/12/2027
Maximum balance: £6,000 plus interest
Deposits on non-working days: Treated as having been received the same day.
Special conditions: You may only hold one Leeds Building Society Regular Saver product of any issue at a time. Withdrawals/closure can be made by faster payment over the phone.Latest additions to main regular savers lists:
Leeds BS Regular Saver (Issue 73) ~~~ Launched 31/12/25
Interest rate: 4.45% gross p.a. variable
Monthly payment: £0-£250 per calendar month
Miss any payments: Yes, miss as many as you wish
Penalty-free withdrawals: One withdrawal per calendar year (including account closure) is permitted subject to the minimum balance of £100 being maintained. Further withdrawals can be made subject to 30 days loss of interest on the amount withdrawn.
Age of applicant: Aged 18 or over
How to open account: Branch, online or post
Length of account term: Matures 3/1/2028
Maximum balance: £6,000 plus interest
Deposits on non-working days: Treated as having been received the same day.
Special conditions: You may only hold one Leeds Building Society Regular Saver product of any issue at a time. Withdrawals/closure can be made by faster payment over the phone.
___________________________________________________________________________________________
A reminder that this is the no chat thread, if you wish to discuss anything relating to regular savers please use The Top Regular Savers Discussion Thread.1 -
A summary of changes to the listings on the first page of The Top Regular Savers Discussion Thread between 1st December 2025 and 31st December 2025:
A link to this post is included on the first page of The Archived History Of Regular Savers Thread *** NO CHAT*** thread.Leeds BS Regular Saver (Issue 73) at 4.45% ~~~ Launched 31/12/25
I have now cleared out the recently NLA regular savers list on the first page of The Top Regular Savers Discussion Thread.The following accounts have been added between 1/12/25 and 31/12/25 (see first page of The Top Regular Savers Discussion Thread for details):
Suffolk 1 Year Fixed Rate Regular Saver (28.02.2027) at 5% ~~~ Launched 22/12/25
Suffolk BS Online 1 Year Fixed Rate Regular Saver (28.02.2027) at 5% ~~~ Launched 22/12/25
Dudley BS Festive Regular Saver at 5.5% ~~~ Launched 19/12/25
Newcastle BS First Home Regular Saver (Issue 1) at 4.8% ~~~ Launched 2/12/25
Chorley BS Regular Saver (30.11.2026) at 5.15%~~~ Launched 1/12/25
Chorley BS Regional 2 Year Flexible Saver (30.11.2027) at 5.15% ~~~ Launched 1/12/25
Nottingham BS Branch Regular Saver Issue 6 at 4.25%~~~ Launched 1/12/25
Nottingham BS Online Regular Saver Issue 3 at 4.25%~~~ Launched 1/12/25The following accounts have been removed between 1/12/25 and 31/12/25:
~~~~~~NLA 1/12/25 ~~~~~~Nottingham BS Branch Regular Saver Issue 5 ~~~ Launched 1/10/25
Interest rate: 4.75% AER variable
Monthly payment: £10-£500 per calendar month
Miss any payments: Yes, miss as many as you like
Penalty-free withdrawals: Unlimited withdrawals of £1+ provided at least £10 remains in the account
Age of applicant: Age 16 years old or older
How to open account: Branch only
Length of account term: Matures on 30/11/26
Maximum balance: £7500
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: The most you can withdraw in any one day is £500 in cash, or any amount by cheque.
~~~~~~NLA 1/12/25 ~~~~~~Nottingham BS Online Regular Saver Issue 2 ~~~ Launched 1/10/25
Interest rate: 4.75% AER variable
Monthly payment: £10-£500 per calendar month
Miss any payments: Yes, miss as many as you like
Penalty-free withdrawals: Unlimited withdrawals of £1+ provided at least £10 remains in the account
Age of applicant: Age 18 years old or older
How to open account: Online only
Length of account term: Matures on 30/11/26
Maximum balance: £7500
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: The most you can withdraw in any one day is £500 in cash, or any amount by cheque or online.
~~~~~~NLA 1/12/25 ~~~~~~Leeds BS Regular Saver (Issue 70) ~~~ Launched 31/10/25
Interest rate: 4.7% gross p.a. variable
Monthly payment: £0-£250 per calendar month
Miss any payments: Yes, miss as many as you wish
Penalty-free withdrawals: One withdrawal per calendar year (including account closure) is permitted subject to the minimum balance of £100 being maintained. Further withdrawals can be made subject to 30 days loss of interest on the amount withdrawn.
