The Top Regular Savers Discussion Thread

allegro120

DodgerPot said:

Scottish Building Society 

I’d found a different savings Application Form which I’ve printed off in anticipation. 

At the bottom it gives option to scan and email back with ID passport/driving licence scans 
Hoping this is a method to apply 

That would be the game changer for me.  My scanner is working and I have pictures of my passport and signature.  Don't even need a scanner, can just edit and send pdf.

I hope this version of form will be allowed for opening this RS

DodgerPot

masonic said:

Needless to say, it would be unwise to email a scan of your passport or driving licence. 

Can I ask why ? I’ve done the same previously when opening bank accounts 

AndyTh_2

DodgerPot said:

masonic said:

Needless to say, it would be unwise to email a scan of your passport or driving licence. 

Can I ask why ? I’ve done the same previously when opening bank accounts 

for one, not all providers support TLS encryption or enforce it, so some email sending is plaintext over the internet. Even some that are TLS can be downgrade attacked to be plaintext.
another is that the email will not likely be deleted and be accessible to more people than necessary with possibly not enough record of access

Bridlington1

A summary of changes to the listings on the first page of The Top Regular Savers Discussion Thread between 1st September 2025 and 30th September 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 1/9/25 and 30/9/25 (see first page of The Top Regular Savers Discussion Thread for details):

Chorley BS Home Saver at 4.25% ~~~ Launched 24/9/25
Manchester BS Regular Saver Issue 1 at 5.5% ~~~ Launched 17/9/25 (first noted 22/9/25)
Yorkshire BS 50 Pound Regular Saver/eSaver at 6% ~~~ Launched 18/9/25
Suffolk BS Online 1 Year Fixed Rate Regular Saver (30.11.2026) at 5% ~~~ Launched 8/9/25
Suffolk 1 Year Fixed Rate Regular Saver (30.11.2026) at 5% ~~~ Launched 8/9/25
Market Harborough BS Limited Edition Regular Saver (04.11.2026) - Branch Exclusive at 6% ~~~ Launched 3/9/25
Chorley BS Regular Saver (31.08.2026) at 5.15% ~~~ Launched 1/9/25
Chorley BS Regional 2 Year Flexible Saver (31.08.2027) at 5.15% ~~~ Launched 1/9/25
Leeds BS Regular Saver (Issue 68) at 4.7% ~~~ Launched 1/9/25
Nationwide BS Flex Regular Saver (Issue 7) at 6.5% ~~~ Launched 1/9/25

The following accounts have been removed between 1/9/25 and 30/9/25:

~~~~~~NLA 1/9/25 ~~~~~~Nationwide BS Flex Regular Saver (Issue 6)~~~ Launched 6/6/25
Interest rate: 6.5% gross p.a. variable
Monthly payment: £0-£200 per calendar month
Miss any payments: No stated penalty for missing any payments
Penalty-free withdrawals: Three penalty-free withdrawals
Age of applicant: At least 16 years old
How to open account: Online only
Length of account term: 12 months from the date of opening
Maximum balance: N/A
Deposits on non-working days: Treated as having been received the same day.
Special conditions: Only available to Nationwide current account holders. You can only be named on one Flex Regular Saver product at any time (of any issue). 

~~~~~~NLA 1/9/25 ~~~~~~Chorley BS Regular Saver (31.07.2026) ~~~ Launched 1/8/25
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 31/7/26
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 31/8/25. Only one Regular Saver and one Seasonal Saver can be held in any 12 month rolling period.

~~~~~~NLA 1/9/25 ~~~~~~Leeds BS Regular Saver (Issue 67) ~~~ Launched 1/8/25
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 1/8/2027
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 1/9/25 ~~~~~~Chorley BS Regional 2 Year Flexible Saver (31.07.2027) ~~~ Launched 1/8/25
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 31/7/27
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 31/8/2025. 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 2/9/25 ~~~~~~Penrith Regular E-Saver 200 (Issue 1)
Interest rate: 5% gross p.a. variable (this interest rate first noted 27th November 2024)
Monthly payment: £0-£200 per calendar month
Miss any payments: Yes, miss as many as you wish
Penalty-free withdrawals: A maximum of four withdrawals per calendar year (January to December) are allowed. The account will be closed upon the 5th withdrawal in the same calendar year.
Age of applicant: Aged over 18
How to open account: Online only
Length of account term: 2 years from date of opening
Maximum balance: None stated other than £250,000 across all Penrith BS accounts
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: Joint accounts are not permitted. A Nominated UK Bank Account must be set up at the point of account opening and all withdrawals will be made to this account. Your first payment into the account must be made from your Nominated Bank Account. Subsequent payments into the account can be made by bank transfer from any UK bank account. They will only accept Nominated Bank accounts in your name or to which you are a joint party from financial institutions that hold a UK banking licence.

