Being nosey... How many Regular Saver accounts do you have?

clairec666

PixelPound said:

Given we are in a rate cutting environment it's surprising how many decent paying ones they are. I'm funding 5 that range from 6% - 7.5% and that's over £2Kpm. I have others under 6% that I no longer fund or only sporadically.

Things have been skewed a bit by good old Monmouthshire and their £1000 a month at 7%. Because of that, I'm not able to fund all my 6% accounts at the moment. So my average is higher than last year.

Quite a lot of rates have stayed stable throughout successive base rate cuts - Nationwide, Cooperative, both variable but haven't dropped in ages. First Direct and Virgin, fixed rate but continue to be offered at the same rate. And new ones like Progressive popping up.

trickydicky14

Bobblehat said:

arthurdick said:

Hi Bobbles, 
I will soon be sliding down the charts and out of the top 40 soon. (reminds me of sitting by the radio on a Sunday afternoon with my tape recorder, waiting to tape the records I liked) I have so many maturing this month and last month and I am adding a couple, but gawd knows how far down the charts I will slip.

I do like your little league table though, it adds a bit of fun.   cheers bobbles and cheers to the OP for starting the thread.

Thanks AD ... when you're happy to do so, send me your new figures.

Good memories of my dad with his tape recorder, me and my brother, all sat in front of the stereogram in the late 1950's  - early 60's listening to POTP. It was torture for us young 'uns to have to stay quiet for an hour, as dad only had a microphone to pick up the sound from the speakers (and us two if we moved). In my teen years I discovered a way of linking the stereogram directly to the tape via a modified lead ... earning me huge brownie points from my dad for leaving out the microphone and producing "noise-free" recordings 

I cherish the fact that the enforced silence unintentionally encouraged a life-long interest in pop music and even a spell in music retail and running a music venue as a career!

Enough of that ... I'll get back to Regular Savers!

Not arf pop pickers!

allegro120

clairec666 said:

PixelPound said:

Given we are in a rate cutting environment it's surprising how many decent paying ones they are. I'm funding 5 that range from 6% - 7.5% and that's over £2Kpm. I have others under 6% that I no longer fund or only sporadically.

Things have been skewed a bit by good old Monmouthshire and their £1000 a month at 7%. Because of that, I'm not able to fund all my 6% accounts at the moment. So my average is higher than last year.

Quite a lot of rates have stayed stable throughout successive base rate cuts - Nationwide, Cooperative, both variable but haven't dropped in ages. First Direct and Virgin, fixed rate but continue to be offered at the same rate. And new ones like Progressive popping up.

The same for all LBG's regular savers - fixed but offered at the same rates for a very long time.

The one with most allowance I have is Loughborough Super Saver (6%, £2k pm).  I think this one was for locals only???, but overall higher allowances are becoming more common.

Bridlington1

allegro120 said:

clairec666 said:

PixelPound said:

Given we are in a rate cutting environment it's surprising how many decent paying ones they are. I'm funding 5 that range from 6% - 7.5% and that's over £2Kpm. I have others under 6% that I no longer fund or only sporadically.

Things have been skewed a bit by good old Monmouthshire and their £1000 a month at 7%. Because of that, I'm not able to fund all my 6% accounts at the moment. So my average is higher than last year.

Quite a lot of rates have stayed stable throughout successive base rate cuts - Nationwide, Cooperative, both variable but haven't dropped in ages. First Direct and Virgin, fixed rate but continue to be offered at the same rate. And new ones like Progressive popping up.

The one with most allowance I have is Loughborough Super Saver (6%, £2k pm).  I think this one was for locals only???, but overall higher allowances are becoming more common.

Originally for locals only but the Ts&Cs were later updated to also allow existing Loughborough customers, residing anywhere in the UK who currently have a mortgage or savings account that was opened on or before the 1st of June 2025. This is how I got in.

Their 2YSS was the same in terms of eligibility.

exel1966

allegro120 said:

clairec666 said:

PixelPound said:

Given we are in a rate cutting environment it's surprising how many decent paying ones they are. I'm funding 5 that range from 6% - 7.5% and that's over £2Kpm. I have others under 6% that I no longer fund or only sporadically.

Things have been skewed a bit by good old Monmouthshire and their £1000 a month at 7%. Because of that, I'm not able to fund all my 6% accounts at the moment. So my average is higher than last year.

Quite a lot of rates have stayed stable throughout successive base rate cuts - Nationwide, Cooperative, both variable but haven't dropped in ages. First Direct and Virgin, fixed rate but continue to be offered at the same rate. And new ones like Progressive popping up.

The same for all LBG's regular savers - fixed but offered at the same rates for a very long time.

The one with most allowance I have is Loughborough Super Saver (6%, £2k pm).  I think this one was for locals only???, but overall higher allowances are becoming more common.

Prior to Covid Loughborough used to have the odd good RS, but they were notorious for dropping rates quickly after BoE base rate changes and then poor at increasing them, however something changed quite dramatically during 24/25 in their approach or need for cash injection and they brought out a number of good RS so I'm now paying in £4.3Kpm to them in 5 x RS.

allegro120

exel1966 said:

allegro120 said:

clairec666 said:

PixelPound said:

Given we are in a rate cutting environment it's surprising how many decent paying ones they are. I'm funding 5 that range from 6% - 7.5% and that's over £2Kpm. I have others under 6% that I no longer fund or only sporadically.

