The Top Regular Savers Discussion Thread

Bridlington1

Welcome to this thread

The main purposes of this thread are two-fold:

1. To provide a list of the top regular savers currently on offer
2. To provide a place for all forum users to discuss regular saver accounts and ask any questions about them that you may have

This thread is intended to complement Martin Lewis' article which you can read here: Regular Savings Accounts.

Structure of this thread

The first few posts shall contain a continually updated list of the top regular savers currently on offer and shall be regularly edited by myself to ensure it remains up to date.

I have included a summary of the terms and conditions of each account as these can be complicated with regular savings accounts. I would advise you to look at these terms and conditions to check that the account is suitable for you.

Unless indicated otherwise, you can only open one of each account.

Key updates to this thread are added to the The Archived History Of Regular Savers Thread *** NO CHAT***, thread, which runs parallel to this thread.

I am only adding accounts where the interest rate is 4.5% or better, or 4.3% 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).

Thresholds for regular savers to be included in this thread are regularly reviewed by myself and may be altered at any point, if they are changed I shall post an announcement in both this thread and The Archived History Of Regular Savers Thread *** NO CHAT***.

I have divided up the information here into the following sections:

1. Regular Savers Open To All  - Regular savers that are not restricted to those under the age of 21, has no postcode/regional restrictions 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.
2. Local/Loyal/Beta/New Member Only accounts - Regular savers that are not restricted to those under the age of 21 but has postcode/regional restrictions and/or requires you to have been an existing member for any length of time or excludes existing customers from applying. This section also includes regular savers that have only been offered to selected customers including those which are in their beta phase.
3. Children's regular savers - Regular savers that are restricted to those under the age of 21
4. Recently No Longer Available accounts - These are accounts that have been withdrawn recently but which people may be in the process of applying for. When this post becomes long older entries on this list shall be transferred to new posts in the new regular saver thread and a link to these posts shall be included on the first page of The Archived History Of Regular Savers Thread *** NO CHAT*** 

How this thread operates

I am happy for people to use this thread to discuss the regular savers that appear on this list as well as any regular savers that have since been withdrawn but which continue to be held by some, this includes details of people's experiences of the maturity process of regular savers, but please try and limit discussion on this thread to regular savings accounts.

Whenever I make any changes to the first page of this thread I shall make a post detailing the changes in The Archived History Of Regular Savers Thread *** NO CHAT***, this includes but is not limited to a new account being added to the lists, an account being removed due to interest rate reductions or being withdrawn, interest rate changes and changes to the thresholds I set for inclusion to the lists.

Updates shall be made as and when it comes to my attention that new accounts have been launched, been withdrawn or have had their interest rates changed so in most cases both this thread and the no chat thread should be updated the day a change is reported in this thread. 

If you notice a regular saver account that meets the criteria for being included on this thread that isn't already listed, you notice an account listed on this thread has just been withdrawn or an interest rate change is announced affecting any of the regular savers on this list then please feel free to post a message on this thread and/or on The Archived History Of Regular Savers Thread *** NO CHAT*** thread detailing the changes.

If you choose to post information on The Archived History Of Regular Savers Thread *** NO CHAT*** thread, please ensure that you only post the information listed in the above paragraph and nothing else. The no chat thread should NOT be used to discuss regular savers as that is the purpose of this thread so please keep any discussion surrounding the regular saver is confined to this thread only.

Alternatively you may write a separate thread and then post a link here if you wish.

Regular saver ISA accounts are not included in this thread as these have been included in Kazza242's long running Cash ISAs: The Best ISAs Currently Available List.

Points to note

If you'd like to bookmark a link that takes you to the post after the last one you've read (or the latest post if you've read all of them) then use this:
https://forums.moneysavingexpert.com/discussion/6576962/the-top-regular-savers-discussion-thread#latest

If you wish to receive automatic alerts when new posts are added to this thread then use the following instructions. Login, go to the top of any page in this thread, click "Thread tools" then click on "Subscribe to this thread" and then select whether you want to be notified as soon as there is a new post (you will receive an e-mail telling you to go to the website for more details) or select daily or weekly updates (you will receive an e-mail daily / weekly with a handy summary of all the new posts).

If you are not sure whether the best place for your money is in a regular savings account or another type of savings account then look at the article How to Start Saving. 

Whilst children's regular savers have been included I would strongly recommend that you read the section about the tax implications for interest from children's accounts in MSE's article Best Child Savings.

For those with a lump sum they wish to drip-feed into regular savers, please see the the MSE list of the best current accounts that pay interest . Alternatively you could place a lump sum in an easy access account and move money across to regular savers. See @soulsaver's existing Top Easy Access acs Ranked: Top of The Pots - **No Chat** thread for a regularly updated list of the top easy access accounts.

You may also be interested in the following threads:
The Archived History Of Regular Savers Thread *** NO CHAT*** 
How can regular savings accounts offer such good interest rates? 
Are Regular Savers still worth it? (Calculations and discussion regarding drip feeding lump sums into regular savings accounts) 
Is there a best time of the month to deposit in Regular Savers?
Transfers from Barclays to regular savings accounts 

Websites with useful information include:
Moneyfacts Regular Savers Page
Moneyfacts.co.uk Children's Savings Accounts Page

Common abbreviations and terms you may see used in this thread

• Account Month - This is a month beginning on the day of the month you opened a regular saver account as opposed to a calendar month, e.g. if you opened a regular saver on 20th January, the first account month would be 20th January - 19th February, the second account month would be 20th February - 19th March etc. 
• Refresh/renew (an account) - Close an account to reopen the same account.
• NLA - No Longer Available, usually used in reference to a regular saver that has been withdrawn to new applicants.
• Var - Variable
• Fix - Fixed
• RS - Regular Saver
• P.A - Per Annum
• AER - Annual Equivalent Rate
• N/A - Not Applicable
• BS - Building Society
• EA - Easy Access 

History & background of this thread

Thanks to numerous forum users for their contributions to this and previous versions of this thread over the years.

This is the 5th version of this thread.

