The Top Regular Savers Discussion Thread

Kim_13

Rate reduction for Stafford BS Regular Saver Issue 1 just arrived in the post. Already mentioned here I think, but they included the rates for all of their accounts and only the RS and Junior ISA have been cut by 0.35%, everything else by the cut exactly. Bit cheeky.

Bridlington1

YBS Interest rate cuts 19/6/25:

Currently available:
FIRST HOME SAVER ~~~ NO CHANGE ~~~~ Remains at 4.7%
LOYALTY REGULAR SAVER ~~~ Reduces from 5.25% to 5.05%
REGULAR SAVER ~~~ Reduces from 4.65% to 4.45%

NLA:
£50 REGULAR SAVER ~~~~ NO CHANGE~~~~ Remains at 8%
CHRISTMAS REGULAR SAVER 2025 ~~~~ Reduces from 5% to 4.8% 

Bridlington1

Bath BS Interest Rate Reductions 2/6/25:

Of note:
16-25 RS reduces from 6.89% to 6.65%

Bridlington1

exel1966 said:

COVENTRY BS

Additionally:
Loyalty Mortgage Saver reduces from 5.75% to 5.5%
Young Saver from 4.5% to 4.25%

Bridlington1

I've just spoken to Melton BS and they're going to be reducing the interest rates on some of their savings accounts on 28th May.

Of note though their Regular Saver 4, Regular Saver 5, Regular Saver 6 and Adcock Regular Saver are not affected so are set to remain at 5.5%, 5%, 6% and 6.5% respectively.

Kim_13

Bridlington1 said:

I've just spoken to Melton BS and they're going to be reducing the interest rates on some of their savings accounts on 28th May.

Of note though their Regular Saver 4, Regular Saver 5, Regular Saver 6 and Adcock Regular Saver are not affected so are set to remain at 5.5%, 5%, 6% and 6.5% respectively.

Excellent, I had so far been prioritising funding the NatWest Digital Regular Saver over the Regular Saver 6 due to the indefinite term of the former, but shall now switch that around.

drphila

Coventry Loyalty Seasonal RS

A penalty-incurring RS paying 5.5% is of limited interest to me so will probably take advantage of the penalty free closure option in the next 30 days, depending what cuts other RS providers announce

Hattie627

drphila said:

Coventry Loyalty Seasonal RS

A penalty-incurring RS paying 5.5% is of limited interest to me so will probably take advantage of the penalty free closure option in the next 30 days, depending what cuts other RS providers announce

The penalty only applies until 31 October 2025, after which withdrawals/early closure are penalty free. 5.5% is still quite a good rate, given base rate of now 4.25%. 

intalex

masonic said:

Based on my experience, the money should turn up tomorrow and the new account might also be opened tomorrow if you are lucky, otherwise over the weekend (there's precendent for them being opened on Saturdays and Sundays).

Thursday morning: Old account disappeared from app, managed to apply for new one
Friday morning: Got in touch with FD who (manually) emptied the old account balance into current account
Monday morning: New account opened with first deposit debited from current account and standing order set up

ih8stress

PRINCIPALITITY BS

Hi, just opened a 6mth Regular Saver with Principality, 7.5% AER Fixed

I haven't paid any money into it yet - will be doing the maximum £200 per month.

Do I have to pay the £200 in one go, or can I do more than one payment?

(I prefer to do a test payment of £1 first when setting an account up, just in case of issues).

Going forward, am I best to pay in £200 at the beginning or end of each month - or do I have to pay it on the same date each month?

Many thanks