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The Top Regular Savers Discussion Thread
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Leeds BS Home Deposit Saver (Issue 3) has been launched at 4.9% to replace Issue 2.
Thanks @cricidmuslibale for pointing out that YBS's Christmas 2025 RS remaining at 5% was omitted from my update in the archived thread, this has now been added.
Given the lack of clarity on Furness BS's part regarding the date of interest rate cuts I haven't included their regular savers in my list of rate cuts for now.
Apologies for not posting the list of rate cuts announced so far last night, it's been a busy week for me and I fell asleep whilst compiling the list. I don't start work till 3pm tomorrow so shall post a list of all rate cuts announced so far no later than dinner time tomorrow, though I'll most likely do it at some point tonight.
EDIT: Noticed a spelling mistake.20 -
Agree .... very poorly worded from Furness! Also, agree that at least two forumites have brought it to their attention today, yet it still remains with confusing text!happybagger said:
Quite. It was the thread on easy access accounts, not regular savers.Bobblehat said:
Not just one "user" ...... see posts on this page....happybagger said:
Quite possibly, but that user was commenting on a different thread about a different product, not a reg saver, which I had not been reading, and the document said "effective from 7th February" and still does, despite that user having contacted Furness BS.simonsmithsays said:
You'd suspect, the interest rate drop, was the same date as that highlighted by the user below?
https://forums.moneysavingexpert.com/discussion/6534798/the-new-top-easy-access-savings-discussion-area/p176
Furness unfortunately omitted a line that was supposed to say something along the lines of changes to take effect on 21/02/2025. CS apologised that the date of the pdf looks like it suggested the changes take effect of 7th Feb.
The pdf doesn't "look like it suggested the changes take effect on 7 Feb". It states they do. "Effective from 7th February 2025"
So they were alerted to it and it remains there, incorrect.
In future, I'll be sure to read every thread about something else before making comment on what the thread is actually about.
In times of high activity of falling (or rising!) rates, the two "go-to" threads are undoubtedly this one and the "New top easy access savings discussion area" thread. Of course, there are others of interest!
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Mansfield BS to cut their variable rate savings accounts from 7/3/25. No details on which accounts are affected and by how much as of yet.2
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Regarding Leeds Home deposit saver, it seems you can open it online, despite the page saying open by branch or post. I think I skipped it last time due to thinking that it was limited to that, but have applied for the lower interest rate one and ready to fund it immediately (although Chase not letting me transfer until the confirmation of payee is shown as active)Bridlington1 said:Leeds BS Home Deposit Saver (Issue 3) has been launched at 4.9% to replace Issue 2.
Thanks @cricidmuslibale for pointing out that YBS's Christmas 2025 RS remaining at 5% was omitted from my update in the archived thread, this has now been added.
Given the lack of clarity on Furness BS's part regarding the date of interest rate cuts I haven't included their regular savers in my list of rate cuts for now.
Apologies for not posting the list of rate cuts announced so far last night, it's been a busy week for me and I fell asleep whilst compiling the list. I don't start wok till 3pm tomorrow so shall post a list of all rate cuts announced so far no later than dinner time tomorrow, though I'll most likely do it at some point tonight.2 -
Error now corrected. The same error appeared with Issue 2 so this has been corrected. Apologies for the misinformation.AndyTh_2 said:
Regarding Leeds Home deposit saver, it seems you can open it online, despite the page saying open by branch or post. I think I skipped it last time due to thinking that it was limited to that, but have applied for the lower interest rate one and ready to fund it immediately (although Chase not letting me transfer until the confirmation of payee is shown as active)Bridlington1 said:Leeds BS Home Deposit Saver (Issue 3) has been launched at 4.9% to replace Issue 2.
Thanks @cricidmuslibale for pointing out that YBS's Christmas 2025 RS remaining at 5% was omitted from my update in the archived thread, this has now been added.
Given the lack of clarity on Furness BS's part regarding the date of interest rate cuts I haven't included their regular savers in my list of rate cuts for now.
Apologies for not posting the list of rate cuts announced so far last night, it's been a busy week for me and I fell asleep whilst compiling the list. I don't start wok till 3pm tomorrow so shall post a list of all rate cuts announced so far no later than dinner time tomorrow, though I'll most likely do it at some point tonight.
