The Top Regular Savers Discussion Thread

Kim_13

ForumUser7 said:

Melton BS

Anyone had any success with closing a regular saver via the online portal? Seems you have to give a closure reason but there is nothing to select in this field - it just states 'no data available' - and therefore you cannot proceed.

Can you not just withdraw the balance? They will probably close an account at zero balance after a while, and if closing an Adcock or Issue 5 to force the interest into this tax year, there are a few months to go yet. Melton may fix the system / reinstate secure messages by then. Issue 6 pays interest on 31st March regardless, so it could be left at £1 in case it is useful later, as there are currently no Melton RSs available to open.

s71hj

Bridlington1 said:

happybagger said:

s71hj said:

I have opened a Mansfield e saver 30 joint account £10 a month 3.6%to give a foothold in that institution. Looking at their accounts I'm now wondering if that would give us both access to their 5.25% saver as an "existing member" ? 

One year membership required for that.
When mine matured last year I called in branch to renew it by opening another and withdrawing the rest. They did it but weren't keen "that's not what we're meant to do, as the account isn't a 1yr account but the bonus only lasts for a year".

I suggested they should just leave the bonus to continue and that would save the need for messing about. In the end they opened a new one and I got the balance.

It used to require you to have been an existing member for a year unless you lived in certain areas but they loosened the eligibility criteria so that existing members were eligible regardless of how long they'd been a member for.

Thanks! Reminds me of your 11th hour Dudley application for instant membership earlier this year 

Bridlington1

The following items have been removed from the recent additions list but remain in the main RS lists as they were launched in the second half of October.

Leeds BS Regular Saver (Issue 70) at 4.7%~~~ Launched 31/10/25
Principality BS Christmas 2026 Regular Saver at 6.5%~~~ Launched 23/10/25
Hanley Economic BS 1 Year Online Smart Saver (TAR10) at 6.5% ~~~~~ Launched 21/10/25
Hanley Economic BS 1 Year Branch Smart Saver (TAR09) at 6.5% ~~~~~ Launched 20/10/25
Darlington BS 12 Month Regular Saver Issue 3 at 4.75% ~~~ Launched 17/10/25
Newcastle BS Monument Regular Saver at 5.5%~~~ Launched 16/10/25

Apologies, should've done this yesterday but ended up nodding off by 6pm.

I'll partially clear the list again on 30th November.

Bridlington1

s71hj said:

Bridlington1 said:

happybagger said:

s71hj said:

I have opened a Mansfield e saver 30 joint account £10 a month 3.6%to give a foothold in that institution. Looking at their accounts I'm now wondering if that would give us both access to their 5.25% saver as an "existing member" ? 

One year membership required for that.
When mine matured last year I called in branch to renew it by opening another and withdrawing the rest. They did it but weren't keen "that's not what we're meant to do, as the account isn't a 1yr account but the bonus only lasts for a year".

I suggested they should just leave the bonus to continue and that would save the need for messing about. In the end they opened a new one and I got the balance.

It used to require you to have been an existing member for a year unless you lived in certain areas but they loosened the eligibility criteria so that existing members were eligible regardless of how long they'd been a member for.

Thanks! Reminds me of your 11th hour Dudley application for instant membership earlier this year 

Well it can't be any more eventful than opening a regular saver before it had been launched or mentioned anywhere whilst even the building society staff didn't have a clue about it. It's not as though I've ever done before....

s71hj

Bridlington1 said:

s71hj said:

Bridlington1 said:

happybagger said:

s71hj said:

I have opened a Mansfield e saver 30 joint account £10 a month 3.6%to give a foothold in that institution. Looking at their accounts I'm now wondering if that would give us both access to their 5.25% saver as an "existing member" ? 

One year membership required for that.
When mine matured last year I called in branch to renew it by opening another and withdrawing the rest. They did it but weren't keen "that's not what we're meant to do, as the account isn't a 1yr account but the bonus only lasts for a year".

I suggested they should just leave the bonus to continue and that would save the need for messing about. In the end they opened a new one and I got the balance.

