The Top Regular Savers Discussion Thread

happybagger

@Bridlington1
MHBS have withdrawn their Fixed Term RS 30/09/26 (5.8% fix) AND their Ltd Edn Branch RS 04/11/26 (6% fix)
https://mhbs.co.uk/savings-information/current-interest-rates-for-withdrawn-products/

No replacements shown.

Bridlington1

happybagger said:

@Bridlington1
MHBS have withdrawn their Fixed Term RS 30/09/26 (5.8% fix) AND their Ltd Edn Branch RS 04/11/26 (6% fix)
https://mhbs.co.uk/savings-information/current-interest-rates-for-withdrawn-products/

No replacements shown.

Many thanks for this, I shall update p1 of this thread later today.

BOE Base Rate has been held at 4% today. As ever thresholds for this thread remain under review.

Bob2000

Ch1ll1Phlakes said:

Kim_13 said:

GetRichOrDieSaving said:

Bob2000 said:

Nationwide regular saver. 

If l open this account with the intention  of funding my first deposit  on Sunday 30th, then my second Monday, 1st Dec. Will it work, or does Nationwide only do the next working day?

Yes that will work, as myself and many others will have done similar in the past. 

I don't think it will, as Nationwide will date an internal transfer on a Sunday as Monday (therefore both payments would be in December.)

Before the cut off on Saturday and Monday, yes.

All my payments into my Flex Regular Saver have been dated the 1st, even when sent on the weekend. For example this month, the 1st fell on a Saturday and payment went through no problem and was dated accordingly.

My previous Flex Reg (Issue 3) had payments go through on the weekend with a statement date of the following working day, however, each payment was listed with the effective date of the 1st. 

Based on this a payment of the Sunday should go through ok. It may get a statement date of the 1st but an effective date of the 30th which is all that should matter.

EDIT: I'll add to this from the following Nationwide page (which is always hard to find) Payment and transfer limits | Nationwide

1. Payments between Nationwide accounts should be instant


2. Standing orders to Nationwide accounts should go out of the chosen date.


EDIT2: Just realised the OP never mentioned if they would be funding directly from a Nationwide current account. Poor assumption on my part as the top image only applies if the payment is made for a Nationwide CA

Yes directly from a Nationwide CA.

Bob2000

GetRichOrDieSaving said:

Kim_13 said:

GetRichOrDieSaving said:

Bob2000 said:

Nationwide regular saver. 

If l open this account with the intention  of funding my first deposit  on Sunday 30th, then my second Monday, 1st Dec. Will it work, or does Nationwide only do the next working day?

Yes that will work, as myself and many others will have done similar in the past. 

I don't think it will, as Nationwide will date an internal transfer on a Sunday as Monday (therefore both payments would be in December.)

Before the cut off on Saturday and Monday, yes.

Apologise for the misinformation if this is the case, I can’t ever recall having an issue with deposits hitting the account when the first falls on a Sunday. However, I would recommend the OP goes with the Saturday to be sure. 

I'll do that then. Thanks again.

Chaykin

Furness BS - Christmas Regular Saver Issue 2

As mentioned before I have experimented and tried an earlier payment. I did a transfer of £500.00 first thing on Fri 31/10/2025. As of 11:00 AM on Wed 05/11/2025 it still wasn't showing in so I contacted them via their Live Chat in the app. Was told the money was returned due to exceeding the monthly pay-in limit. Was told return can take 3-5 working days. As of right now I still have not received it back. Soon after messaging them yesterday I did another transfer of £500.00 and that was showing in this morning.

EDIT: Received the return on 11/11/2025 - 11 days after transferring. 

@Slinky

savethepandas

Scottish Building Society

Just received my user id in the post this morning, except that the user id provided was the 10 digit account number for my regular saver.

Phoned them up as I couldn't logon. Was given the correct 8 digit user id over the phone.

Probably just a one off, but thought I'd mention it, in case anyone has the same.

luci

Bob2000 said:

Nationwide regular saver. 

If l open this account with the intention  of funding my first deposit  on Sunday 30th, then my second Monday, 1st Dec. Will it work, or does Nationwide only do the next working day?

I funded mine on a Sunday by transfer from another N/Wide account and it was credited the same day. It may be different if coming from an external account.

Kim_13

happybagger said:

@Bridlington1
MHBS have withdrawn their Fixed Term RS 30/09/26 (5.8% fix) AND their Ltd Edn Branch RS 04/11/26 (6% fix)
https://mhbs.co.uk/savings-information/current-interest-rates-for-withdrawn-products/

No replacements shown.

I had an email from them the other day about the upcoming maturity (30/11) and saying that options would be given about two weeks before. It would be nice if this included some sort of replacement for maturing accounts.

friolento

Another Principality maturity today, now I have 5 issue 4, alongside 2 issue 3. All my maturity instructions were given online, and I always selected the option which takes the max £200 first deposit into issue 4, and the remainder paid to my external current account. Today's payment has, as usual, arrived before 10 am. Great service from Principality.

moi

Kim_13 said:

moi said:

 ...branch/post Melton BS Regular Saver 5...

 it has been reported to be possible to withdraw by secure message/phone without posting in the passbook...

Bridlington1 said:

I've made a few withdrawals from Melton by phone and secure message...

Does the new Melton BS website still have secure messages? I didn't have the old platform, but can't see messages anywhere now. Maybe they stopped them, or maybe I'm being blind! 🫣 🙈
  
"Help & Support" in the portal just leads to the general website page www.themelton.co.uk/help-and-support . I also looked for secure messages under the top right initials & signpost icons, to no avail.