The Top Regular Savers Discussion Thread

janusd

where_are_we said:

Aldemore RS maturing tomorrow. I believe the least costly way of keeping a "presence" and best interest rate is to open a new RS 3 @4.5% variable easy access with the minimum opening deposit of £25 and not funding anymore. All their other accounts require at least £100 minimum opening deposit.
I am wondering if it is time to "through in the towel" with Aldemore. So many other fish in the sea!

the simplest option, if you want to keep a foot in the door at Aldermore, is to do nothing for now and let the RS mature.

the account will mature into a special maturity EA account, in my case it was "Easy Access RS Issue 2" (back in January 2025) - my spreadsheet says that it's the same account as the RS, but the three letters of my surname were removed from the reference - if you look at the transactions in the matured account, it still shows the monthly deposits from the earlier RS (similar to Principality BS).

currently mine pays 3.15% - however, it has a minimum balance of just £1, so I let the RS mature into this account and then removed the entire balance, bar that £1, to my nominated account and have kept the matured account open with the £1 in... interest on this account can be paid monthly/annually to either the same account, another Aldermore account or to a nominated account.

the pdf link for their matured RS EA account is available here - from that, I suspect your interest rate will be 3.00%.

i'm sympathetic with @allegro120 position as it's not really competitive to put the min balance in an EA or RS account with them, and it would likely be easy to open a new account with them from scratch if the need arose - but personally, I can live with having £1 in there in case anything competitive becomes available in the future.

Bridlington1

kermchem said:

Bridlington1 said:

35har1old said:

Bridlington1 said:

Recent Additions:

Hanley Economic BS 1 Year Branch Smart Saver (TAR09) at 6.5% ~~~~~ Launched 20/9/25
Darlington BS 12 Month Regular Saver Issue 3 at 4.75% ~~~ Launched 17/10/25
Newcastle BS Monument Regular Saver at 5.5%~~~ Launched 16/10/25

Progressive BS Online Regular Rainy Day Saver Account (Issue 4) at 7% ~~~ Launched 6/10/25
Scottish BS Regular Saver at 6.5%~~~ Launched 1/10/25
Virgin Money Regular Saver Exclusive Issue 4 at 6.5%~~~ Launched 1/10/25
Chorley BS Regular Saver (30.09.2026) at 5.15%~~~ Launched 1/10/25
Chorley BS Regional 2 Year Flexible Saver (30.09.2027) at 5.15%~~~ Launched 1/10/25
Nottingham BS Branch Regular Saver Issue 5 at 4.75%~~~ Launched 1/10/25
Nottingham BS Online Regular Saver Issue 2 at 4.75%~~~ Launched 1/10/25
Leeds BS Regular Saver (Issue 69) at 4.7%~~~ Launched 1/10/25


Please see listings further down this page for full details. Please note the list above is partially emptied twice monthly on 15th and the final day of each month.

Has the monument account gone NLA

The online application page appears to've been pulled.

For now the account seems to be still available, details on the link below but has reverted to only being able to be opened in branch or via the QR code exclusively at their Monument branch:
https://newcastle.co.uk/savings/monument-regular-saver-branch

I'll update the first page with the new link and updated opening criteria.

I think there is a bit more to it (careful - I was unable to spot the subtle difference between the two web addresses last week), but it looks as though Newcastle Monument RS is now only available by making an appointment at the Monument branch. No mention even of a QR code.

Presumably the staff have noticed a massive surge in applications over the past few days.

There is mention of a QR code:





Regardless though they seem to've pulled the website with the online application link.

gt94sss2

allegro120 said:

DodgerPot said:

allegro120 said:

friolento said:

friolento said:

Scottish BS

I had nearly forgotten that I sent my application (using Freepost) on October 9. Today, my opening deposit cheque got cashed so it can’t be long until I get my passbook etc in the snail mail. Hoping it will all be much faster from here ….. 🤞

WOW!!

My passbook was in this morning’s post.  Cheque payment credited on the 10th - even though it was only cashed today 🙂

I am glad I sent off the postal application 

Not sure whether I have online access yet. I will try tonight when I get home 

Scottish BS
My passbook arrived today, cheque was cashed on 14th, credited on 9th.  

I didn't receive user ID, so no online access yet.

To get online access to my Scottish RS as a new customer I had to register for online banking on the Scottish BS website. (13/10) 

I had email confirmation that I had registered 
Informed that an activation code would arrive by post which it has done today (20/10) with my user ID and code 
I now have online access to operate the RS account. 

I didn't realise this, it's rather unusual procedure for obtaining user ID,  I thought they will just automatically send me one . I've done it now.

It's very common when setting up internet banking with a number of building societies - who all operate the same software platform.

gt94sss2

kermchem said:

Bridlington1 said:

35har1old said:

Bridlington1 said:

Recent Additions:

Hanley Economic BS 1 Year Branch Smart Saver (TAR09) at 6.5% ~~~~~ Launched 20/9/25
Darlington BS 12 Month Regular Saver Issue 3 at 4.75% ~~~ Launched 17/10/25
Newcastle BS Monument Regular Saver at 5.5%~~~ Launched 16/10/25

Progressive BS Online Regular Rainy Day Saver Account (Issue 4) at 7% ~~~ Launched 6/10/25
Scottish BS Regular Saver at 6.5%~~~ Launched 1/10/25
Virgin Money Regular Saver Exclusive Issue 4 at 6.5%~~~ Launched 1/10/25
Chorley BS Regular Saver (30.09.2026) at 5.15%~~~ Launched 1/10/25
Chorley BS Regional 2 Year Flexible Saver (30.09.2027) at 5.15%~~~ Launched 1/10/25
Nottingham BS Branch Regular Saver Issue 5 at 4.75%~~~ Launched 1/10/25
Nottingham BS Online Regular Saver Issue 2 at 4.75%~~~ Launched 1/10/25
Leeds BS Regular Saver (Issue 69) at 4.7%~~~ Launched 1/10/25


Please see listings further down this page for full details. Please note the list above is partially emptied twice monthly on 15th and the final day of each month.

