The Top Regular Savers Discussion Thread

RosieRooBear

flaneurs_lobster said:

RosieRooBear said:

That’s what I was going to do too, just tried but it won’t let me withdraw even though I have a nominated account on there, possibly because the minimum operation balance is £250. @flaneurs_lobster, let me know if you have better luck 

Ah, me too. Going to be brave enough to close the EA?

@flaneurs_lobster, I’ll let you try first 😂

Reg_Smeeton

Kim_13 said:

trickydicky14 said:

Bridlington1 said:

Market Harborough Fixed Term Regular Saver (30.06.2026) at 5.8% NLA.

Replaced by Market Harborough Fixed Term Regular Saver (30.09.2026) at the same rate with a new maturity date of 30/9/26.

I see this is open in branch only unlike previous offers.

Only the first was officially available online if I recall correctly. I think there was a workaround briefly in December 2024 for the second, but nothing since. 

I opened the 30/6/26 issue online, I think good owd Bridlington found a link and posted it on here

courier9585

Bridlington1 said:

Regarding Dudley BS, I applied for a Dudley BS EA account the night before the One Year Loyalty RS was launched and the EA account was not opened until the day of the Loyalty RS being launched. I applied for a Loyalty RS.

I have just checked my online banking and I now have a One Year Loyalty RS showing as opened on 25th July with a balance of £500 despite having never funded the EA account so I shall just leave the EA account to get closed due to lack of funding and retain the RS.

Dudley BS

I also opened my RS the day after opening the EA, and the day after that i sent a message asking to close the EA which was completed within 24 hours.
I have also opened the One Year Regular Saver Issue 9 at 5%.

Bridlington1

Reg_Smeeton said:

Kim_13 said:

trickydicky14 said:

Bridlington1 said:

Market Harborough Fixed Term Regular Saver (30.06.2026) at 5.8% NLA.

Replaced by Market Harborough Fixed Term Regular Saver (30.09.2026) at the same rate with a new maturity date of 30/9/26.

I see this is open in branch only unlike previous offers.

Only the first was officially available online if I recall correctly. I think there was a workaround briefly in December 2024 for the second, but nothing since. 

I opened the 30/6/26 issue online, I think good owd Bridlington found a link and posted it on here

The new Mkt Harborough BS RS follows suit:
https://mhbsonline.co.uk/bankfastApply/apply/index?code=1yr04

dcs34

Market Harborough BS RS

Just to note you are still limited to 2 fixed term accounts at a time (so those with previous issues may struggle to apply. Moreover customers are limited to £250 deposited across these accounts per month however it does not seem (yet) that MHBS is enforcing this detail.

Speculator

allegro120 said:

Speculator said:

mon3ysav3r said:

I applied for the Monmouthshire BS Regular Saver Issue 8 paying 6%, up to £500 per month and unlimited withdrawals on their website (not app) on Friday. I have received no e-mail or any other comms from them at all yet - is anyone else waiting?

check your junkmail. should have email from them.

I've applied online on Friday.  Didn't receive any e-mails with regards to my application. 

I applied on the app but my wife is currently abroad and she applied online.

This is the email she received on Friday evening. It was in her junkmail.

Hello,

Thank you once again for choosing to open an account with Monmouthshire Building Society.

What happens next?

Our team will now begin to process your savings application. We’ll be as quick as we can and appreciate your patience.

1. Review Application - this is to ensure we have all the information we need to successfully open your account.

2. Verification - we will try to verify your identity electronically. This is required by law to verify the true identity of all new and existing customers. We may need to contact you for additional information or to verify certain details.

3. Application Set Up - Once your application is set up, we’ll send you your new account details and passbook in the post, together with an online signatory form for you to sign and return to the Society. We’ll try our best to get these to you within five working days (excluding weekends if you apply on a Saturday or Sunday).

4. Withdrawals – If you would like to make withdrawals to an external account that is not held with Monmouthshire Building Society, we will require you to nominate a bank/building society account. You can send us details of your nominated bank/building society account using our online Nominated Bank Account form, which you can find on our website.

If you did not ask for this account to be opened, please contact us.

Stargunner

pecunianonolet said:

Monmouthshire BS

Read that some got accidentally, or intentionally, 2 reg saver issue 8 opened. Technically against the T&C but the question is, has anyone funded both accounts already? Any issues, what is the risk of one or both being closed?

I find myself in the situation to have opened, unintentionally, 2 accounts and they show in the app. I have both, Natwest and RBS reg savers maxed out at 5k and was thinking to transition £500 over each month. Starting to use the Virgin funds first after maturity and once I run out of cash I slowly shift from the 5.5% RBS/Natwest to a 6% account. Funding both is £1000 each month on top of various other reg savers (Skipton, Nantionwide, Zoopa and various Principality accounts). I have maxed out my PSA already with received and expected interest so need to move into reg savers with maturity dates of next tax year and start to fill up my ISA (CMC now at 4.59% after promotion expiry). 

I plan to fund both Monmouthshire on Thursday and Friday, which would swallow 2k already but not sure on the 2 account thing. 

I ended up with 2 issue 8 savers, even though I only applied once. Only received an email for one of them.
I have funded one, but I am thinking of holding off funding the other one towards the end of next month, just before the 30 day funding window expires. They will then mature a month apart, which suits me better.

Kim_13

My Dudley Loyalty RS appeared online today. Very impressive, only posted second class on Thursday.

I will prioritise Monmouthshire for funding of the two on the basis that if they drop the rate, I can freely withdraw from it to fund Dudley but cannot do the other way around.

I'll hold off on funding Monmouthshire until my Skipton matures mid month, to spread them out a bit. Then move Skipton to the end of August.

PowerSavingMode

flaneurs_lobster said:

PowerSavingMode said:

Re Dudley BS Loyalty One Year Regular Saver

Did you fund it via cheque or electronically? I think it's cheque only, but wondered if you or anyone managed to fund it differently.

By FP, as soon as the account appeared online.

Using the same FP details as for the EA, but putting your Dudley BS Loyalty One Year Regular Saver account number as reference?

gt94sss2

PowerSavingMode said:

flaneurs_lobster said:

PowerSavingMode said:

Re Dudley BS Loyalty One Year Regular Saver

Did you fund it via cheque or electronically? I think it's cheque only, but wondered if you or anyone managed to fund it differently.

By FP, as soon as the account appeared online.

Using the same FP details as for the EA, but putting your Dudley BS Loyalty One Year Regular Saver account number as reference?

Dudley have two dedicated accounts for incoming electronic payments (details on their website FAQ).

One is for online accounts and one for passbook accounts. You should use the passbook account one (ending in 1008)  and use your actual account number (that appears online) as the payment reference.