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

CricketLady

Bridlington1 said:

Aidanmc said:

I will be needing to withdraw from some of my lower paying Regular savers in order to fund higher interest ones for the next month or two, until some current ones mature.

Starting with 5% ones, Santander, Penrith, Darlington, Melton RS5.

Think its better to withdraw rather that close them.

I believe the Coventry Loyalty RS has penalty for withdrawal, so will leave that for now and not fund it.

Out of those ones Santander, Darlington and Penrith are still around at 5% so rather than withdrawing from them I'd be more inclined to ``refresh" them as it would allow you to push the maturity date on a bit.

Melton has no maturity date so you may as well just withdraw from it as you stated.

Good afternoon,

Please could someone tell me how would I refresh my Darlington 5% account?  I've only ever refreshed Lloyds before, I need the £1500 back from my Darlington but I'd also love to have an account maturing in July next year (it's currently my only "empty" month) so if I could refresh it tomorrow that would be great.

Thank you so much x

schiff

I’ve also not been asked as yet (just the time taken for them to complete extra checks) and wonder whether those who have been asked are those that have moved in the last three years. Has anyone been asked for a Mitek without a semi-recent change of address?

Me for one - same address for dozens of years, same address, Voters List since Lloyd George was PM.

Aidanmc

CricketLady said:

Bridlington1 said:

Aidanmc said:

I will be needing to withdraw from some of my lower paying Regular savers in order to fund higher interest ones for the next month or two, until some current ones mature.

Starting with 5% ones, Santander, Penrith, Darlington, Melton RS5.

Think its better to withdraw rather that close them.

I believe the Coventry Loyalty RS has penalty for withdrawal, so will leave that for now and not fund it.

Out of those ones Santander, Darlington and Penrith are still around at 5% so rather than withdrawing from them I'd be more inclined to ``refresh" them as it would allow you to push the maturity date on a bit.

Melton has no maturity date so you may as well just withdraw from it as you stated.

Good afternoon,

Please could someone tell me how would I refresh my Darlington 5% account?  I've only ever refreshed Lloyds before, I need the £1500 back from my Darlington but I'd also love to have an account maturing in July next year (it's currently my only "empty" month) so if I could refresh it tomorrow that would be great.

Thank you so much x

You would need to close the existing Darlington RS and when thats processed you should be able to open a new one.

judgingjudy

schiff said:

I’ve also not been asked as yet (just the time taken for them to complete extra checks) and wonder whether those who have been asked are those that have moved in the last three years. Has anyone been asked for a Mitek without a semi-recent change of address?

Me for one - same address for dozens of years, same address, Voters List since Lloyd George was PM.

Lloyd George was PM until 1922, when you had to be at least 21 to vote, so if you were indeed born in 1901 or before, you could understand YBS flagging that for further checks...

Back on topic, though: I have recently opened a new account with them (last few weeks) and despite having moved home within the last three years, I didn't have to complete any additional checks. I've been a customer since 2022, the year I moved, and I've only had to do the standard checks when I first joined. Perhaps I've been lucky, or perhaps the checks are only flagged for specific customer attributes.

Bridlington1

Just a reminder the following interest rate cuts come into effect tomorrow:

Account	Old rate	New rate	Date
Hanley Economic Branch Regular Saver	1.90%	1.65%	01/07/2025
Hanley Economic Online Regular Saver	4.70%	4.40%	01/07/2025
Hanley Economic Regular Saver	1.95%	1.70%	01/07/2025
Loughborough BS 1 Year Super Saver	6.00%	NO CHANGE	01/07/2025
Loughborough BS 2 Year Super Saver	5.00%	NO CHANGE	01/07/2025
Loughborough BS Holiday Monthly Saver	5.60%	NO CHANGE	01/07/2025
Loughborough BS Limited Access Monthly Saver	4.75%	4.45%	01/07/2025
Loughborough BS Regular Monthly Saver  Account	2.50%	NO CHANGE	01/07/2025
Mansfield BS Bonus Regular Savings Issue 8 (includes 1.85% bonus for 12 months)	5.60%	5.35%	01/07/2025
Mansfield BS Kick Start Regular Savings Issue 7	3.75%	3.50%	01/07/2025
Mansfield BS Regular Savings (2nd issue)	3.75%	3.50%	01/07/2025
Mansfield BS Regular Savings (3rd- 6th issues, including 150th anniversary issue)	3.75%	3.50%	01/07/2025
Mansfield BS Regular Savings 30 (1st issue)	4.00%	3.70%	01/07/2025
Mansfield BS Young Regular Saver (1st and 2nd issue)	4.25%	3.90%	01/07/2025
Mansfield BS Young Regular Saver (3rd issue)	4.25%	3.90%	01/07/2025
Mansfield Regular eSaver 30 (1st issue)	4.00%	3.70%	01/07/2025
Nationwide Flex Regular Saver Issue 3	6.50%	NO CHANGE	01/07/2025
Nationwide Flex Regular Saver Issue 4	6.50%	NO CHANGE	01/07/2025
Nationwide Flex Regular Saver Issue 5	6.50%	NO CHANGE	01/07/2025

Bridlington1

Saffron BS Member's Month Loyalty Saver at 8% is now NLA

Their Saffron BS Refer A Friend Saver also at 8% appears to remain live for now, how long it shall last remains to be seen.