Age of applicant: Aged 18 or over
How to open account: Branch, online or post
Length of account term: Matures 1/11/2027
Maximum balance: £6,000 plus interest
Deposits on non-working days: Treated as having been received the same day.
Special conditions: You may only hold one Leeds Building Society Regular Saver product of any issue at a time. Withdrawals/closure can be made by faster payment over the phone.
~~~~~~NLA 17/12/25 ~~~~~~Progressive BS Online Regular Rainy Day Saver Account (Issue 4) ~~~ Launched 6/10/25
Interest rate: 7% gross p.a. variable from 6/10/25
Monthly payment: £0-£300 per calendar month
Miss any payments: Yes as many as you like
Penalty-free withdrawals: Yes, 1 withdrawal per day.
Age of applicant: Aged 18 or over
How to open account: Online
Length of account term: 12 months from opening
Maximum balance: £3,600
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: This account can not be closed early, however you can make early withdrawals without penalty. Only one Online Regular Rainy Day-Saver Account (any issue) can be held per person.
~~~~~~NLA 19/12/25 ~~~~~~West Brom BS Fixed Rate Regular Saver (Issue 7) ~~~~~ Relaunched 25/6/25
Interest rate: 6% gross p.a. fixed
Monthly payment: £10-£250 per calendar month
Miss any payments: Yes, as many as you like
Penalty-free withdrawals: No withdrawals or early closure allowed
Age of applicant: Age not specified
How to open account: Branch only
Length of account term: 12 months from the date of opening
Maximum balance: £3,000
Deposits on non-working days: Treated as having been received the same day.
Special conditions: N/A
~~~~~~NLA 22/12/25 ~~~~~~Suffolk 1 Year Fixed Rate Regular Saver (31.01.2027) ~~~ Launched 3/11/25
Interest rate: 5% AER Fixed
Monthly payment: £10-£500 per calendar month
Miss any payments: Yes, as many as you like
Penalty-free withdrawals: None
Age of applicant: At least 16 years old
How to open account: Branch/post
Length of account term: Matures 31/1/2027
Maximum balance: None stated other than £500,000 across all Suffolk BS accounts
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: N/A
~~~~~~NLA 22/12/25 ~~~~~~Suffolk BS Online 1 Year Fixed Rate Regular Saver (31.01.2027) ~~~ Launched 3/11/25
Interest rate: 5% AER Fixed
Monthly payment: £10-£250 per calendar month
Miss any payments: Yes, as many as you like
Penalty-free withdrawals: None
Age of applicant: At least 16 years old
How to open account: Online
Length of account term: Matures 31/1/2027
Maximum balance: None stated other than £500,000 across all Suffolk BS accounts
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: N/AThe following accounts have been and gone between 1/12/25 and 31/12/25:
~~~~~~NLA 19/12/25 ~~~~~~Leeds BS Regular Saver (Issue 71) ~~~ Launched 1/12/25
Interest rate: 4.7% gross p.a. variable
Monthly payment: £0-£250 per calendar month
Miss any payments: Yes, miss as many as you wish
Penalty-free withdrawals: One withdrawal per calendar year (including account closure) is permitted subject to the minimum balance of £100 being maintained. Further withdrawals can be made subject to 30 days loss of interest on the amount withdrawn.
Age of applicant: Aged 18 or over
How to open account: Branch, online or post
Length of account term: Matures 1/12/2027
Maximum balance: £6,000 plus interest
Deposits on non-working days: Treated as having been received the same day.
Special conditions: You may only hold one Leeds Building Society Regular Saver product of any issue at a time. Withdrawals/closure can be made by faster payment over the phone.
~~~~~~NLA 21/12/25 ~~~~~~Dudley BS Festive Regular Saver Online ~~~ Launched 19/12/25
Interest rate: 5.5% AER variable
Monthly payment: £0-£250 per calendar month
Miss any payments: Yes, as many as you wish
Penalty-free withdrawals: Unlimited
Age of applicant: Aged 16 or over
How to open account: Online
Length of account term: 12 months from opening
Maximum balance: £3,250
Deposits on non-working days: Treated as having been received the same day.
