The Top Regular Savers Discussion Thread

Bridlington1

Bath BS Interest Rate Reductions From 3/3/25:

16-25 Regular Saver from 7.09% to 6.89%

Homestart Regular Saver from 4.54% to 4.34%

The Regular Saver from 4.04% to 3.84%

Section62

LBG renewals

Dizzycap said:

Speculator said:

Dizzycap said:

Stargunner said:

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 think that the renew only works if your RS has matured.
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.

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.

Never needed to use chat to renew/reopen a regular saver

Then, they've more likely closed the easy renew / close loophole after several have gone for renew....

Really not sure about this. I now have a collection of "Your [account] will change to an account with a lower rate..." letters for accounts that were renewed to easy access accounts months ago.

Feels more like a system error rather than something they would do deliberately.

Bridlington1

I've just spoken to Mansfield BS, they've said they expect anything with a variable rate to drop by 0.5%, though this shall be confirmed by the end of next week.

This would take the Bonus RS issue 8 from 5.85% to 5.35%.

WillPS

Bridlington1 said:

I've just spoken to Mansfield BS, they've said they expect anything with a variable rate to drop by 0.5%, though this shall be confirmed by the end of next week.

This would take the Bonus RS issue 8 from 5.85% to 5.35%.

Taking themselves firmly out of contention then, it would seem.

When is it that The Nottingham do their regular saver ISA? Presumably that one should be coming up soon.

Bridlington1

Darlington BS to cut the rate of their 12 Month RS from 5.1% to 5% from 3/3/25

flaneurs_lobster

NatWest (and presumably RBS) cutting rate on their Digital Regular Saver (but only the bit over £5k)

dealyboy

flaneurs_lobster said:

NatWest (and presumably RBS) cutting rate on their Digital Regular Saver (but only the bit over £5k)

... you had me worried for a second @flaneurs_lobster

moi

Bridlington1 said:

I can see no reference to any of their Home Deposit Savers (issues 1 & 2) on their list of rate cuts or their lists of current interest rates so shall omit them from my list of rate cuts for now till I get further info on their fates

In November it was the same - Skipton didn't list the Home Deposit Savers in their published long list. A few days later they emailed, announcing the cut to 4.81%🤔 (Issue 1 was then 5.06%)

happybagger

HRBS rate changes announced for 28 February
Reg Saver 30 day notice (Issue 2, open account) remains at 4.60%
Issue 1 (NLA) 4.5%

Anyone with the matured Issue 1 now sitting in the "follow on" account will go to 3.75% (as it's a tracker at Base Rate -0.75%)

source

happybagger

Bucks BS
Not "top RS" accounts but for those with them, effective 1 March 2025:

Regular Saver (open) 3.15%
Reg Saver Locals (NLA) 3.40%

source: email