The Top Regular Savers Discussion Thread

s71hj

I have now had a letter confirming Dudley branch RS open, account number etc. If I make a payment before the end of today will it count as my December payment and work to my advantage or am I best to just start tomorrow? 

Bridlington1

s71hj said:

I have now had a letter confirming Dudley branch RS open, account number etc. If I make a payment before the end of today will it count as my December payment and work to my advantage or am I best to just start tomorrow? 

According to my records the cut off time for payments to be received in order to be treated as having been received the same day is 6pm so you might be able to sneak a December payment in if you're quick.

Bob2000

allegro120 said:

Bob2000 said:

So, with it being a public holiday on the 1st, is there any point in me doing any transfers  into my RS accounts tomorrow?
I mostly do manually transfer.

This is my RS distribution for the next two days.
1st Jan - BoS, Darlington, Dudley, Halifax, Lloyds, Manchester, Melton, Nationwide, Newcastle, Principality, Scottish, TSB, YBS.
2nd Jan - Chorley, Co-op, Furness, Hanley, Loughborough, Mansfield, Market Harborough, Monmouthshire, Progressive, Saffron, Skipton, Virgin.

Ok, thanks for that. It seems like all my bank/BSs are in your list except penrith and RBS. I think penrith would be better served on the 2nd, and l assume RBS would go through  straight away being an internal  transfer  from the current account?

Happy New year to everyone  reading this post.

s71hj

Bridlington1 said:

s71hj said:

I have now had a letter confirming Dudley branch RS open, account number etc. If I make a payment before the end of today will it count as my December payment and work to my advantage or am I best to just start tomorrow? 

According to my records the cut off time for payments to be received in order to be treated as having been received the same day is 6pm so you might be able to sneak a December payment in if you're quick.

Completed mine and my wife's at 17.58, so Many thanks! I'll log in later and see if it shows as credited 

wmb194

flaneurs_lobster said:

wmb194 said:

clairec666 said:

Another niche bank holiday point - as 2nd January is also a bank holiday in Scotland, I'm assuming it's best to avoid transferring to Scottish-based banks and building societies until Monday?

Not actually going to affect me at all, I was just curious. It'll be a 4-day weekend north of the border.

Whilst their branches will be closed in my experience with financial institutions and stockbrokers based in Scotland their online/behind the scenes processing follows the Bank Holidays in England and Wales.

E.g., Scottish BS: "Any online transfer requests after 2pm on Wednesday 24 December will be processed on Monday 29 December, and transfer requests after 2pm on 31 December will be processed on Friday 2 January."

https://www.scottishbs.co.uk/our-locations/

No longer have contacts with Scottish stockbrokers but TBH there's not much that could be called a Scottish Bank or Building Society left - those that are registered in Scotland are probably just Scottish BS, TSB and....er....

Those two process payments as having been received on their actual date so no problems.

BoS and RBS are both registered with Head Offices in Edinburgh but are, of course, parts of larger English-based Groups.

Technically Lloyds Banking Group plc is registered as a Scottish company and it has a Scottish company number. It was part of HBOS' merger stipulations that its registered office and shareholder meetings needed to be in Edinburgh. The Lloyds Bank plc subsidiary appears to be registered as an English company whilst the Bank of Scotland plc subsidiary is registered as a Scottish company. Halifax is a division of BoS.

wmb194

allegro120 said:

wmb194 said:

clairec666 said:

Another niche bank holiday point - as 2nd January is also a bank holiday in Scotland, I'm assuming it's best to avoid transferring to Scottish-based banks and building societies until Monday?

Not actually going to affect me at all, I was just curious. It'll be a 4-day weekend north of the border.

Whilst their branches will be closed in my experience with financial institutions and stockbrokers based in Scotland their online/behind the scenes processing follows the Bank Holidays in England and Wales.

E.g., Scottish BS: "Any online transfer requests after 2pm on Wednesday 24 December will be processed on Monday 29 December, and transfer requests after 2pm on 31 December will be processed on Friday 2 January."

https://www.scottishbs.co.uk/our-locations/

Scottish BS
Does this relate to withdrawals only or both, withdrawals and deposits?