~~~~~~NLA 2/9/25 ~~~~~~Penrith Regular Saver 200 (Issue 2)
Interest rate: 5% gross p.a. variable (this interest rate first noted 30th November 2024)
Monthly payment: £0-£200 per calendar month
Miss any payments: Yes, miss as many as you wish
Penalty-free withdrawals: A maximum of two withdrawals per calendar year (January to December) are allowed. The account cannot be closed prior to maturity other than in the event of death.
Age of applicant: 16 and over
How to open account: Branch only
Length of account term: 2 years from date of opening
Maximum balance: None stated other than £250,000 across all Penrith BS accounts
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: Joint accounts are not permitted. The account cannot be closed prior to maturity other than in the event of death.

~~~~~~NLA 8/9/25 ~~~~~~Suffolk 1 Year Fixed Rate Regular Saver (30.09.2026) ~~~ Launched 21/7/25
Interest rate: 5% AER Fixed
Monthly payment: £10-£500 per calendar month
Miss any payments: Yes, as many as you like
Penalty-free withdrawals: None
Age of applicant: At least 16 years old
How to open account: Branch/post
Length of account term: Matures 30/9/2026
Maximum balance: None stated other than £500,000 across all Suffolk BS accounts
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: N/A

~~~~~~NLA 8/9/25 ~~~~~~Suffolk BS Online 1 Year Fixed Rate Regular Saver (30.09.2026) ~~~ Launched 21/7/25
Interest rate: 5% AER Fixed
Monthly payment: £10-£250 per calendar month
Miss any payments: Yes, as many as you like
Penalty-free withdrawals: None
Age of applicant: At least 16 years old
How to open account: Online
Length of account term: Matures 30/9/2026
Maximum balance: None stated other than £500,000 across all Suffolk BS accounts
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: N/A

~~~~~~NLA 18/9/25 ~~~~~~Monmouthshire BS Branch Exclusive Regular Saver - Issue 1 ~~~ Launched 21/8/25
Interest rate: 7% AER variable
Monthly payment: £0-£500 per calendar month
Miss any payments: Yes, miss as many as you like
Penalty-free withdrawals: Unlimited
Age of applicant: Aged 16 and over
How to open account: Branch/agency
Length of account term: 12 months from date of first deposit
Maximum balance: £6,000
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: You must be an existing Monmouthshire Building Society customer, before 20 August 2025, to open this account.

~~~~~~NLA 18/9/25 ~~~~~~Monmouthshire BS App Exclusive Regular Saver - Issue 1 ~~~ Launched 21/8/25
Interest rate: 7% AER variable
Monthly payment: £0-£1000 per calendar month
Miss any payments: Yes, miss as many as you like
Penalty-free withdrawals: Unlimited
Age of applicant: Aged 16 and over
How to open account: App
Length of account term: 12 months from date of first deposit
Maximum balance: £12,000
Deposits on non-working days: Treated as having been received the next working day.
Special conditions: You must be an existing Monmouthshire Building Society customer, before 20 August 2025, to open this account.

~~~~~~NLA 22/9/25 ~~~~~~Melton BS Regular Saver (Issue 5)
Interest rate: 5% gross p.a. variable on the first £5,999 then 2.5% on £6,000+ (this interest rate first noted on 31st July 2024)
Monthly payment: £0-£500 per calendar month
Miss any payments: Yes, as many as you wish
Penalty-free withdrawals: Yes, as many as you wish
Age of applicant: Not stated
Length of account term: No maturity date
Maximum balance: £500,000

How to open account: Branch or post
Deposits on non-working days: Treated as having been received the same day.
Special conditions: Withdrawals can be made to your nominated account by phone or by sending a secure message in online banking.

The following accounts have been and gone between 1/9/25 and 30/9/25:

