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The Top Regular Savers Discussion Thread
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I'll try and play it tactically - prioritise funding accounts which allow more withdrawals. So Hanley and Darlington (2 withdrawals per year) will be bottom of the pile for January. Most of my other accounts are either fixed rate or unlimited withdrawals. Skipton tracks the base rate so we know where we stand there.Kim_13 said:Whatever happens, I hope they announce any rate reductions before year end so that an informed decision can be made as to what to fund in January. Nothing worse than a rate cut just after you’ve funded that account in favour of another.2 -
Or have a new issue at a lower rate? Progressive are well known for reducing their interest rates which is why some of us have ended up with a 5.5% Rainy Day (Issue 3) Saver Account (albeit personally emptied except for £1) which we can't close as per T&C'sGetRichOrDieSaving said:
Yes mine also, which they are probably well aware of. I would think they will reduce issue 5 to 6% following the anticipated base rate cut tomorrow.10_66 said:
Typical, my 5.50% one (on which they won't allow closures) matures in a couple of weeks' time 🙄Bridlington1 said:Progressive BS Online Regular Rainy Day Saver Account (Issue 4) at 7% appears to be NLA, p1 of this thread and the archived thread shall be updated this evening.
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Says the same for me. I’ve been lucky with it until now, it’s never given me an issue before.checkly said:Anyone else got problems accessing Monmouthshire accounts this morning? ‘My Accounts’ is not displaying at all on the website and on the app I just get ‘Customer not found. Please try again’.
Always worked previously and no indication of any maintenance….🤷0 -
Mon BS App (on Android) working OK for me at approx 19:15 .........Kim_13 said:
Says the same for me. I’ve been lucky with it until now, it’s never given me an issue before.checkly said:Anyone else got problems accessing Monmouthshire accounts this morning? ‘My Accounts’ is not displaying at all on the website and on the app I just get ‘Customer not found. Please try again’.
Always worked previously and no indication of any maintenance….🤷0 -
With the next BOE Base Rate decision being tomorrow (18/12/25), I thought now may be a good time to post a more up to date version of the list of both currently available and NLA regular savers that I've posted a few times over the last couple of years.
Currently Available:
Bank/building society Name Mth Type Withdrawals/early closure Rate Fix/var Min Max Principality BS 6 Month Regular Saver Issue 4 C Early closure only 7.50% F £0 £200 Zopa Regular Saver Pot A Unlimited 7.10% V £0 £300 Co-operative Bank Regular Monthly Saver C Unlimited 7.00% V £0 £250 First Direct Regular Saver Account A Closure s.t very low interest rate 7.00% F £25 £300 Hanley Economic BS 1 Year Branch Smart Saver (TAR09) C 2 withdrawals/yr else 30 day interest hit 6.50% V £25 £300 Manchester BS Festive Regular Saver C Unlimited 6.50% V £0 £150 Nationwide BS Flex Regular Saver Issue 7 C 3 penalty free wdls/yr 6.50% V £0 £200 Newcastle BS Festive Regular Saver C Unlimited 6.50% V £0 £150 Principality BS Christmas 2026 Regular Saver C Early Closure Only 6.50% F £0 £150 Scottish BS Regular Saver C Unlimited 6.50% V £0 £250 Bath BS 16-25 Regular Saver C 2 withdrawals/yr 6.40% V £10 £50 Lloyds Club Lloyds Monthly Saver C Unlimited 6.25% F £0 £400 AIB Regular Saver C Unlimited 6.00% V £0 £500 Cambridge BS Extra Reward Regular Saver Issue 2 C None 6.00% F £0 £300 Dudley BS Loyalty One Year Regular Saver C Early closure only 6.00% V £0 £500 Monmouthshire BS Regular Saver Issue 8 C Unlimited 6.00% V £0 £500 Skipton BS Members Regular Saver Issue 5 C Early closure only 6.00% V £0 £250 West Brom BS Fixed Rate Regular Saver Issue 7 C None 6.00% F £0 £250 Market Harborough BS Fixed Term Regular Saver (30.11.2026) C Early closure only after missed payments 5.80% F £10 £250 Vernon BS Online Regular Saver C Early closure only 5.75% V £0 £250 Bank of Scotland Regular Saver C Unlimited 5.50% F £0 £250 Halifax Regular Saver C Early closure only 5.50% F £0 £250 Manchester BS Regular Saver Issue 1 C Unlimited 5.50% V £0 £500 Natwest Digital Regular Saver C Unlimited 5.50% V £0 £150 Newcastle BS Monument Regular Saver C Unlimited 5.50% V £0 £500 RBS Digital Regular Saver C Unlimited 5.50% V £0 £150 Skipton BS Regular Saver Issue 2 C Early closure only 5.50% V £0 £250 Lloyds Monthly Saver C Unlimited 5.25% F £0 £250 Mansfield BS Bonus Regular Savings (8th issue) C 2 withdrawals/yr else 90 day interest hit 5.25% V £10 £250 Newcastle BS Regular Saver Issue 1 C Unlimited 5.25% V £0 £200 Chorley BS Regional 2 Year Flexible Saver (30.11.2027) C Early closure only 5.15% V £0 £400 Chorley BS Regular Saver (all issues) C Early closure only 5.15% V £0 £400 Kent Reliance Regular Savings Account (Issue 12) C Unlimited 5.10% V £1 £500 Aldermore Regular Saver Account Issue 3 C Unlimited 5.00% V £0 £300 Cambridge BS Reward Regular Saver Issue 3 C Closure s.t 90 day interest penalty 5.00% F £0 £300 Dudley BS One Year Regular Saver Issue 9 C Early closure only 5.00% V £0 £500 Hinckley & Rugby BS Christmas Saver 30 Day Notice C Unlimited Subject to 30 day notice 5.00% V £0 £100 HSBC Regular Saver A closure s.t very low interest rate 5.00% F £25 £250 Loughborough BS 2 Year Super Saver C 1 withdrawal/yr 5.00% V £500 £1,000 Santander Regular e-saver A Unlimited 5.00% F £0 £200 Suffolk BS 1 Year Fixed Rate Regular Saver (31.01.2027) C None 5.00% F £0 £500 Suffolk BS Online 1 Year Fixed Rate Regular Saver (31.01.2027) C None 5.00% F £0 £250 TSB Monthly Saver C Unlimited 5.00% F £0 £250 Principality BS 1 Year Triple Access Regular Saver C 3 penalty free wdls/yr 4.95% V £0 £50 Principality BS Regular Savings Bond Issue 36 C Early closure only 4.85% F £0 £250 YBS Loyalty Regular (e)Saver C 2 withdrawals/yr 4.85% V £0 £250 Leeds BS Home Deposit Saver C 1 withdrawal/yr 4.80% V £0 £500 Newcastle BS First Home Regular Saver (Issue 1) C Unlimited 4.80% V £0 £500 Darlington BS 12 Month Regular Saver Issue 3 C 2 withdrawals/yr 4.75% V £0 £250 Ford Money Step Up Saver C Unlimited 4.75% F £0 £200 Leeds BS Regular Saver (all issues except 55 & 58) C 1 withdrawal/yr 4.70% V £0 £250 YBS First Home (e)Saver C 1 withdrawal/yr 4.70% V £0 £500 Coventry BS First Home Saver Issue 2 C 60 day notice or interest penalty 4.50% V £0 £1,000 Cumberland