I don't know specifically but if withdrawals are being processed I'm guessing that deposits should be as well. I'm going to make my Scottish BS RS deposit in 02/01, I think it'll be fine.

allegro120

Bob2000 said:

allegro120 said:

Bob2000 said:

So, with it being a public holiday on the 1st, is there any point in me doing any transfers  into my RS accounts tomorrow?
I mostly do manually transfer.

This is my RS distribution for the next two days.
1st Jan - BoS, Darlington, Dudley, Halifax, Lloyds, Manchester, Melton, Nationwide, Newcastle, Principality, Scottish, TSB, YBS.
2nd Jan - Chorley, Co-op, Furness, Hanley, Loughborough, Mansfield, Market Harborough, Monmouthshire, Progressive, Saffron, Skipton, Virgin.

Ok, thanks for that. It seems like all my bank/BSs are in your list except penrith and RBS. I think penrith would be better served on the 2nd, and l assume RBS would go through  straight away being an internal  transfer  from the current account?

Happy New year to everyone  reading this post.

RBS is not on my list because I'm already up to £5k, so just collecting interest.  But I used to feed it by internal transfer and always avoided weekends.  They don't credit deposits at weekends, leave RBS for the 2nd Jan.

allegro120

wmb194 said:

allegro120 said:

wmb194 said:

clairec666 said:

Another niche bank holiday point - as 2nd January is also a bank holiday in Scotland, I'm assuming it's best to avoid transferring to Scottish-based banks and building societies until Monday?

Not actually going to affect me at all, I was just curious. It'll be a 4-day weekend north of the border.

Whilst their branches will be closed in my experience with financial institutions and stockbrokers based in Scotland their online/behind the scenes processing follows the Bank Holidays in England and Wales.

E.g., Scottish BS: "Any online transfer requests after 2pm on Wednesday 24 December will be processed on Monday 29 December, and transfer requests after 2pm on 31 December will be processed on Friday 2 January."

https://www.scottishbs.co.uk/our-locations/

Scottish BS
Does this relate to withdrawals only or both, withdrawals and deposits?

I don't know specifically but if withdrawals are being processed I'm guessing that deposits should be as well. I'm going to make my Scottish BS RS deposit in 02/01, I think it'll be fine.

It's not always the same with BSs, some of them have different systems for receiving deposits and processing withdrawals.  I'll do my deposit tomorrow to see how soon it will be visible and the date it is credited.  I may loose one day's interest on £250, but it will be good to see and record how it works with Scottish BS.

Bridlington1

A summary of changes to the listings on the first page of The Top Regular Savers Discussion Thread between 1st December 2025 and 31st December 2025:

A link to this post is included on the first page of The Archived History Of Regular Savers Thread *** NO CHAT*** thread.

I have now cleared out the recently NLA regular savers list on the first page of The Top Regular Savers Discussion Thread.

The following accounts have been added between 1/12/25 and 31/12/25 (see first page of The Top Regular Savers Discussion Thread for details):

Leeds BS Regular Saver (Issue 73) at 4.45% ~~~ Launched 31/12/25
Suffolk 1 Year Fixed Rate Regular Saver (28.02.2027) at 5% ~~~ Launched 22/12/25
Suffolk BS Online 1 Year Fixed Rate Regular Saver (28.02.2027) at 5% ~~~ Launched 22/12/25
Dudley BS Festive Regular Saver at 5.5% ~~~ Launched 19/12/25

Newcastle BS First Home Regular Saver (Issue 1) at 4.8% ~~~ Launched 2/12/25
Chorley BS Regular Saver (30.11.2026) at 5.15%~~~ Launched 1/12/25
Chorley BS Regional 2 Year Flexible Saver (30.11.2027) at 5.15% ~~~ Launched 1/12/25
Nottingham BS Branch Regular Saver Issue 6 at 4.25%~~~ Launched 1/12/25
Nottingham BS Online Regular Saver Issue 3 at 4.25%~~~ Launched 1/12/25

The following accounts have been removed between 1/12/25 and 31/12/25:

~~~~~~NLA 1/11/25 ~~~~~~Nottingham BS Branch Regular Saver Issue 5 ~~~ Launched 1/10/25
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 30/11/26
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.

