The Top Regular Savers Discussion Thread

londoner62

Born2Save_3 said:

YBS First Home eSaver 4.7%A, £500 a month, 2 years

Does anyone know if YBS do any checks on being a first home buyer ?  Or any other non-compliance ?

In the product details there is the following sentence :

'If you're not saving for your first home, we can transfer your money to an online easy access savings account.'

which I take to be a possible severe consequence should anyone not comply. 

They did not appear to do so for me.

flaneurs_lobster

Zekko said:

I’ve opened a Progressive rainy day saver, and as part of the opening process I funded the account via debit card transfer, or so I thought. This was at 10am this morning and the funds still haven’t transferred in. 

I guess I’ll wait until tomorrow and follow up.

Not specific to Progressive but debit card deposits will generally take 2 or 3 working days to credit an account.

allegro120

nottsphil said:

Aidanmc said:

Nationwide RS
Might need to free up some funds by end of month, my Nationwide RS is due to mature next month so i was going to refresh it.
Is it usually the day after closure request that a new RS can be opened?

Not for me it wasn't. Mine had already been converted to an Instant Access Saver 10 when I got this

I had this on the day the account was converted, but was able to open the new one next day.

innocentlove

Scottish Building Society: Managing your savings account

Paying money into your savings account

You can make deposits into your savings account in any of our Relationship Centres by cash or cheque, by post (cheques only), by electronic transfer from your nominated UK bank account . You can also pay money in using an eligible debit card. Please note debit card payments are capped at £1,000.

Can anyone shed light on what is "an eligible debit card" mean please? Thanks.

allegro120

innocentlove said:

Scottish Building Society: Managing your savings account

Paying money into your savings account

You can make deposits into your savings account in any of our Relationship Centres by cash or cheque, by post (cheques only), by electronic transfer from your nominated UK bank account . You can also pay money in using an eligible debit card. Please note debit card payments are capped at £1,000.

Can anyone shed light on what is "an eligible debit card" mean please? Thanks.

I think it means a debit card that has your name on it and the card is not expired.

Chaykin

Principality BS

I decided to record step-by-step what I always done with renewing accounts. Never had a rejection yet (5x successful renewals so far with this one pending) and I always done the same. Never had an automated sent message created as well. This was all done at around 6:00 PM on Monday 13/10/2025 using a laptop.

1. https://drive.google.com/file/d/1vp_I80WjmRvi-KYtX1SAk9RytcZ8rfX5/view - click on "Your maturity options".

2. https://drive.google.com/file/d/1ArpRVtJZLoy2HJiBg0iW9TnO3Bns9U0J/view - select option 2.

3. https://drive.google.com/file/d/1S31k9AsxFeRUKIRCx246hAbA0jLvGF-b/view - select 6 Month Regular Saver and enter £200.00.

4. https://drive.google.com/file/d/1bhQP7BCfpszak6WKZPm2AnFFzPKou6xz/view - I actually click on "View Summary Box" before clicking "Continue".

5. https://drive.google.com/file/d/1aQ7hHBXZr_TTpebp0mlJBE-bpjyqPJCP/view - tick everything and "Continue".

6. https://drive.google.com/file/d/14_lbhRWeJZL-KS_1G1FCcjunP0PgzfHs/view - select "By electronic transfer" and enter details of my external account. Leave "Reference" empty.

7. https://drive.google.com/file/d/1DIB28dSz8DYDUUKOKDSCeWxlx8EOPntD/view - confirmation of payee details match.

8. https://drive.google.com/file/d/1uP9jsX9rbqUDj7i4xA_UVQiX68b7oHQC/view - confirmation of details.

9. https://drive.google.com/file/d/1VDQbn7uGRr6bwhkXgskTTTmED4u16nB8/view - confirmation of submitted instruction.

10. https://drive.google.com/file/d/1_7xk9E43R26MAUmi_joi6hWhuY9Zfhxc/view - account now shows confirmed maturity instructions.

As mentioned - this approach is yet to fail me but, obviously, your experience may vary. Was not wearing a green shirt.

clairec666

Chaykin said:

Principality BS

I decided to record step-by-step what I always done with renewing accounts. Never had a rejection yet (5x successful renewals so far with this one pending) and I always done the same. Never had an automated sent message created as well. This was all done at around 6:00 PM on Monday 13/10/2025 using a laptop.

1. https://drive.google.com/file/d/1vp_I80WjmRvi-KYtX1SAk9RytcZ8rfX5/view - click on "Your maturity options".

2. https://drive.google.com/file/d/1ArpRVtJZLoy2HJiBg0iW9TnO3Bns9U0J/view - select option 2.

3. https://drive.google.com/file/d/1S31k9AsxFeRUKIRCx246hAbA0jLvGF-b/view - select 6 Month Regular Saver and enter £200.00.

4. https://drive.google.com/file/d/1bhQP7BCfpszak6WKZPm2AnFFzPKou6xz/view - I actually click on "View Summary Box" before clicking "Continue".

5. https://drive.google.com/file/d/1aQ7hHBXZr_TTpebp0mlJBE-bpjyqPJCP/view - tick everything and "Continue".

6. https://drive.google.com/file/d/14_lbhRWeJZL-KS_1G1FCcjunP0PgzfHs/view - select "By electronic transfer" and enter details of my external account. Leave "Reference" empty.

7. https://drive.google.com/file/d/1DIB28dSz8DYDUUKOKDSCeWxlx8EOPntD/view - confirmation of payee details match.

8. https://drive.google.com/file/d/1uP9jsX9rbqUDj7i4xA_UVQiX68b7oHQC/view - confirmation of details.

9. https://drive.google.com/file/d/1VDQbn7uGRr6bwhkXgskTTTmED4u16nB8/view - confirmation of submitted instruction.

10. https://drive.google.com/file/d/1_7xk9E43R26MAUmi_joi6hWhuY9Zfhxc/view - account now shows confirmed maturity instructions.

As mentioned - this approach is yet to fail me but, obviously, your experience may vary. Was not wearing a green shirt.

... and picture 1. answers anyone's questions about 13th payments

Having a quick trawl through this thread, I see people mentioning that they've picked option 2 but been refused. And others who picked option 4 and were successful. So maybe we'll never get to the bottom of it, and just have to accept whatever fate befalls us.

Bridlington1

Updates to the Archived Thread:

Since the Archived thread was launched just over 2 years ago I have been continually adding new regular saver Ts&Cs to it as and when they've been launched. This list has grown considerably since its launch, having more than doubled from under 200 at the time of launch to approximately 400 at the time of typing this.

The volume of data presents a few difficulties, firstly the fact that as the number of accounts grows it inevitably becomes harder to find the one you want in amongst it all. Secondly there is a limit to the number of characters I can have in a single post, this has meant that I've had to split the list over an increasing number of posts and if things continued as they were I would be in danger of running out of room on page 1 of the archived thread within the next year or two.

To counteract this I have reviewed each of the regular savers listed on the Archived thread and divided them into two groups:
1. Holdable regular savers- this includes all currently available regular savers, and all NLA regular savers in which the maturity dates of the final account to be opened is still in the future.
2. Entirely NLA regular savers- Accounts which went NLA rather a long time ago and all accounts should've now matured

Only holdable regular savers are to be listed on page 1 of the archived thread. The Entirely NLA regular savers have now been migrated to a new spreadsheet, the Regular Saver Archives spreadsheet, available via the view only link in this paragraph.

Every so often I plan to review the regular savers on the main list and move any new entirely NLA regular savers to the spreadsheet.

Born2Save_3

londoner62 said:

Born2Save_3 said:

YBS First Home eSaver 4.7%A, £500 a month, 2 years

Does anyone know if YBS do any checks on being a first home buyer ?  Or any other non-compliance ?

In the product details there is the following sentence :

'If you're not saving for your first home, we can transfer your money to an online easy access savings account.'

which I take to be a possible severe consequence should anyone not comply. 

They did not appear to do so for me.

Thank you for your reply.

I'll look into this one now. Hopefully, if challenged, it will be early in the term and I could use arguments like 'saving for my first home in Wales' or '...independent of my wife'. The rate offered is nothing special and right at my lower limit.

clairec666

The brief initial discussion about the Edge saver wasn't too much of a problem, it was the bickering that followed. Anyway, draw a line under it and get back on topic.

Just made a first deposit into the Manchester regular saver, and got a text about an hour later saying they'd received my deposit. Nice touch - saves me from obsessively checking my account so often. So thumbs up for Manchester.

I haven't seen mention of the Scottish Building Society regular saver being made available online yet. To me the hassle of a postal application wasn't worth it, but if I can apply online it'll be worth having. Not having had experience with Scottish before (hadn't even heard of them to be honest) I've no clue as to how long this account will be available for. As with other smaller providers, they might only offer it for a short time then close it when they've got enough funds, and as it's ranked pretty highly on moneyfactscompare they might get more applications than expected.

Anyway, I'm in no rush to open it, as I'd have to siphon off some funds from elsewhere, but once it's available I suspect it might be a case of "grab it before it disappears".