The Top Regular Savers Discussion Thread

Bigwheels1111

Principality opened a new reg saver 4 today after my reg saver 3 matured.

I have one reg saver 3 left.

I always use option 2 at maturity, out of working hours and online.

So four reg saver 4's and 1 reg saver 3.

My healthy habits saver matures 21/12/25.

So Not sure if I will get another Christmas saver 2026 or another reg saver 4.

Chaykin

Could someone please be so kind and remind me how the temporary "raiding" of a full (£5,000.00) NatWest/RBS Digital Regular Saver works? Am I right in thinking that I can withdraw the full amount and replace it in full as long as it's in the same calendar month? E.g. could I withdraw £5,000.00 on Fri 02/01/2026 and return it in full on Fri 30/01/2026. Of course I understand I would lose out on interest but want to avoid the need of having to fill it up again by £150/month. (not including interest/round ups/rewards)

clairec666

Chaykin said:

Could someone please be so kind and remind me how the temporary "raiding" of a full (£5,000.00) NatWest/RBS Digital Regular Saver works? Am I right in thinking that I can withdraw the full amount and replace it in full as long as it's in the same calendar month? E.g. could I withdraw £5,000.00 on Fri 02/01/2026 and return it in full on Fri 30/01/2026. Of course I understand I would lose out on interest but want to avoid the need of having to fill it up again by £150/month. (not including interest/round ups/rewards)

Yes, that's how you would do it. I've never withdrawn and replaced the full £5000, but often do it with £1000+, and it's always worked (i.e. no rejected payments). I always return it in separate transactions of £150 each to be on the safe side, but I don't know if this is necessary.

Bridlington1

clairec666 said:

Chaykin said:

Could someone please be so kind and remind me how the temporary "raiding" of a full (£5,000.00) NatWest/RBS Digital Regular Saver works? Am I right in thinking that I can withdraw the full amount and replace it in full as long as it's in the same calendar month? E.g. could I withdraw £5,000.00 on Fri 02/01/2026 and return it in full on Fri 30/01/2026. Of course I understand I would lose out on interest but want to avoid the need of having to fill it up again by £150/month. (not including interest/round ups/rewards)

Yes, that's how you would do it. I've never withdrawn and replaced the full £5000, but often do it with £1000+, and it's always worked (i.e. no rejected payments). I always return it in separate transactions of £150 each to be on the safe side, but I don't know if this is necessary.

It isn't necessary to replace in separate £150 transactions. Just be weary of replacing the funds too late in the month though. I seem to recall one person on here made this mistake a while back, withdrawing the full balance and then trying to replace them on the final day of the month. As the funds were replaced too late in the day, the whole payment (about £5k IIRC) was rejected and they had to start topping it up from scratch, £150/mth plus round ups/rewards.

If you want to play it safe though you can just withdraw down to about £4675, this allows you to replace £150 at the end of the month, £150 at the start of the following month (only a few days later at most), with interest/rewards topping the balance back up to £5k whilst staying within the usual £150/mth deposit limit.

Kim_13

Bridlington1 said:

clairec666 said:

Chaykin said:

Could someone please be so kind and remind me how the temporary "raiding" of a full (£5,000.00) NatWest/RBS Digital Regular Saver works? Am I right in thinking that I can withdraw the full amount and replace it in full as long as it's in the same calendar month? E.g. could I withdraw £5,000.00 on Fri 02/01/2026 and return it in full on Fri 30/01/2026. Of course I understand I would lose out on interest but want to avoid the need of having to fill it up again by £150/month. (not including interest/round ups/rewards)

Yes, that's how you would do it. I've never withdrawn and replaced the full £5000, but often do it with £1000+, and it's always worked (i.e. no rejected payments). I always return it in separate transactions of £150 each to be on the safe side, but I don't know if this is necessary.

It isn't necessary to replace in separate £150 transactions. Just be weary of replacing the funds too late in the month though. I seem to recall one person on here made this mistake a while back, withdrawing the full balance and then trying to replace them on the final day of the month. As the funds were replaced too late in the day, the whole payment (about £5k IIRC) was rejected and they had to start topping it up from scratch, £150/mth plus round ups/rewards.

If you want to play it safe though you can just withdraw down to about £4675, this allows you to replace £150 at the end of the month, £150 at the start of the following month (only a few days later at most), with interest/rewards topping the balance back up to £5k whilst staying within the usual £150/mth deposit limit.