BS Regular Saver Issue 3 C Interest hit of 0.65% if 2+ deposits missed or 2+ withdrawals 4.50% V £0 £250 SBI Regular Saver Account Issue 2 C Unlimited but shall suffer an interest penalty 4.50% F £20 £1,000 Stafford Railway BS Regular Saver Issue 1 C 4 withdrawals/yr 4.40% V £25 £1,000 Chorley BS Home Saver C 2 withdrawals/yr 4.25% V £0 £500 Loughborough BS Limited Access Monthly Saver C 1 withdrawal/yr 4.25% V £1 £2,000 From 5/1/26 Nottingham BS Online Regular Saver Issue 3 C Unlimited 4.25% V £0 £500 Nottingham BS Branch Regular Saver 6 C Unlimited 4.25% V £0 £500 YBS Regular Saver C 2 withdrawals/yr 4.25% V £0 £250 Leek BS Regular Saver Account Issue 3 C 3 withdrawals/yr 4.20% V £0 £500 Principality BS First Home Steps Issue 5 C 3 penalty free wdls/yr inc closure 4.20% V £0 £1,000 Coventry BS Regular Saver Issue 6 A 30 day interest penalty 4.15% V £0 £500 Saffron BS Small Saver C 1 withdrawal/mth 4.15% V £1 £50 Hinckley & Rugby BS Regular Saver 30 Day Notice Issue 2 C Unlimited Subject to 30 day notice 4.10% V £10 £1,000 Cumberland BS First Home Saver Account Issue 2 C Unlimited subject to 90 day notice 4.00% V £100 £1,500 Furness BS 1Y Regular Saver Issue 6 C 1 withdrawal/yr 4.00% V £1 £250 GB Bank Regular Saver C None 4.00% V £0 £250 Saffron BS Members 12 Month Regular Saver C Unlimited 3.95% V £0 £500 Bath BS Homestart Regular Saver C 2 withdrawals/yr 3.85% V £50 £250 Darlington BS Home Saver C 2 withdrawals/yr 3.75% V £0 £500 Earl Shilton Regular Monthly Saver C 2 withdrawals/yr, £10 hit if no payment 3.60% V £10 £1,000 Mansfield BS Regular eSaver C Unlimited Subject to 30 day notice 3.60% V £10 £500 Progressive BS First Home Saver Issue 2 C Unlimited 3.50% V £0 £500 Progressive BS Online First Home Saver Issue 3 C Unlimited 3.50% V £0 £500 Bath BS Regular Saver C 1 withdrawal/yr 3.35% V £20 £250 Beverley BS Monthly Saver C Interest hit of 0.5% 3.30% V £10 £1,000 Newbury BS Home Saver C 2 withdrawals/yr 3.20% V £10 £500 Ecology BS Regular Saver C 2 withdrawals/yr 3.10% V £25 £250 Progressive BS Clockwork Regular Saver Issue 2 C 1 withdrawal/yr 2.75% V £20 £500 Buckinghamshire BS Regular Saver C Unlimited 2.65% V £0 £1,000 Market Harborough BS Members Regular Saver C Unlimited Subject to 30 day notice 2.65% V £10 £3,000 West Brom BS Access Regular Saver C Unlimited 2.35% V £20 £2,000 Loughborough BS Regular Monthly Saver Account C Unlimited 2.05% V £0 £1,000 From 5/1/26 Hanley Economic BS Branch Regular Saver C 5 withdrawals/yr 1.45% V £20 £500 NLA:
Bank/building societyName Mth Type Withdrawals/early closure Rate Fix/var Min Max Saffron BS Members Month Loyalty Saver C 1 withdrawal/mth 8.00% F £0 £50 Principality BS 6 Month Regular Saver Issue 3 C Early closure only 7.50% F £0 £200 Zopa Regular Saver Pot A Unlimited 7.50% F £0 £300 Monmouthshire BS App Exclusive Regular Saver C Unlimited 7.00% V £0 £1,000 Monmouthshire BS Branch Exclusive Regular Saver C Unlimited 7.00% V £0 £500 Principality BS Christmas 2025 Regular Saver C Early Closure Only 7.00% F £0 £125 Progressive BS Online Regular Rainy Day Saver Issue 4 C Unlimited 7.00% V £0 £300 Hanley Economic BS 1 Year Online Smart Saver (TAR10) C 2 withdrawals/yr else 30 day interest hit 6.50% V £25 £300 Melton BS Adcock Regular Saver C Unlimited 