The first four versions were maintained by @Special_Saver2 for over 17 years (due to technical issues, the thread has had to be re-started three times). The first version was before 2007, the second version lasted from 2007 to 2018, the third version was from 2018 to January 2020, the fourth version was from January 2018 to December 2024. 

Previous threads run by @Special_Saver2 took the form of an introduction to regular savers with a list of the top regular savers with summaries of their Ts&Cs on page 1 of the thread, with the remainder of the thread devoted to discussing the accounts on the first page of the thread.

After the arrival of a baby daughter @Special_Saver2 took the decision to hand over the running of this thread to me in December 2024 so in order to spend more time with their family and I have maintained it since 28th December 2024.

Upon taking over the thread I restructured the first page of the thread, halving the number of sections from 8 to 4, relaxing the scope of what can be discussed in this thread to include accounts that have been withdrawn and their maturity processes.

I also took the decision that the existing ``An Archived List Of Regular Saver Ts&Cs" thread should become an archive of any changes that happen to the top regular savers and be renamed to ``The Archived History Of Regular Savers Thread *** NO CHAT***" thread.

For a full summary of the changes I made on 28/12/24 see the link below:
https://forums.moneysavingexpert.com/discussion/comment/81187240/#Comment_81187240

Bridlington1

Regular Savers Open To All Part 1:

Principality BS 6 Month Regular Saver (Issue 3) ~~~ Launched 13/3/25
Interest rate: 7.5% AER fixed
Monthly payment: £0-£200 per calendar month
Miss any payments: Yes, you can miss as many as you wish
Penalty-free withdrawals: No withdrawals allowed but early closure is permitted without penalty
Age of applicant: Aged 16 or over
How to open account: Branch or online
Length of account term: 6 months from the date of opening
Maximum balance: £1,200
Deposits on non-working days: Treated as having been received the same day.
Special conditions: N/A

First Direct Regular Saver Account
Interest rate: 7% gross p.a. fixed
Monthly payment: £25-£300 per account month
Miss any payments: No
Penalty-free withdrawals: No, you can close the account early with all interest paid at their standard variable Saving Account interest rate
Age of applicant: 18
How to open account: Online or app
Length of account term: 12 months from the date of opening
Maximum balance: N/A
Deposits on non-working days: N/A- payment by standing order only which is processed on working days only.
Special conditions: Payments must be made by standing order from your First Direct current account and must be made on the monthiversary of the account being opened. If you pay in less than £300 per month then you can make up the extra  amount in future months - your maximum balance goes up by £300 per month. You must hold a First Direct 1st current account for as long as you hold this account. You can vary the standing order amount by telephone.

Co-operative Bank Regular Saver
Interest rate: 7% gross p.a. variable
Monthly payment: £0-£250 per calendar month
Miss any payments: Yes, as many as you like
Penalty-free withdrawals: Yes, as many as you like
Age of applicant: Aged 16 or over
How to open account: Branch or online
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 next working day.
Special conditions: You must already have a Co-operative Bank current account. To keep the account open, you must pay in at least £1 within 30 days of it being opened. The 12 month term will start from the date they accept your first deposit rather than the date you open the account and you have 30 days to make your initial deposit.

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

Lloyds Club Lloyds Monthly Saver
Interest rate: 6.25% gross p.a. fixed
Monthly payment: £25-£400 per calendar month
Miss any payments: Yes, miss as many as you wish
Penalty-free withdrawals: Yes, as many as you wish
Age of applicant: Age 18 years old or older
How to open account: Branch, online, app or telephone
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: You must have a Club Lloyds account. There is nothing to stop you having this account and a Lloyds Monthly Saver at the same time (and many MSE Forum Users have both accounts). You can only open one Club Lloyds Monthly Saver every 12 months. If you close the account within 12 months of opening it, you won’t be able to open another one until after the anniversary date.

AIB (NI) Regular Saver
Interest rate: 6% gross p.a. variable from 26th October 2023
Monthly payment: £0-£500 per calendar month
Miss any payments: Miss as many as you wish
Penalty-free withdrawals: Yes, as many as you wish
Age of applicant: At least 18 years old
How to open account: Branch or online
Length of account term: No stated end date but with caveat (see below)
Maximum balance: N/A
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: You can continue to save into this account after 12 months but the balance that will earn this interest rate will reset to £500 per month of new deposits (existing deposits within the first 12 months will then earn a lower interest rate). You need to have an AIB (NI) Select Account or Current Account.

West Brom BS Fixed Rate Regular Saver (Issue 7)
Interest rate: 6% gross p.a. fixed
Monthly payment: £10-£250 per calendar month
Miss any payments: Yes, as many as you like
Penalty-free withdrawals: No withdrawals or early closure allowed
Age of applicant: Age not specified 
How to open account: Branch only
Length of account term: 12 months from the date of opening
Maximum balance: £3,000
Deposits on non-working days: Treated as having been received the same day.
Special conditions: N/A

Market Harborough Fixed Term Regular Saver (30.06.2026) ~~~ Launched 16/4/25
Interest rate: 5.8% gross p.a. fixed
Monthly payment: £10-£250 per calendar month
Miss any payments: Yes, you can miss one payment
Penalty-free withdrawals: No withdrawals permitted however if more than one monthly payment is missed during a calendar year the account will be transferred to the easy access account and interest rate at that time.
Age of applicant: Any age; for under 18s, the account must be opened by an adult in the capacity of Trustee.
How to open account: Branch only
Length of account term: Matures 30/6/2026
Maximum balance: £3,750
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: Customers may only have two Fixed Term Regular Saver accounts open at a time, either solely or jointly, with a combined maximum deposit of £250 per month not exceeding the maximum balance of £3,750.00. Further deposits into this product may be prohibited at any time. When they do this, they will update the relevant section within the ‘Current interest rates for withdrawn products’ page of mhbs.co.uk. They will not personally notify you when they do this. 

