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The Top Regular Savers Discussion Thread
Welcome to this thread
The main purposes of this thread are two-fold:
- To provide a list of the top regular savers currently on offer
- To provide a place for all forum users to discuss regular saver accounts and ask any questions about them that you may have
This thread is intended to complement Martin Lewis' article which you can read here: Regular Savings Accounts.
Structure of this thread
The first few posts shall contain a continually updated list of the top regular savers currently on offer and shall be regularly edited by myself to ensure it remains up to date.I have included a summary of the terms and conditions of each account as these can be complicated with regular savings accounts. I would advise you to look at these terms and conditions to check that the account is suitable for you.Unless indicated otherwise, you can only open one of each account.Key updates to this thread are added to the The Archived History Of Regular Savers Thread *** NO CHAT***, thread, which runs parallel to this thread.I am only adding accounts where the interest rate is 4.15% or better, or 3.95% if the account has favourable conditions (e.g. you can pay in £500 per month or more, the interest rate is fixed, or if the account matures after at least 2 years).
Thresholds for regular savers to be included in this thread are regularly reviewed by myself and may be altered at any point, if they are changed I shall post an announcement in both this thread and The Archived History Of Regular Savers Thread *** NO CHAT***.
I have divided up the information here into the following sections:
- Regular Savers Open To All - Regular savers that can be opened by anyone over the age of 21 and has no maximum age, with no postcode/regional restrictions, is not restricted to new customers only and does not require you to have been an existing member for any length of time. Note the account must be available to residents in England, Wales, Scotland and Northern Ireland to be included in this list. This section does include accounts which require you to hold another current/savings account in order to open it so long as opening the other account immediately makes you eligible for the regular saver. This section has been split over 3 posts due to character limits on the forum.
- Local/Loyal/Beta/Age Restricted/New Member Only accounts - Regular savers that are not restricted to those under the age of 21 but has a maximum age to apply and/or postcode/regional restrictions and/or requires you to have been an existing member for any length of time or excludes existing customers from applying. This section also includes regular savers that have only been offered to selected customers including those which are in their beta phase.
- Children's regular savers - Regular savers that are restricted to those under the age of 21.
- Recently No Longer Available accounts - These are accounts that have been withdrawn since the start of this calendar month but which people may be in the process of applying for.
How this thread operates
I am happy for people to use this thread to discuss the regular savers that appear on this list as well as any regular savers that have since been withdrawn but which continue to be held by some, this includes details of people's experiences of the maturity process of regular savers. Feel free so share details of your regular saver collections, but please try and limit discussion on this thread to regular savings accounts.
Whenever I make any changes to the first page of this thread I shall make a post detailing the changes in The Archived History Of Regular Savers Thread *** NO CHAT***, this includes but is not limited to a new account being added to the lists, an account being removed due to interest rate reductions or being withdrawn, interest rate changes and changes to the thresholds I set for inclusion to the lists.
Updates shall be made as and when it comes to my attention that new accounts have been launched, been withdrawn or have had their interest rates changed so in most cases both this thread and the no chat thread should be updated the day a change is reported in this thread.
If you notice a regular saver account that meets the criteria for being included on this thread that isn't already listed, you notice an account listed on this thread has just been withdrawn or an interest rate change is announced affecting any of the regular savers on this list then please feel free to post a message on this thread detailing the changes.
Regular saver ISA accounts are not included in this thread as these have been included in Kazza242's long running Cash ISAs: The Best ISAs Currently Available List.
On the final day of the month I post a summary of all the accounts which have been added and/or removed within the last month, when this happens the Recently No Longer Available Accounts Section is emptied. The monthly updates are posted in this thread and a link to these posts is included on the first page of The Archived History Of Regular Savers Thread *** NO CHAT***.
Points to note
If you'd like to bookmark a link that takes you to the post after the last one you've read (or the latest post if you've read all of them) then use this:
If you wish to receive automatic alerts when new posts are added to this thread then use the following instructions. Login, go to the top of any page in this thread and click the bookmark icon.
