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The Top Regular Savers Discussion Thread

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Comments

  • clairec666
    clairec666 Posts: 762 Forumite
    500 Posts Name Dropper
    edited Today at 9:10AM
    Principality T&Cs:



    This wasn't on the terms for the 6 month account. Maybe they're getting wise and have updated the wording.

    Also worth noting: term starts from the date of opening, not the date of first deposit. And you must fund it within 5 working days of opening. No benefit opening now unless you can fund it straight away - I imagine the account will be available for a month or so at least, so no hurry to open it.
  • E_zroda
    E_zroda Posts: 105 Forumite
    Fifth Anniversary 100 Posts Photogenic Name Dropper
    ThePirates said:
    Principality Xmas Saver now live!
    It's a FIX!  <3
  • Hattie627
    Hattie627 Posts: 519 Forumite
    100 Posts Second Anniversary Name Dropper
    ThePirates said:
    Principality Xmas Saver now live!
    Xmas 2026 has come early!
  • s71hj
    s71hj Posts: 901 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    Hattie627 said:
    ThePirates said:
    Principality Xmas Saver now live!
    Xmas 2026 has come early!
    So presumably if you open today maturity date will be 23/10/2026?
  • EssexHebridean
    EssexHebridean Posts: 24,714 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I didn't dare leave my maturity instruction for Principality until today, so will have to go through the hoops of just opening a new Christmas saver now - not a massive issue though, and a rate well worth having. 

    You know it's hot-off-the-press when they haven't yet got around to updating the title of the T's and C's doc though!

    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    Balance as at 31/08/25 = £ 95,450.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • Hattie627
    Hattie627 Posts: 519 Forumite
    100 Posts Second Anniversary Name Dropper
    s71hj said:
    Hattie627 said:
    ThePirates said:
    Principality Xmas Saver now live!
    Xmas 2026 has come early!
    So presumably if you open today maturity date will be 23/10/2026?
    Yes, MD is the anniversary of opening (not funding)
  • SJMALBA
    SJMALBA Posts: 1,120 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    Co-Op RS:

    Am I correct in thinking that the term starts on day of initial deposit, rather than day of opening?

    I have a Cashminder account fully open (inc. online access), which was a relatively slow process - is opening the RS a same day 'event,' or also a protracted exercise?

    TIA
  • EssexHebridean
    EssexHebridean Posts: 24,714 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    As if by magic, new Principality Xmas 2026 set up the day before the maturity of the 2025 version, funded, and my monthly transfer standing order set up from the current account too. Easy as pie, as usually seems to be the case with Principality. 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    Balance as at 31/08/25 = £ 95,450.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • clairec666
    clairec666 Posts: 762 Forumite
    500 Posts Name Dropper
    SJMALBA said:
    Co-Op RS:

    Am I correct in thinking that the term starts on day of initial deposit, rather than day of opening?

    I have a Cashminder account fully open (inc. online access), which was a relatively slow process - is opening the RS a same day 'event,' or also a protracted exercise?

    TIA
    From the T&Cs:
    "12 month term - The 12 months starts from the date we receive and accept your 1st deposit"

    They take a few days to process an application for a regular saver. Mine was about 5 days last time, despite being an existing customer and having had a regular saver recently mature.
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