Mansfield BS Bonus Regular Savings (Issue 8) ~~~ Moved lists 13/1/25
Interest rate: 5.6% from 7/3/25 (reduces to 5.35% from 1/7/25) (includes 1.85% bonus for 1 year) 
Monthly payment: £10-£250 per calendar month
Miss any payments: Can miss two per year
Penalty-free withdrawals: Two withdrawals per calendar year, if you make a 3rd withdrawal (including account closure after the two free withdrawals) then you will pay a penalty equivalent to 90 days' interest, withdrawals by post can be made by cheque only.
Age of applicant: Age 16 or over
How to open account: Branch or post
Length of account term: No maturity date but bonus lasts for 12 months from account opening, after which account reverts to 4% variable
Maximum balance: £50,000
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: Can only be opened by those who live in Nottinghamshire, Derbyshire or South Yorkshire and/or existing members.

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

Bank of Scotland Monthly Saver
Interest rate: 5.5% gross p.a. fixed
Monthly payment: £25-£250 per calendar month
Miss any payments: Yes, miss as many as you like
Penalty-free withdrawals: Yes, as many as you wish
Age of applicant: Age 16 years old or older
How to open account: Branch, online, app or telephone
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: You must have a Bank of Scotland current account. If you close the account early, you won’t be able to open another one until a year after you opened the account. 

Halifax Regular Saver
Interest rate: 5.5% gross p.a. fixed
Monthly payment: £25-£250 per calendar month
Miss any payments: Yes, miss as many as you like
Penalty-free withdrawals: No withdrawals except for account closure
Age of applicant: Age 16 years old or older
How to open account: Branch, online, app or telephone
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: They will open an Everyday Saver account as part of this application. After 12 months any money you’ve saved in your Regular Saver plus interest will transfer into your Everyday Saver account and your Regular Saver will renew for another 12 months.

NatWest Digital Regular Saver Account
Interest rate: 5.5% AER (5.37% gross) on balances of £5k or less and 1.15% AER on balances of over £5k from 30/5/25
Monthly payment: £0-£150*** per calendar month
Miss any payments: Yes, as many as you wish
Penalty-free withdrawals: Yes, as many as you wish. No interest paid in the month the account is closed.
Age of applicant: 16 years or over
How to open account: Online or app
Length of account term: No stated end date
Maximum balance: £5k for the top rate of interest
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: You must have a current account with them. ***Money paid into the account through ``round ups" and ``rewards" do not count towards the £150 monthly limit. 

Royal Bank of Scotland Digital Regular Saver Account
Interest rate: 5.5% AER (5.37% gross) on balances of £5k or less and 1.15% AER on balances of over £5k from 30/5/25
Monthly payment: £0-£150*** per calendar month
Miss any payments: Yes, as many as you wish
Penalty-free withdrawals: Yes, as many as you wish. No interest paid in the month the account is closed.
Age of applicant: 16 years or over
How to open account: Online or app
Length of account term: No stated end date
Maximum balance: £5k for the top rate of interest
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: You must have a current account with them.  ***Money paid into the account through ``round ups" and ``rewards" do not count towards the £150 monthly limit. 

Newcastle BS Regular Saver (Issue 1)
Interest rate: 5.25% AER variable from 5/6/25
Monthly payment: £0-£200 per calendar month
Miss any payments: Yes, miss as many as you like
Penalty-free withdrawals: Yes, as many as you wish
Age of applicant: Age 16 years old or older
How to open account: Branch or online
Length of account term: 12 months from the date of opening
Maximum balance: £2,400 plus interest
Deposits on non-working days: Treated as having been received the same day.
Special conditions: N/A

Bridlington1

Regular Savers Open To All Part 2:

Principality BS 1 Year Triple Access Regular Saver
Interest rate: 5.4% from 13/3/25 (reduces to 5.15% from 19/6/25)
Monthly payment: £0-£50 per calendar month
Miss any payments: Yes, as many as you like
Penalty-free withdrawals: You can take money out up to three times every calendar year. You can close the account at any time but closure counts as a withdrawal
Age of applicant: Age 16 or over
How to open account: Branch or 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 same day.
Special conditions: N/A

Lloyds Monthly Saver
Interest rate: 5.25% gross p.a. fixed
Monthly payment: £25-£250 per calendar month
Miss any payments: Yes, miss as many as you like
Penalty-free withdrawals: Yes, as many as you like
Age of applicant: Age 16 years old or older
How to open account: Branch, online, app or telephone
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: You must have a Lloyds current account. There is nothing to stop you having this account and a Club Lloyds Monthly Saver at the same time (and many MSE Forum Users have both accounts). You can only open one Lloyds Monthly Saver every 12 months. If you close the account within 12 months of opening it, you won’t be able to open another one until after the anniversary date.

Chorley BS Regular Saver (31.05.2026) ~~~ Launched 2/6/25
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 31/5/26
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 30/6/25. Only one Regular Saver and one Seasonal Saver can be held in any 12 month rolling period.

Kent Reliance Regular Savings Account (Issue 12)
Interest rate: 5.1% gross p.a. variable from 21st February 2024
Monthly payment: £1-£500 per calendar month
Miss any payments: No, missed payments results in the account reverting to an easy access account
Penalty-free withdrawals: Yes, as many as you like
Age of applicant: No stated age limits 
How to open account: Branch only
Length of account term: 12 months from the date of opening
Maximum balance: £6,000
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: Account has a minimum operating balance of £25

Darlington BS 12 Month Regular Saver
Interest rate: 5% gross p.a. variable from 3/3/25
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: 12 months from the date of opening
Maximum balance: £3,000
Deposits on non-working days: Treated as having been received the same day.
Special conditions: N/A

Melton BS Regular Saver (Issue 5)
Interest rate: 5% gross p.a. variable on the first £5,999 then 2.5% on £6,000+ (this interest rate first noted on 31st July 2024)
Monthly payment: £0-£500 per calendar month
Miss any payments: Yes, as many as you wish
Penalty-free withdrawals: Yes, as many as you wish
Age of applicant: Not stated
Length of account term: No maturity date
Maximum balance: £500,000

How to open account: Branch or post
Deposits on non-working days: Treated as having been received the same day.
Special conditions: Withdrawals can be made to your nominated account by phone or by sending a secure message in online banking.