Special conditions: n/a
~~~~~~NLA 31/12/25 ~~~~~~Leeds BS Regular Saver (Issue 72) ~~~ Launched 19/12/25
Interest rate: 4.45% gross p.a. variable
Monthly payment: £0-£250 per calendar month
Miss any payments: Yes, miss as many as you wish
Penalty-free withdrawals: One withdrawal per calendar year (including account closure) is permitted subject to the minimum balance of £100 being maintained. Further withdrawals can be made subject to 30 days loss of interest on the amount withdrawn.
Age of applicant: Aged 18 or over
How to open account: Branch, online or post
Length of account term: Matures 1/12/2027
Maximum balance: £6,000 plus interest
Deposits on non-working days: Treated as having been received the same day.
Special conditions: You may only hold one Leeds Building Society Regular Saver product of any issue at a time. Withdrawals/closure can be made by faster payment over the phone.Changes to thresholds:
Previously I was only including accounts where the interest rate is 4.4% or better, or 4.2% if the account has favourable conditions (e.g. you can pay in £500 per month or more, the interest rate is fixed, or if the account matures after at least 2 years).
After reviewing the wider savings landscape over the last couple of months I have chosen to reduce the thresholds for regular savers to be included on the main Regular Savers List.
I am now including accounts where the interest rate is 4.15% or better, or 3.95% if the account has favourable conditions (e.g. you can pay in £500 per month or more, the interest rate is fixed, or if the account matures after at least 2 years).I have now added the following regular savers as they have interest rates that now meet these new thresholds:
Yorkshire Building Society Regular eSaver/saver ~~~ Re-added 31/12/25
Interest rate: 4.25% AER variable from 2/10/25
Monthly payment: £0-£250 per calendar month
Miss any payments: Miss as many payments as you wish
Penalty-free withdrawals: Yes, 2 withdrawal days during the account term.
Age of applicant: Aged 16 or over
How to open account: Online if opening the eSaver, branch/post if opening the other version.
Length of account term: 12 months from opening
Maximum balance: £3,000
Deposits on non-working days: Treated as having been received the same day.
Special conditions: N/A
Saffron BS Children's Regular Saver Issue 2 ~~~ Re-added 31/12/25
Interest rate: 4.2% AER variable from 17/9/25
Monthly payment: £5-£100 per calendar month
Miss any payments: Yes, you can miss as many as you like
Penalty-free withdrawals: As many as you like
Age of applicant: Under 18
How to open account: Branch and post only
Length of account term: 1 year from account opening
Maximum balance: £1,200
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: N/A
Coventry BS Regular Saver (6) ~~~ Re-added 31/12/25
Interest rate: 4.15% gross p.a. variable from 1/9/25
Monthly payment: £0-£500 per account month
Miss any payments: Yes as many as you like
Penalty-free withdrawals: No, withdrawals/closure subject to a penalty of 30 days interest on the funds withdrawn. The penalty for closing the account is waived if Coventry BS have announced a cut to the interest rate of this account in the last 30 days.
Age of applicant: Aged 16 or over
How to open account: Online, branch, post, telephone
Length of account term: 12 months from opening
Maximum balance: N/A
Deposits on non-working days: Treated as having been received the same day.
Special conditions: N/A
Saffron BS Small Saver ~~~ Re-added 31/12/25
Interest rate: 4.15% AER variable from 17/9/25
Monthly payment: £1-£50 per calendar month
Miss any payments: No stated penalty for missing any payments
Penalty-free withdrawals: Yes, one per month
Age of applicant: At least 16 years old
How to open account: Branch, online or post
Length of account term: 12 months from the date of opening
Maximum balance: £600
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: You can only hold one Regular Saver or Small Saver per customer, be it held in sole or joint name(s), with Saffron Building Society at a time.
Hinckley and Rugby BS Regular Saver 30 Day Notice Account (Issue 2) ~~~ Re-added 31/12/25
Interest rate: 4.1% AER variable from 29/8/25 (reduces to 4% from 16/1/26)
Monthly payment: £1-£1,000 per calendar month
Miss any payments: No stated penalty for missing any payments
Penalty-free withdrawals: As many as you want but you have to provide 30 days' notice in writing, by telephone or in branch. Withdrawals can be made by cash (up to £500 per day) or by cheque.