If you are not sure whether the best place for your money is in a regular savings account or another type of savings account then look at the article How to Start Saving.
Whilst children's regular savers have been included I would strongly recommend that you read the section about the tax implications for interest from children's accounts in MSE's article Best Child Savings.
For those with a lump sum they wish to drip-feed into regular savers, please see the the MSE list of the best current accounts that pay interest . Alternatively you could place a lump sum in an easy access account and move money across to regular savers. See @soulsaver 's existing Top Easy Access acs Ranked: Top of The Pots - **No Chat** thread for a regularly updated list of the top easy access accounts.
You may also be interested in the following threads:
The Archived History Of Regular Savers Thread *** NO CHAT***
How can regular savings accounts offer such good interest rates?
Are Regular Savers still worth it? (Calculations and discussion regarding drip feeding lump sums into regular savings accounts)
Is there a best time of the month to deposit in Regular Savers?
The Faster Payments Cut Off Times List
Sometimes you can earn cashback for opening one of the accounts on this thread. If you wish to discuss these offers, please use The Cashback for Bank or Investment Accounts Discussion Thread, where a list of these offers is also maintained.
Many people use spreadsheets to manage their regular saver collection. If you wish to discuss spreadsheets including help with setting them up, please use The Banking & Savings Spreadsheet Discussion Thread.
Many people use regular savers as a way to save some money aside each month whilst simultaneously benefitting from earning a higher rate of interest for doing so, if this is you then I would strongly recommend having a look at the Save £12k in 2026 challenge (or any other amount to challenge yourself!).
In addition I maintain the Regular Saver Timeline Spreadsheet,
Common abbreviations and terms you may see used in this thread
- Account Month - This is a month beginning on the day of the month you opened a regular saver account as opposed to a calendar month, e.g. if you opened a regular saver on 20th January, the first account month would be 20th January - 19th February, the second account month would be 20th February - 19th March etc.
- Refresh/renew (an account) - Close an account to reopen the same account.
- NLA - No Longer Available, usually used in reference to a regular saver that has been withdrawn to new applicants.
- Var - Variable
- Fix - Fixed
- RS - Regular Saver
- P.A - Per Annum
- AER - Annual Equivalent Rate
- N/A - Not Applicable
- BS - Building Society
- EA - Easy Access
History & background of this thread
Thanks to numerous forum users for their contributions to this and previous versions of this thread over the years.
This is the 6th version of this thread.The first four versions were maintained by @special _Saver2 for over 17 years (due to technical issues, the thread has had to be re-started three times). The first version was before 2007, the second version lasted from 2007 to 2018, the third version was from 2018 to 2020, the fourth version was from February 2020 to December 2024, the fifth version was from 28/12/24-29/1/26.
Previous threads run by @special _Saver2 took the form of an introduction to regular savers with a list of the top regular savers with summaries of their Ts&Cs on page 1 of the thread, with the remainder of the thread devoted to discussing the accounts on the first page of the thread.
After the arrival of a baby daughter @special _Saver2 took the decision to hand over the running of this thread to me in December 2024 in order to spend more time with their family and I have maintained it since 28th December 2024.
Upon taking over the thread I restructured the first page of the thread, halving the number of sections from 8 to 4, relaxing the scope of what can be discussed in this thread to include accounts that have been withdrawn and their maturity processes.
I also took the decision that the existing ``An Archived List Of Regular Saver Ts&Cs" thread should become an archive of any changes that happen to the top regular savers and be renamed to ``The Archived History Of Regular Savers Thread *** NO CHAT***" thread.
For a full summary of the changes I made on 28/12/24 see the link below:
https://forums.moneysavingexpert.com/discussion/comment/81187240/#Comment_81187240
On 31/8/25 I added a new section, the ``Recent Additions" section to give a snapshot of which accounts have recently been added to the main regular savers lists.
The rollout of a new text editor in January 2026 caused formatting issues when transferring listings from the archived thread to p1 of the 5th version of the thread and vice versa. To counteract this I took the decision to transfer the listings to excel, formatting them as tables and then launching a new version of this thread (the version you are reading).
Comments
-
Recent Additions:
Launched 13/2/26
Launched 13/2/26
Launched 12/2/26
Principality BS 1 Year Regular Saver Bond (Issue 37) at 4.75%
Launched 12/2/26
Launched 12/2/26
Launched 6/2/26
Suffolk 1 Year Fixed Rate Regular Saver (30.04.2027) at 4.9%
Launched 4/2/26
Suffolk BS Online 1 Year Fixed Rate Regular Saver (30.04.2027) at 4.9%
Launched 4/2/26
Hanley Economic BS 1 Year Online Smart Saver (TAR10) at 6.3%
Relaunched 3/2/26***
Launched 2/2/26
Chorley BS Regional 2 Year Flexible Saver (31.01.2028)at 5.1%
Launched 2/2/26
Launched 2/2/26
Launched 1/2/26
Please see listings further down this page for full details. Please note the list above is partially emptied twice monthly on 15th and the final day of each month.
5 -
Regular Savers Open To All Part 1:
Launched 12/2/26
Interest rate
7.5% AER fixed
Monthly payment
£0-£200 per calendar month
Miss any payments
Yes, you can miss as many as you wish
Penalty-free withdrawals
No withdrawals allowed but early closure is permitted without penalty
Age of applicant
Aged 16 or over
How to open account
Branch or online
Length of account term
6 months from the date of opening
Maximum balance
£1,200
Deposits on non-working days
Treated as having been received the same day.
Special conditions
N/A
Launched 6/2/26
Interest rate
7.1% gross p.a. variable
Monthly payment
£0-£300 per account month
Miss any payments
No penalty for missing any payments
Penalty-free withdrawals
Unlimited
Age of applicant
Aged 18 or over
How to open account
App
Length of account term
6 months from opening
Maximum balance
N/A
Deposits on non-working days
Treated as having been received the same day.
Special conditions
You must hold both a Zopa current account and a Zopa Smart Saver to open this account.
Interest rate
7% gross p.a. fixed
Monthly payment
£25-£300 per account month
Miss any payments
No
Penalty-free withdrawals
No, you can close the account early with all interest paid at their standard variable Saving Account interest rate.
Age of applicant
18
How to open account
Online or app
Length of account term
12 months from the date of opening
Maximum balance
N/A
Deposits on non-working days
N/A- payment by standing order only which is processed on working days only.
Special conditions
Payments must be made by standing order from your First Direct current account and must be made on the monthiversary of the account being opened. If you pay in less than £300 per month then you can make up the extra amount in future months - your maximum balance goes up by £300 per month. You must hold a First Direct 1st current account for as long as you hold this account. You can vary the standing order amount by telephone.
Interest rate
7% gross p.a. variable
Monthly payment
£0-£250 per calendar month
Miss any payments
Yes, as many as you like
Penalty-free withdrawals
Yes, as many as you like
Age of applicant
Aged 16 or over
How to open account
Branch or online
Length of account term
12 months from the date of opening
Maximum balance
N/A
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
You must already have a Co-operative Bank current account. To keep the account open, you must pay in at least £1 within 30 days of it being opened. The 12 month term will start from the date they accept your first deposit rather than the date you open the account and you have 30 days to make your initial deposit.
Launched 1/9/25
Interest rate
6.5% gross p.a. variable
Monthly payment
£0-£200 per calendar month
Miss any payments
No stated penalty for missing any payments
Penalty-free withdrawals
Three penalty-free withdrawals
Age of applicant
At least 16 years old
How to open account
Online only
Length of account term
12 months from the date of opening
Maximum balance
N/A
Deposits on non-working days
Treated as having been received the same day.
Special conditions
Only available to Nationwide current account holders. You can only be named on one Flex Regular Saver product at any time (of any issue).
Launched 2/2/26
Interest rate
6.5% AER Fixed
Monthly payment
£0-£250 per calendar month
Miss any payments
Yes, as many as you like
Penalty-free withdrawals
Unlimited
Age of applicant
At least 16 years old
How to open account
Online if 18+, branch if 16+
Length of account term
Matures 26/2/27
Maximum balance
N/A
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
You must have a Virgin Money personal current account (excluding Essential Current Account or Virgin Money Current Account) to be able to open the account
Launched 20/10/25
Interest rate
6.3% gross p.a. variable from 1/2/26
Monthly payment
£25-£300 per calendar month
Miss any payments
If no subscriptions are made for 3 consecutive months or if 3 or more monthly subscriptions are missed throughout the Society year (1 September – 31 August) the Society, after giving you 30 days notice of our intention to do so, reserves the right to close the account and either return the balance or transfer it to an Instant Access Account.
Penalty-free withdrawals
2 penalty-free withdrawals per tax year, all other withdrawals come with a 30 day interest penalty.
Age of applicant
18+
How to open account
Branch only
Length of account term
12 months from the date of opening
Maximum balance
£3,600
Deposits on non-working days
Faster payments treated as having been received the next working day if received after 3pm on a working day. Debit card deposits treated as having been received the same day.
Special conditions
Once opened can also be managed by post
Relaunched 3/2/26***
Interest rate
6.3% gross p.a. variable
Monthly payment
£25-£300 per calendar month
Miss any payments
If no subscriptions are made for 3 consecutive months or if 3 or more monthly subscriptions are missed throughout the Society year (1 September – 31 August) the Society, after giving you 30 days notice of our intention to do so, reserves the right to close the account and either return the balance or transfer it to an Instant Access Account.
Penalty-free withdrawals
2 penalty-free withdrawals per tax year, all other withdrawals come with a 30 day interest penalty.
Age of applicant
18+
How to open account
Online only
Length of account term
12 months from the date of opening
Maximum balance
£3,600
Deposits on non-working days
Faster payments treated as having been received the next working day if received after 3pm on a working day. Debit card deposits treated as having been received the same day.
Special conditions
***Originally launched 21/10/25
Interest rate
6.25% gross p.a. fixed
Monthly payment
£25-£400 per calendar month
Miss any payments
Yes, miss as many as you wish
Penalty-free withdrawals
Yes, as many as you wish
Age of applicant
Age 18 years old or older
How to open account
Branch, online, app or telephone
Length of account term
12 months from the date of opening
Maximum balance
N/A
Deposits on non-working days
Treated as having been received the same day.
Special conditions
You must have a Club Lloyds account. There is nothing to stop you having this account and a Lloyds Monthly Saver at the same time (and many MSE Forum Users have both accounts). You can only open one Club Lloyds Monthly Saver every 12 months. If you close the account within 12 months of opening it, you won’t be able to open another one until after the anniversary date.
Launched 1/2/26
Interest rate
6% AER variable
Monthly payment
£1-£500 per calendar month
Miss any payments
No- account closed if a payment is missed
Penalty-free withdrawals
2 penalty free withdrawals per year plus closure
Age of applicant
13+
How to open account
Branch
Length of account term
1 year from opening
Maximum balance
£6000
Deposits on non-working days
Treated as having been received the same day if received before 12pm on Saturdays, otherwise treated as having been receive the next working day
Special conditions
N/A
Launched 1/10/25
Interest rate
6% AER variable from 30/1/26
Monthly payment
£0-£250 per calendar month
Miss any payments
Yes, miss as many as you wish
Penalty-free withdrawals
Unlimited provided £50+ remains in the account
Age of applicant
Aged 18+
How to open account
Branch/post
Length of account term
1 year from opening
Maximum balance
N/A
Deposits on non-working days
Treated as having been received the same day.
Special conditions
N/A
Launched 22/1/26
Interest rate
6% AER variable (includes 2.75% bonus for 1 year)
Monthly payment
£1-£500 per calendar month
Miss any payments
No stated penalty for missing payments
Penalty-free withdrawals
1 per calendar year including closure, withdrawals by post can be made by cheque only.
Age of applicant
No minimum age stated
How to open account
Branch or post
Length of account term
No maturity date but bonus lasts for 12 months from account opening, after which account reverts to 3.25% variable
Maximum balance
£20,000
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
N/A
Launched 5/1/26
Interest rate
6% gross p.a. fixed
Monthly payment
£1-£100 per calendar month
Miss any payments
No stated penalty for missing payments
Penalty-free withdrawals
None until maturity
Age of applicant
No minimum
How to open account
Branch or online
Length of account term
Matures 31/10/26
Maximum balance
£1,000
Deposits on non-working days
Treated as having been received the same day.
Special conditions
If you want to open this account online, you must live in one of their branch postcode areas B (Birmingham), DY, WV, WS or SY.
If you make 5 or more deposits of £1+ during the account term you'll be entered into a prize draw in which you could win £250.Interest rate
6% gross p.a. variable from 26th October 2023
Monthly payment
£0-£500 per calendar month
Miss any payments
Miss as many as you wish
Penalty-free withdrawals
Yes, as many as you wish
Age of applicant
At least 18 years old
How to open account
Branch or online
Length of account term
No stated end date but with caveat (see below)
Maximum balance
N/A
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
You can continue to save into this account after 12 months but the balance that will earn this interest rate will reset to £500 per month of new deposits (existing deposits within the first 12 months will then earn a lower interest rate). You need to have an AIB (NI) Select Account or Current Account.
Launched 20/1/26
Interest rate
5.75% gross p.a. fixed
Monthly payment
£0-£250 per calendar month
Miss any payments
Yes, you can miss one payment
Penalty-free withdrawals
No withdrawals permitted.
Age of applicant
Any age; for under 18s, the account must be opened by an adult in the capacity of Trustee.
How to open account
Branch only, unless applying on behalf of someone under 18, in which case it can be opened by post.
Length of account term
Matures 31/3/2027
Maximum balance
N/A
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
Customers may only have two Fixed Term Regular Saver accounts open at a time, either solely or jointly, with a combined maximum deposit of £500 per month (£250 in each account). Further deposits into this product may be prohibited at any time. When they do this, they will update the relevant section within the ‘Current interest rates for withdrawn products’ page of mhbs.co.uk. They will not personally notify you when they do this.
Interest rate
5.5% gross p.a. fixed
Monthly payment
£25-£250 per calendar month
Miss any payments
Yes, miss as many as you like
Penalty-free withdrawals
Yes, as many as you wish
Age of applicant
Age 16 years old or older
How to open account
Branch, online, app or telephone
Length of account term
12 months from the date of opening
Maximum balance
N/A
Deposits on non-working days
Treated as having been received the same day.
Special conditions
You must have a Bank of Scotland current account. If you close the account early, you won’t be able to open another one until a year after you opened the account.
Interest rate
5.5% gross p.a. fixed
Monthly payment
£25-£250 per calendar month
Miss any payments
Yes, miss as many as you like
Penalty-free withdrawals
No withdrawals except for account closure
Age of applicant
Age 16 years old or older
How to open account
Branch, online, app or telephone
Length of account term
12 months from the date of opening
Maximum balance
N/A
Deposits on non-working days
Treated as having been received the same day.
Special conditions
They will open an Everyday Saver account as part of this application. After 12 months any money you’ve saved in your Regular Saver plus interest will transfer into your Everyday Saver account and your Regular Saver will renew for another 12 months.
Launched 19/12/25
Interest rate
5.5% AER variable
Monthly payment
£0-£250 per calendar month
Miss any payments
Yes, as many as you wish
Penalty-free withdrawals
Unlimited
Age of applicant
Aged 16 or over
How to open account
Branch and post
Length of account term
12 months from opening
Maximum balance
£3,250
Deposits on non-working days
Treated as having been received the same day.
Special conditions
n/a
Launched 16/10/25
Interest rate
5.4% AER Variable from 21/1/26
Monthly payment
£0-£500 per calendar month
Miss any payments
Yes, as many as you like
Penalty-free withdrawals
Unlimited
Age of applicant
At least 16 years old
How to open account
Branch (monument branch only) or online (via a QR code available at the Monument branch)
Length of account term
2 years from opening
Maximum balance
£12,000
Deposits on non-working days
Treated as having been received the same day.
Special conditions
n/a
Launched 17/9/25***
Interest rate
5.4% AER Variable from 21/1/26
Monthly payment
£0-£500 per calendar month
Miss any payments
Yes, as many as you like
Penalty-free withdrawals
Unlimited
Age of applicant
At least 16 years old
How to open account
Branch/online
Length of account term
2 years from opening
Maximum balance
£12,000
Deposits on non-working days
Treated as having been received the same day.
Special conditions
Deposits must come from your nominated account. *** First noted on 22/9/25 but appears to've been launched on 17/9/25
4 -
Regular Savers Open To All Part 2:
Interest rate
5.25% AER (5.13% gross) on balances of £5k or less and 1% AER/gross on balances of over £5k from 19/1/26
Monthly payment
£0-£150*** per calendar month
Miss any payments
Yes, as many as you wish
Penalty-free withdrawals
Yes, as many as you wish. No interest paid in the month the account is closed.
Age of applicant
16 years or over
How to open account
Online or app
Length of account term
No maturity date
Maximum balance
£5k for the top rate of interest
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
You must have a current account with them. ***Money paid into the account through ``round ups" and ``rewards" do not count towards the £150 monthly limit.
Interest rate
5.25% AER (5.13% gross) on balances of £5k or less and 1% AER/gross on balances of over £5k from 19/1/26
Monthly payment
£0-£150*** per calendar month
Miss any payments
Yes, as many as you wish
Penalty-free withdrawals
Yes, as many as you wish. No interest paid in the month the account is closed.
Age of applicant
16 years or over
How to open account
Online or app
Length of account term
No maturity date
Maximum balance
£5k for the top rate of interest
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
You must have a current account with them. ***Money paid into the account through ``round ups" and ``rewards" do not count towards the £150 monthly limit.
Interest rate
5.25% gross p.a. fixed
Monthly payment
£25-£250 per calendar month
Miss any payments
Yes, miss as many as you like
Penalty-free withdrawals
Yes, as many as you like
Age of applicant
Age 16 years old or older
How to open account
Branch, online, app or telephone
Length of account term
12 months from the date of opening
Maximum balance
N/A
Deposits on non-working days
Treated as having been received the same day.
Special conditions
You must have a Lloyds current account. There is nothing to stop you having this account and a Club Lloyds Monthly Saver at the same time (and many MSE Forum Users have both accounts). You can only open one Lloyds Monthly Saver every 12 months. If you close the account within 12 months of opening it, you won’t be able to open another one until after the anniversary date.
Launched 11/11/25
Interest rate
5.25% AER variable (tracks 1.5% above the BOE base rate for 12 months) from 23/12/25
Monthly payment
£0-£200 per calendar month
Miss any payments
Yes, miss as many as you like
Penalty-free withdrawals
No withdrawals except for account closure
Age of applicant
Aged 16 and over
How to open account
Branch, online, post or telephone
Length of account term
12 months from date of first deposit
Maximum balance
£2,400
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
This account is available to those who don't already hold a product from Skipton's Regular Saver range (either a Member Regular Saver, Branch Member Regular Saver, Regular Saver or a Branch Regular Saver) at the time of application. Any unused monthly allowances can be rolled over to future months, up to a maximum of £2,400 over the 12-month term. Joint accounts are not allowed. You can only hold one Regular Saver account (either a Regular Saver or a Branch Regular Saver) in your name at any one time. If the Bank of England Base Rate changes, the new interest rate on your account will apply without notice, no more than 14 days after the change is effective.
Interest rate
5.15% AER variable from 21/1/26
Monthly payment
£0-£200 per calendar month
Miss any payments
Yes, miss as many as you like
Penalty-free withdrawals
Yes, as many as you wish
Age of applicant
Age 16 years old or older
How to open account
Branch or online
Length of account term
12 months from the date of opening
Maximum balance
£2,400 plus interest
Deposits on non-working days
Treated as having been received the same day.
Special conditions
N/A
Moved lists 13/1/25
Interest rate
5.1% AER variable from 1/2/26 (includes 1.85% bonus for 1 year)
Monthly payment
£10-£250 per calendar month
Miss any payments
Can miss two per year
Penalty-free withdrawals
Two withdrawals per calendar year, if you make a 3rd withdrawal (including account closure after the two free withdrawals) then you will pay a penalty equivalent to 90 days' interest, withdrawals by post can be made by cheque only.
Age of applicant
Age 16 or over
How to open account
Branch or post
Length of account term
No maturity date but bonus lasts for 12 months from account opening, after which account reverts to 3.4% variable
Maximum balance
£50,000
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
Can only be opened by those who live in Nottinghamshire, Derbyshire or South Yorkshire and/or existing members.
Launched 2/2/26
Interest rate
5.1% gross p.a. variable
Monthly payment
£25-£400 per calendar month
Miss any payments
Yes, miss as many as you like
Penalty-free withdrawals
None, but the account can be closed early without penalty
Age of applicant
Age 18 years old or older
How to open account
Branch, post or online
Length of account term
Matures on 31/1/27
Maximum balance
N/A
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
Initial deposit must be received by 28/2/26. Only one Regular Saver, one Seasonal Saver and one Regional 2 Year Flexible Saver can be held in any 12 month rolling period
Interest rate
5.1% gross p.a. variable from 21st February 2024
Monthly payment
£1-£500 per calendar month
Miss any payments
No, missed payments results in the account reverting to an easy access account
Penalty-free withdrawals
Yes, as many as you like
Age of applicant
No stated age limits
How to open account
Branch only
Length of account term
12 months from the date of opening
Maximum balance
£6,000
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
Account has a minimum operating balance of £25
Interest rate
5% gross p.a. fixed
Monthly payment
£25-£250 per account month
Miss any payments
No
Penalty-free withdrawals
No, you can close the account early with all interest paid at their standard variable Flexible Saver Account interest rate.
Age of applicant
18 years or over
How to open account
Online or by telephone
Length of account term
12 months from the date of opening
Maximum balance
N/A
Deposits on non-working days
Treated as having been received the same day. Payment by standing order are processed on working days only.
Special conditions
Regular deposits must be made by standing order each month. If you pay in less than £250 per month then you can make up the extra amount in future months - your maximum balance goes up by £250 per month. You must have one of the following HSBC current accounts
Interest rate
5% gross p.a. fixed
Monthly payment
£0-£200 per account month
Miss any payments
Yes, you can miss as many as you wish
Penalty-free withdrawals
Yes, as many as you wish
Age of applicant
Aged 16 or over
How to open account
Branch or online
Length of account term
12 months from the date of opening
Maximum balance
£2,400 plus interest
Deposits on non-working days
Treated as having been received the same day.
Special conditions
You must fund this account from a Santander current account (excluding 1|2|3 Mini In Trust) and you must be signed up for Online or Mobile Banking. If you don’t fund the account from your Santander current account or if you deposit more than £200 in any month, Santander reserve the right to change your account into an Everyday Saver. If you have paid into your Regular eSaver by standing order from your Santander current account (including one in joint names) that continues on beyond maturity, they will automatically renew your Regular eSaver for another 12 months at the interest rate and on the Terms and Conditions applicable at that time, and transfer the final balance at the end of the term (including interest earned) to your Santander current account from which the standing order was paid, including if your current account is in joint names. Alternatively, if you don't have a standing order in place when your Regular eSaver matures, Santander will transfer your final balance including interest earned to an Everyday Saver account. They will contact you with more details, together with your new interest rate, closer to your maturity date.
