The Top Regular Savers Discussion Thread

Bridlington1

Bridlington1 said:

YBS to launch a Christmas 2025 regular saver on Wed 15/1/25
5% var
£150/MTH max
Matures 31/10/25

In addition to the above this account allows 1 withdrawal day per year plus closure as the previous Christmas 2024 RS did.

Apologies, I was rather short of time when I posted that (partly due to a poor internet connection) so forgot to add in that detail.

flaneurs_lobster

Bridlington1 said:

In addition to the above this account allows 1 withdrawal day per year plus closure as the previous Christmas 2024 RS did.

It will come as no surprise that the Santander Reg Saver allows unlimited withdrawals.

subjecttocontract

More importantly to me is the possibility that tomorrow we might see the launch of the new Furness reg saver......which looks to be a far more interesting proposition.

surreysaver

castle96 said:

you can have 2 x Market Harb ??

I'm debating whether to open the March 2026 one, as I've already got the November 2025 one and they might bring another one out which I wouldn't be able to open if I already had two

trickydicky14

subjecttocontract said:

flaneurs_lobster said:

Bridlington1 said:

YBS to launch a Christmas 2025 regular saver on Wed 15/1/25
5% var
£150/MTH max
Matures 31/10/25

Not exactly "punch the air and shout Whoop!" is it. Will this be as good as it gets from other providers going forward?

Agree I was going to say exactly the same.
Ideal for those that want to save for Christmas but for those of us that collect regular savers....I probably won't bother.

YBS, 

yah boo sucks

trickydicky14

flaneurs_lobster said:

Bridlington1 said:

In addition to the above this account allows 1 withdrawal day per year plus closure as the previous Christmas 2024 RS did.

It will come as no surprise that the Santander Reg Saver allows unlimited withdrawals.

It’s a bit sad we are now praising the merits of a 5% regular saver. Looking like the gravy train has hit the buffers.

Kim_13

jameseonline said:

Bridlington1 said:

YBS to launch a Christmas 2025 regular saver on Wed 15/1/25
5% var
£150/MTH max
Matures 31/10/25

5% Variable?, oh dear 🤣

Surprised they bothered launching at all with a rate that far off, given that Principality’s 7% fixed offering is still accepting applications and open to all. YBS accepts £25 more per month and allows a withdrawal for those that might have to curtail their Christmas plans should an emergency arise (but Principality also allow early closure.) So very little advantage in the YBS offering, and anyone saving for Christmas as opposed to collecting Regular Savers probably only needs one.

subjecttocontract

trickydicky14 said:

flaneurs_lobster said:

Bridlington1 said:

In addition to the above this account allows 1 withdrawal day per year plus closure as the previous Christmas 2024 RS did.

It will come as no surprise that the Santander Reg Saver allows unlimited withdrawals.

It’s a bit sad we are now praising the merits of a 5% regular saver. Looking like the gravy train has hit the buffers.

I don't see anyone praising the merits of a 5% reg saver. Neither do I see the gravy train has hit the buffers. There are plenty of mediocre reg savers available already paying less than 5%. With the current financial problems faced by the Gov' neither do I see interest rates falling anytime soon.

happybagger

subjecttocontract said:

More importantly to me is the possibility that tomorrow we might see the launch of the new Furness reg saver......which looks to be a far more interesting proposition.

Agree. Though the suggestion was that even that might only be 5.25%, before the postponement of the launch. I think that's what @Bridlington1 said earlier in the thread

GetRichOrDieSaving

Each to their own but my RS threshold continues to sit at 5.5%, so won’t be applying for the new YBS Xmas saver.