The Top Regular Savers Discussion Thread

flaneurs_lobster

clairec666 said:

While we're on the topic, I asked earlier if anyone had experience of refreshing Monmouthshire regular saver issue 8, but I think my comment got lost in other conversations. Any feedback on this? Good/bad/quick/slow?

I wouldn't be at all surprised if the reason that no-one has replied is because no-one has had the cojones to even try this with MonBS. People with rather more accounts than are actually allowed for in the T&Cs probably doesn't help either..

dcs34

Kim_13 said:

Loughborough have sent a copy of the rate reductions in the post. They neglected to include the account name and listed 0.20% reduction next to an empty box 😂 A full list of all their rates was enclosed so they probably won’t have to issue a correction.

Same here, though with two accounts I received two copies of the letter and leaflet. I guess technically that's good enough in terms of notice of interest reductions! But it does seem they forgot to add the account type to the letter when doing the 'mail merge'!

Bridlington1

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

In addition to the above it's now been confirmed their Home Saver is going to be unaffected by the above changes so remains at 4.25%.

Whilst I'm here the interest rate reductions for the Skipton tracker accounts has now come into effect so their Members RS (Issues 4 & 5) and Regular Saver (Issues 1 & 2) have fallen to 5.75% and 5.25% respectively. These changes shall be reflected on p1 of this thread shortly.

s71hj

flaneurs_lobster said:

clairec666 said:

While we're on the topic, I asked earlier if anyone had experience of refreshing Monmouthshire regular saver issue 8, but I think my comment got lost in other conversations. Any feedback on this? Good/bad/quick/slow?

I wouldn't be at all surprised if the reason that no-one has replied is because no-one has had the cojones to even try this with MonBS. People with rather more accounts than are actually allowed for in the T&Cs probably doesn't help either..

100% this, to the extent that I was on the verge of replying with exactly that!!! Same with Principality 

clairec666

flaneurs_lobster said:

clairec666 said:

While we're on the topic, I asked earlier if anyone had experience of refreshing Monmouthshire regular saver issue 8, but I think my comment got lost in other conversations. Any feedback on this? Good/bad/quick/slow?

I wouldn't be at all surprised if the reason that no-one has replied is because no-one has had the cojones to even try this with MonBS. People with rather more accounts than are actually allowed for in the T&Cs probably doesn't help either..

Fair point - from my experiences with their app, I would have doubts that it would run smoothly.

I've only got the allowed number of accounts, so no harm in attracting Monmouthshire's attention. I wouldn't want to completely mess things up though. Hence why I was wondering if anyone else had succeeded.

Pickledonionlover

dcs34 said:

Kim_13 said:

Loughborough have sent a copy of the rate reductions in the post. They neglected to include the account name and listed 0.20% reduction next to an empty box 😂 A full list of all their rates was enclosed so they probably won’t have to issue a correction.

Same here, though with two accounts I received two copies of the letter and leaflet. I guess technically that's good enough in terms of notice of interest reductions! But it does seem they forgot to add the account type to the letter when doing the 'mail merge'!

I received two letters yesterday too which have no indication (I have more than than two accounts with them) which accounts were impacted.

I resorted to this leaflet below.

@Bridlington1

https://www.theloughborough.co.uk/wp-content/uploads/2025/10/Interest-Rate-Poster-5-January-2026-1.pdf

saverkev

dibbles212 said:

Refreshing Advice

Does anyone have advice for "refreshing" RS accounts? Anything to look out for? For example, could I simply close my Lloyds 5.25% RS, receieve all interest and money up to that point, and then re-open? Are there preferable accounts or accounts to avoid for this?

Lloyds

Lloyds terms state you cannot open another RS until the full 12 month term has ended even if you close your current one. However it is possible to do it by reducing the balance to £5 or less and then renew the account into an easy saver. A new RS can then be opened.

topyam

Just opened a Chorley RS...

How long does it take for a payment to show up online?

Hattie627

topyam said:

Just opened a Chorley RS...

How long does it take for a payment to show up online?

If you sent the payment by FP, it will normally show on the Chorley system around 10am on the second business day after you sent it.

With Christmas, it won't show until next Monday.