Additionally the first page has been updated to reflect the launch of the Chorley BS Regular Saver (31.01.2026) to replace the previous issue.3 -
Leek BS Interest Rate Reductions From 3/3/25:
Leek BS Regular Saver Account (Issue 3) from 4.85% to 4.6%
NLA:
Regular Savings Account (Issue 1 and 2) from 3.3% to 3.05%
Homebuyers Regular Savings from 3.3% to 3.05%4 -
Regular Saver Interest Rate Reductions Since BOE Base Rate Cut From 4.75% to 4.5% On 6/2/25:
Account Old rate New rate Date Bath BS 16-25 Regular Saver 7.09% 6.89% 03/03/25 Bath BS Homestart Regular Saver 4.54% 4.34% 03/03/25 Bath BS The Regular Saver 4.04% 3.89% 03/03/25 Beverley BS Monthly Saver 4.05% 3.65% 01/03/25 Buckinghamshire BS Regular Saver 3.40% 3.15% 01/03/25 Buckinghamshire BS Regular Saver Locals 3.80% 3.55% 01/03/25 Co-operative Bank Regular Saver 7.00% NO CHANGE 23/04/25 Coventry BS Children's Regular Saver 4.15% 3.90% 03/03/25 Coventry BS Colleague Regular Saver 5.00% 4.75% 03/03/25 Coventry BS First Home Saver 5.10% 4.85% 03/03/25 Coventry BS First Home Saver (2) 4.80% NO CHANGE 03/03/25 Coventry BS Loyalty Mortgage RS 6.00% 5.75% 03/03/25 Coventry BS Loyalty Regular Saver (2) 6.25% 6.00% 03/03/25 Coventry BS Loyalty Seasonal Saver 6.00% 5.75% 03/03/25 Coventry BS Regular Saver 4.55% 4.30% 03/03/25 Coventry BS Regular Saver (5) 5.00% 4.75% 03/03/25 Coventry BS Regular Saver (6) 4.75% 4.50% 03/03/25 Coventry BS Sunny Day Saver 6.25% 6.00% 03/03/25 Coventry BS Young Saver 4.75% 4.50% 03/03/25 Cumberland BS Cumberland Regular Saver 5.00% NO CHANGE 08/04/25 Cumberland BS First Home Saver – Issue 1 4.10% NO CHANGE 08/04/25 Cumberland BS First Home Saver – Issue 2 4.10% NO CHANGE 08/04/25 Darlington BS 12 Month RS 5.10% 5.00% 03/03/25 Darlington BS Green Regular Saver 3.70% 3.45% 03/03/25 Darlington BS High Days & Holidays Saver 3.45% 3.20% 03/03/25 Darlington BS Home Saver 3.45% 3.20% 03/03/25 Darlington BS regular esaver 3.70% 3.45% 03/03/25 Darlington BS regular saver 3.70% 3.45% 03/03/25 Darlington BS Special Occasion Saver 3.70% 3.45% 03/03/25 Dudley BS One Year Regular Saver Issue 8 3.80% 3.55% 20/03/25 Ecology BS Regular Savings Account 3.85% 3.60% 13/03/25 ESBS Regular Monthly Saver 4.05% 3.75% 01/03/25 Furness BS 1 Year Regular Saver Issue 5 4.75% 4.50% 07/02/25 Furness BS Christmas Regular Saver Issue 2 5.25% NO CHANGE 07/02/25 HRBS Regular Saver 30 Day Notice 4.75% 4.50% 28/02/25 HRBS Regular Saver 30 Day Notice Issue 2 4.60% NO CHANGE 28/02/25 Leeds BS Home Deposit Saver Issues 1 & 2 5.05% 4.90% 21/03/25 Leeds BS Regular Saver (Issues 40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 56, 57, 59 & 60) 4.95% 4.80% 21/03/25 Leeds BS Regular Saver Issue 55 & 58 5.10% 4.95% 21/03/25 Leek BS Homebuyers Regular Savings 3.30% 3.05% 03/03/25 Leek BS Regular Saver Account Issue 1 & 2 3.30% 3.05% 03/03/25 Leek BS Regular Saver Account Issue 3 4.85% 4.65% 03/03/25 Loughborough BS Limited Access Monthly Saver 4.75% NO CHANGE 11/03/25 Loughborough BS Regular Monthly