The Top Regular Savers Discussion Thread

Bridlington1

where_are_we said:

Bigwheels1111 said:

Roll on 00.01 am, Am I the only one waiting to open the Principality 6 month regular saver issue 3.

To join my Two issue 2 regs.

Max out the interest by getting £400 in in two days.

I thought you could only have one Principality 6 month RS per issue. I have one issue 2 and one issue 3. Can I open a second  issue 2?

You can only open one of each issue but Principality BS allow you to give instructions for maturing accounts to be converted into duplicate regular savers upon maturity.

I opened a Christmas 2025 RS last year for example, then a month later a Maturity Winter RS and a 6 Month RS matured and both were converted into Christmas 2025 RSs upon maturity.

Mforums

Principality 6 month RS

I have one of the Iss 2. I tried to open another Iss 2 by changing 6083 instead of 6084 as suggested by folks earlier here in this tread this morning. I got an onscreen messages after filling in all the details that "you have reached maximum number of this account... etc" suggesting me to look for other accounts. So I applied and got an Iss 3. So I have an Issue 2 and an Issue 3 now.

pecunianonolet

Bridlington1 said:

where_are_we said:

Bigwheels1111 said:

Roll on 00.01 am, Am I the only one waiting to open the Principality 6 month regular saver issue 3.

To join my Two issue 2 regs.

Max out the interest by getting £400 in in two days.

I thought you could only have one Principality 6 month RS per issue. I have one issue 2 and one issue 3. Can I open a second  issue 2?

You can only open one of each issue but Principality BS allow you to give instructions for maturing accounts to be converted into duplicate regular savers upon maturity.

I opened a Christmas 2025 RS last year for example, then a month later a Maturity Winter RS and a 6 Month RS matured and both were converted into Christmas 2025 RSs upon maturity.

I have issue one maturing end of April and if they allow me to open another issue, potentially a second issue 3 saver, as maturity option would they transfer the full sum of the maturing account over or will it be just opened and the max monthly contribution taken and the remaining funds are available to withdraw? 

Bigwheels1111

pecunianonolet said:

Bridlington1 said:

where_are_we said:

Bigwheels1111 said:

Roll on 00.01 am, Am I the only one waiting to open the Principality 6 month regular saver issue 3.

To join my Two issue 2 regs.

Max out the interest by getting £400 in in two days.

I thought you could only have one Principality 6 month RS per issue. I have one issue 2 and one issue 3. Can I open a second  issue 2?

You can only open one of each issue but Principality BS allow you to give instructions for maturing accounts to be converted into duplicate regular savers upon maturity.

I opened a Christmas 2025 RS last year for example, then a month later a Maturity Winter RS and a 6 Month RS matured and both were converted into Christmas 2025 RSs upon maturity.

I have issue one maturing end of April and if they allow me to open another issue, potentially a second issue 3 saver, as maturity option would they transfer the full sum of the maturing account over or will it be just opened and the max monthly contribution taken and the remaining funds are available to withdraw? 

They pay you £1000 + interest and fund issue 3 with £200.

Bridlington1

A summary of changes to the listings on the first page of The Top Regular Savers Discussion Thread between 1st March 2025 and 31st March 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 1/3/25 and 31/3/25 (see first page of The Top Regular Savers Discussion Thread for details):

Principality BS 6 Month Regular Saver (Issue 3) at 7.5% ~~~ Launched 13/3/25
Melton BS Adcock Regular Saver at 6.5% ~~~ Launched 12/3/25
Chorley BS Regular Saver (28.02.2026) at 5.15% ~~~ Launched 3/3/25
Suffolk 1 Year Fixed Rate Regular Saver (30.06.2026) at 5% ~~~ Launched 17/3/25
Suffolk BS Online 1 Year Fixed Rate Regular Saver (30.06.2026) at 5%~~~ Launched 17/3/25
Principality BS 1 Year Regular Saver Bond (Issue 36) at 4.85%~~~ Launched 13/3/25
Chorley BS Regional 2 Year Flexible Saver (28.02.2027) at 5.15% ~~~ Launched 3/3/25

The following accounts have been removed between 1/3/25 and 31/3/25:

~~~~~~NLA 3/3/25 ~~~~~~Chorley BS Regular Saver (31.01.2026)  ~~~ Launched 7/2/25

Interest rate: 5.15% gross p.a. variable
Monthly payment: £25-£400 per calendar month
Miss any payments: Yes, miss as many as you like
Penalty-free withdrawals: None, but the account can be closed early without penalty
Age of applicant: Age 18 years old or older
How to open account: Branch, post or online
Length of account term: Matures on 31/1/26
Maximum balance: N/A
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: Initial deposit must be received by 28/2/25. Only one Regular Saver and one Seasonal Saver can be held in any 12 month rolling period.

~~~~~~NLA 3/3/25 ~~~~~~Chorley BS Regional 2 Year Flexible Saver (31.01.2027) ~~~ Launched 4/2/25
Interest rate: 5.15% gross p.a. variable
Monthly payment: £25-£300 per calendar month
Miss any payments: Yes, miss as many as you like
Penalty-free withdrawals: 2 withdrawals per year excluding early closure. If more than 2 withdrawals are made within a 12 month period the account shall be closed.
Age of applicant: Age 18 years old or older
How to open account: Branch, post or online
Length of account term: Matures on 31/1/27
Maximum balance: N/A
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: Initial deposit must be received by the 28.02.2025. Only one Regular Saver and one Seasonal Saver can be held in any 12 month rolling period. Must live in one of the following postcode areas (CA, FY, PR, LA, WN, BL, L, WA, BB, CH, M, SK, CW, OL).

~~~~~~NLA 11/3/25 ~~~~~~Yorkshire Building Society Christmas 2025 eSaver/saver  ~~~ Launched 15/1/25
Interest rate: 5% gross p.a. variable
Monthly payment: £0-£150 per calendar month
Miss any payments: Miss as many payments as you wish
Penalty-free withdrawals: Yes, 1 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: Matures 31/10/25
Maximum balance: £1,500
Deposits on non-working days: Treated as having been received the same day.
Special conditions: N/A

