The Top Regular Savers Discussion Thread

checkly

COVENTRY BS SUNNY DAY SAVER RATE REDUCTION

From 2 June 2025, the rate on your Sunny Day Saver will decrease by up to 0.25% gross p.a.

Current rates

	Annual
Balance / Term	Gross p.a.
£0.01 plus	6.00%

New rates effective from 2 June 2025

	Annual
Balance / Term	Gross p.a.
£0.01 plus	5.75%

E_zroda

checkly said:

COVENTRY BS SUNNY DAY SAVER RATE REDUCTION

From 2 June 2025, the rate on your Sunny Day Saver will decrease by up to 0.25% gross p.a.

Current rates

	Annual
Balance / Term	Gross p.a.
£0.01 plus	6.00%

New rates effective from 2 June 2025

	Annual
Balance / Term	Gross p.a.
£0.01 plus	5.75%

...and for them it was a very difficult decision. (allegedly)

Kim_13

E_zroda said:

checkly said:

COVENTRY BS SUNNY DAY SAVER RATE REDUCTION

From 2 June 2025, the rate on your Sunny Day Saver will decrease by up to 0.25% gross p.a.

Current rates

	Annual
Balance / Term	Gross p.a.
£0.01 plus	6.00%

New rates effective from 2 June 2025

	Annual
Balance / Term	Gross p.a.
£0.01 plus	5.75%

...and for them it was a very difficult decision. (allegedly)

0.25% higher than the NatWest Digital Regular Saver after the cuts take effect, giving customers a more difficult decision to decide which to prioritise given the Sunny Day Savers mature in September.

allegro120

ih8stress said:

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

To get maximum return from this account you can deposit £200 now and make 5 more £200 payments on the 1st of each consecutive months starting from 1st June.

£1 followed by £199 won't be a problem, but I wouldn't do it on the same day.  This can trigger fraud alert leading to your payment being blocked and a long phone call with your bank's "fraud department" to unblock it (happened to me many times in the past). It should be OK of you deposit the rest of your money next day after the initial £1.

I used to do £1 tests but stopped when CoP was introduced.  There's no point doing it anymore. 

Bob2000

Hattie627 said:

Principality BS

I have a Regular Saver Bond Issue 34 maturing on 30th May. Maturity options are available online today. Pleased to see that one of the options is to open 6 month Regular Saver Issue 3 (rolling over £200 on maturity and keeping same account number). The interest rate is fixed at 7.36% gross/7.50% AER. I have selected this in the hope that it will be honoured even if the 6 month RS Issue 3 is withdrawn before 30 May.

Thought that this might be useful to anyone with a RSB Issue 34 maturing around same date as mine (think I opened it on the day it became available)

Edited to add: this will be my third 6 month RS Issue 3

I have an RSB issue 34 that matures  on 31st  May and have just given instructions  online to deposit £200 into a 6 month regular saver issue 3 (my second one if excepted).

It stated  on the online mature instructions  that the £200 will be deposited on the 31th  so will l be able to add the second £200 on the 1st June?

Also, if they realise that l already have a duplicate  account, would they close both accounts  or just my newer one?

Bigwheels1111

Bob2000 said:

Hattie627 said:

Principality BS

I have a Regular Saver Bond Issue 34 maturing on 30th May. Maturity options are available online today. Pleased to see that one of the options is to open 6 month Regular Saver Issue 3 (rolling over £200 on maturity and keeping same account number). The interest rate is fixed at 7.36% gross/7.50% AER. I have selected this in the hope that it will be honoured even if the 6 month RS Issue 3 is withdrawn before 30 May.

Thought that this might be useful to anyone with a RSB Issue 34 maturing around same date as mine (think I opened it on the day it became available)

Edited to add: this will be my third 6 month RS Issue 3

I have an RSB issue 34 that matures  on 31st  May and have just given instructions  online to deposit £200 into a 6 month regular saver issue 3 (my second one if excepted).

It stated  on the online mature instructions  that the £200 will be deposited on the 31th  so will l be able to add the second £200 on the 1st June?