HSBC Regular Saver Account
Interest rate: 5% gross p.a. fixed
Monthly payment: £25-£250 per account month
Miss any payments: No
Penalty-free withdrawals: No, you can close the account early with all interest paid at their standard variable Flexible Saver Account interest rate.
Age of applicant: 18 years or over
How to open account: Online or by telephone
Length of account term: 12 months from the date of opening
Maximum balance: N/A
Deposits on non-working days: N/A- payment by standing order only which is processed on working days only.
Special conditions: If you pay in less than £250 per month then you can make up the extra amount in future months - your maximum balance goes up by £250 per month. You must have one of the following HSBC current accounts: HSBC Premier, HSBC Advance, Bank Account, Bank Account Pay Monthly, HSBC Student Bank Account or Graduate Bank Account which you must maintain for the 12 month duration.

Santander Regular eSaver Account (Issue 20)
Interest rate: 5% gross p.a. fixed
Monthly payment: £0-£200 per account month
Miss any payments: Yes, you can miss as many as you wish
Penalty-free withdrawals: Yes, as many as you wish
Age of applicant: Aged 16 or over
How to open account: Branch or online
Length of account term: 12 months from the date of opening
Maximum balance: £2,400 plus interest
Deposits on non-working days: Treated as having been received the same day.
Special conditions: You must fund this account from a Santander current account (excluding 1|2|3 Mini In Trust) and you must be signed up for Online or Mobile Banking. If you don’t fund the account from your Santander current account or if you deposit more than £200 in any month, Santander reserve the right to change your account into an Everyday Saver. If you have paid into your Regular eSaver by standing order from your Santander current account (including one in joint names) that continues on beyond maturity, they will automatically renew your Regular eSaver for another 12 months at the interest rate and on the Terms and Conditions applicable at that time, and transfer the final balance at the end of the term (including interest earned) to your Santander current account from which the standing order was paid, including if your current account is in joint names. Alternatively, if you don't have a standing order in place when your Regular eSaver matures, Santander will transfer your final balance including interest earned to an Everyday Saver account. They will contact you with more details, together with your new interest rate, closer to your maturity date.

Penrith Regular E-Saver 200 (Issue 1)

Interest rate: 5% gross p.a. variable (this interest rate first noted 27th November 2024)
Monthly payment: £0-£200 per calendar month
Miss any payments: Yes, miss as many as you wish
Penalty-free withdrawals: A maximum of four withdrawals per calendar year (January to December) are allowed. The account will be closed upon the 5th withdrawal in the same calendar year.
Age of applicant: Aged over 18
How to open account: Online only
Length of account term: 2 years from date of opening
Maximum balance: None stated other than £250,000 across all Penrith BS accounts
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: Joint accounts are not permitted. A Nominated UK Bank Account must be set up at the point of account opening and all withdrawals will be made to this account. Your first payment into the account must be made from your Nominated Bank Account. Subsequent payments into the account can be made by bank transfer from any UK bank account. They will only accept Nominated Bank accounts in your name or to which you are a joint party from financial institutions that hold a UK banking licence.

Penrith Regular Saver 200 (Issue 2)
Interest rate: 5% gross p.a. variable (this interest rate first noted 30th November 2024)
Monthly payment: £0-£200 per calendar month
Miss any payments: Yes, miss as many as you wish
Penalty-free withdrawals: A maximum of two withdrawals per calendar year (January to December) are allowed. The account cannot be closed prior to maturity other than in the event of death.
Age of applicant: 16 and over
How to open account: Branch only
Length of account term: 2 years from date of opening
Maximum balance: None stated other than £250,000 across all Penrith BS accounts
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: Joint accounts are not permitted. The account cannot be closed prior to maturity other than in the event of death.

Bridlington1

Regular Savers Open To All Part 3:

TSB Monthly Savings Account ~~~ Launched 29/4/25
Interest rate: 5% AER fixed
Monthly payment: £25-£250 per calendar month
Miss any payments: No stated penalty for missing any payments
Penalty-free withdrawals: Yes, as many as you wish
Age of applicant: Aged 16 years or over
How to open account: Branch or online
Length of account term: 12 months from the date of opening
Maximum balance: £3,000
Deposits on non-working days: Treated as having been received the same day.
Special conditions: You must have a TSB current account to open this account. If you close your Monthly Saver before the end of the 12 month term, you won't be able to open another account before the first anniversary of this account.

Principality BS 1 Year Regular Saver Bond (Issue 36) ~~~ Launched 13/3/25
Interest rate: 4.85% gross p.a. fixed
Monthly payment: £0-£250 per calendar month
Miss any payments: Yes, as many as you wish
Penalty-free withdrawals: Penalty-free account closure allowed but otherwise no withdrawals until account maturity
Age of applicant: Age 16 or over

How to open account: Branch or online
Length of account term: 12 months from the date of opening
Maximum balance: £3,000
Deposits on non-working days: Treated as having been received the same day.
Special conditions: N/A

Suffolk 1 Year Fixed Rate Regular Saver (31.07.2026) ~~~ Launched 28/4/25
Interest rate: 4.85% AER Fixed
Monthly payment: £10-£500 per calendar month
Miss any payments: Yes, as many as you like
Penalty-free withdrawals: None
Age of applicant: At least 16 years old
How to open account: Branch/post
Length of account term: Matures 31/7/2026
Maximum balance: None stated other than £500,000 across all Suffolk BS accounts
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: N/A

Suffolk BS Online 1 Year Fixed Rate Regular Saver (31.07.2026) ~~~ Launched 28/4/25
Interest rate: 4.85% AER Fixed
Monthly payment: £10-£250 per calendar month
Miss any payments: Yes, as many as you like
Penalty-free withdrawals: None
Age of applicant: At least 16 years old
How to open account: Online
Length of account term: Matures 31/7/2026
Maximum balance: None stated other than £500,000 across all Suffolk BS accounts
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: N/A

Leeds BS Home Deposit Saver (Issue 4) ~~~ Launched 14/5/25

Interest rate: 4.8% gross p.a. variable
Monthly payment: £0-£500 per calendar month
Miss any payments: No stated penalties for missing any payments
Penalty-free withdrawals: One penalty free withdrawal per calendar year excluding closure subject to the minimum balance of £100 being maintained
Age of applicant: Aged 18 or older
How to open account: Branch, online or post
Length of account term: No maturity date
Maximum balance: £30,000 plus interest
Deposits on non-working days: Treated as having been received the same day.
Special conditions: There is a £500 bonus if you take out a residential mortgage subject to certain conditions (see website for more details). Withdrawals/closure can be made by faster payment over the phone.

Loughborough BS Limited Access Monthly Saver
Interest rate: 4.75% gross p.a. variable from 10th December 2024
Monthly payment: £1-£2000 per calendar month ***
Miss any payments: No stated penalties for missing any payments
Penalty-free withdrawals: 1 withdrawal per account year (1st April-31st March)
Age of applicant: Aged 16 or older
Length of account term: No maturity date
Maximum balance: £50,000
How to open account: branch/post
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: *** This must be as a single payment, multiple deposits within the same month are not permitted even if the total amount deposited is less than £2000. Total maximum savings over a 12 month period is £24,000 (lump sum payments are not allowed).

Aldermore Regular Saver Account (Issue 3) ~~~ Launched 13/5/25
Interest rate: 4.75% gross p.a. variable
Monthly payment: £0-£300 per calendar month
Miss any payments: Yes, as many as you wish
Penalty-free withdrawals: Yes, as many as you wish
Age of applicant: Age 18 or over

How to open account: Online
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: You cannot open this account if you already have an Aldermore Regular Saver Account (Issue 1 or 2). Deposits must come from your nominated account or another Aldermore account in your name.

Ford Money Step Up Saver
Interest rate: 4.75% gross p.a. fixed
Monthly payment: £25-£200 per calendar month
Miss any payments: No penalties for missing any payments
Penalty-free withdrawals: Unlimited
Age of applicant: Aged 16 or older
Length of account term: 12 months from opening
Maximum balance: None other than £2,000,000 across all Ford Money accounts
How to open account: Online
Deposits on non-working days: Treated as having been received the same day.
Special conditions: Deposits must be made from your nominated account or another Ford Money account in your name.

Nottingham BS Branch Regular Saver Issue 3 ~~~ Launched 23/4/25
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 30/6/26
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.

Leeds BS Regular Saver (Issue 65) ~~~ Launched 30/5/25
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 1/6/2027
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.

Yorkshire BS First Home eSaver/Saver

Interest rate: 4.7% gross p.a. variable from 10th December 2024
Monthly payment: £0-£500 per calendar month
Miss any payments: No stated penalties for missing any payments
Penalty-free withdrawals: The First Home eSaver/Saver account allows you unlimited number of withdrawals from your account on one day per account year based on the anniversary of the account opening date. If required you can close your account even if you have used your withdrawal day.
Age of applicant: Aged 16 or older
Length of account term: 24 months from opening
Maximum balance: £12,000
How to open account: Online if opening the First Home eSaver, branch/post only for the First Home Saver account
Deposits on non-working days: Treated as having been received the same day.

Special conditions:  You can only hold one First Home eSaver or First Home Saver account in your name. For joint accounts you can only be the Main Holder on one account but can be Other Holder on the second account. You can only hold a First Home eSaver account if you are saving towards owning your first home.

Principality BS First Home Steps Savings Account (Issue 5)  ~~~ Launched 23/1/25

Interest rate: 4.65% AER variable from 13/3/25 (reduces to 4.4% from 19/6/25)
Monthly payment: £0-£1,000 per calendar month
Miss any payments: Miss as many payments as you wish
Penalty-free withdrawals: Yes, 3 per calendar year including closure
Age of applicant: Aged 18 or over
How to open account: Branch/agency or online
Length of account term: 5 years from opening
Maximum balance: £50,000 plus interest
Deposits on non-working days: Treated as having been received the same day.
Special conditions: You can only open this account if you do not own or have not previously owned a property. If you complete on a Principality Building Society residential mortgage on your first home in England or Wales and your First Home Steps Account has been open between 1 and 5 years, with at least the minimum balance, you may be eligible for a Celebratory Bonus of £500 (see your First Home Steps Account account terms). The Celebratory Bonus will be paid into your First Home Steps Account on completion of the mortgage.

Coventry BS First Home Saver (Issue 2)

Interest rate: 4.6% gross p.a. variable from 2/6/25
Monthly payment: £1-£1,000 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 16 or older
How to open account: Branch, online, post or telephone
Length of account term: 36 months from opening
Maximum balance: £36,000 if opened on 1st of the month, £37,000 if opened on any other day
Deposits on non-working days: Treated as having been received the same day.
Special conditions: You will also be eligible for a Celebratory Bonus of £500 if your account has been continuously open for at least 6 calendar months, it has been 5 years or less since the account was opened and you, or a member of your family, are a first time buyer who has completed on a mortgage with Coventry BS in respect to a first residential home. For more information on this, please refer to the Specific Terms of this account.

State Bank of India Regular Saver Account Issue 2 ~~~ Launched 14/2/25***
Interest rate: 4.5% gross p.a. fixed
Monthly payment: £20-£1,000 per calendar month
Miss any payments: None; if the minimum deposit is not made during a month, the interest rate will drop to the prevailing Instant Access Savings Account interest rate for that month
Penalty-free withdrawals: None; you will earn interest at a lower rate – the same rate offered on their Instant Access Savings Account for the month in which a withdrawal is made
Age of applicant: 18 years or over
How to open account: To open a Regular Savers account, you must first have an SBIUK Instant Access Savings Account or Current Account. You can open this by visiting one of the SBIUK branches.
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 next working day.
Special conditions: You must have a current account or instant access savings account with them and use this to deposit funds into the regular saver account  *** Account added to lists on 19/2/25 but appears to have been launched on 14/2/25..