~~~~~~NLA 1/11/25 ~~~~~~Nottingham BS Online Regular Saver Issue 2 ~~~ Launched 1/10/25
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 18 years old or older
How to open account: Online only
Length of account term: Matures on 30/11/26
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 or online.

~~~~~~NLA 1/11/25 ~~~~~~Leeds BS Regular Saver (Issue 70) ~~~ Launched 31/10/25
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 1/11/2027
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.

~~~~~~NLA 17/12/25 ~~~~~~Progressive BS Online Regular Rainy Day Saver Account (Issue 4) ~~~ Launched 6/10/25
Interest rate: 7% gross p.a. variable from 6/10/25
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: This account can not be closed early, however you can make early withdrawals without penalty. Only one Online Regular Rainy Day-Saver Account (any issue) can be held per person.

~~~~~~NLA 19/12/25 ~~~~~~West Brom BS Fixed Rate Regular Saver (Issue 7) ~~~~~ Relaunched 25/6/25
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

~~~~~~NLA 22/12/25 ~~~~~~Suffolk 1 Year Fixed Rate Regular Saver (31.01.2027) ~~~ Launched 3/11/25
Interest rate: 5% 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 31/1/2027
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

~~~~~~NLA 22/12/25 ~~~~~~Suffolk BS Online 1 Year Fixed Rate Regular Saver (31.01.2027) ~~~ Launched 3/11/25
Interest rate: 5% 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 31/1/2027
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

The following accounts have been and gone between 1/12/25 and 31/12/25:

~~~~~~NLA 19/12/25 ~~~~~~Leeds BS Regular Saver (Issue 71) ~~~ Launched 1/12/25
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 1/12/2027
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.

~~~~~~NLA 21/12/25 ~~~~~~Dudley BS Festive Regular Saver Online ~~~ Launched 19/12/25
Interest rate: 5.5% AER variable 
Monthly payment: £0-£250 per calendar month
Miss any payments: Yes, as many as you wish
Penalty-free withdrawals: Unlimited
Age of applicant: Aged 16 or over
How to open account: Online
Length of account term: 12 months from opening
Maximum balance: £3,250
Deposits on non-working days: Treated as having been received the same day.
Special conditions: n/a

~~~~~~NLA 31/12/25 ~~~~~~Leeds BS Regular Saver (Issue 72) ~~~ Launched 19/12/25
Interest rate: 4.45% 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 1/12/2027
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.

Changes to thresholds:

Previously I was only including accounts where the interest rate is 4.4% or better, or 4.2% 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).

After reviewing the wider savings landscape over the last couple of months I have chosen to reduce the thresholds for regular savers to be included on the main Regular Savers List.

I am now including accounts where the interest rate is 4.15% or better, or 3.95% 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).

I have now added the following regular savers as they have interest rates that now meet these new thresholds:

Yorkshire Building Society Regular eSaver/saver ~~~ Re-added 31/12/25
Interest rate: 4.25% AER variable from 2/10/25
Monthly payment: £0-£250 per calendar month
Miss any payments: Miss as many payments as you wish
Penalty-free withdrawals: Yes, 2 withdrawal days during the account term.
Age of applicant: Aged 16 or over
How to open account: Online if opening the eSaver, branch/post if opening the other version.
Length of account term: 12 months from opening
Maximum balance: £3,000
Deposits on non-working days: Treated as having been received the same day.
Special conditions: N/A

Saffron BS Children's Regular Saver Issue 2 ~~~ Re-added 31/12/25
Interest rate: 4.2% AER variable from  17/9/25
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 18
How to open account: Branch and post only
Length of account term: 1 year from account opening
Maximum balance: £1,200
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: N/A

