The Top Regular Savers Discussion Thread

ChewyyBacca

Suffolk BS Reg Saver Online 1 Year Variable Rate Regular Saver (31.03.2026)

Since they reduced rate to 4.6%, I sent a msg to close the account on 1 Oct
On 2 Oct, acct disappeared from Online system
Proceeds received on 7 Oct. 
Im told from 1 Oct to 2 Oct, the balance earned 1.85%. Im assuming the outstanding balance didnt earn anything from 2 Oct to 6 Oct.

Is this as per their Ts&Cs?

The rate chaser in me is peeved that I lost interest for 6 days.Anyone has those handy excel sheets to input numbers so that I see how much I should have received?

cheekyweegit

Kim_13 said:

s71hj said:

Interested in people's thoughts. Based on something I read on here I'm thinking of opening Principality RS accounts 1 Yr bond at 4.85%and 1 Yr triple access at 4.95%. Both below my normal threshold but idea was to fund at £1 and hopefully be able to gain something profitable as a maturity option, given that Principality seem to have loopholes in their maturity policy. Is there anything wrong with this strategy? 

1 Year Triple Access did not have any maturity options when 2024's early accounts matured this year (April I believe.) Has anyone had one maturing with options since?

Mine is due to mature 02.11.2025 so bit early for maturity instructions if you indeed get any.  This is my first Triple access so I'll see what happens.

My Christmas Regular Saver matures 25.10.25 so might get something in next day or two for that.

I also have a 6 month Regular Saver Issue 3 maturing on 01.11.25 so still a bit early

Then next is another 6 month Regular Saver Issue 3 on 10.12.25 and I'm going to try and sneak an extra payment in for the 10 days until it matures.

I'm hoping to try and get another couple of Issue 4 6 month savers, currently have 2 x issue 3 and 2 x issue 4.  Any more via maturity is a bonus and my other two 6 month Issue 4 regular savers don't mature until February & March next year.

DealSeeker11

Kim_13 said:

s71hj said:

Interested in people's thoughts. Based on something I read on here I'm thinking of opening Principality RS accounts 1 Yr bond at 4.85%and 1 Yr triple access at 4.95%. Both below my normal threshold but idea was to fund at £1 and hopefully be able to gain something profitable as a maturity option, given that Principality seem to have loopholes in their maturity policy. Is there anything wrong with this strategy? 

1 Year Triple Access did not have any maturity options when 2024's early accounts matured this year (April I believe.) Has anyone had one maturing with options since?

Based on my experience I'm quite sure 1-yr Triple Access maturity does not lead to 6-mo RS option, 1-Yr Bond does. 

dibbles212

cheekyweegit said:

Kim_13 said:

s71hj said:

Interested in people's thoughts. Based on something I read on here I'm thinking of opening Principality RS accounts 1 Yr bond at 4.85%and 1 Yr triple access at 4.95%. Both below my normal threshold but idea was to fund at £1 and hopefully be able to gain something profitable as a maturity option, given that Principality seem to have loopholes in their maturity policy. Is there anything wrong with this strategy? 

1 Year Triple Access did not have any maturity options when 2024's early accounts matured this year (April I believe.) Has anyone had one maturing with options since?

Mine is due to mature 02.11.2025 so bit early for maturity instructions if you indeed get any.  This is my first Triple access so I'll see what happens.

My Christmas Regular Saver matures 25.10.25 so might get something in next day or two for that.

I also have a 6 month Regular Saver Issue 3 maturing on 01.11.25 so still a bit early

Then next is another 6 month Regular Saver Issue 3 on 10.12.25 and I'm going to try and sneak an extra payment in for the 10 days until it matures.

I'm hoping to try and get another couple of Issue 4 6 month savers, currently have 2 x issue 3 and 2 x issue 4.  Any more via maturity is a bonus and my other two 6 month Issue 4 regular savers don't mature until February & March next year.

Could someone please explain how to get multiple accounts of the same issue? 👀

soulsaver

dibbles212 said:

cheekyweegit said:

Kim_13 said:

s71hj said:

Interested in people's thoughts. Based on something I read on here I'm thinking of opening Principality RS accounts 1 Yr bond at 4.85%and 1 Yr triple access at 4.95%. Both below my normal threshold but idea was to fund at £1 and hopefully be able to gain something profitable as a maturity option, given that Principality seem to have loopholes in their maturity policy. Is there anything wrong with this strategy? 

1 Year Triple Access did not have any maturity options when 2024's early accounts matured this year (April I believe.) Has anyone had one maturing with options since?

Mine is due to mature 02.11.2025 so bit early for maturity instructions if you indeed get any.  This is my first Triple access so I'll see what happens.

My Christmas Regular Saver matures 25.10.25 so might get something in next day or two for that.

I also have a 6 month Regular Saver Issue 3 maturing on 01.11.25 so still a bit early

Then next is another 6 month Regular Saver Issue 3 on 10.12.25 and I'm going to try and sneak an extra payment in for the 10 days until it matures.

I'm hoping to try and get another couple of Issue 4 6 month savers, currently have 2 x issue 3 and 2 x issue 4.  Any more via maturity is a bonus and my other two 6 month Issue 4 regular savers don't mature until February & March next year.