6.50% V £0 £150 Nationwide BS Flex Regular Saver Issue 4 C 3 penalty free wdls/yr 6.50% V £0 £200 Nationwide BS Flex Regular Saver Issue 5 C 3 penalty free wdls/yr 6.50% V £0 £200 Nationwide BS Flex Regular Saver Issue 6 C 3 penalty free wdls/yr 6.50% V £0 £200 Virgin Money Exclusive Regular Saver Issue 2 C Unlimited 6.50% F £0 £250 Virgin Money Exclusive Regular Saver Issue 3 C Unlimited 6.50% F £0 £250 Virgin Money Exclusive Regular Saver Issue 4 C Unlimited 6.50% F £0 £250 Darlington BS 12 Month Regular Saver Issue 2 C 2 withdrawals/yr 6.00% V £0 £250 Market Harborough BS Fixed Term Regular Saver (31.03.2026) C Early closure only after missed payments 6.00% F £10 £250 Market Harborough BS Limited Edition Regular Saver (04.11.2026) - Branch Exclusive C Early closure only after missed payments 6.00% F £10 £300 Melton BS Regular Saver 6 C Unlimited 6.00% V £0 £200 Principality BS 2 Year Healthy Saver Bond C Early closure only 6.00% F £0 £50 Skipton BS Members Regular Saver Issue 4 C Early closure only 6.00% V £0 £250 TSB Monthly Saver C Unlimited 6.00% F £0 £250 YBS 50 Pound Regular (e)Saver C 3 withdrawals/yr 6.00% V £0 £50 Loughborough BS 1 Year Super Saver C 1 withdrawal/yr 5.80% V £1,000 £2,000 From 5/1/26 Market Harborough BS Fixed Term Regular Saver (31.06.2026) C Early closure only after missed payments 5.80% F £10 £250 Market Harborough BS Fixed Term Regular Saver (31.09.2026) C Early closure only after missed payments 5.80% F £10 £250 Beverley BS Regular Saver Issue 1 C 4.5% Interest hit 5.50% V £10 £150 Loughborough BS Five Year Retirement Monthly Saver C 2 withdrawals/yr 5.50% V £55 £550 Progressive BS Online Regular Rainy Day Saver Issue 3 C Unlimited 5.50% V £0 £300 Skipton BS Regular Saver Issue 1 C Early closure only 5.50% V £0 £250 Loughborough BS Holiday Monthly Saver C 1 withdrawal/yr (1st June-31st May) 5.40% V £1 £250 From 5/1/26 Gatehouse Regular Monthly Saver Issue 2 C None 5.30% F £0 £300 Coventry BS Loyalty Mortgage Saver C 30 day interest penalty 5.25% V £0 £1,000 Coventry BS Loyalty Seasonal Saver A Unlimited 5.25% V £0 £250 Furness BS Christmas Regular Saver Issue 2 C 1 withdrawal/yr 5.25% V £1 £500 Nottingham BS Branch Regular Saver C Unlimited 5.25% V £0 £500 Chorley BS Regional 2 Year Flexible Saver (28.02.2027) and all subsequent issues C Early closure only 5.15% V £0 £400 Chorley BS Regional 2 Year Flexible Saver (31.01.2027) C Early closure only 5.15% V £0 £300 Principality BS Regular Savings Bond Issue 35 C Early closure only 5.15% F £0 £250 Loughborough BS 1Y Fixed Monthly Saver Issue 2 C None 5.05% F £1 £500 Melton BS Regular Saver 5 C Unlimited 5.00% V £0 £500 Penrith BS Regular E-Saver 200 C 4 withdrawals/yr 5.00% V £0 £200 Penrith BS Regular Saver 200 Issue 2 C 2 withdrawals/yr 5.00% V £0 £200 Penrith BS Regular Saver 300 (Heartland only) C 3 penalty free wdls/yr 5.00% V £1 £300 SBI Regular Saver Account Issue 1 C Unlimited but shall suffer an interest penalty 5.00% F £20 £1,000 Suffolk BS 1 Year Fixed Rate Regular Saver (30.06.2026) C None 5.00% F £0 £500 Suffolk BS 1 Year Fixed Rate Regular Saver (30.11.2026) C None 5.00% F £0 £500 Suffolk BS Online 1 Year Fixed Rate Regular Saver (30.06.2026) C None 5.00% F £0 £500 Suffolk BS Online 1 Year Fixed Rate Regular Saver (30.09.2026) C None 5.00% F £0 £250 Suffolk BS Online 1 Year Fixed Rate Regular Saver (30.11.2026) C None 5.00% F £0 £250 Suffolk BS 1 Year Fixed Rate Regular Saver (30.09.2026) C None 5.00% F £0 £500 Coventry BS Loyalty Regular Saver Issue 3 A 30 day interest penalty 4.90% V £0 £250 Leeds BS Regular Saver Issues 55 & 58 C 1 withdrawal/yr 4.85% V £0 £250 Suffolk BS Online 1 Year Fixed Rate Regular Saver (31.07.2026) C None 4.85% F £0 £250 Suffolk BS 1 Year Fixed Rate Regular Saver (31.07.2026) C None 4.85% F £0 £500 Coventry BS Loyalty Mortgage Saver (2) C 30 day interest penalty 4.80% V £0 £1,000 Leeds BS Home Deposit Saver Issue 2 C 1 withdrawal/yr 4.80% V £0 £500 Leeds BS Home Deposit Saver Issue 3 C 1 withdrawal/yr 4.80% V £0 £500 Darlington BS 12 Month Regular Saver Issue 1 C 2 withdrawals/yr 4.75% V £0 £250 Nottingham BS Online Regular Saver C Unlimited 4.75% V £0 £500 Nottingham BS Online Regular Saver Issue 2 C Unlimited 4.75% V £0 £500 Nottingham BS Branch Regular Saver 2 C Unlimited 4.75% V £0 £500 Nottingham BS Branch Regular Saver 3 C Unlimited 4.75% V £0 £500 Nottingham BS Branch Regular Saver 4 C Unlimited 4.75% V £0 £500 Nottingham BS Branch Regular Saver 5 C Unlimited 4.75% V £0 £500 Suffolk BS 1 Year Variable Rate Regular Saver (31.03.2026) C None 4.60% V £10 £500 Suffolk BS 1 Year Variable Rate Regular Saver (31.12.2025) C None 4.60% V £10 £500 Suffolk BS Online 1 Year Variable Rate Regular Saver (31.03.2026) C None 4.60% V £10 £500 Suffolk BS Online 1 Year Variable Rate Regular Saver (31.12.2025) C None 4.60% V £10 £500 Aldermore Regular Saver Account Issue 2 C Unlimited 4.50% V £0 £300 Coventry BS First Home Saver Issue 1 C Unlimited 4.50% V £0 £1,000 Suffolk BS 2 Year Variable Rate Regular Saver (31.12.2026) C None unless 2 payments missed 4.40% V £10 £1,000 Suffolk BS Variable Rate Regular Saver (31.05.2026) C None unless 2 payments missed 4.40% V £10 £1,000 Suffolk BS Variable Rate Regular Saver (31.12.2025) C None unless 2 payments missed 4.40% V £10 £500 Saffron BS Ware Regular Saver C Unlimited 4.20% V £1 £250 Hanley Economic BS Online Regular Saver C 5 withdrawals/yr 4.15% V £250 £1,000 Skipton BS Home Deposit Saver Issue 1 C Early Closure Only 4.01% V £0 £500 Skipton BS Home Deposit Saver Issue 2 C Early Closure Only 4.01% V £0 £500 Skipton BS Home Deposit Saver Issue 3 C Early Closure Only 4.01% V £0 £500 Skipton BS Home Deposit Saver Issue 4 C Early Closure Only 4.01% V £0 £500 Furness BS 1Y Regular Saver Issue 5 C 1 withdrawal/yr 4.00% V £1 £250 Progressive BS Online Regular Rainy Day Saver Issue 2 C Unlimited 4.00% V £0 £300 Mansfield BS Regular Savings 30 (1st issue) C Unlimited Subject to 30 day notice 3.60% V £10 £500 Mansfield BS (2nd- 6th issues, including 150th anniversary issue) C Unlimited Subject to 30 day notice 3.40% V £10 £500 Mansfield BS Kick Start Regular Savings Issue 7 C Unlimited Subject to 30 day notice 3.40% V £10 £500 Monmouthshire BS Regular Saver Issue 5 C Unlimited 3.15% V £0 £350 Monmouthshire BS Regular Saver Issue 6 C Unlimited 3.15% V £0 £350 Monmouthshire BS Regular Saver Issue 7 C Unlimited 3.15% V £0 £350 Virgin Money Home Buying Regular Saver Issue 27-29 C Unlimited 3.00% F £0 £250 Buckinghamshire BS Regular Saver Locals C Unlimited 2.65% V £0 £500
