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

Bridlington1

Stafford Railway BS Interest Rate Cuts 23/1/26:

Stafford BS Regular Saver (Issue 1) ~~~ Reduces from 4.4% to 4.15%

Hattie627

charlie12525 said:

Hattie627 said:

Re: Principality (please scroll past if you're not interested in the PBS RS saga)

I've been away for a week and just catching up on this thread and on RS administration.

I have two Principality RS's both maturing on 22nd December. One is a Christmas 2025 RS and the other is a Two Year Healthy Habits RS.

I entered online maturity instructions for both on 8th December, just before heading off. For one of them I asked for a rollover to a (second) Christmas 2026 RS and for the other one a rollover to (another) 6 month RS Issue 4.

I've returned home to a secure message (just one) from Principality rejecting my instructions on the basis that I am already a holder of the rollover account requested. The secure message doesn't quote the relevant account number or identify the account by type (just talks about "regular saver bond"). It does refer to the maturity date of 22nd December but that doesn't help to identify the account to which the message relates as they both mature on 22nd December. 

Not sure where I stand and would prefer not to phone for clarification (for obvious reasons).

Just wondered if anyone else is in this situation and has been able to work out which account the single message relates to.

Why does it matter?
You can't change it.
Just wait until maturity and you will have your answer.

Wrong on both counts.

It matters that a customer's maturity instructions to rollover to an account which the customer was invited to rollover to in the maturity options menu have been countermanded without reference to the customer. It matters that the countermand message did not make it clear which of two accounts maturing on the same date the countermand relates to. Unacceptable.

And I have changed it. Phoned PBS and complained to a customer service assistant who confirmed which account the countermand referred to. After discussion with a supervisor, they agreed that my original instruction should stand. The countermand has been countermanded. 

Bridlington1

West Brom BS Fixed Rate Regular Saver (Issue 7) at 6% is now NLA.

Bridlington1

AIB Interest Rate Reductions 6/1/26:

AIB (NI) Regular Saver ~~~ NO CHANGE ~~~ Remains at 6%

trickydicky14

Bridlington1 said:

West Brom BS Fixed Rate Regular Saver (Issue 7) at 6% is now NLA.

That's a pain, my current one matures in about 10 days.

Hattie627

trickydicky14 said:

Bridlington1 said:

West Brom BS Fixed Rate Regular Saver (Issue 7) at 6% is now NLA.

That's a pain, my current one matures in about 10 days.

Mine matures on 13th January. I think it had gone "branch only" a while back, so I wouldn't have been able to renew it anyway.

surreysaver

trickydicky14 said:

Bridlington1 said:

West Brom BS Fixed Rate Regular Saver (Issue 7) at 6% is now NLA.

That's a pain, my current one matures in about 10 days.

Which you wouldn't have been able to renew online anyway!

Kim_13

West Brom

Would be nice if they'd relaunch a lower rate and make it available online again. I don't want to refresh my Halifax as it's nicely in the middle of two other maturities. Nowhere to put the proceeds currently.

Bridlington1

Just to make you all aware the Save £12k in 2026 challenge (or any other amount to challenge yourself!) has now been launched.

This is a challenge that has been run by @enthusiasticsaver and @Suffolk_lass for the last few years and shall run again in 2026. The aim of the challenge is to encourage more people to save throughout the year and provide a space for people to record their progress.

Those participating in the challenge each set themselves a target for how much they'd like to save during 2026 and then regularly post how much they've actually managed to save each month, which is recorded in a spreadsheet maintained by @enthusiasticsaver and @Suffolk_lass.

Many people use regular savers as a way to help them stay motivated to save some money aside each month whilst simultaneously benefitting from earning a higher rate of interest for doing so, if this is you then I would strongly recommend having a look at the Save £12k in 2026 Challenge.

The scopes of our respective threads remain unchanged by this announcement, however a link to the challenge now appears on page 1 of this thread for future reference, in turn a link to this thread now appears on page 1 of the Save £12k in 2026 Challenge.

happybagger

Bridlington1 said:

West Brom BS Fixed Rate Regular Saver (Issue 7) at 6% is now NLA.

Good, they allow you to open different issues so hopefully they'll bring one out at 5.75% fixed