Has the monument account gone NLA

The online application page appears to've been pulled.

For now the account seems to be still available, details on the link below but has reverted to only being able to be opened in branch or via the QR code exclusively at their Monument branch:
https://newcastle.co.uk/savings/monument-regular-saver-branch

I'll update the first page with the new link and updated opening criteria.

I think there is a bit more to it (careful - I was unable to spot the subtle difference between the two web addresses last week), but it looks as though Newcastle Monument RS is now only available by making an appointment at the Monument branch. No mention even of a QR code.

Presumably the staff have noticed a massive surge in applications over the past few days.

I suspect it's less to do with the number of applications but the increase in telephone calls asking about profiles etc

Born2Save_3

Newcastle BS Monument

Make hay; it's still available but likely not for long...

https://services.newcastle.co.uk/applications/apply?productId=MONRS1

clairec666

Bridlington1 said:

kermchem said:

Bridlington1 said:

35har1old said:

Bridlington1 said:

Recent Additions:

Hanley Economic BS 1 Year Branch Smart Saver (TAR09) at 6.5% ~~~~~ Launched 20/9/25
Darlington BS 12 Month Regular Saver Issue 3 at 4.75% ~~~ Launched 17/10/25
Newcastle BS Monument Regular Saver at 5.5%~~~ Launched 16/10/25

Progressive BS Online Regular Rainy Day Saver Account (Issue 4) at 7% ~~~ Launched 6/10/25
Scottish BS Regular Saver at 6.5%~~~ Launched 1/10/25
Virgin Money Regular Saver Exclusive Issue 4 at 6.5%~~~ Launched 1/10/25
Chorley BS Regular Saver (30.09.2026) at 5.15%~~~ Launched 1/10/25
Chorley BS Regional 2 Year Flexible Saver (30.09.2027) at 5.15%~~~ Launched 1/10/25
Nottingham BS Branch Regular Saver Issue 5 at 4.75%~~~ Launched 1/10/25
Nottingham BS Online Regular Saver Issue 2 at 4.75%~~~ Launched 1/10/25
Leeds BS Regular Saver (Issue 69) at 4.7%~~~ Launched 1/10/25


Please see listings further down this page for full details. Please note the list above is partially emptied twice monthly on 15th and the final day of each month.

Has the monument account gone NLA

The online application page appears to've been pulled.

For now the account seems to be still available, details on the link below but has reverted to only being able to be opened in branch or via the QR code exclusively at their Monument branch:
https://newcastle.co.uk/savings/monument-regular-saver-branch

I'll update the first page with the new link and updated opening criteria.

I think there is a bit more to it (careful - I was unable to spot the subtle difference between the two web addresses last week), but it looks as though Newcastle Monument RS is now only available by making an appointment at the Monument branch. No mention even of a QR code.

Presumably the staff have noticed a massive surge in applications over the past few days.

There is mention of a QR code:





Regardless though they seem to've pulled the website with the online application link.

Possible that a) they've stopped online applications, or b) the QR code points to a different address, because they're aware that the original one was circulating online.

Whichever way, Newcastle intended for this to be a branch-opened account, and are well within their rights to try to enforce this.

allegro120

gt94sss2 said:

allegro120 said:

DodgerPot said:

allegro120 said:

friolento said:

friolento said:

Scottish BS

I had nearly forgotten that I sent my application (using Freepost) on October 9. Today, my opening deposit cheque got cashed so it can’t be long until I get my passbook etc in the snail mail. Hoping it will all be much faster from here ….. 🤞

WOW!!

My passbook was in this morning’s post.  Cheque payment credited on the 10th - even though it was only cashed today 🙂

I am glad I sent off the postal application 

Not sure whether I have online access yet. I will try tonight when I get home 

Scottish BS
My passbook arrived today, cheque was cashed on 14th, credited on 9th.  

I didn't receive user ID, so no online access yet.

To get online access to my Scottish RS as a new customer I had to register for online banking on the Scottish BS website. (13/10) 

I had email confirmation that I had registered 
Informed that an activation code would arrive by post which it has done today (20/10) with my user ID and code 
I now have online access to operate the RS account. 

I didn't realise this, it's rather unusual procedure for obtaining user ID,  I thought they will just automatically send me one . I've done it now.

It's very common when setting up internet banking with a number of building societies - who all operate the same software platform.

I normally get user ID first, can't recall being asked to register in order to obtain user ID. 

flaneurs_lobster

allegro120 said:

I normally get user ID first, can't recall being asked to register in order to obtain user ID. 

It's a branch/post passbook product. Some customers don't want/need online access, why would they supply a User ID if it's not needed?

Ps3725

Born2Save_3 said:

Newcastle BS Monument

Make hay; it's still available but likely not for long...

https://services.newcastle.co.uk/applications/apply?productId=MONRS1

Opened and funded 10.00 am. 😊

ordnancesurvey84

Hanley have now released TAR10 which is the online version of their Smart Saver - all easily opened through online banking and account now showing in the app.

It's £300/month for 12 months at 6.5% AER variable - maximum balance of £3,600 - the account allows two penalty-free withdrawals per tax year, otherwise withdrawals allowed but with a loss of interest.

https://www.thehanley.co.uk/savings/products/1-year-online-smart-saver-tar10