Furness BS 1 Year Regular Saver (Issue 6) ~~~ Added 31/5/25***
Interest rate: 4.5% gross p.a. variable
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

Stafford BS Regular Saver (Issue 1)
Interest rate: 4.4% AER variable from 1/6/25
Monthly payment: £25-£1,000 per calendar month
Miss any payments: Yes, as long as you do not miss three payments in one Society year (1st November-31st October)
Penalty-free withdrawals: Yes, you can make 4 withdrawals per Society year (ending 31st October)
Age of applicant: Age not stated
How to open account: Branch, online or post
Length of account term: No maturity date
Maximum balance: £100,000 plus interest
Deposits on non-working days: Treated as having been received the same day.
Special conditions: Often restricts account opening to those living in the following postcodes ST14, ST15, ST16, ST17, ST18, ST19, ST20, ST21 and WS7, WS11, WS12, WS13, WS15.

Hinckley and Rugby BS Regular Saver 30 Day Notice Account (Issue 2)

Interest rate: 4.35% AER variable from 30/5/25
Monthly payment: £1-£1,000 per calendar month
Miss any payments: No stated penalty for missing any payments
Penalty-free withdrawals: As many as you want but you have to provide 30 days' notice in writing, by telephone or in branch. Withdrawals can be made by cash (up to £500 per day) or by cheque.
Age of applicant: Aged 13 years old or older
How to open account: Branch or post
Length of account term: 24 months from opening
Maximum balance: N/A
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: The account matures after 24 months. You can only hold one Regular Saver account (irrespective of the issue number) at any time

Skipton BS Home Deposit Saver Issue 4 ~~~ Added 31/5/25***
Interest rate: 4.31% gross p.a. variable
Monthly payment: £0-£500 per calendar month
Miss any payments: Yes, as many as you wish
Penalty-free withdrawals: No withdrawals except for account closure, which you can do without notice and without penalty
Age of applicant: Aged 16 years old or older
How to open account: Branch, online, telephone or post
Length of account term: 24 months from date of first deposit
Maximum balance: £12,000 plus interest
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: Any unused monthly allowances can be rolled over to future months, up to a maximum of £12,000 over the 24 month term. ***Account launched 8/5/25 but not eligible for inclusion until 31/5/25 due to changing thresholds

Bridlington1

Local/Loyal/Beta/New Member Only accounts:

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.

Saffron BS Refer A Friend Saver~~~ Launched 31/5/25 ~~~ Ts&Cs changed 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 be a new member and complete their Refer a Friend survey and supply them with the name of someone who has their Member's Month Loyalty Saver as well as applying for your account. If you do not complete the survey, your account shall be closed. Please note the forum rules prohibit the exchanging of personal details.

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.

Bath BS 16-25 Regular Saver
Interest rate: 6.65% gross p.a. variable from 2/6/25
Monthly payment: £10-£50 per calendar month
Miss any payments: Yes, just as long as you do not miss two consecutive months' payments in a row
Penalty-free withdrawals: Yes, two per calendar year
Age of applicant: Aged 16-25
How to open account: Branch, online or app
Length of account term: Matures on 26th birthday
Maximum balance: £7,000 including interest
Deposits on non-working days: Treated as having been received the next working day.

Special conditions: Available to those who live, work or study in Bath and/or have held a Bath BS account continuously for at least the last 12 months.

Skipton BS Member Regular Saver (Issue 4) ~~~ Launched 21/1/25
Interest rate: 6.25% AER variable (tracks 2% above the BOE base rate for 12 months)
Monthly payment: £0-£250 per calendar month
Miss any payments: Yes, miss as many as you like
Penalty-free withdrawals: No withdrawals except for account closure
Age of applicant: Aged 16 and over
How to open account: Branch, online, post or telephone
Length of account term: 12 months from date of first deposit
Maximum balance: £3,000
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: You need to hold a continuous membership with Skipton Building Society (a Savings Share account or a Mortgage) starting on or before 20th January 2025 with a minimum balance of £1. Any unused monthly allowances can be rolled over to future months, up to a maximum of £3,000 over the 12-month term. Joint accounts are not allowed. You can only hold one Member Regular Saver account (either a Member Regular Saver or a Branch Member Regular Saver) in your name at any one time. If the Bank of England Base Rate changes, the new interest rate on your account will apply without notice, no more than 14 days after the change is effective.

Vernon BS Online Regular Saver

Interest rate: 6% AER variable from 2/6/25
Monthly payment: £25-£250
Miss any payments: Yes, miss as many as you like
Penalty-free withdrawals: No withdrawals except for account closure
Age of applicant: Aged 18 and over
How to open account: Online
Length of account term: No end date with caveat (see below)
Maximum balance: N/A
Deposits on non-working days: Terms unclear, reports from forum users suggest deposits are treated as having been received the next working day.
Special conditions: A linked Easy Access account will be opened for you at the same time unless you already have one. Every 12 months, all but £1 of the money saved in this account is transferred to a linked Vernon Easy Access account in your name. This money can then be accessed as required and you are able to continue making monthly deposits into the Online Regular Saver. This account is only available to UK residents living in the following postcodes: BL, CH, CW, M, OL, SK, WA or WN, unless you were a Society member prior to 1st May 2024

The Cambridge BS Extra Reward Regular Saver (Issue 2)

Interest rate: 6% gross p.a. fixed
Monthly payment: £0-£300 per calendar month
Miss any payments: Miss as many as you like
Penalty-free withdrawals: None. Closure is allowed subject to a 90 day interest penalty. 
Age of applicant: Age 16 or over
How to open account: Branch, phone or post
Length of account term: 12 months from account opening
Maximum balance: £3,600
Deposits on non-working days: Treated as having been received the same day.
Special conditions: Only for those who have held a savings or mortgage account with The Cambridge BS for at least three years. You may only hold one Regular Saver account with the Society at any one time; this includes their Regular Saver, Reward Regular Saver and Extra Reward Regular Saver accounts.

