The Top Regular Savers Discussion Thread

jameseonline

potlings said:

ThePirates said:

RosieRooBear said:

easyasonetwothree said:

Hattie627 said:

I have a Principality Christmas 2025 RS maturing on 24th October. I'm hoping to do a rollover to the 6 month RS (issue 4). I can't remember when the online maturity options menu normally appears, possibly 14 days before maturity (which would be tomorrow). Can anyone remember if it's 14 days or 7 days?

Though they might bring out another Christmas saver which could be worth considering.

No, you rollover the maturing one to a 6 month RS4 and you can open a Christmas saver separately if they do release one. 

That's how a lot of us now have 4+ RS4s 😉

Can you roll the entire balance of the maturing account into the 6 month RS4 or are you limited to the max monthly amount , which is £200?

You can only rollover £200 into the account 🤣, Principality aren't as generous as letting you rollover everything.

So if you've saved the max of £1500 for Xmas you'll have £1300 (+ interest on the £1500) to go somewhere (probably nominated account) & £200 in the rolled over account, the name of the account may change but the sort code etc won't.

jameseonline

TheQuaker said:

So I just opened a First direct current account and then a 7% Regular Saver. It made me setup a standing order starting today to the RS and it says it will be applied on this date every month. Can I cancel the standing order, so it goes in on the First of November and the first every month going forward or does it have to be like this?

Don't think so, basically First Direct you are tied in for a year, if desperate you can cancel the account but you get a pathetic rate of interest etc.

I can't commit to First Direct especially when there's other 7% accounts such as Monmouthshire & CO OP without restrictions

Dizzycap

PowerSavingMode said:

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...

Still nothing here and I hope things will move tomorrow. It's nice to hear that SBS RS are sorted for and passbooks on the way. If my cheque deson't clear tomorrow, I'll remove the funds from my bank & wait for the online version to appear, as you can't seemingly have both postal & online SBS RS's and I really do hate having to faff about with passbooks.

RosieRooBear

Scottish Building Society
Application forms & cheques for me & hubby posted last Friday am using handwritten freepost envelope have cleared this morning. 

dibbles212

Thank you all for your advice on opening multiple issue RS with Principality. I didn't realise this was possible! 

With how many other providers can you do this?

Cweb

Principality Maturity options for Xmas Saver now available for those taken out on first day - Regular Saver 4 is an option. Nothing else of interest as options instead.

Hattie627

Principality BS

Christmas 2025 RS maturity options available today (for MD of 24th October). 6 month RS Issue 4 one of the options when I chose Option 4 (withdraw cash and open new Regular Saver Bond). Instructed £200 to new 6mthRS and balance to nominated account, Instructions have been accepted.

jaypers

Hattie627 said:

Principality BS

Christmas 2025 RS maturity options available today (for MD of 24th October). 6 month RS Issue 4 one of the options when I chose Option 4 (withdraw cash and open new Regular Saver Bond). Instructed £200 to new 6mthRS and balance to nominated account, Instructions have been accepted.

Thanks….my options there too as also took out on day 1. Was hoping they would launch a new Christmas Bond so I’m still deciding whether to bend the rules with another 6 month RS.

Hattie627

jaypers said:

Hattie627 said:

Principality BS

Christmas 2025 RS maturity options available today (for MD of 24th October). 6 month RS Issue 4 one of the options when I chose Option 4 (withdraw cash and open new Regular Saver Bond). Instructed £200 to new 6mthRS and balance to nominated account, Instructions have been accepted.

Thanks….my options there too as also took out on day 1. Was hoping they would launch a new Christmas Bond so I’m still deciding whether to bend the rules with another 6 month RS.

You can open a Xmas 2026 Regular Saver as a new account (not a rollover) if and when it becomes available. Rate won't be as high as the 6 month RS (probably) and monthly payment likely only to be £150 (based on the 2025 Xmas one), although it will last a year

clairec666

It's possible that Principality will offer another Christmas account this year, and it might be available as a maturity option too, so you could potentially end up with two. Based on last year, it's likely to be a lower interest rate and lower deposit limit to the 6 month RS, but some people might prefer it as it lasts a year.

I vaguely recall being able to change your maturity choice nearer the time, but now I'm wondering if that was Skipton instead 

Mine doesn't mature until early November, so I will benefit from reading everyone else's experiences and will know whether it's option 2 or option 4 and whether I need to buy green pants.