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…646647649651652…1064

Comments

  • Bridlington1
    Bridlington1 Posts: 4,413 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    edited 18 September 2025 at 6:07PM
    Section62 said:
    Bridlington1 said:

    ...
    EDIT: Apologies for not responding to your post yesterday @Hattie627, I first spotted it on my dinner break yesterday so didn't have my laptop on me. Must've forgotten to revisit it when I got home.
    You could probably do with a PA. I wonder if MSE would be willing to fund one? :)
    I don't think MSE would be mean enough to put someone through being my PA.

    Besides the summer's nearing its end so I'll need something to do for when I'm trying to ignore winter.
  • jameseonline
    jameseonline Posts: 1,305 Forumite
    1,000 Posts First Anniversary Name Dropper
    edited 18 September 2025 at 6:31PM
    OMG YBS so kind to offer a 6% £50 Regular Saver, although could just open a 6% Monmouthshire with higher deposit limits.

    Not surprised Monmouthshire have pulled the 7% to be honest, you've had plenty of time to get one, maybe it will come back while they go through postal applications or something app out or something?.

    Might try applying for the YBS but don't expect to get it due to their flawed checking processes.

    Also while on subject of YBS they sent me a text message saying their branches are open on Saturday 27th September to help me during sUK Savings Week, that's nice but can't get to a branch🤣
  • happybagger
    happybagger Posts: 1,230 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Combo Breaker
    Bridlington1 said:
    The following banks/building societies did not declare what they shall be doing to their accounts following the base rate cut:
    ...

    Swansea BS haven't declared yet either, for anyone that has it. Though it is a long time since this was anywhere near competitive
  • subjecttocontract
    subjecttocontract Posts: 3,158 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 18 September 2025 at 6:46PM
    jameseonline said:

    Also while on subject of YBS they sent me a text message saying their branches are open on Saturday 27th September to help me during sUK Savings Week, that's nice but can't get to a branch🤣

    YBS would have to do a lot better than their latest offer if they expect me to put my money with them during savings week.
  • allegro120
    allegro120 Posts: 2,342 Forumite
    1,000 Posts Second Anniversary Name Dropper
    surreysaver said:
    WillPS said:
    Probably won't bother with an application even for YBS - 6% accounts are already being lined up to be culled in the next couple of months to keep MonBS topped up at 7%. Even if it became competitive through other reductions midterm the potential gain would be tiny.

    It'll make sense for someone, but not for me.
    And YBS are reducing the rates on variable rate accounts in a couple of weeks - I wonder if that includes this one?
    No, 2nd October reduction was published a while ago, so presumably it will stay 6% until the next round.
  • WillPS
    WillPS Posts: 5,381 Forumite
    Part of the Furniture 1,000 Posts Newshound! Name Dropper
    E_zroda said:
    WillPS said:
    Probably won't bother with an application even for YBS - 6% accounts are already being lined up to be culled in the next couple of months to keep MonBS topped up at 7%. Even if it became competitive through other reductions midterm the potential gain would be tiny.

    It'll make sense for someone, but not for me.
    What would be the plan for the 000s in MonBS when their rate starts dropping down after the initial inflow from MSEs money?
    1. I'm expecting the rate on this account to still be above 6% based on current base rate predictions
    2. If it falls below that then the money will likely get redistributed elsewhere
    3. If the YBS £50 is still available and makes sense (bearing in mind it's also variable!), I'll take one then. If not, and I end up saving those £50s at a rate lower than 6%, I will be able to live with that.
  • Dizzycap
    Dizzycap Posts: 1,484 Forumite
    1,000 Posts Second Anniversary Photogenic Debt-free and Proud!
    edited 18 September 2025 at 9:24PM
    subjecttocontract said:
    jameseonline said:

    Also while on subject of YBS they sent me a text message saying their branches are open on Saturday 27th September to help me during sUK Savings Week, that's nice but can't get to a branch🤣

    YBS would have to do a lot better than their latest offer if they expect me to put my money with them during savings week.
    It depends what gets offered during savings week - The YBS is a great little RS if you want to compound monthly interest using RS ,which I'm doing. It also allows 3 withdrawls, so if the rate drops or a better offer comes along - gone!  :D
    You never know, Monmouthshire may have pulled the RS Issues 1's & exclusives ready to release Issue 2 during savings weeks - They'll be MSE mayhem, if they do!  :D
    ~ NSD 2026 Challenge January 13/20 (1)
    # No.12 Save £2 a Day 2026 £60.83 / £730 (1)
    # No.2 Save 1p A Day Challenge 2026 £59.17 / £667.95 (1)
    # No.19 52 Week Env Challenge 2026 £130 / £1378 (1)
    # No.4 Save £12k in 2026  £2454.88 / £12,000 (1)
    # No.4 £2 Savers Club 2026 - 25/12 - 24/10 £30 / £200 (1)
    # No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £50+ / £400 (1)
    # Make £2026 in 2026 £697.92 / £2026 (1)
  • Stargunner
    Stargunner Posts: 1,062 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Dizzycap said:
    subjecttocontract said:
    jameseonline said:

    Also while on subject of YBS they sent me a text message saying their branches are open on Saturday 27th September to help me during sUK Savings Week, that's nice but can't get to a branch🤣

    YBS would have to do a lot better than their latest offer if they expect me to put my money with them during savings week.
    It depends what gets offered during savings week - The YBS is a great little RS if you want to compound monthly interest using RS ,which I'm doing. It also allows 3 withdrawls, so if the rate drops or a better offer comes along - gone!  :D
    You never know, Monmouthshire may have pulled the RS Issues 1's & exclusives ready to release Issue 2 during savings weeks - They'll be MSE mayhem, if they do!  :D
    There won't be much compounding going on when you can only pay in a maximum of £50 per month.
  • drphila
    drphila Posts: 368 Forumite
    Part of the Furniture 100 Posts Name Dropper
    Principality Issue 3 Maturity Today

    Selected Option2 and opened new Issue 4 Monday lunchtime.

    Computer says yes
    Customer Services says.....er nothing

    So now proud owner of 2nd Issue 4 :)

    And no, I wasn't wearing anything green :D
★ ★ ★ 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
  • 353.1K Banking & Borrowing
  • 254K Reduce Debt & Boost Income
  • 454.8K Spending & Discounts
  • 246.2K Work, Benefits & Business
  • 602.4K Mortgages, Homes & Bills
  • 177.9K Life & Family
  • 260.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K 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