~~~~~~NLA 13/3/25 ~~~~~~Principality BS 6 Month Regular Saver (Issue 2)
Interest rate: 7.85% gross p.a. / 8% gross AER fixed
Monthly payment: £0-£200 per calendar month
Miss any payments: Yes, you can miss as many as you wish
Penalty-free withdrawals: No withdrawals allowed but early closure is permitted without penalty
Age of applicant: Aged 16 or over
How to open account: Branch or online
Length of account term: 6 months from the date of opening
Maximum balance: £1,200
Deposits on non-working days: Treated as having been received the same day.
Special conditions: N/A

~~~~~~NLA 13/3/25 ~~~~~~Principality BS 1 Year Regular Saver Bond (Issue 35)
Interest rate: 5.15% gross p.a. fixed
Monthly payment: £0-£250 per calendar month
Miss any payments: Yes, as many as you wish
Penalty-free withdrawals: Penalty-free account closure allowed but otherwise no withdrawals until account maturity
Age of applicant: Age 16 or over

How to open account: Branch or online
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 13/3/25 ~~~~~~Furness BS Christmas Regular Saver Issue 2 ~~~ Launched 14/1/25
Interest rate: 5.25% gross p.a. variable
Monthly payment: £1-£500 per calendar month
Miss any payments: No. If a monthly payment is missed they will give you 14 days written notice and transfer your balance to an access account and the relevant interest rate will apply from this date. 
Penalty-free withdrawals: Yes, 1 withdrawal during the account term, additional withdrawals will result in the account being converted into an access account.
Age of applicant: Aged 16 or over
How to open account: Online, branch and post
Length of account term: 12 months from opening
Maximum balance: N/A
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: Payments in from a non-Furness BS account are credited the working day after being sent.

~~~~~~NLA 17/3/25 ~~~~~~Suffolk BS Online 1 Year Variable Rate Regular Saver (31.03.2026)
Interest rate: 5% gross p.a. variable
Monthly payment: £10-£500 per calendar month
Miss any payments: No stated penalty for missing any payments
Penalty-free withdrawals: None
Age of applicant: At least 18 years old
How to open account: Online
Length of account term: Matures 31/3/2026
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 17/3/25 ~~~~~~Suffolk 1 Year Variable Rate Regular Saver (31.03.2026)
Interest rate: 5% gross p.a. variable
Monthly payment: £10-£500 per calendar month
Miss any payments: No stated penalty for missing any payments
Penalty-free withdrawals: None
Age of applicant: At least 16 years old
How to open account: Branch/post
Length of account term: Matures 31/3/2026
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

saverkev

devansuk said:

So you can withdraw the full 5k from natwest digital regular saver and put it back in as long as its the same month? Can anyone confirm

NatWest/RSB

I have never withdrawn the full amount but have withdrawn and replaced anumber of times - this month I withdrew over £1000 and have since replaced it all to take me back to £5000

See previous post where I included details off the account.

https://forums.moneysavingexpert.com/post/quote/6576962/Comment_81244639

FishInGlass

My Club Lloyds Monthly Saver was due to end on the 7th April. I had a letter saying I could log in my account and see the options available to me. I had a choice of the Standard Saver at 1.15% or a Club Lloyds Saver at 1.40%. I had no intention of leaving any money in there long term but I chose the latter anyway. I was quite surprised on logging on today to see interest on the account dated the 26th March and that it was no longer a Regular Saver. Having got over the minor annoyance of 5 days low interest on the £400 I had left there I was then pleased to be able to open a new Regular Saver today and also set up a standing order starting tomorrow. I'll try and remember this for next year!!

flaneurs_lobster

FishInGlass said:

My Club Lloyds Monthly Saver was due to end on the 7th April. I had a letter saying I could log in my account and see the options available to me. I had a choice of the Standard Saver at 1.15% or a Club Lloyds Saver at 1.40%. I had no intention of leaving any money in there long term but I chose the latter anyway. I was quite surprised on logging on today to see interest on the account dated the 26th March and that it was no longer a Regular Saver. Having got over the minor annoyance of 5 days low interest on the £400 I had left there I was then pleased to be able to open a new Regular Saver today and also set up a standing order starting tomorrow. I'll try and remember this for next year!!

Did you fund it today too?

FishInGlass

flaneurs_lobster said:

FishInGlass said:

My Club Lloyds Monthly Saver was due to end on the 7th April. I had a letter saying I could log in my account and see the options available to me. I had a choice of the Standard Saver at 1.15% or a Club Lloyds Saver at 1.40%. I had no intention of leaving any money in there long term but I chose the latter anyway. I was quite surprised on logging on today to see interest on the account dated the 26th March and that it was no longer a Regular Saver. Having got over the minor annoyance of 5 days low interest on the £400 I had left there I was then pleased to be able to open a new Regular Saver today and also set up a standing order starting tomorrow. I'll try and remember this for next year!!

Did you fund it today too?

Funded with £400 today and another £400 going in tomorrow (1st April). Lloyds BTW if you are skim reading this.

WLewer98

I'm considering closing my Nationwide flex saver issue 4 and my Skipton member regular saver now in order to realise the interest in the current tax year.

Both accounts are still showing as currently available to apply for. Does anyone know if I could re-apply for both in the new tax year if I do this?