It used to require you to have been an existing member for a year unless you lived in certain areas but they loosened the eligibility criteria so that existing members were eligible regardless of how long they'd been a member for.

Thanks! Reminds me of your 11th hour Dudley application for instant membership earlier this year 

Well it can't be any more eventful than opening a regular saver before it had been launched or mentioned anywhere whilst even the building society staff didn't have a clue about it. It's not as though I've ever done before....

Which one's was that!? 

Kim_13

Possibly a Principality - a discovered link will submit an application but start the account term clock ticking, while no deposits are accepted until the account officially launches.

Bridlington1

Kim_13 said:

Possibly a Principality - a discovered link will submit an application but start the account term clock ticking, while no deposits are accepted until the account officially launches.

That's correct, specifically their Regular Saver Issue 33 at 5.5%, though no deposits were able to be received until the day of launch and they were dated as the day of launch, maturity date was the date of opening though so from that point of view I would advise against it.

Not only that myself and those others who opened the account early got emails from Principality on the day of launch saying they'd noticed we'd opened the accounts before they were launched but could now use them since they were live, so it might not be worth drawing too much attention to yourself if you're in the habit of having duplicate accounts with them.

s71hj

Bridlington1 said:

Kim_13 said:

Possibly a Principality - a discovered link will submit an application but start the account term clock ticking, while no deposits are accepted until the account officially launches.

That's correct, specifically their Regular Saver Issue 33 at 5.5%, though no deposits were able to be received until the day of launch and they were dated as the day of launch, maturity date was the date of opening though so from that point of view I would advise against it.

Not only that myself and those others who opened the account early got emails from Principality on the day of launch saying they'd noticed we'd opened the accounts before they were launched but could now use them since they were live, so it might not be worth drawing too much attention to yourself if you're in the habit of having duplicate accounts with them.

I don't want to draw the attention of any human contact with Principality! Are there any other societies where it is worth opening a low initial deposit account to get a membership and foothold in the event of good regular savers being launched? I know West Brom and Nottingham (and of course Dudley!) are examples. As it's gone a bit quiet in terms of new accounts I'm trying to do some future planning groundwork! 

castle96

ALL of them, for £1 or £10 whatever. Just in case

Bridlington1

s71hj said:

Bridlington1 said:

Kim_13 said:

Possibly a Principality - a discovered link will submit an application but start the account term clock ticking, while no deposits are accepted until the account officially launches.

That's correct, specifically their Regular Saver Issue 33 at 5.5%, though no deposits were able to be received until the day of launch and they were dated as the day of launch, maturity date was the date of opening though so from that point of view I would advise against it.

Not only that myself and those others who opened the account early got emails from Principality on the day of launch saying they'd noticed we'd opened the accounts before they were launched but could now use them since they were live, so it might not be worth drawing too much attention to yourself if you're in the habit of having duplicate accounts with them.

I don't want to draw the attention of any human contact with Principality! Are there any other societies where it is worth opening a low initial deposit account to get a membership and foothold in the event of good regular savers being launched? I know West Brom and Nottingham (and of course Dudley!) are examples. As it's gone a bit quiet in terms of new accounts I'm trying to do some future planning groundwork! 

The following building societies to my knowledge have restricted some regular savers to those who have been members for however long and/or have restricted accounts to existing members only unless you live in certain parts of the country:

Bath BS

Cambridge BS

Coventry BS

Darlington BS

ESBS

Leek BS

Mansfield BS

Market Harborough BS

Monmouthshire BS

Nationwide

Newbury BS

Newcastle BS

Penrith BS
Principality BS

Progressive BS

Saffron BS

Scottish BS

Skipton

Suffolk BS

Vernon BS

West Brom BS

YBS

Coventry have a habit of launching loyalty regular savers with a cut off of 1st January of a particular year so is a good one to open an account with seen as we're nearing the end of the year.

In June Saffron offered a refer-a-friend RS for new customers only as well as loyalty RS for existing customers who'd been a member for however long though so it's up to you to decide whether you think it's worth holding off in case they launch another refer-a-friend RS or if you think they won't launch another RAF RS and think it better to open an account now in the hope of potentially qualifying for loyalty RSs sooner.