Age of applicant: Aged 13 years old or older
How to open account: Branch or post
Length of account term: 24 months from opening
Maximum balance: N/A
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: The account matures after 24 months. You can only hold one Regular Saver account (irrespective of the issue number) at any time.
Saffron BS Braintree Regular Saver ~~~ Added 31/12/25
Interest rate: 4% AER variable from 25/11/25
Monthly payment: £1-£250 per calendar month
Miss any payments: No stated penalty for missing any payments
Penalty-free withdrawals: Unlimited
Age of applicant: At least 16 years old
How to open account: Braintree branch only
Length of account term: 36 months from the date of opening
Maximum balance: £9,000
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: You can only hold one Regular Saver or Small Saver per customer, be it held in sole or joint name(s), with Saffron Building Society at a time.
Principality BS 3 Year Children's Regular Saver ~~~ Added 31/12/25
Interest rate: 4% AER Fixed
Monthly payment: £1-£150 per calendar month
Miss any payments: Miss as many as you wish
Penalty-free withdrawals: Early closure only
Age of applicant: Under 16
How to open account: Branch/post
Length of account term: 3 years from the date of opening
Maximum balance: £5,400
Deposits on non-working days: Treated as having been received the same day.
Special conditions: The account must be opened for a child under 14 as a trust account. For a child aged 14 to 15 the account can be opened as a trust account or managed by themselves.
Cumberland BS First Home Saver Account (Issue 2) ~~~ Added 31/12/25
Interest rate: 4% gross p.a. variable from 7/10/25
Monthly payment: £100-£1,500 per calendar month
Miss any payments: If you miss 2 or more consecutive payments, the account will be closed and the account balance transferred to an alternative instant access or savings account
Penalty-free withdrawals: Yes, subject to 90 days notice being given, withdrawals on demand are subject to 90 days loss of interest on the amount withdrawn
Age of applicant: Aged 16 years or older
How to open account: Branch
Length of account term: 12 months from account opening
Maximum balance: £25,000 plus interest
Deposits on non-working days: Treated as having been received the same day.
Special conditions: This account is only available to open for first time buyers, over the age of 16, who are Cumberland current account customers.
Saffron BS 12 Month Members' Regular Saver (Issue 2) ~~~ Re-added 31/12/25
Interest rate: 3.95% AER variable from 17/9/25
Monthly payment: £50-£500 per calendar month
Miss any payments: No stated penalty for missing any payments
Penalty-free withdrawals: Unlimited
Age of applicant: At least 16 years old
How to open account: Branch, online or post
Length of account term: 12 months from the date of opening
Maximum balance: £6000
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: You must have held a savings or mortgage account with Saffron for 12 months. Alternatively you must have been a signatory, Power of Attorney or Court of Protection with Saffron for at least 12 months. You can only hold one Regular Saver or Small Saver per customer, be it held in sole or joint name(s), with Saffron Building Society at a time.
___________________________________________________________________________________________
A reminder that this is the no chat thread, if you wish to discuss anything relating to regular savers please use The Top Regular Savers Discussion Thread.5 -
Latest additions to main regular savers lists:
Chorley BS Regular Saver (31.12.2026)~~~ Launched 2/1/26
Interest rate: 5.15% gross p.a. variable (reduces to 5.1% from 16/1/26)
Monthly payment: £25-£400 per calendar month
Miss any payments: Yes, miss as many as you like
Penalty-free withdrawals: None, but the account can be closed early without penalty
Age of applicant: Age 18 years old or older
How to open account: Branch, post or online
Length of account term: Matures on 31/12/26
Maximum balance: N/A
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: Initial deposit must be received by 31/1/26. Only one Regular Saver, one Seasonal Saver and one Regional 2 Year Flexible Saver can be held in any 12 month rolling period
Chorley BS Regional 2 Year Flexible Saver (31.12.2027)~~~ Launched 2/1/26
Interest rate: 5.15% gross p.a. variable (reduces to 5.1% from 16/1/26)
Monthly payment: £25-£400 per calendar month
Miss any payments: Yes, miss as many as you like
Penalty-free withdrawals: 2 withdrawals per year excluding early closure. If more than 2 withdrawals are made within a 12 month period the account shall be closed.
