The Top Regular Savers Discussion Thread

nottsphil

londoner62 said:

Does anybody have a comprehensive list of 2 or more year regular savers (irrespective of the interest rate); a little bit of long term planning is in order... Thanks in advance

It's quite quick to scan through the seventh item on each of the regular savers listed on page one of this thread. You'll see this along with all the other criteria to see if it's suitable, eg this Saffron offering is branch restricted:
Length of account term: 36 months from opening

londoner62

nottsphil said:

londoner62 said:

Does anybody have a comprehensive list of 2 or more year regular savers (irrespective of the interest rate); a little bit of long term planning is in order... Thanks in advance

It's quite quick to scan through the seventh item on each of the regular savers listed on page one of this thread. You'll see this along with all the other criteria to see if it's suitable, eg this Saffron offering is branch restricted:
Length of account term: 36 months from opening

The drawback with page 1 is the threshold imposed. I'm trying to look further buit thanks.

nottsphil

londoner62 said:

nottsphil said:

londoner62 said:

Does anybody have a comprehensive list of 2 or more year regular savers (irrespective of the interest rate); a little bit of long term planning is in order... Thanks in advance

It's quite quick to scan through the seventh item on each of the regular savers listed on page one of this thread. You'll see this along with all the other criteria to see if it's suitable, eg this Saffron offering is branch restricted:
Length of account term: 36 months from opening

The drawback with page 1 is the threshold imposed. I'm trying to look further buit thanks.

Do you mean the interest threshold, because the lower one meets your requirement:

I am only adding accounts where the interest rate is 4.6% or better, or 4.4% 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).

rallycurve

Stargunner said:

Bridlington1 said:

NatWest/RBS Interest rate reductions 30/5/25:

NatWest Digital Regular Saver Account and Royal Bank of Scotland Digital Regular Saver Account ~~~ Reduction from 6.17% to 5.5% for balances of £5k or less.
The rate for balances over £5k shall be cut from 1.25% to 1.15%.

Those are the AER figures for those that can leave the interest in to compound.
For those of us already at £5k, we have to siphon off the interest each month. Do you know what the current 6.0% Gross interest is reducing to, as I can’t find it online yet. I imagine it will be around 5.33%

5.37%

https://www.natwest.com/savings/manage-your-savings/savings-interest-rates-changes.html

ThePirates

Bridlington1 said:

NatWest/RBS Interest rate reductions 30/5/25:

NatWest Digital Regular Saver Account and Royal Bank of Scotland Digital Regular Saver Account ~~~ Reduction from 6.17% to 5.5% for balances of £5k or less.
The rate for balances over £5k shall be cut from 1.25% to 1.15%.

Yikes, wasn't expecting that. Puts them below my current funding level...

Bridlington1

Stargunner said:

Bridlington1 said:

NatWest/RBS Interest rate reductions 30/5/25:

NatWest Digital Regular Saver Account and Royal Bank of Scotland Digital Regular Saver Account ~~~ Reduction from 6.17% to 5.5% for balances of £5k or less.
The rate for balances over £5k shall be cut from 1.25% to 1.15%.

Those are the AER figures for those that can leave the interest in to compound.
For those of us already at £5k, we have to siphon off the interest each month. Do you know what the current 6.0% Gross interest is reducing to, as I can’t find it online yet. I imagine it will be around 5.33%

5.5% AER (5.37% gross). Post now amended to show both rates for the headline rate.

Hattie627

Many thanks to Bridlington1 for keeping us up-to-date with interest rate changes.

Anyone else finding the merry-go-round of interest rate changes every couple of months exhausting? I'm very glad that most of my regular savers are fixed rate.

Bridlington1

Hattie627 said:

Anyone else finding the merry-go-round of interest rate changes every couple of months exhausting? I'm very glad that most of my regular savers are fixed rate.

Not exhausting but I must confess I found it more fun when interest rates were rising.

clairec666

Haha, definitely more fun when rates were rising, but actually I quite enjoy the challenge of working out my regular saver strategy. Any excuse to play around with a spreadsheet!

ernie-money

Sorry if the question has been asked before, but does anyone know; if you have a joint Virgin current account - would both account holders qualify for the regular savings account please?