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

Bridlington1

A summary of changes to the listings on the first page of The Top Regular Savers Discussion Thread between 1st October 2025 and 31st October 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 Regular Saver Timeline Spreadsheet has also been updated to reflect the below.

The following accounts have been added between 1/10/25 and 31/10/25 (see first page of The Top Regular Savers Discussion Thread for details):

Leeds BS Regular Saver (Issue 70) at 4.7%~~~ Launched 31/10/25
Principality BS Christmas 2026 Regular Saver at 6.5%~~~ Launched 23/10/25
Hanley Economic BS 1 Year Online Smart Saver (TAR10) at 6.5% ~~~~~ Launched 21/10/25
Hanley Economic BS 1 Year Branch Smart Saver (TAR09) at 6.5% ~~~~~ Launched 20/10/25
Darlington BS 12 Month Regular Saver Issue 3 at 4.75% ~~~ Launched 17/10/25
Newcastle BS Monument Regular Saver at 5.5%~~~ Launched 16/10/25

Progressive BS Online Regular Rainy Day Saver Account (Issue 4) at 7% ~~~ Launched 6/10/25
Scottish BS Regular Saver at 6.5%~~~ Launched 1/10/25
Chorley BS Regular Saver (30.09.2026) at 5.15%~~~ Launched 1/10/25
Chorley BS Regional 2 Year Flexible Saver (30.09.2027) at 5.15%~~~ Launched 1/10/25
Nottingham BS Branch Regular Saver Issue 5 at 4.75%~~~ Launched 1/10/25
Nottingham BS Online Regular Saver Issue 2 at 4.75%~~~ Launched 1/10/25

The following accounts have been removed between 1/10/25 and 31/10/25:

~~~~~~NLA 1/10/25 ~~~~~~Chorley BS Regular Saver (31.08.2026) ~~~ Launched 1/9/25
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 31/8/26
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 30/9/25. Only one Regular Saver and one Seasonal Saver can be held in any 12 month rolling period.

~~~~~~NLA 1/10/25 ~~~~~~ Nottingham BS Branch Regular Saver Issue 4 ~~~ Launched 30/6/25***
Interest rate: 4.75% AER 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 30/9/26
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. *** Account added to lists on 15/7/25 but appears to have been launched on 30/6/25..

~~~~~~NLA 1/10/25 ~~~~~~Nottingham BS Online Regular Saver ~~~ Launched 28/7/25
Interest rate: 4.75% AER 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 18 years old or older
How to open account: Online only
Length of account term: Matures on 30/9/26
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 or online.

~~~~~~NLA 1/10/25 ~~~~~~Leeds BS Regular Saver (Issue 68) ~~~ Launched 1/9/25
Interest rate: 4.7% gross p.a. variable
Monthly payment: £0-£250 per calendar month
Miss any payments: Yes, miss as many as you wish
Penalty-free withdrawals: One withdrawal per calendar year (including account closure) is permitted subject to the minimum balance of £100 being maintained. Further withdrawals can be made subject to 30 days loss of interest on the amount withdrawn.
Age of applicant: Aged 18 or over
How to open account: Branch, online or post
Length of account term: Matures 1/9/2027
Maximum balance: £6,000 plus interest
Deposits on non-working days: Treated as having been received the same day.
Special conditions: You may only hold one Leeds Building Society Regular Saver product of any issue at a time. Withdrawals/closure can be made by faster payment over the phone.

~~~~~~NLA 1/10/25 ~~~~~~Chorley BS Regional 2 Year Flexible Saver (31.08.2027) ~~~ Launched 1/9/25
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 31/8/27
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 30/9/25. 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 3/10/25 ~~~~~~Progressive BS Online Regular Rainy Day Saver Account (Issue 3) ~~~ Launched 2/1/25
Interest rate: 5.5% gross p.a. variable from 1/6/25
Monthly payment: £0-£300 per calendar month
Miss any payments: Yes as many as you like
Penalty-free withdrawals: Yes, 1 withdrawal per day.
Age of applicant: Aged 18 or over
How to open account: Online
Length of account term: 12 months from opening
Maximum balance: £3,600
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: N/A