Age of applicant: Age 18 years old or older
How to open account: Branch, post or online
Length of account term: Matures on 31/12/27
Maximum balance: N/A
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: Initial deposit must be received by the 31/1/26. Only one Regular Saver, one Seasonal Saver and one Regional 2 Year Flexible Saver can be held in any 12 month rolling period. Must live in one of the following postcode areas (CA, FY, PR, LA, WN, BL, L, WA, BB, CH, M, SK, CW, OL).Removed from the main regular savers lists:
~~~~~~NLA 2/1/26 ~~~~~~Chorley BS Regular Saver (30.11.2026)~~~ Launched 1/12/25
Interest rate: 5.15% gross p.a. variable (reduces to 5.1% from 16/1/26)
Monthly payment: £25-£400 per calendar month
Miss any payments: Yes, miss as many as you like
Penalty-free withdrawals: None, but the account can be closed early without penalty
Age of applicant: Age 18 years old or older
How to open account: Branch, post or online
Length of account term: Matures on 30/11/26
Maximum balance: N/A
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: Initial deposit must be received by 31/12/25. Only one Regular Saver, one Seasonal Saver and one Regional 2 Year Flexible Saver can be held in any 12 month rolling period
~~~~~~NLA 2/1/26 ~~~~~~Chorley BS Regional 2 Year Flexible Saver (30.11.2027)~~~ Launched 1/12/25
Interest rate: 5.15% gross p.a. variable (reduces to 5.1% from 16/1/26)
Monthly payment: £25-£400 per calendar month
Miss any payments: Yes, miss as many as you like
Penalty-free withdrawals: 2 withdrawals per year excluding early closure. If more than 2 withdrawals are made within a 12 month period the account shall be closed.
Age of applicant: Age 18 years old or older
How to open account: Branch, post or online
Length of account term: Matures on 30/11/27
Maximum balance: N/A
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: Initial deposit must be received by the 31/12/25. Only one Regular Saver, one Seasonal Saver and one Regional 2 Year Flexible Saver can be held in any 12 month rolling period. Must live in one of the following postcode areas (CA, FY, PR, LA, WN, BL, L, WA, BB, CH, M, SK, CW, OL).Upcoming interest rate changes:
Account Old Rate New Rate Date Coventry BS Children's Regular Saver 3.65% 3.40% 20/01/2026 Coventry BS First Home Saver (2) 4.50% 4.25% 19/01/2026 Coventry BS Loyalty Mortgage RS (2) 4.80% 4.55% 20/01/2026 Coventry BS Loyalty Regular Saver (3) 4.90% 4.65% 19/01/2026 Coventry BS Loyalty Seasonal Saver 5.25% 5.00% 19/01/2026 Coventry BS Regular Saver 3.95% 3.70% 19/01/2026 Coventry BS Regular Saver (6) 4.15% 4.00% 19/01/2026 Coventry BS Young Saver 4.25% 4.00% 19/01/2026 Hanley Economic 1 Year Branch Smart Saver (TAR09) 6.50% 6.30% 01/02/2026 Hanley Economic 1 Year Online Smart Saver (TAR10) 6.50% 6.30% 01/02/2026 Hanley Economic Branch Regular Saver 1.45% 1.20% 01/02/2026 Hanley Economic Online Regular Saver 4.15% 3.90% 01/02/2026 Hanley Economic Regular Saver 1.45% 1.20% 01/02/2026
___________________________________________________________________________________________
A reminder that this is the no chat thread, if you wish to discuss anything relating to regular savers please use The Top Regular Savers Discussion Thread.12 -
Latest additions to main regular savers lists:
Swansea BS Regular Monthly Saver ~~~ Added 3/1/26***
Interest rate: 4.07% AER (4% gross) variable
Monthly payment: £25-£1500 calendar month
Miss any payments: No- Account closed if payments are missed.
Penalty-free withdrawals: Unlimited provided each withdrawal is at least £1
Age of applicant: Age 18 or over
How to open account: Branch or post
Length of account term: No end date with caveat (see below)
Maximum balance: £18,000
Deposits on non-working days: Treated as having been received the same day.
