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

Slinky · 27 December 2025 at 10:38PM

Well I've cancelled them, but they're still showing in the list of payments to be made (Santander). Will check on Monday to see if the cancellations have been processed.

I will probably try my luck with Principality so I'd rather not draw attention to myself in advance.

Dizzycap · 27 December 2025 at 11:52PM

jameseonline said:

Just requested all of my Principality 6 month balance to come to my Virgin account tomorrow

I've done exactly the same with my Healthy Habits RS maturing in January as my last attempt on the 22nd December at opening another PBS Chrissy RS with my maturity instructions hit the decks 2 days later, so it's a waste of time even trying - loophole closing even tighter by the minute and certainly time to move on

As a side note Dudley BS: Has anyone managed to get both the Dudley BS Festive RS Online & Branch/Post RS? If so, can you see your Branch/Post edition online? I sent off an application form on the single day the online version was available which I managed to open by using my phone, but still haven't had my cheque cashed or received any correcpondance from Dudley about my postal application.

WillPS · 28 December 2025 at 12:55AM

Hattie627 said:

If you have more than the permitted number of any issue of Principality, probably best not to draw attention to yourself by trying to pay in more than allowed balance into any particular account. Monetary gain negligible. Risk of a human taking a look over your account list cannot be ascertained but could be significant and possibly outweigh any benefit. YVMV.

Not sure I see the risk. If they "took exception", they'd just be closing an account which was within a month of maturity. Renewal duplicates are being closed regardless.

There's no evidence of this ever happening, either.

Go for it, I say. They might bounce your overpayment, as it their right.

Bridlington1 · 28 December 2025 at 6:22AM

It's been 1 year since this version of the thread was launched

Today marks 1 year since Special_Saver2 handed this thread to me. There's been a few things happening since this version of the thread was launched:

The Archived History Of Regular Savers Thread *** NO CHAT*** thread took on the function of being a no chat regular savers thread.
In total 116 accounts were added to p1 of this thread, 124 were removed.
The BOE Base Rate has been reduced 4 times, falling from 4.75% to 3.75%, lists of the interest rate cuts that came as a result of them were posted, links to them have been included on p1 of the archived thread.
Thresholds for accounts to be included on p1 of this thread were reduced 3 times and increased once, overall falling from 4.75% or 4.5% where the account has favourable conditions to 4.4% or 4.2% where the account has favourable conditions. Thresholds are going to be decreased again next week, I'll do this as part of my Monthly Update on Wednesday.
A recent additions section was added to p1 of the thread.
The Regular Saver Timeline Spreadsheet was launched. There's been 3 lots of ``Regular Saver Snapshots" published, these ware added to the read only spreadsheet that was also launched this year.
The opening posts of both this thread and the archived thread were also restructured at one point to break them up into clearer sections.

I'd like to take the opportunity to thank all those who have shared their knowledge, expertise and insight on this thread over the last 12 months and hope that the next year proves to be a prosperous one for each of you.

10_66 · 28 December 2025 at 8:02AM

Dizzycap said:
As a side note Dudley BS: Has anyone managed to get both the Dudley BS Festive RS Online & Branch/Post RS? If so, can you see your Branch/Post edition online? I sent off an application form on the single day the online version was available which I managed to open by using my phone, but still haven't had my cheque cashed or received any correcpondance from Dudley about my postal application.

Yes, posted (think on the 20th), opened on 23rd and cheque payment showing online.

happybagger · 28 December 2025 at 9:55AM

Dizzycap said:
As a side note Dudley BS: Has anyone managed to get both the Dudley BS Festive RS Online & Branch/Post RS? If so, can you see your Branch/Post edition online?

Yes and yes.