~~~~~~NLA 9/10/25 ~~~~~~Yorkshire BS 50 Pound Regular Saver/eSaver ~~~ Launched 18/9/25
Interest rate: 6% variable from 18/9/25
Monthly payment: £0-£50 per calendar 
Miss any payments: No penalty for missing any payments
Penalty-free withdrawals: 3 withdrawal days during the 12 month period plus account closure at any time 
Age of applicant: Aged 16 or over
How to open account: Online only or branch/post depending on which version of the account you apply for.
Length of account term: 12 months from account opening
Maximum balance: £600
Deposits on non-working days: Treated as having been received the same day.
Special conditions: n/a

~~~~~~NLA 17/10/25 ~~~~~~Darlington BS 12 Month Regular Saver Issue 2 ~~~ Launched 8/8/25
Interest rate: 6% gross p.a. variable
Monthly payment: £0-£250 per calendar month
Miss any payments: Yes, as many as you wish
Penalty-free withdrawals: 2 withdrawals permitted during the account term, the account shall be closed upon the third withdrawal
Age of applicant: Age 16 or over for branch/post applications, 18 for online applications

How to open account: Online, branch, post
Length of account term: Matures at the end of the 12th calendar month from opening, e.g. if you opened the account on 8/8/25 it would mature on 31/8/26
Maximum balance: N/A
Deposits on non-working days: Treated as having been received the same day.
Special conditions: N/A

~~~~~~NLA 22/10/25 ~~~~~~Coventry BS Loyalty Mortgage Saver (2) ~~~ Launched 25/7/25
Interest rate: 4.8% gross p.a. variable
Monthly payment: £1-£500 per calendar month
Miss any payments: No stated penalties for missing any payments
Penalty-free withdrawals: You need to give 60 days' notice or have a 60 days' interest penalty for immediate withdrawals. The penalty for closing the account is waived if Coventry BS have announced a cut to the interest rate of this account in the last 30 days. 
Age of applicant: Aged 18 or older
How to open account: Branch, online, post or telephone
Length of account term: 12 months from opening
Maximum balance: £6,000 if opened on 1st of the month, £6,500 if opened on any other day
Deposits on non-working days: Treated as having been received the same day.
Special conditions: You must hold an eligible mortgage account with Coventry Building Society, Godiva Mortgages Limited or ITL Mortgages Limited. (Eligibility criteria applies - see terms and conditions.)

The following accounts have been and gone between 1/10/25 and 31/10/25:

~~~~~~NLA 31/10/25 ~~~~~~Leeds BS Regular Saver (Issue 69) ~~~ Launched 1/10/25
Interest rate: 4.7% gross p.a. variable
Monthly payment: £0-£250 per calendar month
Miss any payments: Yes, miss as many as you wish
Penalty-free withdrawals: One withdrawal per calendar year (including account closure) is permitted subject to the minimum balance of £100 being maintained. Further withdrawals can be made subject to 30 days loss of interest on the amount withdrawn.
Age of applicant: Aged 18 or over
How to open account: Branch, online or post
Length of account term: Matures 4/10/2027
Maximum balance: £6,000 plus interest
Deposits on non-working days: Treated as having been received the same day.
Special conditions: You may only hold one Leeds Building Society Regular Saver product of any issue at a time. Withdrawals/closure can be made by faster payment over the phone.


~~~~~~NLA 31/10/25 ~~~~~~Virgin Money Regular Saver Exclusive Issue 4~~~ Launched 1/10/25
Interest rate: 6.5% AER fixed
Monthly payment: £0-£250 per calendar month
Miss any payments: Yes, miss as many as you wish
Penalty-free withdrawals: Unlimited
Age of applicant: Aged 16 for branch opening, 18+ for online opening
How to open account: Online or Branch 
Length of account term: Matures 30/10/2026
Maximum balance: N/A
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: You may only hold one Virgin Money Regular Saver of any issue at a time. You must have a Virgin Money personal current account (excluding Essential Current Account or Virgin Money Current Account) to be able to open this account

Changes to thresholds:

Previously I was only including accounts where the interest rate is 4.35% or better, or 4.15% if the account has favourable conditions (e.g. you can pay in £500 per month or more, the interest rate is fixed, or if the account matures after at least 2 years).

After reviewing the wider savings landscape over the last couple of months I have chosen to increase the thresholds for regular savers to be included on the main Regular Savers List for the first time since this version of the thread was launched.

I am now including accounts where the interest rate is 4.4% or better, or 4.2% if the account has favourable conditions (e.g. you can pay in £500 per month or more, the interest rate is fixed, or if the account matures after at least 2 years).

I have now removed the following regular savers as they have interest rates that are below these new thresholds:

Coventry BS Regular Saver (6) ~~~ Re-added 31/8/25
Interest rate: 4.15% gross p.a. variable from 1/9/25
Monthly payment: £0-£500 per account month
Miss any payments: Yes as many as you like
Penalty-free withdrawals: No, withdrawals/closure subject to a penalty of 30 days interest on the funds withdrawn. The penalty for closing the account is waived if Coventry BS have announced a cut to the interest rate of this account in the last 30 days. 
Age of applicant: Aged 16 or over
How to open account: Online, branch, post, telephone
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: N/A

Stargunner

bristolleedsfan said:

Re Scottish BS replies 

I had read others saying they had  courtesy call from them, in same way as some people do not like paying for stamps, I am not keen on phoning chargeable phone numbers, I fully expected to receive either account opening details by post or application returned stating needed DL etc.