I recall someone also trying to replace on a weekend, so as NatWest/RBS treat deposits on a non-working day as being received on the next working day, it was received in the next month and rejected.

clairec666

Bridlington1 said:

clairec666 said:

Chaykin said:

Could someone please be so kind and remind me how the temporary "raiding" of a full (£5,000.00) NatWest/RBS Digital Regular Saver works? Am I right in thinking that I can withdraw the full amount and replace it in full as long as it's in the same calendar month? E.g. could I withdraw £5,000.00 on Fri 02/01/2026 and return it in full on Fri 30/01/2026. Of course I understand I would lose out on interest but want to avoid the need of having to fill it up again by £150/month. (not including interest/round ups/rewards)

Yes, that's how you would do it. I've never withdrawn and replaced the full £5000, but often do it with £1000+, and it's always worked (i.e. no rejected payments). I always return it in separate transactions of £150 each to be on the safe side, but I don't know if this is necessary.

It isn't necessary to replace in separate £150 transactions. Just be weary of replacing the funds too late in the month though. I seem to recall one person on here made this mistake a while back, withdrawing the full balance and then trying to replace them on the final day of the month. As the funds were replaced too late in the day, the whole payment (about £5k IIRC) was rejected and they had to start topping it up from scratch, £150/mth plus round ups/rewards.

If you want to play it safe though you can just withdraw down to about £4675, this allows you to replace £150 at the end of the month, £150 at the start of the following month (only a few days later at most), with interest/rewards topping the balance back up to £5k whilst staying within the usual £150/mth deposit limit.

Good to know - I won't bother splitting the transactions in future.

I recall once making a deposit on the last day of the month which was dated as the 1st of the next month. Can't recall whether it was a working day, or what time I made the transaction.

This month I made a withdrawal of £250 from Natwest DRS on the evening of the 1st December, to top up my Coop regular saver. The transaction is dated as 2nd December at Natwest, but 1st December at Coop. So could have been counted twice for the day's interest.... I'm not going to go to the effort of doing that every time for the sake of a few pence interest, but will bear it in mind when trying to top up Natwest before the end of the month.

friolento

It would be really helpful if providers did publish their daily cut-off times as these vary widely. As this is unlikely to happen, the only safe-ish bet is to make all your deposits before mid afternoon on working days.  

pecunianonolet

Principality

Provided maturity instructions yesterday evening well after business hours for a reg saver 3 that matured today and wanted another reg saver 4. This would have been the 5th one.

When I checked in the morning, the reg saver was funded with £200 and remaining balance plus interest was moved into my nominated account. This evening I realised that Principality sent my other £200 as well so they must have manually checked. Exact same for OH. 

Usual message so they either forbid it in the T&C and run a fair use policy up to a certain number or they start to enforce T&C's from now on, which of course is their right and I enjoyed it while it lasted. 

However, quite inconsistend behaviour because if it's against the T&C's they should have closed all the other ones running too, which they haven't.

Dizzycap

Just

Just logged into Principality and find a routine maintenance with regards to updating my account. I'm wondering if Principality BS are closing the loophole for future maturity instructions for the same RS / Bond Issue being available as a maturity option? Interesting, because I've never seen Principality undertake this type of maintenance.

I had an issue 3 6 month RS mature today which was converted into another issue 4. However, I also noticed late last night that I had a missed call from Principality BS on Thursday morning, but my maturity instructions were still actioned, this time. I might not be so fortunate with a couple of PBS RS maturing in January......

It will be interesting to see if anyone else experiences issues with future maturity instructions not being actioned due to already holding a certain RS / Saving issue number. We can but hope for everyone's sake...... 

s71hj

Bridlington1 said:

clairec666 said:

Chaykin said:

Could someone please be so kind and remind me how the temporary "raiding" of a full (£5,000.00) NatWest/RBS Digital Regular Saver works? Am I right in thinking that I can withdraw the full amount and replace it in full as long as it's in the same calendar month? E.g. could I withdraw £5,000.00 on Fri 02/01/2026 and return it in full on Fri 30/01/2026. Of course I understand I would lose out on interest but want to avoid the need of having to fill it up again by £150/month. (not including interest/round ups/rewards)

Yes, that's how you would do it. I've never withdrawn and replaced the full £5000, but often do it with £1000+, and it's always worked (i.e. no rejected payments). I always return it in separate transactions of £150 each to be on the safe side, but I don't know if this is necessary.

It isn't necessary to replace in separate £150 transactions. Just be weary of replacing the funds too late in the month though. I seem to recall one person on here made this mistake a while back, withdrawing the full balance and then trying to replace them on the final day of the month. As the funds were replaced too late in the day, the whole payment (about £5k IIRC) was rejected and they had to start topping it up from scratch, £150/mth plus round ups/rewards.

If you want to play it safe though you can just withdraw down to about £4675, this allows you to replace £150 at the end of the month, £150 at the start of the following month (only a few days later at most), with interest/rewards topping the balance back up to £5k whilst staying within the usual £150/mth deposit limit.

I'm keeping this strategy in my back pocket as I have a pinch point funding wise probably some time between Jan and March but I must say on a wider point about interest rates and saver ratevs ISA rate trends, increasingly it feels like the best strategy for me (even accounting for tax on RSs) is to withdraw from ISAs and put the money back in before end of tax year.