Could someone please explain how to get multiple accounts of the same issue? 👀

What do you want to make those eyes at me for... When they don't mean..

Principality? When offered as a maturity option.

allegro120

dibbles212 said:

cheekyweegit said:

Kim_13 said:

s71hj said:

Interested in people's thoughts. Based on something I read on here I'm thinking of opening Principality RS accounts 1 Yr bond at 4.85%and 1 Yr triple access at 4.95%. Both below my normal threshold but idea was to fund at £1 and hopefully be able to gain something profitable as a maturity option, given that Principality seem to have loopholes in their maturity policy. Is there anything wrong with this strategy? 

1 Year Triple Access did not have any maturity options when 2024's early accounts matured this year (April I believe.) Has anyone had one maturing with options since?

Mine is due to mature 02.11.2025 so bit early for maturity instructions if you indeed get any.  This is my first Triple access so I'll see what happens.

My Christmas Regular Saver matures 25.10.25 so might get something in next day or two for that.

I also have a 6 month Regular Saver Issue 3 maturing on 01.11.25 so still a bit early

Then next is another 6 month Regular Saver Issue 3 on 10.12.25 and I'm going to try and sneak an extra payment in for the 10 days until it matures.

I'm hoping to try and get another couple of Issue 4 6 month savers, currently have 2 x issue 3 and 2 x issue 4.  Any more via maturity is a bonus and my other two 6 month Issue 4 regular savers don't mature until February & March next year.

Could someone please explain how to get multiple accounts of the same issue? 👀

You need to wait until your existing Principality RS is close to maturity.  14 days before maturity you should get maturity options, this will be displayed next to your account.  Choose 6 month saver from the list.  I currently have 5 of them,  3 x iss3 and 2 x iss4.

PowerSavingMode

BestSeagull said:

BestSeagull said:

qsk said:

Scottish building society. Has anyone who used the freepost address (not envelop) to post your RS application heard anything back? I posted last Friday - haven't heard a thing yet.

I did use the envelope but posted at the same time as you did and have heard nothing yet so hopefully we're in the same pile together.

My cheque has cleared, dated today. 

Scottish Building Society

As did mine. I should think the shiny passbook and account details will follow in the post...

clairec666

dibbles212 said:

cheekyweegit said:

Kim_13 said:

s71hj said:

Interested in people's thoughts. Based on something I read on here I'm thinking of opening Principality RS accounts 1 Yr bond at 4.85%and 1 Yr triple access at 4.95%. Both below my normal threshold but idea was to fund at £1 and hopefully be able to gain something profitable as a maturity option, given that Principality seem to have loopholes in their maturity policy. Is there anything wrong with this strategy? 

1 Year Triple Access did not have any maturity options when 2024's early accounts matured this year (April I believe.) Has anyone had one maturing with options since?

Mine is due to mature 02.11.2025 so bit early for maturity instructions if you indeed get any.  This is my first Triple access so I'll see what happens.

My Christmas Regular Saver matures 25.10.25 so might get something in next day or two for that.

I also have a 6 month Regular Saver Issue 3 maturing on 01.11.25 so still a bit early

Then next is another 6 month Regular Saver Issue 3 on 10.12.25 and I'm going to try and sneak an extra payment in for the 10 days until it matures.

I'm hoping to try and get another couple of Issue 4 6 month savers, currently have 2 x issue 3 and 2 x issue 4.  Any more via maturity is a bonus and my other two 6 month Issue 4 regular savers don't mature until February & March next year.

Could someone please explain how to get multiple accounts of the same issue? 👀

Principality's T&Cs state that you can only have one of each issue. The current issue is issue 4, so if you've only got an issue 3, you can open one. Simple. When issue 3 matures, you'll be offered maturity options, one of which is to open a new regular saver with some of your matured funds, withdrawing the rest. If you select this option, you could get a new issue 4, alongside your existing one, because Principality's system doesn't automatically pick up the fact that you should be ineligible. Sometimes it doesn't work, but that's a story for another day.

Rinse and repeat. When your two issue 4s reach maturity, you may have already been able to open an issue 5 manually, so could end up with 3 altogether. And so on.

Stargunner

ChewyyBacca said:

Suffolk BS Reg Saver Online 1 Year Variable Rate Regular Saver (31.03.2026)

Since they reduced rate to 4.6%, I sent a msg to close the account on 1 Oct
On 2 Oct, acct disappeared from Online system
Proceeds received on 7 Oct. 
Im told from 1 Oct to 2 Oct, the balance earned 1.85%. Im assuming the outstanding balance didnt earn anything from 2 Oct to 6 Oct.

Is this as per their Ts&Cs?

The rate chaser in me is peeved that I lost interest for 6 days.Anyone has those handy excel sheets to input numbers so that I see how much I should have received?

I don’t know what your balance was, but as an example, if it was £3000, then you have only lost out on approx 15p per day on a interest rate of 1.85%, so you don’t need to be too peeved.

granta

Melton BS - new login

I saw some posts earlier about having to set up a new login for Melton BS. I haven't received any emails outlining the process/new user ID etc. Do I need to wait for a notification first? If not, can someone please summarise the best process to follow?