Coventry BS Regular Saver (6) ~~~ Re-added 31/12/25
Interest rate: 4.15% gross p.a. variable from 1/9/25
Monthly payment: £0-£500 per account month
Miss any payments: Yes as many as you like
Penalty-free withdrawals: No, withdrawals/closure subject to a penalty of 30 days interest on the funds withdrawn. 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 over
How to open account: Online, branch, post, telephone
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: N/A

Saffron BS Small Saver ~~~ Re-added 31/12/25
Interest rate: 4.15% AER variable from 17/9/25
Monthly payment: £1-£50 per calendar month
Miss any payments: No stated penalty for missing any payments
Penalty-free withdrawals: Yes, one per month
Age of applicant: At least 16 years old
How to open account: Branch, online or post
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 can only hold one Regular Saver or Small Saver per customer, be it held in sole or joint name(s), with Saffron Building Society at a time.

Hinckley and Rugby BS Regular Saver 30 Day Notice Account (Issue 2) ~~~ Re-added 31/12/25
Interest rate: 4.1% AER variable from 29/8/25 (reduces to 4% from 16/1/26)
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.

Saffron BS Braintree Regular Saver ~~~ Added 31/12/25
Interest rate: 4% AER variable from 25/11/25
Monthly payment: £1-£250 per calendar month
Miss any payments: No stated penalty for missing any payments
Penalty-free withdrawals: Unlimited
Age of applicant: At least 16 years old
How to open account: Braintree branch only
Length of account term: 36 months from the date of opening
Maximum balance: £9,000
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: You can only hold one Regular Saver or Small Saver per customer, be it held in sole or joint name(s), with Saffron Building Society at a time.

Principality BS 3 Year Children's Regular Saver ~~~ Added 31/12/25
Interest rate: 4% AER Fixed
Monthly payment: £1-£150 per calendar month
Miss any payments: Miss as many as you wish
Penalty-free withdrawals: Early closure only
Age of applicant: Under 16
How to open account: Branch/post
Length of account term: 3 years from the date of opening
Maximum balance: £5,400
Deposits on non-working days: Treated as having been received the same day.
Special conditions: The account must be opened for a child under 14 as a trust account. For a child aged 14 to 15 the account can be opened as a trust account or managed by themselves.

Cumberland BS First Home Saver Account (Issue 2) ~~~ Added 31/12/25
Interest rate: 4% gross p.a. variable from 7/10/25
Monthly payment: £100-£1,500 per calendar month
Miss any payments: If you miss 2 or more consecutive payments, the account will be closed and the account balance transferred to an alternative instant access or savings account
Penalty-free withdrawals: Yes, subject to 90 days notice being given, withdrawals on demand are subject to 90 days loss of interest on the amount withdrawn
Age of applicant: Aged 16 years or older
How to open account: Branch
Length of account term: 12 months from account opening
Maximum balance: £25,000 plus interest
Deposits on non-working days: Treated as having been received the same day.
Special conditions: This account is only available to open for first time buyers, over the age of 16, who are Cumberland current account customers.

Saffron BS 12 Month Members' Regular Saver (Issue 2) ~~~ Re-added 31/12/25
Interest rate: 3.95% AER variable from 17/9/25
Monthly payment: £50-£500 per calendar month
Miss any payments: No stated penalty for missing any payments
Penalty-free withdrawals: Unlimited
Age of applicant: At least 16 years old
How to open account: Branch, online or post
Length of account term: 12 months from the date of opening
Maximum balance: £6000
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: You must have held a savings or mortgage account with Saffron for 12 months. Alternatively you must have been a signatory, Power of Attorney or Court of Protection with Saffron for at least 12 months. You can only hold one Regular Saver or Small Saver per customer, be it held in sole or joint name(s), with Saffron Building Society at a time.

Bridlington1

In addition to the above I'm afraid sleep is starting to get the better of me on this occasion so I shall have to leave updating the regular saver timeline for the time being, I'll update it at some point tomorrow morning. Apologies for any inconvenience this may cause.