We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

The Top Regular Savers Discussion Thread

1…448449451453454…812

Comments

  • wmb194
    wmb194 Posts: 5,296 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    francoghezzi said:
    clairec666 said:
    The two Skipton regular savers both track the base rate, so we can be sure of their rate cuts. Presumably cuts to other variable rate accounts will be announced over the next few days.

    Ones to keep an eye out for:
    Cooperative - currently 7%, wasn't cut with the last BOE base rate cut
    Nationwide - currently 6.5%, been at the same rate for quite a while now
    Coventry Sunny Day Saver - currently 5.75%
    NatWest/RBS - currently 5.5%, had a big cut recently so am optimistic that they won't cut it again so soon

    Also worth keeping an eye on Principality to see if they introduce a 6 Month Regular Saver Issue 4 (and so the fun begins...)
    What I'm personally going to find interesting will be any decision related to the Regular Saver with fixed rate. Of course they won't change, but they could be replaced. How many weeks are going First Direct (7%) and Lloyds (6.25%) to survive? And what about the Halifax and Bank of Scotland fixed at 5.50% and so on ...? 
    Those ones are promotional, eye catching rates so my guess is that they have a decent chance of surviving.
  • Bridlington1
    Bridlington1 Posts: 4,127 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    wmb194 said:
    francoghezzi said:
    clairec666 said:
    The two Skipton regular savers both track the base rate, so we can be sure of their rate cuts. Presumably cuts to other variable rate accounts will be announced over the next few days.

    Ones to keep an eye out for:
    Cooperative - currently 7%, wasn't cut with the last BOE base rate cut
    Nationwide - currently 6.5%, been at the same rate for quite a while now
    Coventry Sunny Day Saver - currently 5.75%
    NatWest/RBS - currently 5.5%, had a big cut recently so am optimistic that they won't cut it again so soon

    Also worth keeping an eye on Principality to see if they introduce a 6 Month Regular Saver Issue 4 (and so the fun begins...)
    What I'm personally going to find interesting will be any decision related to the Regular Saver with fixed rate. Of course they won't change, but they could be replaced. How many weeks are going First Direct (7%) and Lloyds (6.25%) to survive? And what about the Halifax and Bank of Scotland fixed at 5.50% and so on ...? 
    Those ones are promotional, eye catching rates so my guess is that they have a decent chance of surviving.
    So were NatWest/RBS's DRSs at 6.17% (now 5.5%) and the TSB Monthly Saver (was 6%, now 5% to new customers) so I wouldn't take anything for granted. They may survive, they may not, I think it could go either way to be honest.
  • liamcov
    liamcov Posts: 658 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    edited 7 August at 3:46PM
    Can anyone tell me what the following account actually is from Market Harborough, listed on my online banking is:

    1 Yr Reg Svr Iss4

    Only account I can see on their website is 

    Fixed Term Regular Saver (30.09.2026)

  • Kim_13
    Kim_13 Posts: 3,693 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Photogenic
    If Coventry cut the Sunny Day Saver at this point, it will be a new level of stinginess. The accounts begin maturing in little more than three weeks and it was on sale for less than a month. So very little gain for them when factoring in the notice period and the admin taken to communicate a rate drop.
  • Bridlington1
    Bridlington1 Posts: 4,127 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    liamcov said:
    Can anyone tell me what the following account actually is from Market Harborough, listed on my online banking is:

    1 Yr Reg Svr Iss4

    Only account I can see on their website is 

    Fixed Term Regular Saver (30.09.2026)

    They're one and the same.
  • liamcov
    liamcov Posts: 658 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    Bridlington1 said:
    liamcov said:
    Can anyone tell me what the following account actually is from Market Harborough, listed on my online banking is:

    1 Yr Reg Svr Iss4

    Only account I can see on their website is 

    Fixed Term Regular Saver (30.09.2026)

    They're one and the same.
    Thank you. Why do they and others have varying names for the same thing it's frustrating. 
  • Bridlington1
    Bridlington1 Posts: 4,127 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Vernon BS Online Regular Saver to fall from 6% to 5.75% from 1/9/25
  • Dizzycap
    Dizzycap Posts: 1,241 Forumite
    1,000 Posts Second Anniversary Photogenic Debt-free and Proud!
    Kim_13 said:
    If Coventry cut the Sunny Day Saver at this point, it will be a new level of stinginess. The accounts begin maturing in little more than three weeks and it was on sale for less than a month. So very little gain for them when factoring in the notice period and the admin taken to communicate a rate drop.
    Exactly! But I bet they will just to keep all their cuts balanced throughout their product range, which is already dismal at best!  :/ 
    ~ NSD 2025 - NSD October 19/20 (9 x💯)
    # Spectos/Royal Mail Monitoring and Posting Panel - On Rest - 2 x £25 Vouchers Redeemed, 29 FREE Books of RM Stamps & Presentation Pack.
    ~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺
    ⭐️Completed Challenges 2025:
    # No.36 Make £2025 in 2025 £1278.68 / £2025  (4) 💯💯💯
    # No.12 Save £2 a Day 2025 £730/ £730 💯
    # No.27 Save 1p A Day 2025 £667.95 / £667.95 💯
    # No.19 52 Week Env Challenge £1378 / £1378 💯 
    # No.34 Save £12k in 2025 £20,075.12 / £12,000 💯 (8) - Continuing
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.1K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245.1K Work, Benefits & Business
  • 600.7K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 258.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture