The Top Regular Savers Discussion Thread

Hattie627

Bridlington1 said:

Hattie627 said:

jameseonline said:

I wonder when Principality will launch issue 5 of their 6 month?😏🤔

Surely the Christmas 2026 RS will launch soon, before a new 6 month issue?

Edited to add@ the Xmas 2025 RS launched on 24/10/24 so might be due in a couple of weeks. It's like waiting for your bus to come along except there's no tracker app

They might do one, they might not do one though.

In 2022 they did a Christmas RS at 5%, in 2023 they didn't bother though and instead offered a Maturity Winter RS at 6.25% for maturing accounts, 2024 they did a Christmas RS at 7%.

This year I haven't the faintest idea, and most likely nor will Principality BS staff till the day of launch if it is launched.

The top brass at Principality will be holding secret meetings on this topic this week, I bet. What a thrill it must be for them deciding if they will toss a Xmas bone to us poor serfs. They'll need to get a move on if literature is to be clandestinely written and systems secretly set up for a launch before end of the month.

SFCooper

flaneurs_lobster said:

SFCooper said:

I’ve opened the Lloyds RS @ 6.25% and maxed deposits each month. I’ve got another £200 available to save - can anyone suggest the next best option?

I believe I may have seen mention somewhere of something called the Principality Building Society 6 Month Regular Saver (Issue 4) ......

That lasts only 6 months?

s71hj

Hattie627 said:

jameseonline said:

I wonder when Principality will launch issue 5 of their 6 month?😏🤔

Surely the Christmas 2026 RS will launch soon, before a new 6 month issue?

Edited to add@ the Xmas 2025 RS launched on 24/10/24 so might be due in a couple of weeks. It's like waiting for your bus to come along except there's no tracker app

Bit like trying to catch a bus in Norfolk! 

trickydicky14

flaneurs_lobster said:

SFCooper said:

I’ve opened the Lloyds RS @ 6.25% and maxed deposits each month. I’ve got another £200 available to save - can anyone suggest the next best option?

I believe I may have seen mention somewhere of something called the Principality Building Society 6 Month Regular Saver (Issue 4) ......

You don't say, I would have missed that one.

flaneurs_lobster

SFCooper said:

flaneurs_lobster said:

SFCooper said:

I’ve opened the Lloyds RS @ 6.25% and maxed deposits each month. I’ve got another £200 available to save - can anyone suggest the next best option?

I believe I may have seen mention somewhere of something called the Principality Building Society 6 Month Regular Saver (Issue 4) ......

That lasts only 6 months?

Given the name that would be my best guess. You have other requirements?

s71hj

Bridlington1 said:

Hattie627 said:

jameseonline said:

I wonder when Principality will launch issue 5 of their 6 month?😏🤔

Surely the Christmas 2026 RS will launch soon, before a new 6 month issue?

Edited to add@ the Xmas 2025 RS launched on 24/10/24 so might be due in a couple of weeks. It's like waiting for your bus to come along except there's no tracker app

They might do one, they might not do one though.

In 2022 they did a Christmas RS at 5%, in 2023 they didn't bother though and instead offered a Maturity Winter RS at 6.25% for maturing accounts, 2024 they did a Christmas RS at 7%.

This year I haven't the faintest idea, and most likely nor will Principality BS staff till the day of launch if it is launched.

You're like a Statto for regular savers (that's meant as a compliment by the way) 

clairec666

SFCooper said:

Bridlington1 said:

SFCooper said:

I’ve opened the Lloyds RS @ 6.25% and maxed deposits each month. I’ve got another £200 available to save - can anyone suggest the next best option?

I'd need a bit more information before I can answer that. Which other regular savers have you got at present?

Thanks for getting back to me.

The only other RS is the Lloyds one. I have also maxed out my Cash LISA and Cash ISA.

I hold First Direct, Santander and Lloyds current accounts.

Since you've already got their current accounts, Santander and First Direct also have regular savers, 5% and 7% respectively, both fixed, no withdrawals.

If you don't mind opening another current account elsewhere (you don't even have to use it), there's Nationwide, Cooperative, Virgin, to name a few of the higher rate ones. (EDIT: and Zopa, if you don't mind app-only accounts)

And Principality you don't even have to have an account with them, you can just jump straight in to regular saver land.

Bridlington1

s71hj said:

Bridlington1 said:

Hattie627 said:

jameseonline said:

I wonder when Principality will launch issue 5 of their 6 month?😏🤔

Surely the Christmas 2026 RS will launch soon, before a new 6 month issue?

Edited to add@ the Xmas 2025 RS launched on 24/10/24 so might be due in a couple of weeks. It's like waiting for your bus to come along except there's no tracker app

They might do one, they might not do one though.

In 2022 they did a Christmas RS at 5%, in 2023 they didn't bother though and instead offered a Maturity Winter RS at 6.25% for maturing accounts, 2024 they did a Christmas RS at 7%.

This year I haven't the faintest idea, and most likely nor will Principality BS staff till the day of launch if it is launched.

You're like a Statto for regular savers (that's meant as a compliment by the way) 

Well we all need a hobby. If I ever end up on mastermind I'll probably make regular savers my specialist subject.

As a slight aside some may be worried to learn I'm planning to launch yet another spreadsheet.

RosieRooBear

Bridlington1 said:

s71hj said:

Bridlington1 said:

Hattie627 said:

jameseonline said:

I wonder when Principality will launch issue 5 of their 6 month?😏🤔

Surely the Christmas 2026 RS will launch soon, before a new 6 month issue?

Edited to add@ the Xmas 2025 RS launched on 24/10/24 so might be due in a couple of weeks. It's like waiting for your bus to come along except there's no tracker app

They might do one, they might not do one though.

In 2022 they did a Christmas RS at 5%, in 2023 they didn't bother though and instead offered a Maturity Winter RS at 6.25% for maturing accounts, 2024 they did a Christmas RS at 7%.

This year I haven't the faintest idea, and most likely nor will Principality BS staff till the day of launch if it is launched.

You're like a Statto for regular savers (that's meant as a compliment by the way) 

Well we all need a hobby. If I ever end up on mastermind I'll probably make regular savers my specialist subject.

As a slight aside some may be worried to learn I'm planning to launch yet another spreadsheet.

@Bridlington1, launch away, I’m excited to see it 👏 don’t keep us in suspense too long 

allegro120

clairec666 said:

SFCooper said:

Bridlington1 said:

SFCooper said:

I’ve opened the Lloyds RS @ 6.25% and maxed deposits each month. I’ve got another £200 available to save - can anyone suggest the next best option?

I'd need a bit more information before I can answer that. Which other regular savers have you got at present?

Thanks for getting back to me.

The only other RS is the Lloyds one. I have also maxed out my Cash LISA and Cash ISA.

I hold First Direct, Santander and Lloyds current accounts.

Since you've already got their current accounts, Santander and First Direct also have regular savers, 5% and 7% respectively, both fixed, no withdrawals.

If you don't mind opening another current account elsewhere (you don't even have to use it), there's Nationwide, Cooperative, Virgin, to name a few of the higher rate ones. (EDIT: and Zopa, if you don't mind app-only accounts)

And Principality you don't even have to have an account with them, you can just jump straight in to regular saver land.

You can withdraw from Santander, no restrictions, but the rate is only 5%.

You can't withdraw from First Direct, but you can close the account early if you are happy to loose most of interest.  Not recommended if you might need to withdraw in the next 12 months.