The above lists now appear on a new tab of the regular savers snapshots spreadsheet (available on the link below), a link to which appears on p1 of The Archived History Of Regular Savers Thread *** NO CHAT***, thread.
https://1drv.ms/x/c/ed08144cbc200a55/EaupzKC4EMZBvIROcFha9mEB5Vv0KnUAX4ciPhequsBdXQ35 -
Nothing personal but 'devastation' is a little melodramatic. We have all milked this one for a long time and now it is running dry. Let's be grateful for what we have made knowing full well it was against the rules. Time to move on down the milking parlour.mhoc said:I literally have no idea where I am now but I am holding my breath.
One of my Principalities matured today and as far as I know the maturity instructions were rejected by secure message - there is another maturing tomorrow, also rejected maturity instructions - so I've not logged into Principality today and really I was going to wait until Friday to see what the full devastation was.
Just checked the current account and £1222 odd has arrived so at 1st glance it looks like £150 has rolled over ... (similar amount arrived on the 5th from a mature account but that was followed by £150 later in the same day at about 4 in the afternoon)
Still time for the extra £150 to arrive tomorrow .I choose the rooms that I live in with care,
The windows are small and the walls almost bare,
There's only one bed and there's only one prayer;
I listen all night for your step on the stair.2 -
Yes exactly. The current issue is Issue 4 but that is NLA, so the next issue (Issue 5) will be at reduced rate I can only presume…Dizzycap said:
Or have a new issue at a lower rate? Progressive are well known for reducing their interest rates which is why some of us have ended up with a 5.5% Rainy Day (Issue 3) Saver Account (albeit personally emptied except for £1) which we can't close as per T&C'sGetRichOrDieSaving said:
Yes mine also, which they are probably well aware of. I would think they will reduce issue 5 to 6% following the anticipated base rate cut tomorrow.10_66 said:
Typical, my 5.50% one (on which they won't allow closures) matures in a couple of weeks' time 🙄Bridlington1 said:Progressive BS Online Regular Rainy Day Saver Account (Issue 4) at 7% appears to be NLA, p1 of this thread and the archived thread shall be updated this evening.
No doubt the latest issue (Issue 4) will also be reduce following tomorrow. But if it drops to 6.5% from 7% that would still do for me.1 -
Dudley Loyalty One Year Regular SaverHas anyone managed to 'renew' in any way, shape or form this, please?0
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BOE base rate cut from 4% to 3.75%.
As a result the following cuts shall come into effect within 14 days:
Skipton BS Regular Saver (Issue 1 & 2) from 5.5% to 5.25%
Skipton BS Member Regular Saver (Issue 4 & 5) from 6% to 5.75%
I shall once again be maintaining a list of regular savers that have had their rates changed following the BOE base rate cut today, a list shall be posted once some more cuts have come in, a link shall be included on page 1 of the archived thread for ease of reference.
Thresholds for accounts to be included on p1 of this thread remain under review.32
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