The Top Regular Savers Discussion Thread

Bob2000

DUDLEY FESTIVE SAVER  13TH PAYMENT?

I assume with the max being £3250 then the answer is yes?

wmb194

Bob2000 said:

DUDLEY FESTIVE SAVER  13TH PAYMENT?

I assume with the max being £3250 then the answer is yes?

I think yes, it looks like it:

"What is my maximum operating balance? £3,250."

https://www.dudleybuildingsociety.co.uk/savings/personal-savings/regular-savings/festive-regular-saver/

Hattie627

Bob2000 said:

DUDLEY FESTIVE SAVER  13TH PAYMENT?

I assume with the max being £3250 then the answer is yes?

I've set up my SO on the basis that a 13th payment is allowed. Final SO to be 1st Dec 2026

Andystriker

Merry Christmas to all on this thread.  Thanks to Bridlington and everyone else who keeps us up to date.

Dudley Festive Regular Saver

I sent, by 1st class post, my application with my opening chq.  I posted it on Monday this week, 22nd December.  I was not expecting to hear back until after New Year.

To my amazement, I have just had todays post 24th December, and in it is the acceptance letter from Dudley with a shiney new passbook.

Archerychick

Dizzycap said:

Archerychick said:

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I’ve had a payment bounced back today for funds I’ve added to this account to replace money that was withdrawn earlier in the month.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

How quickly did your funds bounce back from the NatWest RS? I had taken some funds out at the start of this month to fund other RS, and put back in £200 of it yesterday lunchtime. This hasn’t bounced back into my current account yet. 

It took 3 days to bounce back into my NatWest current account    I'd just got my NatWest digital RS to £4600 and was going to stop funding it and just let the interest compound. However, I've now utilised some of the returned funds into 2 x 5.5% fixed rate RS, so a silver lining. At the moment I'm not intending to fund either of my digital RS as with the reduced interest rate of 5.25% var, they're less attractive than other new RS I have opened. but still available for any interest overspill from matured RS that can't be utilised elsewhere  Swings & roundabouts.

Three days! I pushed back in about £200 on 22nd, and that’s currently still in there. Assuming it would have bounced back if there was an issue by now, I’ve added back in the remaining £1.4k this morning. Oh well, will wait & see what happens. 

I’d just rather have these funds in an account earning 5.5% rather than 4.9% in Cahoot until they’re needed in January. If it does bounce then it’ll just be moved to Cahoot, it’s no big deal. I too have other higher RS to fund, and don’t think I’ve funded RBS or NatWest for about 6 months. 

nomorekids

clairec666 said:

A couple of niche regular saver questions:

1) Anyone had experience of refreshing Monmouthshire regular savers? Is it fairly straightforward? I might need to free up some funds in January to fill other accounts, and timing-wise Monmouthshire looks like my best option (not the members RS obviously as this is NLA)

2) Any accounts which allow unused allowance to roll over to the next month? Skipton, First Direct and HSBC come to mind, anyone know of any others?

on the second question, with Skipton and HSBC multiple times, just added up to the maximum balance the accounts could have been and made a lump payment. For first Direct, also yes but avoided since as its tricky as you have to chat with FD to get the SO changed and remember to chat again to get the amount changed back.

nomorekids

My goodness, never being away from this wonderful thread again, even for a day, ploughing through this morning of 27 pages means I too have sadly missed out on Dudley but will open the suffolks over christmas. 

Merry christmas everyone and thank you 

rob37uk

Andystriker said:

Merry Christmas to all on this thread.  Thanks to Bridlington and everyone else who keeps us up to date.

Dudley Festive Regular Saver

I sent, by 1st class post, my application with my opening chq.  I posted it on Monday this week, 22nd December.  I was not expecting to hear back until after New Year.

To my amazement, I have just had todays post 24th December, and in it is the acceptance letter from Dudley with a shiney new passbook.

There is a Freepost address for Dudley that worked fine in the last few days to open a Festive saver 

Freepost DD203 

Dudley
West Midlands   
DY1 1BR

happybagger

Separately, for anyone with the Dudley BS Loyalty Regular Saver (still available), the rate will fall to 5.75% on 14 January. (source: letter)

alfred64

happybagger said:

Separately, for anyone with the Dudley BS Loyalty Regular Saver (still available), the rate will fall to 5.75% on 14 January. (source: letter)

Have they indicated whether the Regular Saver (5%) will decrease? I did not qualify for the loyalty one. If this one falls below current rate I shall probably stop funding it.