Loughborough BS 1 Year Super Saver Account (Local) ~~~ Launched 14/4/25***
Interest rate: 6% AER. variable
Monthly payment: £1000-£2000 per calendar month ***
Miss any payments: No. If the required 12 monthly deposits are not made, the account will be transferred to an Instant Access Saver 1.
Penalty-free withdrawals: 1 withdrawal per account year (1st April-31st March) plus closure
Age of applicant: Aged 16 or older
Length of account term: 12 months from opening
Maximum balance: £24,000
How to open account: branch/post
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: Only available to new and existing customers residing in the postcodes LE, DE, NG. *** Was first spotted around midnight of 15/4/25 but judging by the way it appears on moneyfacts it appears to have been launched before then

Yorkshire BS Loyalty Regular Saver/eSaver

Interest rate: 5.25% from 11/3/25 (reduces to 5.05% from 19/6/25)
Monthly payment: £0-£250 per calendar 
Miss any payments: No penalty for missing any payments
Penalty-free withdrawals: One withdrawal day 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: £3,000
Deposits on non-working days: Treated as having been received the same day.
Special conditions: You must have an open account (Savings or Mortgage) with Yorkshire Building Society for at least 12 continuous and consecutive months prior to the date of application and already be registered for online access. Chelsea Building Society, Norwich & Peterborough Building Society and YBS Share Plan account holders will not be eligible to open a Loyalty Regular eSaver but can open the branch based Loyalty Regular Saver as an alternative, subject to having an open account (Savings or Mortgage) with them for at least 12 continuous and consecutive months prior to the date of application. You can only hold one Loyalty Regular eSaver or Loyalty Regular Saver account in your name. For joint accounts you can only be the Main Holder on one account but can be Other Holder on the second account. The maximum balance (excluding interest) is £3,000 at the end of the 1 year term.

Chorley BS Regional 2 Year Flexible Saver (31.05.2027) ~~~ Launched 2/6/25
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 31/5/27
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 30/6/2025. 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).

Cumberland BS Regular Saver (Issue 3)
Interest rate: 5% gross p.a. variable (rate effective 7th January 2025)
Monthly payment: £0-£250 per calendar month
Miss any payments: Miss as many as you like
Penalty-free withdrawals: Unlimited
Age of applicant: Aged 18 years or older
How to open account: Branch
Length of account term: 12 months from account opening
Maximum balance: £3,000 plus interest
Deposits on non-working days: Treated as having been received the same day.
Special conditions: This account is available to open for Cumberland Plus current account customers only and you must live in their operating area to open this account (Cumbria (all CA and LA postcodes), South-West Scotland (all DG postcodes and TD9), West Northumberland (NE45-49), North Lancashire (all PR, FY, LA AND BB1-2 and BB5-7)).

The Cambridge BS Reward Regular Saver (Issue 3)

Interest rate: 5% gross p.a. fixed
Monthly payment: £0-£300 per calendar month
Miss any payments: Miss as many as you like
Penalty-free withdrawals: None. Closure is allowed subject to a 90 day interest penalty. 
Age of applicant: Age 16 or over
How to open account: Branch, phone or post
Length of account term: 12 months from account opening
Maximum balance: £3,600
Deposits on non-working days: Treated as having been received the same day.
Special conditions: Only for people who have held a savings or mortgage account with The Cambridge BS for at least 12 months. You may only hold one Regular Saver account with the Society at any one time; this includes their Regular Saver, Reward Regular Saver and Extra Reward Regular Saver accounts.

Loughborough BS 2 Year Super Saver Account (Local) ~~~ Launched 14/4/25***
Interest rate: 5% AER variable 
Monthly payment: £500-£1000 per calendar month ***
Miss any payments: No. If the required 24 monthly deposits are not made, the account will be transferred to an Instant Access Saver 1.
Penalty-free withdrawals: 1 withdrawal per account year (1st April-31st March) plus closure
Age of applicant: Aged 16 or older
Length of account term: 24 months from opening
Maximum balance: £24,000
How to open account: branch/post
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: Only available to new and existing customers residing in the postcodes LE, DE, NG. *** Was first spotted around midnight of 15/4/25 but judging by the way it appears on moneyfacts it appears to have been launched before then

Leek BS Regular Saver Account (Issue 3)
Interest rate: 4.35% AER variable from 4/6/25
Monthly payment: £0-£500 per calendar month
Miss any payments: Miss as many as you like
Penalty-free withdrawals: 
Age of applicant: Age 16 or over
How to open account: Branch, post or online
Length of account term: 12 months from account opening
Maximum balance: £50,000
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: Only available to those who are an existing customer and have been for at least 12 months, or live in the following postcode areas - CW, SK, DE, TF, ST, WS15.

Bridlington1

Children's Regular Savers:

Halifax Kids' Monthly Saver

Interest rate: 5.5% gross p.a. fixed
Monthly payment: £10-£100
Miss any payments: Yes, as many as you like
Penalty-free withdrawals: No withdrawals permitted except for early closure of the account
Age of applicant: Aged up to 15 years old (but the account can continue beyond the child's 15th birthday)
How to open account: Branch or online (but account can only be operated in branch)
Length of account term: 12 months from account opening
Maximum balance: N/A
Deposits on non-working days: Treated as having been received the same day.

Special conditions: You can only open one account per child.

Penrith BS Junior Affinity Regular Saver - Red Squirrel Group
Interest rate: 4.7% gross p.a. variable
Monthly payment: £5-£100 per calendar month
Miss any payments: Yes, you can miss as many as you like
Penalty-free withdrawals: As many as you like
Age of applicant: Under 16
How to open account: Branch and post only
Length of account term: 5 years from account opening
Maximum balance: None stated other than the Society’s total limit on combined savings should not exceed £250,000
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: N/A

Penrith BS Junior Affinity Regular Saver - RUFC Juniors
Interest rate: 4.7% gross p.a. variable
Monthly payment: £5-£100 per calendar month
Miss any payments: Yes, you can miss as many as you like
Penalty-free withdrawals: As many as you like
Age of applicant: Under 16
How to open account: Branch and post only
Length of account term: 5 years from account opening
Maximum balance: None stated other than the Society’s total limit on combined savings should not exceed £250,000
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: N/A