Saver Account 2.50% NO CHANGE 11/03/25 Mansfield BS Bonus Regular Savings Issue 8 5.85% (includes 1.85% bonus for 12 months) 5.6% (includes 1.85% bonus for 12 months) 07/03/25 Mansfield BS Kick Start Regular Savings Issue 7 (after 1Y only, before 1Y fixed a4 6.1%) 4.00% 3.75% 07/03/25 Mansfield BS Regular Savings (2nd issue) 4.00% 3.75% 07/03/25 Mansfield BS Regular Savings (3rd- 6th issues, including 150th anniversary issue) 4.00% 3.75% 07/03/25 Mansfield BS Regular Savings 30 (1st issue) 4.25% 4.00% 07/03/25 Mansfield BS Young Regular Saver (1st and 2nd issue) 4.50% 4.25% 07/03/25 Mansfield BS Young Regular Saver (3rd issue) 4.50% 4.25% 07/03/25 Melton BS Adcock Regular Saver 6.50% NO CHANGE 28/03/25 Melton BS Regular Saver 4 5.50% NO CHANGE 28/03/25 Melton BS Regular Saver 5 5.00% NO CHANGE 28/03/25 Melton BS Regular Saver 6 6.00% NO CHANGE 28/03/25 Monmouthshire BS Exclusive Regular Saver Issue 2 5.65% 5.20% 14/03/25 Monmouthshire BS Regular Saver Issue 3 4.15% 3.70% 14/03/25 Monmouthshire BS Regular Saver Issue 4 & 5 4.15% 3.70% 14/03/25 Natwest Digital Regular Saver (headline only) 6.17% NO CHANGE 06/03/25 Newbury Home Saver 3.80% 3.55% 05/03/25 Newcastle BS Newcastle Regular Saver (Issue 1) 5.50% NO CHANGE 07/03/25 Nottingham BS Branch Regular Saver 5.75% 5.50% 18/03/25 Nottingham BS Children's Regular Saver 3.35% NO CHANGE 18/03/25 Nottingham BS Members Reward Reg Saver 2.55% (2.1% without bonus) 2.25% (1.8% without bonus) 18/03/25 Nottingham BS Regular Saver 2.55% (2.15% without bonus) 2.25% (1.85% without bonus) 18/03/25 Nottingham BS Regular Saver 2 2.55% (2.15% without bonus) 2.25% (1.85% without bonus) 18/03/25 Nottingham BS Regular Saver 3 2.55% (2.15% without bonus) 2.25% (1.85% without bonus) 18/03/25 Penrith BS Junior Affinity Regular Saver 4.70% NO CHANGE 17/03/25 Penrith BS Regular Saver 200 4.00% NO CHANGE 17/03/25 Penrith BS Regular Saver 200 Issue 2 5.00% NO CHANGE 17/03/25 Penrith BS Regular Saver 300 6.00% 5.00% 17/03/25 Principality BS 1 Year Triple Access Regular Saver 5.60% 5.40% 13/03/25 Principality BS First Home Steps Issue 5 4.85% 4.65% 13/03/25 Principality BS Learner Earner (Issue 1 & 2) 5.35% 5.15% 13/03/25 Principality BS Learner Earner Issue 3 4.30% 4.10% 13/03/25 Principality BS NHS Thank You Online Saver 3.80% 3.60% 13/03/25 Principality BS NHS Thank You Saver 3.80% 3.60% 13/03/25 Principality BS School Staff Saver 4.05% 3.85% 13/03/25 Principality BS Thank You Online Saver (Issues 1 to 4) 4.05% 3.85% 13/03/25 Principality BS Thank You Saver (Issues 1 to 4) 4.05% 3.85% 13/03/25 Progressive BS Clockwork Regular Saver (Issue 1) 3.50% 3.25% 05/03/25 Progressive BS Clockwork Regular Saver (Issue 2) 3.50% 3.25% 05/03/25 Progressive BS First Home Saver 3.50% 3.25% 05/03/25 Progressive BS Online Regular Rainy Day Saver 6.75% 6.50% 05/03/25 Progressive BS Online Regular Rainy Day Saver Issue 2 4.75% 4.50% 05/03/25 Progressive BS Online Regular Rainy Day Saver Issue 3 6.00% 5.75% 05/03/25 RBS Digital