The Old Regular Savers Discussion Thread 28/12/24-29/1/26

flaneurs_lobster

clairec666 said:

While we're on the topic, I asked earlier if anyone had experience of refreshing Monmouthshire regular saver issue 8, but I think my comment got lost in other conversations. Any feedback on this? Good/bad/quick/slow?

I wouldn't be at all surprised if the reason that no-one has replied is because no-one has had the cojones to even try this with MonBS. People with rather more accounts than are actually allowed for in the T&Cs probably doesn't help either..

dcs34

Kim_13 said:

Loughborough have sent a copy of the rate reductions in the post. They neglected to include the account name and listed 0.20% reduction next to an empty box 😂 A full list of all their rates was enclosed so they probably won’t have to issue a correction.

Same here, though with two accounts I received two copies of the letter and leaflet. I guess technically that's good enough in terms of notice of interest reductions! But it does seem they forgot to add the account type to the letter when doing the 'mail merge'!

Bridlington1

happybagger said:

Chorley BS w/e 16/1/26, slight change:

Regular Saver (all issues, NLA and open) from 5.15 to 5.10%
Regional 2 Year Flexible Saver also from 5.15 to 5.10%

source: email

In addition to the above it's now been confirmed their Home Saver is going to be unaffected by the above changes so remains at 4.25%.

Whilst I'm here the interest rate reductions for the Skipton tracker accounts has now come into effect so their Members RS (Issues 4 & 5) and Regular Saver (Issues 1 & 2) have fallen to 5.75% and 5.25% respectively. These changes shall be reflected on p1 of this thread shortly.

s71hj

flaneurs_lobster said:

clairec666 said:

While we're on the topic, I asked earlier if anyone had experience of refreshing Monmouthshire regular saver issue 8, but I think my comment got lost in other conversations. Any feedback on this? Good/bad/quick/slow?

I wouldn't be at all surprised if the reason that no-one has replied is because no-one has had the cojones to even try this with MonBS. People with rather more accounts than are actually allowed for in the T&Cs probably doesn't help either..

100% this, to the extent that I was on the verge of replying with exactly that!!! Same with Principality 

clairec666

flaneurs_lobster said:

clairec666 said:

While we're on the topic, I asked earlier if anyone had experience of refreshing Monmouthshire regular saver issue 8, but I think my comment got lost in other conversations. Any feedback on this? Good/bad/quick/slow?

I wouldn't be at all surprised if the reason that no-one has replied is because no-one has had the cojones to even try this with MonBS. People with rather more accounts than are actually allowed for in the T&Cs probably doesn't help either..

Fair point - from my experiences with their app, I would have doubts that it would run smoothly.

I've only got the allowed number of accounts, so no harm in attracting Monmouthshire's attention. I wouldn't want to completely mess things up though. Hence why I was wondering if anyone else had succeeded.

Pickledonionlover

dcs34 said:

Kim_13 said:

Loughborough have sent a copy of the rate reductions in the post. They neglected to include the account name and listed 0.20% reduction next to an empty box 😂 A full list of all their rates was enclosed so they probably won’t have to issue a correction.

Same here, though with two accounts I received two copies of the letter and leaflet. I guess technically that's good enough in terms of notice of interest reductions! But it does seem they forgot to add the account type to the letter when doing the 'mail merge'!

I received two letters yesterday too which have no indication (I have more than than two accounts with them) which accounts were impacted.

I resorted to this leaflet below.

@Bridlington1

https://www.theloughborough.co.uk/wp-content/uploads/2025/10/Interest-Rate-Poster-5-January-2026-1.pdf

saverkev

dibbles212 said:

Refreshing Advice

Does anyone have advice for "refreshing" RS accounts? Anything to look out for? For example, could I simply close my Lloyds 5.25% RS, receieve all interest and money up to that point, and then re-open? Are there preferable accounts or accounts to avoid for this?

Lloyds

Lloyds terms state you cannot open another RS until the full 12 month term has ended even if you close your current one. However it is possible to do it by reducing the balance to £5 or less and then renew the account into an easy saver. A new RS can then be opened.

topyam

Just opened a Chorley RS...

How long does it take for a payment to show up online?

Hattie627

topyam said:

Just opened a Chorley RS...

How long does it take for a payment to show up online?

If you sent the payment by FP, it will normally show on the Chorley system around 10am on the second business day after you sent it.

With Christmas, it won't show until next Monday.

Dizzycap

Archerychick said:

Dizzycap said:

judgingjudy said:

RBS Digital Regular Saver

I’ve had a payment bounced back today for funds I’ve added to this account to replace money that was withdrawn earlier in the month. 

The amount seems random as I’d taken out about £1425 on the 2nd, funded it last week with around £1220 from a matured Principality RS so had another £200 or so to pay back in when I get paid on Monday. 

They’ve today returned £676 and a few pence to me, saying I can only add £150 per month. Don’t know where they got the £676.xx from, and I’ve not had this problem before, but I’m not going to pick at that thread as it doesn’t actually state anywhere in the T&Cs that this is permitted, and I don’t want to draw attention to the fact I’ve done this a couple of times. 

A shame if this loophole has been closed, especially on the day an interest rate cut has been announced (although at 5.25% this account will be now less attractive than my ISA)

I had the same with my RBS Digital RS. I withdrew £2k on the 5th December and replaced it back in full on the 12th only to have £1099 (?) returned to my RBS Current account with the message you can only deposit £150 per month. As the interest rate for the digital RS will be cut to 5.25% as of 19th January 2026, I'm in no rush to replace the returned amount and will just add monthly funds with whats left over / compound interest.

The same has also happened with my Natwest Digital RS (Interest rate cut to 5.25% as of 19th January 2026) It was a nice loophole while it lasted!

Is anyone having issues with trying to open a Dudley BS 5.5% Var Online Festive RS? I keep getting an unsuccessful due to technical issues message along with the BS telephone number after submitting my online application?

How quickly did your funds bounce back from the NatWest RS? I had taken some funds out at the start of this month to fund other RS, and put back in £200 of it yesterday lunchtime. This hasn’t bounced back into my current account yet. 

It took 3 days to bounce back into my NatWest current account    I'd just got my NatWest digital RS to £4600 and was going to stop funding it and just let the interest compound. However, I've now utilised some of the returned funds into 2 x 5.5% fixed rate RS, so a silver lining. At the moment I'm not intending to fund either of my digital RS as with the reduced interest rate of 5.25% var, they're less attractive than other new RS I have opened. but still available for any interest overspill from matured RS that can't be utilised elsewhere  Swings & roundabouts.