The Top Regular Savers Discussion Thread

gt94sss2

Coventry BS RS

I have a CBS account due to mature on Friday/Saturday.

Could someone remind me of CBS process withdrawals on the same day/over the weekend?

Hattie627

allegro120 said:

Hattie627 said:

Re: Principality (please scroll past if you're not interested in the PBS RS saga)

I've been away for a week and just catching up on this thread and on RS administration.

I have two Principality RS's both maturing on 22nd December. One is a Christmas 2025 RS and the other is a Two Year Healthy Habits RS.

I entered online maturity instructions for both on 8th December, just before heading off. For one of them I asked for a rollover to a (second) Christmas 2026 RS and for the other one a rollover to (another) 6 month RS Issue 4.

I've returned home to a secure message (just one) from Principality rejecting my instructions on the basis that I am already a holder of the rollover account requested. The secure message doesn't quote the relevant account number or identify the account by type (just talks about "regular saver bond"). It does refer to the maturity date of 22nd December but that doesn't help to identify the account to which the message relates as they both mature on 22nd December. 

Not sure where I stand and would prefer not to phone for clarification (for obvious reasons).

Just wondered if anyone else is in this situation and has been able to work out which account the single message relates to.

I am in exactly the same situation.  Following the single message I received 2 letters confirming that the money will be transferred to my bank account.  2 letters were specific to each account so I'm not expecting Christmas 2025 and Healthy to roll over.  I think it's the end of the feast.

Yes, I've had the same two letters both dated 8th December (the date I entered the instructions).  However these are the exact same style letters which I have previously received when (successfully as it turned out) instructing a rollover of £200 (or whatever the monthly amount was) with the balance to my bank account. The style letters received at this stage (after entering online instructions but before the maturity date has arrived) have never mentioned amounts and/or that £x amount is to be rolled over to a new PBS account with the same account number. Looks like I will just have to wait and see what happens on 22nd December.

allegro120

Hattie627 said:

allegro120 said:

Hattie627 said:

Re: Principality (please scroll past if you're not interested in the PBS RS saga)

I've been away for a week and just catching up on this thread and on RS administration.

I have two Principality RS's both maturing on 22nd December. One is a Christmas 2025 RS and the other is a Two Year Healthy Habits RS.

I entered online maturity instructions for both on 8th December, just before heading off. For one of them I asked for a rollover to a (second) Christmas 2026 RS and for the other one a rollover to (another) 6 month RS Issue 4.

I've returned home to a secure message (just one) from Principality rejecting my instructions on the basis that I am already a holder of the rollover account requested. The secure message doesn't quote the relevant account number or identify the account by type (just talks about "regular saver bond"). It does refer to the maturity date of 22nd December but that doesn't help to identify the account to which the message relates as they both mature on 22nd December. 

Not sure where I stand and would prefer not to phone for clarification (for obvious reasons).

Just wondered if anyone else is in this situation and has been able to work out which account the single message relates to.

I am in exactly the same situation.  Following the single message I received 2 letters confirming that the money will be transferred to my bank account.  2 letters were specific to each account so I'm not expecting Christmas 2025 and Healthy to roll over.  I think it's the end of the feast.

Yes, I've had the same two letters both dated 8th December (the date I entered the instructions).  However these are the exact same style letters which I have previously received when (successfully as it turned out) instructing a rollover of £200 (or whatever the monthly amount was) with the balance to my bank account. The style letters received at this stage (after entering online instructions but before the maturity date has arrived) have never mentioned amounts and/or that £x amount is to be rolled over to a new PBS account with the same account number. Looks like I will just have to wait and see what happens on 22nd December.

Yes, you are right.  The letters confirming the amount were issued on the date of transaction, I overlooked this, so it might appear that the single secure message doesn't cover both maturity instructions. Mine mature on 21st, so not long to wait for results.

nottsphil

happybagger said:

@Bridlington1

Loughborough BS

Rate changes effective 5 Jan 2026

open accounts 
Limited Access Monthly Saver from 4.45 to 4.25
2 Year Super Saver remains at 5.00

closed accounts
1 Year Super Saver from 6.00 to 5.80
Retirement Monthly Saver remains at 5.50
Holiday Monthly Saver from 5.60 to 5.40

source

Have they just announced this? Why would they do that two days before the Bank of England base rate meeting?

trickydicky14

Principality B.S
The question I wish to ask is, has anyone who has more accounts than they should have managed to get a new account opened in the past shall we say 7 days. I managed it on the 5th so I think I just got under the wire.

fuzzzzy

trickydicky14 said:

Principality B.S
The question I wish to ask is, has anyone who has more accounts than they should have managed to get a new account opened in the past shall we say 7 days. I managed it on the 5th so I think I just got under the wire.

I managed it on the 9th.

WillPS

nottsphil said:

happybagger said:

@Bridlington1

Loughborough BS

Rate changes effective 5 Jan 2026

open accounts 
Limited Access Monthly Saver from 4.45 to 4.25
2 Year Super Saver remains at 5.00

closed accounts
1 Year Super Saver from 6.00 to 5.80
Retirement Monthly Saver remains at 5.50
Holiday Monthly Saver from 5.60 to 5.40

source

Have they just announced this? Why would they do that two days before the Bank of England base rate meeting?

It's a dead cert and/or they're dropping for a reason other than the expected base rate cut so it doesn't matter.

soulsaver

I know: Back to speculating but IIRC nobody tested these circumstances that PBS may be cutting slack on: 

Have people who have been rejected had any significant funds with PBS other than their Reg Savers?

And/or have people who've not been rejected got significant PBS deposits outside PBS's RSs?

I'm in the latter group- and, accepting that it would be wise NOT to provide enough info to be identified by a digital search, I'll add I've got quite a few more Iss4s than anyone else has declared on here.

And my last conversion was just about a week ago, too.

Bridlington1

WillPS said:

nottsphil said:

happybagger said:

@Bridlington1

Loughborough BS

Rate changes effective 5 Jan 2026

open accounts 
Limited Access Monthly Saver from 4.45 to 4.25
2 Year Super Saver remains at 5.00

closed accounts
1 Year Super Saver from 6.00 to 5.80
Retirement Monthly Saver remains at 5.50
Holiday Monthly Saver from 5.60 to 5.40

source

Have they just announced this? Why would they do that two days before the Bank of England base rate meeting?

It's a dead cert and/or they're dropping for a reason other than the expected base rate cut so it doesn't matter.

Either that or they're trying to escape being on my list of interest rate cuts if the BOE base rate is cut on Thursday given that I generally don't include listing cuts where it was announced before the BOE Base Rate Decision.

I think I'll make an exception in this case though and say that if the BOE Base Rate is cut on Thursday I'll include the Loughborough BS cuts in my lists as the last two MPC decisions have been to hold the base rate and it's only 2 days out.

Besides I've already compiled a list of variable rate regular savers so it's ready to go just in case.

happybagger

nottsphil said:

happybagger said:

@Bridlington1

Loughborough BS

Rate changes effective 5 Jan 2026

open accounts 
Limited Access Monthly Saver from 4.45 to 4.25
2 Year Super Saver remains at 5.00

closed accounts
1 Year Super Saver from 6.00 to 5.80
Retirement Monthly Saver remains at 5.50
Holiday Monthly Saver from 5.60 to 5.40

source

Have they just announced this? Why would they do that two days before the Bank of England base rate meeting?

I was just checking the SS 2yr was still available to send a form off and saw the statement on the savings page.

I didn't get any post or email notification yet