The Top Regular Savers Discussion Thread

PowerSavingMode

Bridlington1 said:

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.

Saffron BS

"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 " — did they?! Fnah, missed that. And I follow this forum like a hawk. Never mind...

Bridlington1

PowerSavingMode said:

Bridlington1 said:

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.

Saffron BS

"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 " — did they?! Fnah, missed that. And I follow this forum like a hawk. Never mind...

Saffron BS Refer A Friend Saver was available 31/5/25-12/7/25 at 8%. They also made a typo in their Ts&Cs as they forgot to mention that you had to be a new member to open it so quickly updated them. It was enough for me to open the account before the terms were updated, complain when they closed the account and get £45 as an apology.

Born2Save_3

Bridlington1 said:

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.

I've opened accounts with some on the list for specifically the reason of passing time to get a RS or to be able to open one if one is offered.  Cambridge BS want you to be a member for a year before being able to open their attractive but lower rate RS and three years for their most attractive higher rate RS.  Well I hope this is still so with Cambridge BS as 12 months is coming up soon.

Not RS related but BathBS has a really innovative mortgage for students; pity I'm not a student, or if I could be for less than the cost of council tax it would be worth it.

I've been a member of DarlingtonBS for a long time, but I don't recall any member or local residence exclusive RS accounts recently, but I may be wrong.

Kim_13

Not sure there's been a must have Bath BS RS for anyone over the age of 25.

Cambridge BS have a relatively high minimum (£100) though £1 if under 21 to open the First Account. I didn't mind the £100 minimum when I opened it as I used it to secure Halifax fivers for a time.