Also, if they realise that l already have a duplicate  account, would they close both accounts  or just my newer one?

No, they have not yet.

If you go the option to open a new one that's on them.

I have two issue 2 and one issue 3.

Bob2000

Bigwheels1111 said:

Bob2000 said:

Hattie627 said:

Principality BS

I have a Regular Saver Bond Issue 34 maturing on 30th May. Maturity options are available online today. Pleased to see that one of the options is to open 6 month Regular Saver Issue 3 (rolling over £200 on maturity and keeping same account number). The interest rate is fixed at 7.36% gross/7.50% AER. I have selected this in the hope that it will be honoured even if the 6 month RS Issue 3 is withdrawn before 30 May.

Thought that this might be useful to anyone with a RSB Issue 34 maturing around same date as mine (think I opened it on the day it became available)

Edited to add: this will be my third 6 month RS Issue 3

I have an RSB issue 34 that matures  on 31st  May and have just given instructions  online to deposit £200 into a 6 month regular saver issue 3 (my second one if excepted).

It stated  on the online mature instructions  that the £200 will be deposited on the 31th  so will l be able to add the second £200 on the 1st June?

Also, if they realise that l already have a duplicate  account, would they close both accounts  or just my newer one?

No, they have not yet.

If you go the option to open a new one that's on them.

I have two issue 2 and one issue 3.

Ok, we will see then. I feel like a right rebel!

allegro120

Bob2000 said:

Hattie627 said:

Principality BS

I have a Regular Saver Bond Issue 34 maturing on 30th May. Maturity options are available online today. Pleased to see that one of the options is to open 6 month Regular Saver Issue 3 (rolling over £200 on maturity and keeping same account number). The interest rate is fixed at 7.36% gross/7.50% AER. I have selected this in the hope that it will be honoured even if the 6 month RS Issue 3 is withdrawn before 30 May.

Thought that this might be useful to anyone with a RSB Issue 34 maturing around same date as mine (think I opened it on the day it became available)

Edited to add: this will be my third 6 month RS Issue 3

I have an RSB issue 34 that matures  on 31st  May and have just given instructions  online to deposit £200 into a 6 month regular saver issue 3 (my second one if excepted).

It stated  on the online mature instructions  that the £200 will be deposited on the 31th  so will l be able to add the second £200 on the 1st June?

Also, if they realise that l already have a duplicate  account, would they close both accounts  or just my newer one?

Principality 6 month RS
Yes, you'll be able to add the next £200 on 1st June. 
They won't close any of your accounts.  My issue 34 matures on 30th May, I already have two issue 3s so I'm sure the third one will fit in nicely.  

flaneurs_lobster

Bob2000 said:

Bigwheels1111 said:

Bob2000 said:

Hattie627 said:

Principality BS

I have a Regular Saver Bond Issue 34 maturing on 30th May. Maturity options are available online today. Pleased to see that one of the options is to open 6 month Regular Saver Issue 3 (rolling over £200 on maturity and keeping same account number). The interest rate is fixed at 7.36% gross/7.50% AER. I have selected this in the hope that it will be honoured even if the 6 month RS Issue 3 is withdrawn before 30 May.

Thought that this might be useful to anyone with a RSB Issue 34 maturing around same date as mine (think I opened it on the day it became available)

Edited to add: this will be my third 6 month RS Issue 3

I have an RSB issue 34 that matures  on 31st  May and have just given instructions  online to deposit £200 into a 6 month regular saver issue 3 (my second one if excepted).

It stated  on the online mature instructions  that the £200 will be deposited on the 31th  so will l be able to add the second £200 on the 1st June?

Also, if they realise that l already have a duplicate  account, would they close both accounts  or just my newer one?

No, they have not yet.

If you go the option to open a new one that's on them.

I have two issue 2 and one issue 3.

Ok, we will see then. I feel like a right rebel!

Should be fine, I've got 2 of each issue 2 & 3, with instructions given for my bond, as yours, to give me a 3rd 3.

exel1966

From 09th June

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