Special conditions: To open an account, you must be resident in Wales. *** Was eligible for inclusion from 31/12/25 but not spotted until 3/1/26. The account balance after 12 months from account opening must be paid away from the account into the designated instant access account held at the Society. However, the account holder(s) can continue to pay monthly into this account without a break in deposits. The account holder(s) will be written to at the time of the annual anniversary of the account opening with confirmation of the transfer made.Upcoming interest rate changes:
Account Old Rate New Rate Date Darlington BS 12 Month Regular Saver Issue 1 4.75% 4.50% 20/01/2026 Darlington BS 12 Month Regular Saver Issue 2 6.00% 5.75% 20/01/2026 Darlington BS 12 Month Regular Saver Issue 3 4.75% NO CHANGE 20/01/2026
___________________________________________________________________________________________
A reminder that this is the no chat thread, if you wish to discuss anything relating to regular savers please use The Top Regular Savers Discussion Thread.4 -
Latest additions to main regular savers lists:
West Brom BS Winter Ready savings account ~~~ Launched 5/1/26
Interest rate: 6% gross p.a. fixed
Monthly payment: £1-£100 per calendar month
Miss any payments: No stated penalty for missing payments
Penalty-free withdrawals: None until maturity
Age of applicant: No minimum
How to open account: Branch or online
Length of account term: Matures 31/10/26
Maximum balance: £1,000
Deposits on non-working days: Treated as having been received the same day.
Special conditions: If you make 5 or more deposits of £1+ during the account term you'll be entered into a prize draw in which you could win £250.Upcoming interest rate changes:
Account Old Rate New Rate Date Manchester BS Festive Regular Saver 6.50% NO CHANGE 21/01/2026 Manchester BS Regular Saver Issue 1 5.50% 5.40% 21/01/2026 Newcastle BS Festive Regular Saver 6.50% NO CHANGE 21/01/2026 Newcastle BS First Home Regular Saver (Issue 1) 4.80% NO CHANGE 21/01/2026 Newcastle BS Monument Regular Saver 5.50% 5.40% 21/01/2026 Newcastle BS Newcastle Regular Saver (Issue 1) 5.25% 5.15% 21/01/2026
___________________________________________________________________________________________
A reminder that this is the no chat thread, if you wish to discuss anything relating to regular savers please use The Top Regular Savers Discussion Thread.4 -
Latest additions to main regular savers lists:
Harpenden BS 18-30 Regular Saver (Issue 1) ~~~ Launched 6/1/26
Interest rate: 6% gross p.a. variable from 6/1/26
Monthly payment: £0-£200 per calendar month
Miss any payments: Yes many as you wish
Penalty-free withdrawals: Unlimited
Age of applicant: Aged 18-30
How to open account: Online only
Length of account term: 12 months from opening
Maximum balance: N/A
Deposits on non-working days: Treated as having been received the next working day.Special conditions: N/AUpcoming interest rate changes:
Account Old Rate New Rate Date Scottish BS Regular Saver 6.50% 6.00% 30/01/2026 Vernon Online Regular Saver 5.75% NO CHANGE 01/02/2026 YBS 50 Pound Regular Saver/eSaver 6.00% NO CHANGE 05/02/2026 YBS First Home Saver/eSaver 4.70% NO CHANGE 05/02/2026 YBS Loyalty Regular Saver/eSaver 4.85% NO CHANGE 05/02/2026 YBS Regular Saver/eSaver 4.25% NO CHANGE 05/02/2026 A Change to the Categories on P1 of The Top Regular Savers Discussion Thread:
I've tweaked the categories on P1 of The Top Regular Savers Discussion Thread slightly as the maximum age of 30 for the Harpenden BS 18-30 Regular Saver shall make a lot of people ineligible, thus p1 of the thread now stipulates that for an account to be included in the Open to All section it must have no maximum age for the applicant, thus Harpenden RS offering today shall be added to the newly renamed Local/Loyal/Beta/Age Restricted/New Member Only accounts section.
___________________________________________________________________________________________
A reminder that this is the no chat thread, if you wish to discuss anything relating to regular savers please use The Top Regular Savers Discussion Thread.5
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353.1K Banking & Borrowing
- 254K Reduce Debt & Boost Income
- 454.8K Spending & Discounts
- 246.2K Work, Benefits & Business
- 602.3K Mortgages, Homes & Bills
- 177.9K Life & Family
- 260.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards