The Top Regular Savers Discussion Thread

flaneurs_lobster

topyam said:

Do Principality care when you add the £ each month? Just see it mention calendar month.. was wondering whether they make you wait a month between 

No they don't, so you could fund a whole month's maximum contribution today and again tomorrow.

saverkev

BestSeagull said:

s71hj said:

So my Principality RS issue 3 maturity instructions now show online. The RS 4 is an option, which is wasn't on the letter I received. It feels like the jury is out on here whether timing or random chance dictates whether /how to get such a request through successfully when you already have an RS 4
 I'm wondering if today as a non working day followed by a busy Monday morning would. be worth a try. Thoughts? 

You know, I was wondering myself (after putting it down to luck originally), if timing has anything to do with it. I thought about submitting a last minute request as perhaps then it would be too late to deny? And it's probably just coincidence but I noticed that both of my rejection messages arrived on a Tuesday.

Principality maturity 

My last one I successfully got another issue 3 after giving instructions online over the weekend - my next matures the 13th so am going to submit it next Sunday 🤞

Bridlington1

A summary of changes to the listings on the first page of The Top Regular Savers Discussion Thread between 1st August 2025 and 31st August 2025:

A link to this post is included on the first page of The Archived History Of Regular Savers Thread *** NO CHAT*** thread.

I have now cleared out the recently NLA regular savers list on the first page of The Top Regular Savers Discussion Thread.

The following accounts have been added between 1/8/25 and 31/8/25 (see first page of The Top Regular Savers Discussion Thread for details):

Principality BS 6 Month Regular Saver (Issue 4) at 7.5% ~~~ Launched 28/8/25
Monmouthshire BS Branch Exclusive Regular Saver - Issue 1 at 7% ~~~ Launched 21/8/25
Monmouthshire BS App Exclusive Regular Saver - Issue 1 at 7% ~~~ Launched 21/8/25
Darlington BS 12 Month Regular Saver Issue 2 at 6% ~~~ Launched 8/8/25
Chorley BS Regular Saver (31.07.2026) at 5.15% ~~~ Launched 1/8/25
Chorley BS Regional 2 Year Flexible Saver (31.07.2027) at 5.15% ~~~ Launched 1/8/25
Leeds BS Regular Saver (Issue 67) at 4.7% ~~~ Launched 1/8/25

The following accounts have been removed between 1/8/25 and 31/8/25:

~~~~~~NLA 1/8/25 ~~~~~~Leeds BS Regular Saver (Issue 66) ~~~ Launched 1/7/25
Interest rate: 4.7% gross p.a. variable
Monthly payment: £0-£250 per calendar month
Miss any payments: Yes, miss as many as you wish
Penalty-free withdrawals: One withdrawal per calendar year (including account closure) is permitted subject to the minimum balance of £100 being maintained. Further withdrawals can be made subject to 30 days loss of interest on the amount withdrawn.
Age of applicant: Aged 18 or over
How to open account: Branch, online or post
Length of account term: Matures 1/7/2027
Maximum balance: £6,000 plus interest
Deposits on non-working days: Treated as having been received the same day.
Special conditions: You may only hold one Leeds Building Society Regular Saver product of any issue at a time. Withdrawals/closure can be made by faster payment over the phone.

~~~~~~NLA 1/8/25 ~~~~~~Chorley BS Regular Saver (30.06.2026) ~~~ Launched 1/7/25
Interest rate: 5.15% gross p.a. variable
Monthly payment: £25-£400 per calendar month
Miss any payments: Yes, miss as many as you like
Penalty-free withdrawals: None, but the account can be closed early without penalty
Age of applicant: Age 18 years old or older
How to open account: Branch, post or online
Length of account term: Matures on 30/6/26
Maximum balance: N/A
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: Initial deposit must be received by 31/7/25. Only one Regular Saver and one Seasonal Saver can be held in any 12 month rolling period.

~~~~~~NLA 1/8/25 ~~~~~~Chorley BS Regional 2 Year Flexible Saver (30.06.2027) ~~~ Launched 1/7/25
Interest rate: 5.15% gross p.a. variable
Monthly payment: £25-£400 per calendar month
Miss any payments: Yes, miss as many as you like
Penalty-free withdrawals: 2 withdrawals per year excluding early closure. If more than 2 withdrawals are made within a 12 month period the account shall be closed.
Age of applicant: Age 18 years old or older
How to open account: Branch, post or online
Length of account term: Matures on 30/6/27
Maximum balance: N/A
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: Initial deposit must be received by the 31/7/2025. Only one Regular Saver and one Seasonal Saver can be held in any 12 month rolling period. Must live in one of the following postcode areas (CA, FY, PR, LA, WN, BL, L, WA, BB, CH, M, SK, CW, OL).

~~~~~~NLA 8/8/25 ~~~~~~Darlington BS 12 Month Regular Saver
Interest rate: 5% gross p.a. variable from 3/3/25
Monthly payment: £0-£250 per calendar month
Miss any payments: Yes, as many as you wish
Penalty-free withdrawals: 2 withdrawals permitted during the account term, the account shall be closed upon the third withdrawal
Age of applicant: Age 16 or over for branch/post applications, 18 for online applications

How to open account: Online, branch, post
Length of account term: 12 months from the date of opening
Maximum balance: £3,000
Deposits on non-working days: Treated as having been received the same day.
Special conditions: N/A

~~~~~~NLA 11/8/25 ~~~~~~Loughborough BS 1 Year Super Saver Account (Local) ~~~ Launched 14/4/25*** Ts&Cs Updated 13/6/25
Interest rate: 6% AER. variable
Monthly payment: £1000-£2000 per calendar month ***
Miss any payments: No. If the required 12 monthly deposits are not made, the account will be transferred to an Instant Access Saver 1.
Penalty-free withdrawals: 1 withdrawal per account year (1st April-31st March) plus closure
Age of applicant: Aged 16 or older
Length of account term: 12 months from opening
Maximum balance: £24,000
How to open account: branch/post
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: Only available to new and existing customers residing in the postcodes LE, DE, NG and existing customers who have held a savings or mortgage account since 1st June 2025 *** Was first spotted around midnight of 15/4/25 but judging by the way it appears on moneyfacts it appears to have been launched before then.

~~~~~~NLA 28/8/25 ~~~~~~Principality BS 6 Month Regular Saver (Issue 3) ~~~ Launched 13/3/25
Interest rate: 7.5% AER fixed
Monthly payment: £0-£200 per calendar month
Miss any payments: Yes, you can miss as many as you wish
Penalty-free withdrawals: No withdrawals allowed but early closure is permitted without penalty
Age of applicant: Aged 16 or over
How to open account: Branch or online
Length of account term: 6 months from the date of opening
Maximum balance: £1,200
Deposits on non-working days: Treated as having been received the same day.
Special conditions: N/A

