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

Bobblehat

clairec666 said:

Bobblehat said:

While King Bridlington1 was number bashing, I was also giving it a go too and came up with this using the King B's currently available page 1 listings 

Roughly agreeing with Kim_13's results ...


I didn't need to go into the "Local/loyal/beta/new customer only" category as I hit the £10,000 with the open to all section. It's interesting to see that you can throw £5,950pm at the currently available greater than 5.00% RS's, which will beat most current unlimited Easy Access accounts.

Worth mentioning that a lot of people in the league table will have Monmouthshire's 7% account, so we've got an extra £1000 going in at 7%. Hence why some people's monthly totals may seem rather high.

And of course other NLA accounts.

Also worth mentioning that I stopped counting once I added that last one to reach £10,000, so there are quite a few more RS's equal to or less than the 4.5% figure available to extend the £10,000 even further 

Bridlington1

Bobblehat said:

While King Bridlington1 was number bashing, I was also giving it a go too and came up with this using the King B's currently available page 1 listings 

Roughly agreeing with Kim_13's results ...


I didn't need to go into the "Local/loyal/beta/new customer only" category as I hit the £10,000 with the open to all section. It's interesting to see that you can throw £5,950pm at the currently available greater than 5.00% RS's, which will beat most current unlimited Easy Access accounts.

First of all I couldn't claim the title of King Bridlington1, so far as I'm concerned there's only one person who should be given the title of King in this country and that's Charles III.

Some further figures of note, if you were to take a look at the regular savers landscape as a whole, the last time I published one of my regular savers snapshots (9/9/25) the sum of the max monthly deposits of all regular savers available (at any rate) at the time was £42,250.

The sum of the accounts that were NLA at that time but that people could still hold was £33,225.

If you then include the fact that some of these listings were for ``any issue", e.g. for Leeds BS and Chorley BS are separate issues (but taken as a whole in the listing) you'd gain a further £13,450 of deposits if I'm not mistaken.

This gives a combined max total monthly pay in of £88,925, this figure does not include children's regular savers. Note it's impossible to hold all of these regular savers simultaneously, not least because you'd need to be aged both over 55 and under 26 at the same time.

Bobblehat

Honorary "King of Regular Savers" ... a bit like Burger King ... but for money savers? I'll stop there! 

clairec666

Presumably you haven't included multiple Principality accounts of the same issue

Bridlington1

clairec666 said:

Presumably you haven't included multiple Principality accounts of the same issue

I haven't, my figures only count each account once so also didn't include the fact that a select few accounts let you hold more than one of the same issue in sole name, e.g. MHBS.

kermchem

Bridlington1 said:

Bobblehat said:

While King Bridlington1 was number bashing, I was also giving it a go too and came up with this using the King B's currently available page 1 listings 

Roughly agreeing with Kim_13's results ...


I didn't need to go into the "Local/loyal/beta/new customer only" category as I hit the £10,000 with the open to all section. It's interesting to see that you can throw £5,950pm at the currently available greater than 5.00% RS's, which will beat most current unlimited Easy Access accounts.

First of all I couldn't claim the title of King Bridlington1, so far as I'm concerned there's only one person who should be given the title of King in this country and that's Charles III.

Some further figures of note, if you were to take a look at the regular savers landscape as a whole, the last time I published one of my regular savers snapshots (9/9/25) the sum of the max monthly deposits of all regular savers available (at any rate) at the time was £42,250.

The sum of the accounts that were NLA at that time but that people could still hold was £33,225.

If you then include the fact that some of these listings were for ``any issue", e.g. for Leeds BS and Chorley BS are separate issues (but taken as a whole in the listing) you'd gain a further £13,450 of deposits if I'm not mistaken.

This gives a combined max total monthly pay in of £88,925, this figure does not include children's regular savers. Note it's impossible to hold all of these regular savers simultaneously, not least because you'd need to be aged both over 55 and under 26 at the same time.

Given that the league table up-thread allows the total number of accounts held by a forumite and a spouse, then if you are over 55 with kids under 26 then even this exclusion fails! I guess if they were students in Bath it would help. 

