The Top Regular Savers Discussion Thread

20122013

@ Bridlington1

For the: 

'Newcastle BS Monument Regular Saver ~~~ Launched 16/10/25
Interest rate: 5.5% AER Variable

https://forums.moneysavingexpert.com/discussion/comment/81694108/#Comment_81694108

The link https://newcastle.co.uk/savings/monument-regular-saver   gives an error, maybe the product is no longer available?

'404 error

Sorry, we can’t find the page you were looking for. 

If you were looking for a product we may have removed it.

View our current savings accounts, new customer mortgages or existing customer mortgages.  

Visit the homepage.'

Bridlington1

20122013 said:

@ Bridlington1

For the: 

'Newcastle BS Monument Regular Saver ~~~ Launched 16/10/25
Interest rate: 5.5% AER Variable

https://forums.moneysavingexpert.com/discussion/comment/81694108/#Comment_81694108

The link https://newcastle.co.uk/savings/monument-regular-saver   gives an error, maybe the product is no longer available?

'404 error

Sorry, we can’t find the page you were looking for. 

If you were looking for a product we may have removed it.

View our current savings accounts, new customer mortgages or existing customer mortgages.  

Visit the homepage.'

Link got corrected on p1 of this thread a couple of days back but I seem to've missed out the listing on the archived thread (now corrected). Working link is below:
Newcastle BS Monument Regular Saver 

Hattie627

Bridlington1 said:

Principality BS Christmas 2026 Regular Saver 6.5%

As with last time, £150/mth max.
No withdrawals but early closure permitted without penalty
£1.8k max balance
Need to be 16+ to open

It will be good if it's indeed £150 per month max. The Xmas Saver 2025 was only £125 per month.
Expect it to be a fixed rate hopefully, if following the 2025 account (which was 7% fixed).

trickydicky14

Hattie627 said:

Bridlington1 said:

Principality BS Christmas 2026 Regular Saver 6.5%

As with last time, £150/mth max.
No withdrawals but early closure permitted without penalty
£1.8k max balance
Need to be 16+ to open

It will be good if it's indeed £150 per month max. The Xmas Saver 2025 was only £125 per month.
Expect it to be a fixed rate hopefully, if following the 2025 account (which was 7% fixed).

Yes £150 is better than £125 but the interest rate will be less. Anyway, I managed to put a 13th payment into the previous Christmas RS without any issues so that helps a bit.

subjecttocontract

trickydicky14 said:

Hattie627 said:

Bridlington1 said:

Principality BS Christmas 2026 Regular Saver 6.5%

As with last time, £150/mth max.
No withdrawals but early closure permitted without penalty
£1.8k max balance
Need to be 16+ to open

It will be good if it's indeed £150 per month max. The Xmas Saver 2025 was only £125 per month.
Expect it to be a fixed rate hopefully, if following the 2025 account (which was 7% fixed).

Yes £150 is better than £125 but the interest rate will be less. Anyway, I managed to put a 13th payment into the previous Christmas RS without any issues so that helps a bit.

According to the MSE interest calculator:-
£125 pcm @ 7%  =  £56
£150 pcm @ 6.5% = £63

Hattie627

subjecttocontract said:

trickydicky14 said:

Hattie627 said:

Bridlington1 said:

Principality BS Christmas 2026 Regular Saver 6.5%

As with last time, £150/mth max.
No withdrawals but early closure permitted without penalty
£1.8k max balance
Need to be 16+ to open

It will be good if it's indeed £150 per month max. The Xmas Saver 2025 was only £125 per month.
Expect it to be a fixed rate hopefully, if following the 2025 account (which was 7% fixed).

Yes £150 is better than £125 but the interest rate will be less. Anyway, I managed to put a 13th payment into the previous Christmas RS without any issues so that helps a bit.

According to the MSE interest calculator:-
£125 pcm @ 7%  =  £56
£150 pcm @ 6.5% = £63

Yeah, but what about the £25 pcm that would be earning 4% interest in an EA account in the first scenario (sorry, couldn't resist pointing out, I'll get my coat)

checkly

At least it will be easier to apply for the Principality than the Hanley!  Given up with the latter!

clairec666

Principality: I've delayed submitting my maturity instructions for last year's Christmas account, in case this year's one is offered as a maturity option. We got into a good healthy debate a few pages back about whether a higher rate for 6 months was better than a lower rate for 12 months.

I might tinker around with a spreadsheet to see which one is the better option.

(To be honest, it's just an excuse to tinker around with a spreadsheet!)

kermchem

clairec666 said:

Principality: I've delayed submitting my maturity instructions for last year's Christmas account, in case this year's one is offered as a maturity option. We got into a good healthy debate a few pages back about whether a higher rate for 6 months was better than a lower rate for 12 months.

I might tinker around with a spreadsheet to see which one is the better option.

(To be honest, it's just an excuse to tinker around with a spreadsheet!)

You can mature last year’s Christmas saver into a new issue 4 6 month bond, send the residue to an external account, and open a new Christmas saver

trickydicky14

subjecttocontract said:

trickydicky14 said:

Hattie627 said:

Bridlington1 said:

Principality BS Christmas 2026 Regular Saver 6.5%

As with last time, £150/mth max.
No withdrawals but early closure permitted without penalty
£1.8k max balance
Need to be 16+ to open

It will be good if it's indeed £150 per month max. The Xmas Saver 2025 was only £125 per month.
Expect it to be a fixed rate hopefully, if following the 2025 account (which was 7% fixed).

Yes £150 is better than £125 but the interest rate will be less. Anyway, I managed to put a 13th payment into the previous Christmas RS without any issues so that helps a bit.

According to the MSE interest calculator:-
£125 pcm @ 7%  =  £56
£150 pcm @ 6.5% = £63

Yes you are correct, but if you take into account what Hattie627 has also said, you might be lucky to end up with the price of a cup of coffee.