The following accounts have been and gone between 1/8/25 and 31/8/25:

~~~~~~NLA 29/8/25 ~~~~~~Virgin Money Regular Saver Exclusive Issue 3~~~ Launched 1/8/25
Interest rate: 6.5% AER fixed
Monthly payment: £0-£250 per calendar month
Miss any payments: Yes, miss as many as you wish
Penalty-free withdrawals: Unlimited
Age of applicant: Aged 16 for branch opening, 18+ for online opening
How to open account: Online or Branch 
Length of account term: Matures 28/8/2026
Maximum balance: N/A
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: You may only hold one Virgin Money Regular Saver of any issue at a time. You must have a Virgin Money personal current account (excluding Essential Current Account or Virgin Money Current Account) to be able to open this account

Changes to first page of this thread:

I have now added a new section to the first page of the main regular savers thread, the ``Recent Additions" section. This is a continuously updated list of all the regular savers which have been added within the last half month to month which are still available and is in the format of the list of which accounts have been added to the thread in my monthly summaries.

On 15th of each month all the regular savers added prior to 1st of the month shall be removed from the list, on the final day of the month all the regular savers added prior to 15th of the month shall be removed from the list.

This list is purely an addition to the first page of the main regular savers thread so all listings remain as they were.

Changes to thresholds:

Previously I was only including accounts where the interest rate is 4.5% or better, or 4.3% if the account has favourable conditions (e.g. you can pay in £500 per month or more, the interest rate is fixed, or if the account matures after at least 2 years).

As you shall no doubt be aware the BOE Base Rate was cut from 4.25% to 4% on 7/8/25. After reviewing the wider savings landscape following this decision I have chosen to alter the thresholds for regular savers to be included on the main Regular Savers List.

I am now including accounts where the interest rate is 4.35% or better, or 4.15% if the account has favourable conditions (e.g. you can pay in £500 per month or more, the interest rate is fixed, or if the account matures after at least 2 years).

I have now removed the following regular savers as they have announced reductions to their interest rates to below these new thresholds:

Hinckley and Rugby BS Regular Saver 30 Day Notice Account (Issue 2)

Interest rate: 4.1% AER variable from 29/8/25
Monthly payment: £1-£1,000 per calendar month
Miss any payments: No stated penalty for missing any payments
Penalty-free withdrawals: As many as you want but you have to provide 30 days' notice in writing, by telephone or in branch. Withdrawals can be made by cash (up to £500 per day) or by cheque.
Age of applicant: Aged 13 years old or older
How to open account: Branch or post
Length of account term: 24 months from opening
Maximum balance: N/A
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: The account matures after 24 months. You can only hold one Regular Saver account (irrespective of the issue number) at any time

I have now added the following regular savers as they now meet the criteria to be included in my lists under the new thresholds:

Coventry BS Young Saver ~~~ Re-added 31/8/25
Interest rate: 4.25% AER variable from 2/6/25
Monthly payment: £1-£200 per calendar month
Miss any payments: Yes, you can miss as many as you like
Penalty-free withdrawals: As many as you like
Age of applicant: Aged 7 - 17
How to open account: Branch only
Length of account term: Matures when the child turns 18
Maximum balance: £5,000
Deposits on non-working days: Treated as having been received the same day.
Special conditions: N/A

Coventry BS Regular Saver (6) ~~~ Re-added 31/8/25
Interest rate: 4.15% gross p.a. variable from 1/9/25
Monthly payment: £0-£500 per account month
Miss any payments: Yes as many as you like
Penalty-free withdrawals: No, withdrawals/closure subject to a penalty of 30 days interest on the funds withdrawn. The penalty for closing the account is waived if Coventry BS have announced a cut to the interest rate of this account in the last 30 days. 
Age of applicant: Aged 16 or over
How to open account: Online, branch, post, telephone
Length of account term: 12 months from opening
Maximum balance: N/A
Deposits on non-working days: Treated as having been received the same day.
Special conditions: N/A

dingling68

@Bridlington1 just a quick thank you for all the hard work you put into this thread to satisfy our RS addictions . Clicking "thanks" on your posts just doesnt seem enough, but please know it is very much appreciated  thanks to you all for a safe space too 

happybagger

In amongst all the hundreds of MonBS and PBS posts which I can't be bothered going through, not sure if this has been noted

Dudley BS rate changes come into effect 24 September
NO CHANGE to the currently available accounts:
One Year Regular Saver Issue 9 remains at 5%
One Year Loyalty Regular Saver remains at 6%

@Bridlington1

clairec666

Stargunner said:

s71hj said:

So my Principality RS issue 3 maturity instructions now show online. The RS 4 is an option, which is wasn't on the letter I received. It feels like the jury is out on here whether timing or random chance dictates whether /how to get such a request through successfully when you already have an RS 4
 I'm wondering if today as a non working day followed by a busy Monday morning would. be worth a try. Thoughts? 

My issue 3 matures on the 13th Sept. I don’t currently have an issue 4. I will probably give maturity instructions today to get the issue 4. I will ghen give it a couple of days and apply for another issue 4, as my account will not show of me having an active issue 4.

That sounds like a wise idea. Trouble is, I got a tad too excited when issue 4 was released that I snapped it up straight away, whereas in hindsight it would have been better to have waited until after giving my maturity instructions.

Oh well, perhaps our regular saver addictions work against us sometimes. I'll just have to keep my fingers crossed that my maturity instructions are accepted.

s71hj

clairec666 said:

Stargunner said:

s71hj said:

So my Principality RS issue 3 maturity instructions now show online. The RS 4 is an option, which is wasn't on the letter I received. It feels like the jury is out on here whether timing or random chance dictates whether /how to get such a request through successfully when you already have an RS 4
 I'm wondering if today as a non working day followed by a busy Monday morning would. be worth a try. Thoughts? 

My issue 3 matures on the 13th Sept. I don’t currently have an issue 4. I will probably give maturity instructions today to get the issue 4. I will ghen give it a couple of days and apply for another issue 4, as my account will not show of me having an active issue 4.

That sounds like a wise idea. Trouble is, I got a tad too excited when issue 4 was released that I snapped it up straight away, whereas in hindsight it would have been better to have waited until after giving my maturity instructions.

Oh well, perhaps our regular saver addictions work against us sometimes. I'll just have to keep my fingers crossed that my maturity instructions are accepted.

But of course they could have pulled it leaving you with nothing. That's always the dilemma

surreysaver

s71hj said:

So my Principality RS issue 3 maturity instructions now show online. The RS 4 is an option, which is wasn't on the letter I received. It feels like the jury is out on here whether timing or random chance dictates whether /how to get such a request through successfully when you already have an RS 4
 I'm wondering if today as a non working day followed by a busy Monday morning would. be worth a try. Thoughts? 

Maybe the letter was posted before the Issue 4 existed 

s71hj

surreysaver said:

s71hj said:

So my Principality RS issue 3 maturity instructions now show online. The RS 4 is an option, which is wasn't on the letter I received. It feels like the jury is out on here whether timing or random chance dictates whether /how to get such a request through successfully when you already have an RS 4
 I'm wondering if today as a non working day followed by a busy Monday morning would. be worth a try. Thoughts? 

Maybe the letter was posted before the Issue 4 existed 

Great point. Weird how the literature for it was included but that could be explained by different stages of the process in the build up to postage. 

badger09

dingling68 said:

@Bridlington1 just a quick thank you for all the hard work you put into this thread to satisfy our RS addictions . Clicking "thanks" on your posts just doesnt seem enough, but please know it is very much appreciated  thanks to you all for a safe space too 

I couldn’t agree more. I even considered risking the wrath of the forum by posting something similar on the Archived no chat thread. I honestly don’t know how @Bridlington1 finds the time & inclination but his efforts are very much appreciated.