The Archived History Of Regular Savers Thread *** NO CHAT***

Bridlington1

Latest additions to main regular savers lists:

Skipton Home Deposit Saver (Issue 3) ~~~ Launched 6/2/25

Interest rate: 4.56% gross p.a. variable
Monthly payment: £0-£500 per calendar month
Miss any payments: Yes, as many as you wish
Penalty-free withdrawals: No withdrawals except for account closure, which you can do without notice and without penalty
Age of applicant: Aged 16 years old or older
How to open account: Branch, online, telephone or post
Length of account term: 24 months from date of first deposit
Maximum balance: £12,000 plus interest
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: Any unused monthly allowances can be rolled over to future months, up to a maximum of £12,000 over the 24 month term.


Removed from main regular savers lists:

~~~~~~NLA 6/2/25 ~~~~~~Skipton Home Deposit Saver (Issue 2)

Interest rate: 4.81% gross p.a. variable (this interest rate first noted 7th November 2024)
Monthly payment: £0-£500 per calendar month
Miss any payments: Yes, as many as you wish
Penalty-free withdrawals: No withdrawals except for account closure, which you can do without notice and without penalty
Age of applicant: Aged 16 years old or older
How to open account: Branch, online, telephone or post
Length of account term: 24 months from date of first deposit
Maximum balance: £12,000 plus interest
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: Any unused monthly allowances can be rolled over to future months, up to a maximum of £12,000 over the 24 month term.


Upcoming interest rate changes:

Yorkshire BS Loyalty Regular Saver/eSaver reduces from 5.45% to 5.25% on 11/3/25

Yorkshire Building Society Regular eSaver/saver reduces from 4.85% to 4.65% on 11/3/25

Skipton BS Member Regular Saver (Issue 4) to reduce from 6.75% to 6.5% within the next 14 days (date TBC, tracks 2% above BOE Base Rate)

Confirmed no interest rate changes following BOE Base Rate Change:

Yorkshire BS First Home eSaver/Saver remains at 4.7%

Yorkshire Building Society Christmas 2025 eSaver/saver remains at 5%

YBS £50 Regular eSaver/Saver (NLA) remains at 8%

YBS Loyalty 2023 Regular eSaver/Saver (NLA) remains at 7%


Following the BOE Base Rate cut from 4.75% to 4.5% on 6th February 2025 thresholds for regular savers to be included in the main regular savers list remain as they are for now but are under review. Depending on how the savings landscape changes over the coming weeks I may alter them.

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.

cricidmuslibale

@Bridlington1 You omitted to mention above the YBS Christmas Regular Saver which remains at 5%.

Bridlington1

Latest additions to main regular savers lists:

Leeds BS Home Deposit Saver (Issue 3) ~~~ Launched 7/2/25

Interest rate: 4.9% gross p.a. variable
Monthly payment: £0-£500 per calendar month
Miss any payments: No stated penalties for missing any payments
Penalty-free withdrawals: One penalty free withdrawal per calendar year excluding closure subject to the minimum balance of £100 being maintained
Age of applicant: Aged 18 or older
How to open account: Branch or post
Length of account term: No maturity date
Maximum balance: £30,000 plus interest
Deposits on non-working days: Treated as having been received the same day.
Special conditions: There is a £500 bonus if you take out a residential mortgage subject to certain conditions (see website for more details). Withdrawals/closure can be made by faster payment over the phone.

Chorley BS Regular Saver (31.01.2026)  ~~~ Launched 7/2/25
Interest rate: 5.15% gross p.a. variable
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 31/1/26
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 28/2/25. Only one Regular Saver and one Seasonal Saver can be held in any 12 month rolling period.


Removed from main regular savers lists:

~~~~~~NLA 7/2/25 ~~~~~~Leeds BS Home Deposit Saver (Issue 2)

Interest rate: 5.05% gross p.a. variable
Monthly payment: £0-£500 per calendar month
Miss any payments: No stated penalties for missing any payments
Penalty-free withdrawals: One penalty free withdrawal per calendar year excluding closure subject to the minimum balance of £100 being maintained
Age of applicant: Aged 18 or older
How to open account: Branch or post
Length of account term: No maturity date
Maximum balance: £30,000 plus interest
Deposits on non-working days: Treated as having been received the same day.
Special conditions: There is a £500 bonus if you take out a residential mortgage subject to certain conditions (see website for more details). Withdrawals/closure can be made by faster payment over the phone.

~~~~~~NLA 7/2/25 ~~~~~~Chorley BS Regular Saver (31.12.2025)  ~~~ Launched 2/1/25
Interest rate: 5.15% gross p.a. variable
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 31/12/25
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 31/1/25. Only one Regular Saver and one Seasonal Saver can be held in any 12 month rolling period.


Upcoming interest rate changes:

Principality BS 1 Year Triple Access Regular Saver reduces from 5.6% to 5.4% on 13/3/25

Principality BS First Home Steps Savings Account (Issue 5) reduces from 4.85% to 4.65% on 13/3/25

Vernon BS Online Regular Saver reduces from 6.5% to 6.25% on 3/3/25

Leek BS Regular Saver Account (Issue 3) reduces from 4.85% to 4.6% on 3/3/25


Confirmed no interest rate changes following BOE Base Rate Change:

Co-operative Bank Regular Saver remains at 7%

NatWest Digital Regular Saver Account remains at 6.17% AER for balances of £5k or less

Royal Bank of Scotland Digital Regular Saver Account remains at 6.17% AER for balances of £5k or less


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.

Bridlington1

Following the BOE Base Rate cut from 4.75% to 4.5% on 6/2/25 I have listed the regular savers that have announced what they shall be doing with their interest rates in response. I shall maintain it until the next BOE Base Rate decision is made (expected 20/3/25). This list can be found below:

https://forums.moneysavingexpert.com/discussion/comment/81278095/#Comment_81278095

For future reference the above link has been included on the first page of this thread where it shall remain indefinitely.

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.

Bridlington1

Removed from main regular savers lists:

~~~~~~NLA 11/2/25 ~~~~~~Furness BS 1 Year Regular Saver (Issue 5)
Interest rate: 4.75% gross p.a. variable
Monthly payment: £1-£250 per calendar month
Miss any payments: No If a monthly payment is missed they will give you 14 days written notice and transfer your balance to an access account and the relevant interest rate will apply from this date. 
Penalty-free withdrawals: Yes, 1 withdrawal during the account term, additional withdrawals will result in the account being converted into an access account..
Age of applicant: Aged 16 or over
How to open account: Online, branch and post
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: Payments in are credited the working day after being sent.

Replaced by Issue 6 at 4.5%, the rate of which is currently too low to meet the criteria necessary to be included on the main list of regular savers. 


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.

Bridlington1

Upcoming interest rate changes:

Stafford BS Regular Saver (Issue 1) from 4.9% to 4.75% from 1/3/25
Bath BS 16-25 Regular Saver from 7.09% to 6.89% from 3/3/25
Bath BS Homestart Regular Saver from 4.54% to 4.34% from 3/3/25

Interest rate changes that came into effect before I'd noticed them:
Skipton BS Member Regular Saver (Issue 4) from 6.75% to 6.5% from 10/2/25


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.

Bridlington1

Upcoming interest rate changes:

Darlington BS 12 Month Regular Saver from 5.1% to 5% on 3/3/25

HRBS Regular Saver 30 Day Notice Account (NLA) from 4.75% to 4.5% on 28/2/25


Confirmed no interest rate changes following BOE Base Rate Change:

Hinckley and Rugby BS Regular Saver 30 Day Notice Account (Issue 2) remains at 4.6%

Newcastle BS Regular Saver (Issue 1) remains at 5.5%



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.

Bridlington1

Upcoming interest rate changes:

Skipton Home Deposit Saver Issue 1 from 4.81% to 4.56% from 10/3/25

Mansfield BS Regular Savings (Issue 8) from 5.85% to 5.6% (includes 1.85% bonus for first 12 months) from 7/3/25

Mansfield BS Young Regular Saver (3rd Issue) from 4.5% to 4.25% from 7/3/25

Leeds BS REGULAR SAVER (ISSUE 40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 56, 57, 59 & 60) from 4.95% to 4.8% from 21/3/25

