The Top Regular Savers Discussion Thread

clairec666

kermchem said:

badger09 said:

kermchem said:

allegro120 said:

clairec666 said:

topyam said:

How long do Principality RS last for usually before another issue is released ?

There was about a 5 month gap between the last two - I think issue 3 became available about March, and issue 4 in August.
As for the Christmas regular saver, last year's one was still available throughout December if memory serves me correctly.

According to my record:

Issue 1 - 20 June 2024
Issue 2 - 5 Dec 2024
Issue 3 - 13 March 2025
Issue 4 - 21 Aug 2025

I agree with those dates having looked them up in the archives yesterday. I don't see issue 5 on its way very soon.
According to the achive thread, the Principality Christmas 2025 RS went NLA on 31 Jan 2025. I am holding on for the 2026 version. Monmouthshire beating Principality for deposits right now.

Unless I’m misunderstanding you, Principality Xmas 2026 is already available. £150pm max bal £1800 6.5%
https://www.principality.co.uk/home/savings/savings-accounts/christmas-2025-regular-saver-bond

PS ignore 2025 in heading. Sloppy copying by Principality! 

Sorry, I should have said I am holding on and not opening the Principality 2026 Christmas saver for now. I know it is available. I have too many RS maturing in November and December, and will wait for nearer or even after the festive season to open the 2026 saver.

I too am holding off from opening it, in the hope that it will still be available in December. From previous form, it will still be available for a while, but I know there's a risk it will be withdrawn.

Bridlington1 said:

kermchem said:

badger09 said:

kermchem said:

allegro120 said:

clairec666 said:

topyam said:

How long do Principality RS last for usually before another issue is released ?

There was about a 5 month gap between the last two - I think issue 3 became available about March, and issue 4 in August.
As for the Christmas regular saver, last year's one was still available throughout December if memory serves me correctly.

According to my record:

Issue 1 - 20 June 2024
Issue 2 - 5 Dec 2024
Issue 3 - 13 March 2025
Issue 4 - 21 Aug 2025

I agree with those dates having looked them up in the archives yesterday. I don't see issue 5 on its way very soon.
According to the achive thread, the Principality Christmas 2025 RS went NLA on 31 Jan 2025. I am holding on for the 2026 version. Monmouthshire beating Principality for deposits right now.

Unless I’m misunderstanding you, Principality Xmas 2026 is already available. £150pm max bal £1800 6.5%
https://www.principality.co.uk/home/savings/savings-accounts/christmas-2025-regular-saver-bond

PS ignore 2025 in heading. Sloppy copying by Principality! 

Sorry, I should have said I am holding on and not opening the Principality 2026 Christmas saver for now. I know it is available. I have too many RS maturing in November and December, and will wait for nearer or even after the festive season to open the 2026 saver.

One option would be to open now but then refresh if still available in a month or two to push the maturity date on a bit.

This way you can still secure the account and don't risk missing out if it goes NLA sooner than it did last year but retain the option of pushing the maturity date on a couple of months if still available at the time.

Yes - that's a good tip.

Stargunner

s71hj said:

I didn't realise Scottish building society had an app until I read it on this thread. However logged in via an sms and it didn't seem to show accounts only a facility to message them. Anyone managed to view their RS on it? If so how. 

The app is only for sending secure messages and documents relating to mortgage applications. 

chris_the_bee

judgingjudy said:

chris_the_bee said:

Bank of Scotland
Anyone had any luck opening  the Monthly Saver?
I keep getting "Something went wrong" message.
Tried since Thursday

They have quite stringent rules about opening a new account if you have previously had one which you've closed early; is this the case?  I've had some problems with them in the past where I closed one about 7/8 months early to "refresh" it, as I've heard people calling it on here; I wasn't able to open a new one for a while, about 4/5 months if I remember correctly.

Although they're the same banking group as Halifax and Lloyds, they don't operate in the same way, as the patronising customer service person took great delight in telling me!

No, it matured Thursday 23rd October, but thanks.

chris_the_bee

allegro120 said:

judgingjudy said:

chris_the_bee said:

Bank of Scotland
Anyone had any luck opening  the Monthly Saver?
I keep getting "Something went wrong" message.
Tried since Thursday

They have quite stringent rules about opening a new account if you have previously had one which you've closed early; is this the case?  I've had some problems with them in the past where I closed one about 7/8 months early to "refresh" it, as I've heard people calling it on here; I wasn't able to open a new one for a while, about 4/5 months if I remember correctly.

Although they're the same banking group as Halifax and Lloyds, they don't operate in the same way, as the patronising customer service person took great delight in telling me!

BoS/Lloyds
The way around it is to "upgrade" instead of "close" and you should be able to "refresh" despite the 12 month rule.  

I didn't close it. It matured into an Access Saver, so no chance to refresh.

PowerSavingMode

chris_the_bee said:

allegro120 said:

judgingjudy said:

chris_the_bee said:

Bank of Scotland
Anyone had any luck opening  the Monthly Saver?
I keep getting "Something went wrong" message.
Tried since Thursday

They have quite stringent rules about opening a new account if you have previously had one which you've closed early; is this the case?  I've had some problems with them in the past where I closed one about 7/8 months early to "refresh" it, as I've heard people calling it on here; I wasn't able to open a new one for a while, about 4/5 months if I remember correctly.

Although they're the same banking group as Halifax and Lloyds, they don't operate in the same way, as the patronising customer service person took great delight in telling me!

BoS/Lloyds
The way around it is to "upgrade" instead of "close" and you should be able to "refresh" despite the 12 month rule.  

I didn't close it. It matured into an Access Saver, so no chance to refresh.

BoS Monthly Saver 

I wonder whether it will allow you open another Monthly Saver tomorrow (Monday)? Failing that, would removing cookies / cache for the BoS website and then re-applying help at all..? 

chris_the_bee

PowerSavingMode said:

chris_the_bee said:

allegro120 said:

judgingjudy said:

chris_the_bee said:

Bank of Scotland
Anyone had any luck opening  the Monthly Saver?
I keep getting "Something went wrong" message.
Tried since Thursday

They have quite stringent rules about opening a new account if you have previously had one which you've closed early; is this the case?  I've had some problems with them in the past where I closed one about 7/8 months early to "refresh" it, as I've heard people calling it on here; I wasn't able to open a new one for a while, about 4/5 months if I remember correctly.

Although they're the same banking group as Halifax and Lloyds, they don't operate in the same way, as the patronising customer service person took great delight in telling me!

BoS/Lloyds
The way around it is to "upgrade" instead of "close" and you should be able to "refresh" despite the 12 month rule.  

I didn't close it. It matured into an Access Saver, so no chance to refresh.

BoS Monthly Saver 

I wonder whether it will allow you open another Monthly Saver tomorrow (Monday)? Failing that, would removing cookies / cache for the BoS website and then re-applying help at all..? 

No, it lets me apply for other accounts OK. Looks like a phone call on Monday if it still doesn't play ball then.

jameseonline

s71hj said:

I didn't realise Scottish building society had an app until I read it on this thread. However logged in via an sms and it didn't seem to show accounts only a facility to message them. Anyone managed to view their RS on it? If so how. 

As you've found out it's just a messaging, uploading documents app, there is no way to view savings accounts with them.

Edit:
Might be worth plugging this thread 
https://forums.moneysavingexpert.com/discussion/6536296/companies-without-savings-apps/p1

veggieblob

chris_the_bee said:

judgingjudy said:

chris_the_bee said:

Bank of Scotland
Anyone had any luck opening  the Monthly Saver?
I keep getting "Something went wrong" message.
Tried since Thursday

They have quite stringent rules about opening a new account if you have previously had one which you've closed early; is this the case?  I've had some problems with them in the past where I closed one about 7/8 months early to "refresh" it, as I've heard people calling it on here; I wasn't able to open a new one for a while, about 4/5 months if I remember correctly.

Although they're the same banking group as Halifax and Lloyds, they don't operate in the same way, as the patronising customer service person took great delight in telling me!

No, it matured Thursday 23rd October, but thanks.

Did you make a payment into the account in October?  If so it may be a case of the max into a RS per month?

Confused_Dog

No, it lets me apply for other accounts OK. Looks like a phone call on Monday if it still doesn't play ball then.nderLloyds/Halifax/Bank of Scotland all had issues with their IT systems last week and they were caught up in the Amazon/AWS server problems.  It is a fresh week so will it let you reapply this morning?

If it doesn't I'd be seriously tempted to look at an account with another provider given there are a number of accounts currently available paying more than 5%.

OrangeBlueGreen

Scottish BS

How quickly/slowly did your welcome letter and passbooks arrive? My account has been open for a couple of weeks and don't really want to contact them if it's normal.