Bridlington1

A summary of changes to the listings on the first page of The Top Regular Savers Discussion Thread between 1st June 2025 and 30th June 2025:

A link to this post is included on the first page of The Archived History Of Regular Savers Thread *** NO CHAT*** thread.

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 1/6/25 and 30/6/25 (see first page of The Top Regular Savers Discussion Thread for details):

Zopa Regular Saver Pot at 7.1% ~~~~~ Moved lists 24/6/25
Nationwide BS Flex Regular Saver (Issue 6) at 6.5% ~~~ Launched 6/6/25
Chorley BS Regular Saver (31.05.2026) at 5.15% ~~~ Launched 2/6/25
Dudley BS One Year Regular Saver Issue 9 at 5% ~~~ Launched 19/6/25
Chorley BS Regional 2 Year Flexible Saver (31.05.2027) at 5.15% ~~~ Launched 2/6/25

The following accounts have been removed between 1/6/25 and 30/6/25:

~~~~~~NLA 2/5/25 ~~~~~~Nationwide BS Flex Regular Saver (Issue 4)
Interest rate: 6.5% gross p.a. variable from 13th December 2024
Monthly payment: £0-£200 per calendar month
Miss any payments: No stated penalty for missing any payments
Penalty-free withdrawals: Three penalty-free withdrawals
Age of applicant: At least 16 years old
How to open account: Online only
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 same day.
Special conditions: Only available to Nationwide current account holders. You can only be named on one Flex Regular Saver product at any time (of any issue).

~~~~~~NLA 2/6/25 ~~~~~~Chorley BS Regular Saver (30.04.2026) ~~~ Launched 1/5/25
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 30/4/26
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 31/5/25. Only one Regular Saver and one Seasonal Saver can be held in any 12 month rolling period.

~~~~~~NLA 2/6/25 ~~~~~~Chorley BS Regional 2 Year Flexible Saver (30.04.2027)~~~ Launched 1/5/25
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: 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 30/4/27
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 31/5/2025. Only one Regular Saver and one Seasonal 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).

~~~~~~NLA 6/6/25 ~~~~~~Nationwide BS Flex Regular Saver (Issue 5)~~~ Launched 2/5/25****
Interest rate: 6.5% gross p.a. variable
Monthly payment: £0-£200 per calendar month
Miss any payments: No stated penalty for missing any payments
Penalty-free withdrawals: Three penalty-free withdrawals
Age of applicant: At least 16 years old
How to open account: Online only
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 same day.
Special conditions: Only available to Nationwide current account holders. You can only be named on one Flex Regular Saver product at any time (of any issue). **** First noted on 1/6/25 but was launched 2/5/25

~~~~~Removed 12/6/25 due to interest rate reduction~~~~~~Furness BS 1 Year Regular Saver (Issue 6) ~~~ Added 31/5/25***
Interest rate: 4.5% gross p.a. variable (reduced to 4.25% at some point between 3/6/25 and 12/6/25)
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. ***Account launched 11/2/25 but not eligible for inclusion until 31/5/25 due to changing thresholds

~~~~~~NLA 17/6/25 ~~~~~~Zopa Regular Saver Pot
Interest rate: 7.5% gross p.a. fixed
Monthly payment: £0-£300 per account month
Miss any payments: No penalty for missing any payments
Penalty-free withdrawals: Unlimited
Age of applicant: Aged 18 or over
How to open account: App
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: You must hold both a Zopa current account and a Zopa Smart Saver to open this account. Interest is paid monthly on the anniversary of opening the Smart Saver. The Zopa current account is still in its beta phase so is not available to all but Zopa plan to roll the account out more widely in 2025.

The following accounts have been and gone between 1/6/25 and 30/6/25:

~~~~~~NLA 30/6/25 ~~~~~~Saffron BS Member's Month Loyalty Saver~~~ Launched 2/6/25
Interest rate: 8% AER fixed
Monthly payment: £0-£50 per calendar month
Miss any payments: Yes, you can miss as many as you wish
Penalty-free withdrawals: 1 withdrawal/mth pus closure
Age of applicant: Aged 16 or over
How to open account: Online
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'll need to have been a member since 1st June 2024 to apply.

Changes to first page of this thread:

For clarity I have modified the following definition slightly, with the modified bit italicised:

Regular Savers Open To All - Regular savers that can be opened by anyone over the age of 21, with no postcode/regional restrictions, is not restricted to new customers only and does not require you to have been an existing member for any length of time. This section does include accounts which require you to hold another current/savings account in order to open it so long as opening the other account immediately makes you eligible for the regular saver. This section has been split over 3 posts due to character limits on the forum.

This shall not alter where any of the accounts are listed but is merely a tweaking of the wording to account for cases (e.g. the Saffron BS Refer-a-Friend Saver) where accounts exclude existing customers.

Bridlington1

Usual drill:

Leeds BS Regular Saver (Issue 65) at 4.7% set to go NLA, replaced by Issue 66 at the same rate but a new maturity date of 1/7/27. Page 1 of this thread and the archived thread shall be updated later today.

apt

Interest to 30 June has been added to the 10% Virgin Money regular saver. The account matures on 31 July. Been good while it lasted.

BestSeagull

easysaver said:

Aldermore RS Account Issue 1
Has anyone had a 13th payment accepted and not returned? There's nothing in their terms but I seem to remember someone had their 13th payment returned.

Yes. I found that my 13th payment was rejected as an internal transfer but @surreysaver figured out that it works by external transfer in, so I tired and that was successful.