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

trickydicky14

Principality B.S
The question I wish to ask is, has anyone who has more accounts than they should have managed to get a new account opened in the past shall we say 7 days. I managed it on the 5th so I think I just got under the wire.

fuzzzzy

trickydicky14 said:

Principality B.S
The question I wish to ask is, has anyone who has more accounts than they should have managed to get a new account opened in the past shall we say 7 days. I managed it on the 5th so I think I just got under the wire.

I managed it on the 9th.

WillPS

nottsphil said:

happybagger said:

@Bridlington1

Loughborough BS

Rate changes effective 5 Jan 2026

open accounts 
Limited Access Monthly Saver from 4.45 to 4.25
2 Year Super Saver remains at 5.00

closed accounts
1 Year Super Saver from 6.00 to 5.80
Retirement Monthly Saver remains at 5.50
Holiday Monthly Saver from 5.60 to 5.40

source

Have they just announced this? Why would they do that two days before the Bank of England base rate meeting?

It's a dead cert and/or they're dropping for a reason other than the expected base rate cut so it doesn't matter.

soulsaver

I know: Back to speculating but IIRC nobody tested these circumstances that PBS may be cutting slack on: 

Have people who have been rejected had any significant funds with PBS other than their Reg Savers?

And/or have people who've not been rejected got significant PBS deposits outside PBS's RSs?

I'm in the latter group- and, accepting that it would be wise NOT to provide enough info to be identified by a digital search, I'll add I've got quite a few more Iss4s than anyone else has declared on here.

And my last conversion was just about a week ago, too.

Bridlington1

WillPS said:

nottsphil said:

happybagger said:

@Bridlington1

Loughborough BS

Rate changes effective 5 Jan 2026

open accounts 
Limited Access Monthly Saver from 4.45 to 4.25
2 Year Super Saver remains at 5.00

closed accounts
1 Year Super Saver from 6.00 to 5.80
Retirement Monthly Saver remains at 5.50
Holiday Monthly Saver from 5.60 to 5.40

source

Have they just announced this? Why would they do that two days before the Bank of England base rate meeting?

It's a dead cert and/or they're dropping for a reason other than the expected base rate cut so it doesn't matter.

Either that or they're trying to escape being on my list of interest rate cuts if the BOE base rate is cut on Thursday given that I generally don't include listing cuts where it was announced before the BOE Base Rate Decision.

I think I'll make an exception in this case though and say that if the BOE Base Rate is cut on Thursday I'll include the Loughborough BS cuts in my lists as the last two MPC decisions have been to hold the base rate and it's only 2 days out.

Besides I've already compiled a list of variable rate regular savers so it's ready to go just in case.

happybagger

nottsphil said:

happybagger said:

@Bridlington1

Loughborough BS

Rate changes effective 5 Jan 2026

open accounts 
Limited Access Monthly Saver from 4.45 to 4.25
2 Year Super Saver remains at 5.00

closed accounts
1 Year Super Saver from 6.00 to 5.80
Retirement Monthly Saver remains at 5.50
Holiday Monthly Saver from 5.60 to 5.40

source

Have they just announced this? Why would they do that two days before the Bank of England base rate meeting?

I was just checking the SS 2yr was still available to send a form off and saw the statement on the savings page.

I didn't get any post or email notification yet

castle96

Mine matures on 21st. Gave 6mth insts y'day. Rejected by secure message today

allegro120

nottsphil said:

happybagger said:

@Bridlington1

Loughborough BS

Rate changes effective 5 Jan 2026

open accounts 
Limited Access Monthly Saver from 4.45 to 4.25
2 Year Super Saver remains at 5.00

closed accounts
1 Year Super Saver from 6.00 to 5.80
Retirement Monthly Saver remains at 5.50
Holiday Monthly Saver from 5.60 to 5.40

source

Have they just announced this? Why would they do that two days before the Bank of England base rate meeting?

Loughborough
Because they know the outcome of this meeting, everyone knows, some react slower some quicker.  Loughborough reduction is very modest, won't affect my strategy. 

allegro120

soulsaver said:

I know: Back to speculating but IIRC nobody tested these circumstances that PBS may be cutting slack on: 

Have people who have been rejected had any significant funds outside PBS's Reg Savers?

And/or have people who've not been rejected got significant deposits outside PBS's RSs?

I'm in the latter group- and, accepting that it would be wise NOT to provide enough info to be identified by a digital search, I'll add I've got quite a few more Iss4s than anyone else has declared on here.

And my last conversion was just about a week ago, too.

The only none RS I have is Online Bonus Triple Access Issue 7 with £1 balance.  My last successful roll over was on 5th Dec. I have 6 iss4s, but it looks like this number is going to decline.

Stargunner

trickydicky14 said:

Principality B.S
The question I wish to ask is, has anyone who has more accounts than they should have managed to get a new account opened in the past shall we say 7 days. I managed it on the 5th so I think I just got under the wire.

I have a Christmas 2025 maturing on 21st Dec and a RS3 maturing on 23rd Dec. 

On 8th Dec I gave maturity instructions for the Christmas 2025 requesting a Christmas 2026. This seems to have been accepted  as I have not had a message rejecting it, even though I already have a Christmas 2026 RS. 
I am reluctant to give maturity instructions on my remaining one incase it highlights this, so I will wait until the 21st when my new Christmas 2026 is open and then I will give maturity instructions for another Christmas RS.