Kim_13

20122013 said:

Bridlington1 said:

Bobblehat said:

While King Bridlington1 was number bashing, I was also giving it a go too and came up with this using the King B's currently available page 1 listings 

Roughly agreeing with Kim_13's results ...


I didn't need to go into the "Local/loyal/beta/new customer only" category as I hit the £10,000 with the open to all section. It's interesting to see that you can throw £5,950pm at the currently available greater than 5.00% RS's, which will beat most current unlimited Easy Access accounts.

First of all I couldn't claim the title of King Bridlington1, so far as I'm concerned there's only one person who should be given the title of King in this country and that's Charles III.

Some further figures of note, if you were to take a look at the regular savers landscape as a whole, the last time I published one of my regular savers snapshots (9/9/25) the sum of the max monthly deposits of all regular savers available (at any rate) at the time was £42,250.

The sum of the accounts that were NLA at that time but that people could still hold was £33,225.

If you then include the fact that some of these listings were for ``any issue", e.g. for Leeds BS and Chorley BS are separate issues (but taken as a whole in the listing) you'd gain a further £13,450 of deposits if I'm not mistaken.

This gives a combined max total monthly pay in of £88,925, this figure does not include children's regular savers. Note it's impossible to hold all of these regular savers simultaneously, not least because you'd need to be aged both over 55 and under 26 at the same time.

@Bridlington1 @Bobblehat @Kim_13 @clairec666 et al

While I am still looking at all the RS listings to get the figures (even using the moneyfactscompare's list), you all have already worked out the totals. What did you so you got it done so much faster (than me), please? Interested to know as it will be most helpful.  

Only went down to 6% because going lower would take longer 😂 Grouping them into categories in my post was part of the working, so that I then just had to total those up.

Bobblehat

Kim_13 said:

20122013 said:

Bridlington1 said:

Bobblehat said:

While King Bridlington1 was number bashing, I was also giving it a go too and came up with this using the King B's currently available page 1 listings 

Roughly agreeing with Kim_13's results ...


I didn't need to go into the "Local/loyal/beta/new customer only" category as I hit the £10,000 with the open to all section. It's interesting to see that you can throw £5,950pm at the currently available greater than 5.00% RS's, which will beat most current unlimited Easy Access accounts.

First of all I couldn't claim the title of King Bridlington1, so far as I'm concerned there's only one person who should be given the title of King in this country and that's Charles III.

Some further figures of note, if you were to take a look at the regular savers landscape as a whole, the last time I published one of my regular savers snapshots (9/9/25) the sum of the max monthly deposits of all regular savers available (at any rate) at the time was £42,250.

The sum of the accounts that were NLA at that time but that people could still hold was £33,225.

If you then include the fact that some of these listings were for ``any issue", e.g. for Leeds BS and Chorley BS are separate issues (but taken as a whole in the listing) you'd gain a further £13,450 of deposits if I'm not mistaken.

This gives a combined max total monthly pay in of £88,925, this figure does not include children's regular savers. Note it's impossible to hold all of these regular savers simultaneously, not least because you'd need to be aged both over 55 and under 26 at the same time.

@Bridlington1 @Bobblehat @Kim_13 @clairec666 et al

While I am still looking at all the RS listings to get the figures (even using the moneyfactscompare's list), you all have already worked out the totals. What did you so you got it done so much faster (than me), please? Interested to know as it will be most helpful.  

Only went down to 6% because going lower would take longer 😂 Grouping them into categories in my post was part of the working, so that I then just had to total those up.

I ignored Moneyfacts and went straight to Bridlington1's page 1. I manually started at the top and typed in two columns for Interest and Max pm for each RS that met the criteria ... the rest was easy spreadsheet jiggery-pokery.

Bridlington1

20122013 said:

Bridlington1 said:

Bobblehat said:

While King Bridlington1 was number bashing, I was also giving it a go too and came up with this using the King B's currently available page 1 listings 

Roughly agreeing with Kim_13's results ...


I didn't need to go into the "Local/loyal/beta/new customer only" category as I hit the £10,000 with the open to all section. It's interesting to see that you can throw £5,950pm at the currently available greater than 5.00% RS's, which will beat most current unlimited Easy Access accounts.