Leeds BS REGULAR SAVER (ISSUE 55 & 58) from 5.1% to 4.95% from 21/3/25

Leeds BS HOME DEPOSIT SAVER (ISSUE 1 & 2) from 5.1% to 4.9% from 21/3/25

Coventry BS from 3/3/25:
Regular Saver (issue 6) from 4.75% to 4.5%
First Home Saver (NLA) from 5.1% to 4.85%
Sunny Day Saver (NLA) from 6.25% to 6%
Loyalty Seasonal Saver (NLA) from 6% to 5.75%
Regular Saver 5 (NLA) from 5% to 4.75%
Colleague Regular Saver (NLA) from 5% to 4.75%
Loyalty Regular Saver (2) (NLA) from 6.25% to 6%
Loyalty Mortgage Saver (NLA) from 6% to 5.75%
Regular Savings Account (NLA) from 4.55% to 4.3%

Confirmed no interest rate changes following BOE Base Rate Change:

Coventry BS First Home Saver (Issue 2) remains at 4.8%



EDIT: Typos corrected.


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.

Bridlington1

Latest addition to main regular savers lists:

Nottingham BS Branch Regular Saver 2 ~~~ Launched 17/2/25
Interest rate: 4.75% gross p.a. 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 30/4/26
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.



Removed from main regular savers lists:

~~~~~~NLA 17/2/25 ~~~~~~Loughborough Holiday Monthly Saver: Maturity Date 31st May 2026~~~ Launched 3/2/25

Interest rate: 5.6% gross p.a. variable
Monthly payment: £1-£250 per calendar month ***
Miss any payments: No. If you miss a monthly payment, the account will be closed and transferred to a Regular Saver issue 1 (currently at 2.5%).
Penalty-free withdrawals: One withdrawal per account year (1st June to 31st May) excluding closure
Age of applicant: Aged 16 or over
How to open account: Branch or post
Length of account term: Matures 31/5/2026
Maximum balance: £4,000 plus interest
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: *** This must be as a single payment, multiple deposits within the same month are not permitted even if the total amount deposited is less than £250.

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.

Bridlington1

Latest additions to main regular savers lists:

State Bank of India Regular Saver Account Issue 2 ~~~ Launched 14/2/25***
Interest rate: 4.5% gross p.a. fixed
Monthly payment: £20-£1,000 per calendar month
Miss any payments: None; if the minimum deposit is not made during a month, the interest rate will drop to the prevailing Instant Access Savings Account interest rate for that month
Penalty-free withdrawals: None; you will earn interest at a lower rate – the same rate offered on their Instant Access Savings Account for the month in which a withdrawal is made
Age of applicant: 18 years or over
How to open account: To open a Regular Savers account, you must first have an SBIUK Instant Access Savings Account or Current Account. You can open this by visiting one of the SBIUK branches.
Length of account term: 12 months from the date of opening
Maximum balance: N/A
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: You must have a current account or instant access savings account with them and use this to deposit funds into the regular saver account  *** Account added to lists on 19/2/25 but appears to have been launched on 14/2/25.


Removed from main regular savers lists:

~~~~~~NLA 14/2/25*** ~~~~~~State Bank of India Regular Saver Account
Interest rate: 5% gross p.a. fixed
Monthly payment: £20-£1,000 per calendar month
Miss any payments: None; if the minimum deposit is not made during a month, the interest rate will drop to the prevailing Instant Access Savings Account interest rate for that month
Penalty-free withdrawals: None; you will earn interest at a lower rate – the same rate offered on their Instant Access Savings Account for the month in which a withdrawal is made
Age of applicant: 18 years or over
How to open account: To open a Regular Savers account, you must first have an SBIUK Instant Access Savings Account or Current Account. You can open this by visiting one of the SBIUK branches.
Length of account term: 12 months from the date of opening
Maximum balance: N/A
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: You must have a current account or instant access savings account with them and use this to deposit funds into the regular saver account  *** Account removed from lists on 19/2/25 but appears to have gone NLA on 14/2/25.


Upcoming interest rate changes:

Online Regular Rainy Day Saver Account Issue 1 (NLA) from 6.75% to 6.5% from 5/3/25

Progressive BS Online Regular Rainy Day Saver Account (Issue 3) from 6% to 5.75% from 5/3/25



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.