I will reply to email merely expressing disappointment at delay in opening account  causing me to miss out on topping up to £250 maximum monthly deposit, did not send cheque for £250 as felt plenty of time to receive account details and send £200 faster payments. ( i had actually given up on receiving anything from them)

They may reply saying that the delay has been caused by yourself, due to you waiting 11 days to message them after receiving the missed call.

Do you not have free phone calls included with your mobile or landline contract, like most people?

gt94sss2

Bridlington1 said:

HRBS Christmas RS to be launched 1/11/25

The details I've been given:
5% (var)
£100/Mth max
Can skip months 
30 notice on withdrawals which are unlimited 
Branch/post opening but can be viewed online once opened.

They have said they'll send an application pack to me when it's launched 

https://www.hrbs.co.uk/savings-products/christmas-saver-30-day-notice/

Bridlington1

gt94sss2 said:

Bridlington1 said:

HRBS Christmas RS to be launched 1/11/25

The details I've been given:
5% (var)
£100/Mth max
Can skip months 
30 notice on withdrawals which are unlimited 
Branch/post opening but can be viewed online once opened.

They have said they'll send an application pack to me when it's launched 

https://www.hrbs.co.uk/savings-products/christmas-saver-30-day-notice/

Also of note is the fixed maturity date of 1/11/26 for all accounts. All other details appear to be as summarised above.

allegro120

Hattie627 said:

My Gatehouse Bank Regular Saver Issue 2 matures on 4th November. It has been earning 5.30% variable for a year with a monthly deposit of (up to) £300. There doesn't seem to be a replacement RS account being offered by Gatehouse at the moment when I checked today. Just wondering if anyone knows if a replacement is on the horizon?

My Issue 2 matured on 31st March, Issue 1 on 29th November last year.  There were no replacements since.  I wouldn't play a guess game, just assume that there is nothing on horizon and if Gatehouse comes up with another surprise you will see the announcement followed by 30+ new posts in this thread

HHUK

bristolleedsfan said:

Re Scottish BS replies 

I will reply to email ... and send £200 faster payments. 

Not sure how fast faster payments to Scottish BS accounts are in practice. I opened a Regular Saver with an initial £50 deposit by cheque. There was a delay of my own making for having omitted to include nominated bank details in my application. Anticipating it could come in handy to expedite matters, in the meantime I also opened an e-Saver Plus account online.

Yesterday I received confirmation that the RS was open and sure enough the details had been linked to my online account which already showed the e-Saver Plus. Late last night I sent a test payment of £1 by faster payments to the RS using the sort code and bank account details of the e-Saver Plus and the account number of the RS, followed at lunch time today by a further FP of £199. As of just now neither of those payments is showing online, so it will be interesting to see if they do end up being credited today, or if I have missed October's boat.

Bob2000

PRINCIPALITY XMAS REGULAR SAVER. 

If l send funds before midnight tonight. Will it still count as a October  payment???
I know lve left it really late but lve got the cash to fund now.
Yet to open the account as well

happybagger

Bridlington1 said:

gt94sss2 said:

Bridlington1 said:

HRBS Christmas RS to be launched 1/11/25

The details I've been given:
5% (var)
£100/Mth max
Can skip months 
30 notice on withdrawals which are unlimited 
Branch/post opening but can be viewed online once opened.

They have said they'll send an application pack to me when it's launched 

https://www.hrbs.co.uk/savings-products/christmas-saver-30-day-notice/

Also of note is the fixed maturity date of 1/11/26 for all accounts. All other details appear to be as summarised above.

I see there is a discrepancy in their RS accounts t+c's.
Both say, on maturity, it matures into an Easy Access account that permits withdrawals and deposits 

interesting, didn't the 30 day RS account mature into a 30 day notice account with no additional deposits permitted?

Either way, I will open this, but will be retaining the t+c's document.

roked

Bob2000 said:

PRINCIPALITY XMAS REGULAR SAVER. 

If l send funds before midnight tonight. Will it still count as a October  payment???
I know lve left it really late but lve got the cash to fund now.
Yet to open the account as well

Yes it should do, principality seem to credit accounts automatically, its just down to how fast the 'faster payment' is

s71hj

For some reason I can't fathom, myself and my wife seem to have missed a payment to the Halifax regular saver. Are we going to be penalised on the interest rate!