Regular Saver (headline only) 6.17% NO CHANGE 06/03/25 Saffron BS 12 Month Members Regular Saver 4.75% 4.50% 14/03/25 Saffron BS Small Saver 5.00% 4.70% 14/03/25 Saffron BS Ware Regular Saver 4.75% NO CHANGE 14/03/25 Skipton Home Deposit Saver Issue 1 4.81% 4.56% 10/03/25 Skipton Home Deposit Saver Issue 2 4.81% 4.56% 10/03/25 Stafford Railway BS Regular Saver 4.90% 4.75% 01/03/25 Suffolk BS 1 Year Variable Rate Regular Saver (31.12.2025) (includes online) 5.00% NO CHANGE 11/03/25 Suffolk BS 2 Year Variable Rate Regular Saver (31.12.2025) 4.80% NO CHANGE 11/03/25 Suffolk BS 2 Year Variable Rate Regular Saver (31.12.2026) 4.80% NO CHANGE 11/03/25 Suffolk BS Holiday Saver 4.70% NO CHANGE 11/03/25 Suffolk BS Online 1 Year Variable Rate Regular Saver (30.09.2025) 5.00% NO CHANGE 11/03/25 Suffolk BS Smart Save Monthly Saver 4.70% NO CHANGE 11/03/25 Suffolk BS Variable Rate Regular Saver (31.05.2026) 4.80% NO CHANGE 11/03/25 Vernon Online Regular Saver 6.50% 6.25% 03/03/25 West Brom Access Regular Saver 3.10% 2.85% 14/03/25 YBS £50 Regular Saver/eSaver 8.00% NO CHANGE 11/03/25 YBS Christmas 2025 Regular Saver/eSaver 5.00% NO CHANGE 11/03/25 YBS First Home Saver/eSaver 4.70% NO CHANGE 11/03/25 YBS Loyalty 2023 Regular Saver/eSaver 7.00% NO CHANGE 11/03/25 YBS Loyalty Regular Saver/eSaver 5.45% 5.25% 11/03/25 YBS Regular Saver/eSaver 4.85% 4.65% 11/03/25
The following banks/building societies did not declare what they shall be doing to their accounts following the base rate cut:Aldermore Chorley BS Gatehouse Hanley Economic BS Market Harborough BS Nationwide
Following the Bank Of England's decision to hold the base rate at 4.5% on 20/3/25, this post is no longer being maintained.
A link to this post shall be included on the first page of The Archived History Of Regular Savers Thread *** NO CHAT*** thread for future reference.
30 -
Co-op Bank can go on this list too as no change (source).Bridlington1 said:Regular Saver Interest Rate Reductions Since BOE Base Rate Cut From 4.75% to 4.5% On 6/2/25:Account Old rate New rate Date Leek BS Homebuyers Regular Savings 3.30% 3.05% 03/03/25 Leek BS Regular Saver Account Issue 1 & 2 3.30% 3.05% 03/03/25 Leek BS Regular Saver Account Issue 3 4.85% 4.6% 03/03/25 Natwest Digital Regular Saver (headline only) 6.17% NO CHANGE 06/03/25 Principality BS 1 Year Triple Access Regular Saver 5.60% 5.40% 13/03/25 Principality BS First Home Steps Issue 5 4.85% 4.65% 13/03/25 RBS Digital Regular Saver (headline only) 6.17% NO CHANGE 06/03/25 Vernon Online Regular Saver 6.50% 6.25% 03/03/25 YBS £50 Regular Saver/eSaver 8.00% NO CHANGE 11/03/25 YBS Christmas 2025 Regular Saver/eSaver 5.00% NO CHANGE 11/03/25 YBS First Home Saver/eSaver 4.70% NO CHANGE 11/03/25 YBS Loyalty 2023 Regular Saver/eSaver 7.00% NO CHANGE 11/03/25 YBS Loyalty Regular Saver/eSaver 5.45% 5.25% 11/03/25 YBS Regular Saver/eSaver 4.85% 4.65% 11/03/25
This list shall be maintained and updated until the next BOE Base Rate decision is made (expected 20/3/25).