Bridlington1

Recently NLA Regular Savers:

~~~~~~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).

This list only includes accounts that went NLA on or after 1/6/25, with the exception of Nationwide's RS Issue 4 which was not noted until 1/6/25. For accounts that went NLA prior to this see:
https://forums.moneysavingexpert.com/discussion/comment/80268180/#Comment_80268180

Bridlington1

Reserved for future use

Bridlington1

Reserved for future use

Bridlington1

Reserved for future use

Bridlington1

28/12/2024: A summary of changes since @Special_Saver2's final update on the 4th version of the main Regular Savers thread on 19th December 2024:

Changes to the structure of the list of accounts:

Previously there were seven  sections devoted to regular savers and an additional section devoted to feeder accounts. The number of sections has been reduced to the following four:

1. Regular Savers Open To All  - Regular savers that are not restricted to those under the age of 21, has no postcode/regional restrictions 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.
2. Local/Loyal/Beta accounts - Regular savers that are not restricted to those under the age of 21 but has postcode/regional restrictions and/or requires you to have been an existing member for any length of time. This section also includes regular savers that have only been offered to selected customers including those which are in their beta phase.
3. Children's regular savers - Regular savers that are restricted to those under the age of 21
4. Recently No Longer Available accounts - These are accounts that have been withdrawn recently but which people may be in the process of applying for. When this post becomes long older entries on this list shall be transferred to new posts in the new regular saver thread and a link to these posts shall be included on the first page of this thread.

The best feeder accounts section has been removed. For those with a lump sum they wish to drip-feed into regular savers, please see the the MSE list of the best current accounts that pay interest . Alternatively you could place a lump sum in an easy access account and move money across to regular savers. See @soulsaver's existing Top Easy Access acs Ranked: Top of The Pots - **No Chat** thread for a regularly updated list of the top easy access accounts

To compensate for the loss of individual sections for different account terms, each listing now explicitly states when the account shall mature.

Each listing also explicitly states whether the monthly deposit limit is per calendar month or per account month and the maximum balance for each account is stated explicitly, where no maximum is stated it can be assumed that the account permits a 13th payment, unless otherwise stated.

Changes to individual accounts:

The following accounts have been added to the lists:

Zopa Regular Saver Pot at 7.5% fixed, £300/mth max. This account is currently restricted to selected customers as it is still in its beta phase but Zopa plans to roll the account out more widely in 2025 so for the time being so is included in the Local/Loyal/Beta accounts list but may jump lists in the future.

Coventry BS Loyalty Seasonal Saver at 6% variable, £250/mth max, included in the Local/Loyal/Beta accounts list.

Saffron BS Children's Regular Saver at 5.25% variable, £100/mth max, included in the Children's regular savers list.

Cumberland BS Cumberland Regular Saver at 5.2% (var) (reducing to 5% on 7/1/25), £250/mth max, included in the Local/Loyal/Beta accounts list.

Chorley BS Regular Saver (30.11.2025) at 5.15% (var), £300/mth max.

Darlington BS 12 Month Regular Saver at 5.1% (var), £250/mth max.

Suffolk BS Online 1 Year Variable Rate Regular Saver (31.03.2026) at 5% (var), £500/mth max.

Suffolk BS 1 Year Variable Rate Regular Saver (31.03.2026) at 5% (var), £500/mth max.

Yorkshire Building Society Regular eSaver/saver at 4.85% (var), £250/mth max

Furness BS 1 Year Regular Saver (Issue 5) at 4.75% (var), £250/mth max

Progressive BS Online Regular Rainy Day Saver Account (Issue 2) at 4.75% (var), £250/mth max

Ford Money Step Up Saver at 4.75%, £200/mth max. The account pays a fixed rate of interest during its 12 month term though.

Saffron BS 12 Month Members' Regular Saver at 4.75% (var), account has a max monthly deposit of £500/mth. Included in the Local/Loyal/Beta accounts list.

Saffron BS Ware Regular Saver at 4.75% (var), £250/mth max. The account has been included as it lasts 3 years.

Coventry BS Regular Saver (6) at 4.75% (var), £500/mth max.

Bath BS Homestart Regular Saver at 4.74% (reduces to 4.54% from 3/1/25), allows deposits of up to £250/mth, has been included as the account matures on the account holder's 35th birthday, which potentially makes the account term over a decade depending on the age of the account holder.

Penrith BS Junior Affinity Regular Saver - Greener Every Day & Penrith BS Junior Affinity Regular Saver - Red Squirrel Group & Penrith BS Junior Affinity Regular Saver - RUFC Juniors all at 4.7% variable, £100/mth max. The accounts have been included as they mature 5 years from opening.

The following accounts have been removed from the lists:

Coventry BS Loyalty Mortgage Saver at 6%- went NLA

Market Harborough Fixed Term Regular Saver (30.11.2025) at 6%- went NLA and was replaced by Market Harborough Fixed Term Regular Saver (31.03.2026) at the same rate.

I must stress that this thread, the The Archived History Of Regular Savers Thread *** NO CHAT***  is strictly a NO CHAT thread so please ensure that any posts you make regarding regular savers are confined to The Top Regular Savers Discussion Thread ONLY (the thread you are currently in now).

That's the end of the update so feel free to use this thread.

EDITED TO ADD 29/12/24:

It seems there has been some confusion as to the new purpose of The Archived History Of Regular Savers Thread *** NO CHAT*** thread. See the clarification below:

Whenever I make any changes to the first page of this thread I shall make a post detailing the change in The Archived History Of Regular Savers Thread *** NO CHAT***, this includes but is not limited to a new account being added to the lists, an account being removed due to interest rate reductions or being withdrawn, interest rate changes and changes to the thresholds I set for inclusion to the lists.

Updates shall be made as and when it comes to my attention that new accounts have been launched, been withdrawn or have had their interest rates changed so in most cases both this thread and the no chat thread should be updated the day a change is reported in this thread. 

In the interests of clarity if a new regular saver is launched and people wish to make a post in the Archived thread to mention this I have no issues with them doing so whatsoever so long as any discussion surrounding the regular saver is confined to this thread only.