First of all I couldn't claim the title of King Bridlington1, so far as I'm concerned there's only one person who should be given the title of King in this country and that's Charles III.

Some further figures of note, if you were to take a look at the regular savers landscape as a whole, the last time I published one of my regular savers snapshots (9/9/25) the sum of the max monthly deposits of all regular savers available (at any rate) at the time was £42,250.

The sum of the accounts that were NLA at that time but that people could still hold was £33,225.

If you then include the fact that some of these listings were for ``any issue", e.g. for Leeds BS and Chorley BS are separate issues (but taken as a whole in the listing) you'd gain a further £13,450 of deposits if I'm not mistaken.

This gives a combined max total monthly pay in of £88,925, this figure does not include children's regular savers. Note it's impossible to hold all of these regular savers simultaneously, not least because you'd need to be aged both over 55 and under 26 at the same time.

@Bridlington1 @Bobblehat @Kim_13 @clairec666 et al

While I am still looking at all the RS listings to get the figures (even using the moneyfactscompare's list), you all have already worked out the totals. What did you so you got it done so much faster (than me), please? Interested to know as it will be most helpful.  

For my final calculations I cheated and used excel, I took the figures from the most recent tab of the spreadsheet below (appears on p1 of the Archived regular savers thread (no chat) for future reference).

https://1drv.ms/x/c/ed08144cbc200a55/EaupzKC4EMZBvIROcFha9mEB5Vv0KnUAX4ciPhequsBdXQ

As for the listings on p1 of the main thread I used an assumed mean, which is either more convoluted or lazier than just summing them the normal way depending on your viewpoint.

I made a guess of the average maximum monthly pay in of the regular savers on the list then multiplied it by the total number of regular savers. I then just went through the list and added or subtracted the difference between the true max pay in and my guessed mean.

In this case there are 51 regular savers open to all. To count them quicker I used ctrl+F and searched for ``Special conditions:", this told me there were 76 items and includes recently NLA regular savers. I then searched for ``~~~~~~NLA" to give a total of 9 NLA regular savers and subtracted this to get 67 accounts that are currently available. All I manually counted was the 4 children's RSs and 12 local/loyal/beta/new customer ones and subtracted these numbers from 67 to get 51 open to all.

I then guessed that the mean max monthly pay in of the accounts would be £250 per account***. This gives a guess for the total pay ins of £250*51 = £12,750. 

I then just summed the difference between each max pay in and my guess and added it to the £12,750.

E.g. Principality 6 Month RS has a max pay in of £200, which is £50 less than my guess of £250 so this gives -£50
Zopa RS has a max pay in of £300, which is £50 more than my guess of £250 so this gives +£50.
Co-op has a max pay in of £250, which is exactly my guess so gives £0 and can be ignored.

In this case you'll see a lot of the adjustments cancel each other out as PBS's 6Mth RS and Zopa do so can be grouped together and also ignored.

This method brought me to the figures I came to.

*** A more accurate mean would've been £500 but I chose £250 because it meant a larger chunk of my adjustments were zero so could be skipped over. 

s71hj

Bobblehat said:

clairec666 said:

Bobblehat said:

While King Bridlington1 was number bashing, I was also giving it a go too and came up with this using the King B's currently available page 1 listings 

Roughly agreeing with Kim_13's results ...


I didn't need to go into the "Local/loyal/beta/new customer only" category as I hit the £10,000 with the open to all section. It's interesting to see that you can throw £5,950pm at the currently available greater than 5.00% RS's, which will beat most current unlimited Easy Access accounts.

Worth mentioning that a lot of people in the league table will have Monmouthshire's 7% account, so we've got an extra £1000 going in at 7%. Hence why some people's monthly totals may seem rather high.

And of course other NLA accounts.

Also worth mentioning that I stopped counting once I added that last one to reach £10,000, so there are quite a few more RS's equal to or less than the 4.5% figure available to extend the £10,000 even further 

Some will accidentally have got it twice and pretended they haven't noticed they are funding 2