~~~~~~NLA 26/9/25 ~~~~~~Beverley BS Regular Saver Issue 1 ~~~ Launched 22/9/25***
Interest rate: 5.5% AER variable (includes 4.5% bonus if conditions are met (see Special Conditions))
Monthly payment: £10-£150 per calendar month
Miss any payments: Yes, but bonus is forfeited for the full calendar year if payments are missed
Penalty-free withdrawals: Unlimited but bonus is forfeited for the full calendar year if withdrawals are made
Age of applicant:  No minimum age specified.
How to open account: Online
Length of account term: No stated end date
Maximum balance: N/A
Deposits on non-working days: Treated as having been received the next working day
Special conditions: *** First noted 24/9/25 Rate includes a bonus of 4.5% if you deposit between £10 and £150 each month and make no withdrawals in the calendar year. Account must remain open on 31st December in order to receive the bonus. If a reduction to the interest rate is announced you will have 30 days in which you can close or switch the account without notice or penalty.

Regular Saver Timeline Spreadsheet: 

On 2/9/25 to mark the 2 year anniversary of this thread being created I launched the Regular Saver Timeline Spreadsheet, this is updated at the end of each month and provides a visual representation of all of the regular savers that have appeared on the first page of the main regular savers thread since 1st January 2025.

This spreadsheet has now been updated to include September's changes so should be up to date as of 30/9/25.

Regular Saver Timeline Spreadsheet:

On 11/9/25 I added the regular saver snapshots to a read only spreadsheet.

masonic

DodgerPot said:

masonic said:

Needless to say, it would be unwise to email a scan of your passport or driving licence. 

Can I ask why ? I’ve done the same previously when opening bank accounts 

As above, but also it is a store-and-forward protocol, with no encryption at rest, copies may be available on intermediate servers on the way to Scottish BS.

So all in all it does put one at increased risk of identity theft.

It's possible this is a legacy form that is no longer used. I don't think it would be compliant with recent data protection legislation or regulatory requirements around securing personal information.

Aidanmc

DodgerPot said:

masonic said:

Needless to say, it would be unwise to email a scan of your passport or driving licence. 

Can I ask why ? I’ve done the same previously when opening bank accounts 

I have also done it.
Sent application form and photo of drivers licence to open Loughborough accounts

20122013

masonic said:

DodgerPot said:

masonic said:

Needless to say, it would be unwise to email a scan of your passport or driving licence. 

Can I ask why ? I’ve done the same previously when opening bank accounts 

As above, but also it is a store-and-forward protocol, with no encryption at rest, copies may be available on intermediate servers on the way to Scottish BS.

So all in all it does put one at increased risk of identity theft.

It's possible this is a legacy form that is no longer used. I don't think it would be compliant with recent data protection legislation or regulatory requirements around securing personal information.

If sending copy of passport via post, can a watermark be added to it? 

eddie7612

Haven't checked the Scottish BS ID list but usually banks accept an HMRC letter as ID - sending this and a bill or bank statement doesn't seem too valuable to post.

flaneurs_lobster

eddie7612 said:

Haven't checked the Scottish BS ID list but usually banks accept an HMRC letter as ID - sending this and a bill or bank statement doesn't seem too valuable to post.

Yep, Tax Notification letter dated within the current financial year.

masonic

20122013 said:

masonic said:

DodgerPot said:

masonic said:

Needless to say, it would be unwise to email a scan of your passport or driving licence. 

Can I ask why ? I’ve done the same previously when opening bank accounts 

As above, but also it is a store-and-forward protocol, with no encryption at rest, copies may be available on intermediate servers on the way to Scottish BS.

So all in all it does put one at increased risk of identity theft.

It's possible this is a legacy form that is no longer used. I don't think it would be compliant with recent data protection legislation or regulatory requirements around securing personal information.

If sending copy of passport via post, can a watermark be added to it? 

I don't know - you could ask them. I'd think it unlikely they'd accept a digitally altered image, but you never know. Sending by post is typically more secure than email.