A link to this post shall be included on the first page of The Archived History Of Regular Savers Thread *** NO CHAT*** thread for future reference.5 -
Then, they've more likely closed the easy renew / close loophole after several have gone for renew....Speculator said:
renewed both lloyds club monthly and normal monthly and halifax multiple times within a year with no problems. However, always get error message with BOS. Tried on Halifax website and BOS website but no luck.Dizzycap said:Stargunner said:
I think that the renew only works if your RS has matured.10_66 said:BoS
Has anyone managed to get BoS renew to work, lately? I know there was discussion a while ago when others were finding it wouldn't renew with BoS message saying "something's gone wrong", and that's what I'm now getting, though it's worked in the past. Just wondered if anyone found a way round. I've got Halifax and both Lloyds to renew.
I wanted to refresh a Lloyds RS this week that still had 6 months to run. I couldn’t renew it, so I had to empty it, close it via chat and then I opened a new one the following day once the old RS had disappeared from my online banking.You can renew anytime, although I believe if you've already used a 'renew' for a RS for LLoyds, Halifax or BoS it won't allow you to renew again. I renewed my Lloyds but I can't renew Halifax or BoS because they all part of the same umbrella group. I now have to transfer all proceeds out, close via chat, and then wait for a fresh application window which can be anything from 10 minutes to 24 hours.My First Direct RS matured on the 4th of Feb but I was able to apply for a new 7% fixed RS 2 days before maturity but it still took 3 days to open due to high demand - there was a warning when I applied that it would take 3-5 days before the new RS would be opened.
Never needed to use chat to renew/reopen a regular saver~ NSD 2025 - NSD July 19/20 (6 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - Ongoing~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £1634.34 / £2025 (58%) (3) 💯💯+# No.12 Save £2 a Day 2025 2025: £730/ £730 💯# No.27 Save 1p A Day 2025 £667.95 / £667.95 💯# No.19 52 Week Env Challenge £1378 / £1378 💯# No.34 Save £12k in 2025 £13,429.74 / £12,000 💯 - Continuing0 -
Now corrected.WillPS said:
Co-op Bank can go on this list too as no change (source).Bridlington1 said:Regular Saver Interest Rate Reductions Since BOE Base Rate Cut From 4.75% to 4.5% On 6/2/25:Account Old rate New rate Date Leek BS Homebuyers Regular Savings 3.30% 3.05% 03/03/25 Leek BS Regular Saver Account Issue 1 & 2 3.30% 3.05% 03/03/25 Leek BS Regular Saver Account Issue 3 4.85% 4.6% 03/03/25 Natwest Digital Regular Saver (headline only) 6.17% NO CHANGE 06/03/25 Principality BS 1 Year Triple Access Regular Saver 5.60% 5.40% 13/03/25 Principality BS First Home Steps Issue 5 4.85% 4.65% 13/03/25 RBS Digital Regular Saver (headline only) 6.17% NO CHANGE 06/03/25 Vernon Online Regular Saver 6.50% 6.25% 03/03/25 YBS £50 Regular Saver/eSaver 8.00% NO CHANGE 11/03/25 YBS Christmas 2025 Regular Saver/eSaver 5.00% NO CHANGE 11/03/25 YBS First Home Saver/eSaver 4.70% NO CHANGE 11/03/25 YBS Loyalty 2023 Regular Saver/eSaver 7.00% NO CHANGE 11/03/25 YBS Loyalty Regular Saver/eSaver 5.45% 5.25% 11/03/25 YBS Regular Saver/eSaver 4.85% 4.65% 11/03/25
This list shall be maintained and updated until the next BOE Base Rate decision is made (expected 20/3/25).
A link to this post shall be included on the first page of The Archived History Of Regular Savers Thread *** NO CHAT*** thread for future reference.1
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