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

allegro120

happybagger said:

Chorley BS w/e 16/1/26, slight change:

Regular Saver (all issues, NLA and open) from 5.15 to 5.10%
Regional 2 Year Flexible Saver also from 5.15 to 5.10%

source: email

I've already submitted the form - £400 to new RS and the rest to bank account.  I was hoping that Chorley won't drop the rate below 5%.  5.10% is better than I expected.

allegro120

surreysaver said:

janusd said:

apologies if @Bridlington1 has already mentioned this (checked but couldn't see anything)..

Natwest / Royal Bank of Scotland dropping the rates of their Digital Regular Saver from 5.50% to 5.25% AER on 19th January for £5k and under; for over £5k, the rate drops from 1.06% to 1.00% AER

Equivalent to 5.13% for those who have the full £5k in them

True, but I look at it from a prospective that the monthly interest compounds elsewhere.  I tend to ignore gross, just stick to AER for comparison.  

judgingjudy

RBS Digital Regular Saver

I’ve had a payment bounced back today for funds I’ve added to this account to replace money that was withdrawn earlier in the month. 

The amount seems random as I’d taken out about £1425 on the 2nd, funded it last week with around £1220 from a matured Principality RS so had another £200 or so to pay back in when I get paid on Monday. 

They’ve today returned £676 and a few pence to me, saying I can only add £150 per month. Don’t know where they got the £676.xx from, and I’ve not had this problem before, but I’m not going to pick at that thread as it doesn’t actually state anywhere in the T&Cs that this is permitted, and I don’t want to draw attention to the fact I’ve done this a couple of times. 

A shame if this loophole has been closed, especially on the day an interest rate cut has been announced (although at 5.25% this account will be now less attractive than my ISA)

Hattie627

Coventry BS Loyalty Seasonal Saver

For those with this account maturing on 20th December the maturity interest has now been credited (dated 19th December) and the account has morphed into Easy Saver. I have instructed closure of mine but it seems funds won't leave until Monday 22nd, due to arrive same date in nominated account.

Dizzycap

judgingjudy said:

RBS Digital Regular Saver

I’ve had a payment bounced back today for funds I’ve added to this account to replace money that was withdrawn earlier in the month. 

The amount seems random as I’d taken out about £1425 on the 2nd, funded it last week with around £1220 from a matured Principality RS so had another £200 or so to pay back in when I get paid on Monday. 

They’ve today returned £676 and a few pence to me, saying I can only add £150 per month. Don’t know where they got the £676.xx from, and I’ve not had this problem before, but I’m not going to pick at that thread as it doesn’t actually state anywhere in the T&Cs that this is permitted, and I don’t want to draw attention to the fact I’ve done this a couple of times. 

A shame if this loophole has been closed, especially on the day an interest rate cut has been announced (although at 5.25% this account will be now less attractive than my ISA)

I had the same with my RBS Digital RS. I withdrew £2k on the 5th December and replaced it back in full on the 12th only to have £1099 (?) returned to my RBS Current account with the message you can only deposit £150 per month. As the interest rate for the digital RS will be cut to 5.25% as of 19th January 2026, I'm in no rush to replace the returned amount and will just add monthly funds with whats left over / compound interest.

The same has also happened with my Natwest Digital RS (Interest rate cut to 5.25% as of 19th January 2026) It was a nice loophole while it lasted!

Is anyone having issues with trying to open a Dudley BS 5.5% Var Online Festive RS? I keep getting an unsuccessful due to technical issues message along with the BS telephone number after submitting my online application?

allegro120

Hattie627 said:

Coventry BS Loyalty Seasonal Saver

For those with this account maturing on 20th December the maturity interest has now been credited (dated 19th December) and the account has morphed into Easy Saver. I have instructed closure of mine but it seems funds won't leave until Monday 22nd, due to arrive same date in nominated account.

It morphed in the evening, too late for withdrawals to arrive on the same day.  I was going to close tomorrow, but now leaving it until Monday.  Looks like it has to be 2.2% for this weekend.  Thanks for the warning

gt94sss2

Dizzycap said:

judgingjudy said:

RBS Digital Regular Saver

I’ve had a payment bounced back today for funds I’ve added to this account to replace money that was withdrawn earlier in the month. 

The amount seems random as I’d taken out about £1425 on the 2nd, funded it last week with around £1220 from a matured Principality RS so had another £200 or so to pay back in when I get paid on Monday. 

They’ve today returned £676 and a few pence to me, saying I can only add £150 per month. Don’t know where they got the £676.xx from, and I’ve not had this problem before, but I’m not going to pick at that thread as it doesn’t actually state anywhere in the T&Cs that this is permitted, and I don’t want to draw attention to the fact I’ve done this a couple of times. 

A shame if this loophole has been closed, especially on the day an interest rate cut has been announced (although at 5.25% this account will be now less attractive than my ISA)

Is anyone having issues with trying to open a Dudley BS 5.5% Var Online Festive RS? I keep getting an unsuccessful message along with the BS telephone number after submitting my online application?

Yes, I applied online as an existing customer but wasn't given new account details or the option to fund the account. Logging in now falls each time after putting in the 2FA code.

wmb194

Dizzycap said:

judgingjudy said:

RBS Digital Regular Saver

I’ve had a payment bounced back today for funds I’ve added to this account to replace money that was withdrawn earlier in the month. 

The amount seems random as I’d taken out about £1425 on the 2nd, funded it last week with around £1220 from a matured Principality RS so had another £200 or so to pay back in when I get paid on Monday. 

They’ve today returned £676 and a few pence to me, saying I can only add £150 per month. Don’t know where they got the £676.xx from, and I’ve not had this problem before, but I’m not going to pick at that thread as it doesn’t actually state anywhere in the T&Cs that this is permitted, and I don’t want to draw attention to the fact I’ve done this a couple of times. 

A shame if this loophole has been closed, especially on the day an interest rate cut has been announced (although at 5.25% this account will be now less attractive than my ISA)

I had the same with my RBS Digital RS. I withdrew £2k on the 5th December and replaced it back in full on the 12th only to have £1099 (?) returned to my RBS Current account with the message you can only deposit £150 per month. As the interest rate for the digital RS will be cut to 5.25% as of 19th January 2026, I'm in no rush to replace the returned amount and will just add monthly funds with whats left over / compound interest.

The same has also happened with my Natwest Digital RS (Interest rate cut to 5.25% as of 19th January 2026) It was a nice loophole while it lasted!

Is anyone having issues with trying to open a Dudley BS 5.5% Var Online Festive RS? I keep getting an unsuccessful due to technical issues message along with the BS telephone number after submitting my online application?

Dudley BS

 I'm getting the telephone number thing as well - 'mobile phone not available, please call customer services.'

trickydicky14

Hattie627 said:

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.

What makes it a bigger pain for me is I can get to a branch.

trickydicky14

surreysaver said:

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!

See above comment.