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

allegro120

Speculator said:

SloughSally said:

I’ve always feed my Nationwide Regular savings with a transfer from my Chase account into NW Flex account then internal transfer to my RS.

For whatever reason it’s not allowing me to do the internal transfer now, instead prompting me to set up a standing order, no big deal but will just have to make sure there is enough in the flex account to cover the standing order on the 1st of each month.
This is on the mobile app, online may be different , Ive not tried

Why not transfer the funds directly from your Chase to your NW regular saver?

I always fund Nationwide RS via Flexdirect CA. I guess this is no more than a habit, but it becomes useful at this time of the year.  There's a good chance that they will continue with Fairer Share £100 project, so I would deposit £500 to CA anyway.

SH88SH88

Bobblehat said:

Bob2000 said:

Bobblehat said:

Bob2000 said:

WEST BROWWICH WINTER SAVER.

I applied for the account  yesterday noon and then received  a text and email that they were checking my ID.
Today at 10.26am, I had another email stating  that they needed  additional ID, so I resent my passport. 

Just got in, and it looks like the account  is open.
So do l apply to register for online access  or wait for WB to send me an email/letter?

I would wait until tomorrow. It seems, according to WB's CS agent, that they send the email out when the account is "almost fully" open! I got my email today and failed to open the online access after a couple of tries, but was told it should work tomorrow. You should get another email tomorrow with details of how to register for online access. 

Others on here have tried to fund it today and failed with COP, although some might have succeeded. Tomorrow should give a more certain level of success.

Ok, thanks for that reply.
Fingers crossed for  tomorrow. 

West Brom ....
Online access email arrived 9.00am. Registering was straightforward and online access to see RS account happened as soon as the PIN was set up .... despite the message saying access will be available by tomorrow!

Not trying to be pedantic,  but ... I think the message says you can't withdraw money or change contact details until tomorrow,  it says you can use the PIN to manage the account immediately.  I do agree that it's slightly ambiguous in the wording though.

Bobblehat

SH88SH88 said:

Bobblehat said:

Bob2000 said:

Bobblehat said:

Bob2000 said:

WEST BROWWICH WINTER SAVER.

I applied for the account  yesterday noon and then received  a text and email that they were checking my ID.
Today at 10.26am, I had another email stating  that they needed  additional ID, so I resent my passport. 

Just got in, and it looks like the account  is open.
So do l apply to register for online access  or wait for WB to send me an email/letter?

I would wait until tomorrow. It seems, according to WB's CS agent, that they send the email out when the account is "almost fully" open! I got my email today and failed to open the online access after a couple of tries, but was told it should work tomorrow. You should get another email tomorrow with details of how to register for online access. 

Others on here have tried to fund it today and failed with COP, although some might have succeeded. Tomorrow should give a more certain level of success.

Ok, thanks for that reply.
Fingers crossed for  tomorrow. 

West Brom ....
Online access email arrived 9.00am. Registering was straightforward and online access to see RS account happened as soon as the PIN was set up .... despite the message saying access will be available by tomorrow!

Not trying to be pedantic,  but ... I think the message says you can't withdraw money or change contact details until tomorrow,  it says you can use the PIN to manage the account immediately.  I do agree that it's slightly ambiguous in the wording though.

I agree the follow up email says that ... but the message on screen when the PIN is generated doesn't! I can't remember the exact wording but it never mentioned withdraw money or change contact details .... just online access tomorrow, hence my surprise when I decided to give it a go anyway!

I only mentioned it in case someone else sees the same message and wonders why they have to wait yet another day to get online after setting up the PIN. The email you quoted arrived a few minutes after I had already viewed the account online! 

Speculator

Newcastle Monument reg down to 5.40% and Regular saver down to 5.15% from 21/1

Festive reg staying at 6.5%

https://assets-eu-01.kc-usercontent.com/8a09b82e-1cf1-011c-1115-9dc18d2d065f/e7e0e551-8287-4a0a-84dd-550ada389ed0/VARIABLE INTEREST RATE SHEET 02012026.pdf

Kazza242

Manchester Building Society (a trading name of Newcastle Building Society) notified me today via e-mail of a 0.10% reduction to the interest rate on the Regular Saver (issue 1).  The rate will be 5.40% (down from 5.50%) from the 21st January 2026.

surreysaver

Kazza242 said:

Manchester Building Society (a trading name of Newcastle Building Society) notified me today via e-mail of a 0.10% reduction to the interest rate on the Regular Saver (issue 1).  The rate will be 5.40% (down from 5.50%) from the 21st January 2026.

Post #4388:

Bridlington1 said:

Newcastle & Manchester BS Interest Rate Reductions 21/1/26:

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

Kazza242

surreysaver said:

Kazza242 said:

Manchester Building Society (a trading name of Newcastle Building Society) notified me today via e-mail of a 0.10% reduction to the interest rate on the Regular Saver (issue 1).  The rate will be 5.40% (down from 5.50%) from the 21st January 2026.

Post #4388:

Bridlington1 said:

Newcastle & Manchester BS Interest Rate Reductions 21/1/26:

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

I had to scroll back 11 pages on this thread to view the post you have quoted above.  It's not like it was on the previous page.  This thread moves very quickly and so it's not always possible for people to view every post.

(Thanks to Bridlington1 for the rate info posted).

surreysaver

Kazza242 said:

surreysaver said:

Kazza242 said:

Manchester Building Society (a trading name of Newcastle Building Society) notified me today via e-mail of a 0.10% reduction to the interest rate on the Regular Saver (issue 1).  The rate will be 5.40% (down from 5.50%) from the 21st January 2026.

Post #4388:

Bridlington1 said:

Newcastle & Manchester BS Interest Rate Reductions 21/1/26:

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

I had to scroll back 11 pages on this thread to view the post you have quoted above.  It's not like it was on the previous page.  This thread moves very quickly and so it's not always possible for people to view every post.

(Thanks to Bridlington1 for the rate info posted).

Indeed! I read the thread several times a day! That is the reason know this (and other helpful posters) information has been published!

I'm not trying to criticise!

Bridlington1

surreysaver said:

Kazza242 said:

surreysaver said:

Kazza242 said:

Manchester Building Society (a trading name of Newcastle Building Society) notified me today via e-mail of a 0.10% reduction to the interest rate on the Regular Saver (issue 1).  The rate will be 5.40% (down from 5.50%) from the 21st January 2026.

Post #4388:

Bridlington1 said:

Newcastle & Manchester BS Interest Rate Reductions 21/1/26:

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

I had to scroll back 11 pages on this thread to view the post you have quoted above.  It's not like it was on the previous page.  This thread moves very quickly and so it's not always possible for people to view every post.

(Thanks to Bridlington1 for the rate info posted).

Indeed! I read the thread several times a day! That is the reason know this (and other helpful posters) information has been published!

I'm not trying to criticise!

For future reference I also maintain a list of interest rate cuts announced so far on the post below, a link to it appears on p1 of the archived thread.
https://forums.moneysavingexpert.com/discussion/comment/81805599/#Comment_81805599

I'll add the cuts announced yesterday to that list later today.

vandanfc

Apologies if already posted, but Skipton seem to be reducing interest rates by .35%.