The Top Regular Savers Discussion Thread

HHUK

roked said:

I have had the same request. If you hit reply within the message itself (after signing in with passcode), it states it is still encrypted and you can attach your documents

Hanley

I tried to reply directly from the encrypted message (after signing in with the passcode) but despite several attempts was unable to attach the files saved on my PC. Not something that is normally an issue when using my usual email service.  

roked

HHUK said:

roked said:

I have had the same request. If you hit reply within the message itself (after signing in with passcode), it states it is still encrypted and you can attach your documents

Hanley

I tried to reply directly from the encrypted message (after signing in with the passcode) but despite several attempts was unable to attach the files saved on my PC. Not something that is normally an issue when using my usual email service.  

When are you getting the issue? and how big are the files?

If it is after selecting one for attachment, note that they are uploaded in the background (as it is a cloud based email) before they become visible. So depending on your internet connection and file size, it could take time and appears nothing has happened or worked + you can continue to use the email part as normal in the foreground

I also don't believe you can queue up attachments i.e. you have to wait for the first one to upload before you try and attach another file, otherwise it cancels the first one.

Once they are uploaded, it will suddenly appear as a box (without warning) above the message.



I have fast broadband with 25mg upload speed and it took around 8-10 secs to appear for me with a 5mb file.

tiptoe_mouse

masonic said:

tiptoe_mouse said:

allegro120 said:

tiptoe_mouse said:

I've had a Halifax Regular Saver for years, and every year on maturity the balance has been transferred to my Instant Saver account, and the regular saver has renewed automatically. However, I've logged into the Halifax app today and the following message popped up:

Your Regular Saver

Your Regular Saver account term ends soon. Your account will then change into an Everyday Saver.

Check out our range of products and best rates we have available for you.

I've just been on the phone with them, and spoken to someone who seems to think that this won't happen, but that an Everyday Saver account will be opened instead for the maturity balance, with the Regular Saver renewing automatically. She didn't instill me with great confidence as she appeared to be reading from this webpage https://www.halifax.co.uk/savings/fixed-term/regular-saver.html which says something slightly different.

Has anyone else had this message, and if so, what actually happened to your account(s)? I'd pop into my local branch to ask, but it's now closed down 😔.

Halifax
My last renewal was in March, so I'm not up to date, but can say that I've never received such messages in my app.  I always get a letter that explains what's going to happen (i.e money transfered to EA account and RS will roll over), and that's what always happen.  I suspect whoever composed this message aren't familiar with this product.

I've never seen this message before either! I'm not sure if I've had a paper letter this year - I imagine if I had I would have thought "I know what happens on maturity" and so maybe not read it properly. It was really frustrating talking to the customer service person on the phone - I'm not sure she understood everything I was saying. I'm tempted to try the secure messaging service so at least I have the response in writing.

After receiving contradictory information, you can never really be sure, so it may be easiest just to see what happens and react accordingly. I strongly suspect it will empty and roll over for another year just like it has in the past. If not, a new one can be opened very quickly.

Good point. However, if it doesn't roll over and is just converted, then it's underhand practice - I might not have logged into the app and noticed the message, in which case my standing order would be going into an account paying 1% instead of 5.5%. At the very least it's majorly confusing!

tiptoe_mouse

jameseonline said:

Anybody got a Newcastle Regular Saver maturing soon?

I got an email recently explaining it will change to an Easy Saver, which is fine but what I don't understand is why the email shows BOTH a monthly rate AND a yearly rate for the account.

I contacted them via Instagram they seem to suggest instructions being given?

Tried contacting them again they now saying they won't talk about account specifics over social media, I'm like I'm not talking about transaction history or anything 😌

Is interest paid monthly? If so, I imagine one (the lower rate) reflects what the interest would be if it's paid into another account (or withdrawn as soon as it's paid) and the other is the interest rate if you leave it to compound.

Here's a much better explanation - scroll down to where it says Where interest is paid monthly:

https://www.moneysavingexpert.com/banking/interest-rates/#AER

Ch1ll1Phlakes

jameseonline said:

Anybody got a Newcastle Regular Saver maturing soon?

I got an email recently explaining it will change to an Easy Saver, which is fine but what I don't understand is why the email shows BOTH a monthly rate AND a yearly rate for the account.

I contacted them via Instagram they seem to suggest instructions being given?

Tried contacting them again they now saying they won't talk about account specifics over social media, I'm like I'm not talking about transaction history or anything 😌

The Easy Saver that your account is maturing to, does have both monthly and yearly rate for interest as it probably can be opened to have interest paid monthly or yearly.

As a maturity product, they probably are including any account details they feel are relevant and including both interest rates as 1) monthly and yearly interest rates differ (as highlighted by @tiptioe_mouse above), 2) you may be able have the account opened with either type of interest (if you have to provide instructions or 3) you can possibly have the frequency of interest changed by contacting them after maturity.

If you want more specific details from Newcastle BS I would contact them by phone (hopefully quick as Building societies often are compared to the big banks), email or preferably (as you already have an account) by secure message.

Hope this helps

Bridlington1

Principality BS Christmas 2026 Regular Saver 6.5%

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

nomorekids

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

not showing yet Bridlington, fingerscrossed for the morning but many thanks as always 

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).