Things have been skewed a bit by good old Monmouthshire and their £1000 a month at 7%. Because of that, I'm not able to fund all my 6% accounts at the moment. So my average is higher than last year.

Quite a lot of rates have stayed stable throughout successive base rate cuts - Nationwide, Cooperative, both variable but haven't dropped in ages. First Direct and Virgin, fixed rate but continue to be offered at the same rate. And new ones like Progressive popping up.

The same for all LBG's regular savers - fixed but offered at the same rates for a very long time.

The one with most allowance I have is Loughborough Super Saver (6%, £2k pm).  I think this one was for locals only???, but overall higher allowances are becoming more common.

Prior to Covid Loughborough used to have the odd good RS, but they were notorious for dropping rates quickly after BoE base rate changes and then poor at increasing them, however something changed quite dramatically during 24/25 in their approach or need for cash injection and they brought out a number of good RS so I'm now paying in £4.3Kpm to them in 5 x RS.

I only have 3. Retirement, Holiday and 1 year Super.  Am I missing some good ones from Loughborough?

exel1966

allegro120 said:

exel1966 said:

allegro120 said:

clairec666 said:

PixelPound said:

Given we are in a rate cutting environment it's surprising how many decent paying ones they are. I'm funding 5 that range from 6% - 7.5% and that's over £2Kpm. I have others under 6% that I no longer fund or only sporadically.

Things have been skewed a bit by good old Monmouthshire and their £1000 a month at 7%. Because of that, I'm not able to fund all my 6% accounts at the moment. So my average is higher than last year.

Quite a lot of rates have stayed stable throughout successive base rate cuts - Nationwide, Cooperative, both variable but haven't dropped in ages. First Direct and Virgin, fixed rate but continue to be offered at the same rate. And new ones like Progressive popping up.

The same for all LBG's regular savers - fixed but offered at the same rates for a very long time.

The one with most allowance I have is Loughborough Super Saver (6%, £2k pm).  I think this one was for locals only???, but overall higher allowances are becoming more common.

Prior to Covid Loughborough used to have the odd good RS, but they were notorious for dropping rates quickly after BoE base rate changes and then poor at increasing them, however something changed quite dramatically during 24/25 in their approach or need for cash injection and they brought out a number of good RS so I'm now paying in £4.3Kpm to them in 5 x RS.

I only have 3. Retirement, Holiday and 1 year Super.  Am I missing some good ones from Loughborough?

As above + 2 year Super and Fixed rate Monthly (NLA).

Kim_13

exel1966 said:

allegro120 said:

exel1966 said:

allegro120 said:

clairec666 said:

PixelPound said:

Given we are in a rate cutting environment it's surprising how many decent paying ones they are. I'm funding 5 that range from 6% - 7.5% and that's over £2Kpm. I have others under 6% that I no longer fund or only sporadically.

Things have been skewed a bit by good old Monmouthshire and their £1000 a month at 7%. Because of that, I'm not able to fund all my 6% accounts at the moment. So my average is higher than last year.

Quite a lot of rates have stayed stable throughout successive base rate cuts - Nationwide, Cooperative, both variable but haven't dropped in ages. First Direct and Virgin, fixed rate but continue to be offered at the same rate. And new ones like Progressive popping up.

The same for all LBG's regular savers - fixed but offered at the same rates for a very long time.

The one with most allowance I have is Loughborough Super Saver (6%, £2k pm).  I think this one was for locals only???, but overall higher allowances are becoming more common.

Prior to Covid Loughborough used to have the odd good RS, but they were notorious for dropping rates quickly after BoE base rate changes and then poor at increasing them, however something changed quite dramatically during 24/25 in their approach or need for cash injection and they brought out a number of good RS so I'm now paying in £4.3Kpm to them in 5 x RS.

I only have 3. Retirement, Holiday and 1 year Super.  Am I missing some good ones from Loughborough?

As above + 2 year Super and Fixed rate Monthly (NLA).

2 year Super is still available but I'm guessing it's the least competitive of the five, requiring £500 minimum funding per month at 5%.

s71hj

Bobblehat said:

s71hj said:

I have now had a very kind friend make me a spreadsheet (cos I'm rubbish at stuff like that) so next weeks task is to fill it in, at which point I'll have my figures. I'm going to guess 55 total for me and my wife's added together. 

What? You've managed to administer ~55 RS's without a spreadsheet!! I'm impressed 

I've probably administered them rather badly... But no longer. Any spreadsheet tips gladly welcomed. The legend that is Bridlington1 has already reached out to me on this 

trickydicky14

s71hj said:

Bobblehat said:

s71hj said:

I have now had a very kind friend make me a spreadsheet (cos I'm rubbish at stuff like that) so next weeks task is to fill it in, at which point I'll have my figures. I'm going to guess 55 total for me and my wife's added together. 

What? You've managed to administer ~55 RS's without a spreadsheet!! I'm impressed 

I've probably administered them rather badly... But no longer. Any spreadsheet tips gladly welcomed. The legend that is Bridlington1 has already reached out to me on this 

Does anyone have a good spreadsheet template for RS's they are willing to share?