Launched 15/1/26
Interest rate
5% gross p.a. variable
Monthly payment
£0-£150 per calendar month
Miss any payments
Miss as many payments as you wish
Penalty-free withdrawals
Yes, 1 withdrawal days during the account term.
Age of applicant
Aged 16 or over
How to open account
Online if opening the eSaver, branch/post if opening the other version.
Length of account term
Matures 31/10/26
Maximum balance
£1,500
Deposits on non-working days
Treated as having been received the same day.
Special conditions
N/A
Launched 29/4/25
Interest rate
5% AER fixed
Monthly payment
£25-£250 per calendar month
Miss any payments
No stated penalty for missing any payments
Penalty-free withdrawals
Yes, as many as you wish
Age of applicant
Aged 16 years or over
How to open account
Branch or online
Length of account term
12 months from the date of opening
Maximum balance
£3,000
Deposits on non-working days
Treated as having been received the same day.
Special conditions
You must have a TSB current account to open this account. If you close your Monthly Saver before the end of the 12 month term, you won't be able to open another account before the first anniversary of this account.
Launched 4/2/26
Interest rate
4.9% AER Fixed
Monthly payment
£10-£300 per calendar month
Miss any payments
Yes, as many as you like
Penalty-free withdrawals
None
Age of applicant
At least 16 years old
How to open account
Branch/post
Length of account term
Matures 30/4/2027
Maximum balance
None stated other than £500,000 across all Suffolk BS accounts
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
N/A
Suffolk BS Online 1 Year Fixed Rate Regular Saver (30.04.2027)
Launched 4/2/26
Interest rate
4.9% AER Fixed
Monthly payment
£10-£300 per calendar month
Miss any payments
Yes, as many as you like
Penalty-free withdrawals
None
Age of applicant
At least 18 years old
How to open account
Online
Length of account term
Matures 30/4/2027
Maximum balance
None stated other than £500,000 across all Suffolk BS accounts
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
N/A
Launched 1/11/25
Interest rate
4.9% gross p.a. variable from 16/1/26
Monthly payment
£0-£100 per calendar month
Miss any payments
Yes, miss as many as you like
Penalty-free withdrawals
Unlimited subject to 30 days notice
Age of applicant
Age 18 years old or older
How to open account
Branch or post
Length of account term
Matures on 1/11/26
Maximum balance
£1200
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
N/A
Relaunched 16/7/25
Interest rate
4.8% gross p.a. variable
Monthly payment
£0-£500 per calendar month
Miss any payments
No stated penalties for missing any payments
Penalty-free withdrawals
One penalty free withdrawal per calendar year excluding closure subject to the minimum balance of £100 being maintained
Age of applicant
Aged 18 or older
How to open account
Branch, online or post
Length of account term
No maturity date
Maximum balance
£30,000 plus interest
Deposits on non-working days
Treated as having been received the same day.
Special conditions
There is a £500 bonus if you take out a residential mortgage subject to certain conditions (see website for more details). Withdrawals/closure can be made by faster payment over the phone.
Launched 12/2/26
Interest rate
4.75% gross p.a. fixed
Monthly payment
£0-£250 per calendar month
Miss any payments
Yes, as many as you wish
Penalty-free withdrawals
Penalty-free account closure allowed but otherwise no withdrawals until account maturity
Age of applicant
Age 16 or over
How to open account
Branch or online
Length of account term
12 months from the date of opening
Maximum balance
£3,000
Deposits on non-working days
Treated as having been received the same day.
Special conditions
N/A
Interest rate
4.75% AER variable from 5/2/26
Monthly payment
£0-£50 per calendar month
Miss any payments
Yes, as many as you like
Penalty-free withdrawals
You can take money out up to three times every calendar year. You can close the account at any time but closure counts as a withdrawal
Age of applicant
Age 16 or over
How to open account
Branch or online
Length of account term
12 months from the date of opening
Maximum balance
£600
Deposits on non-working days
Treated as having been received the same day.
Special conditions
N/A
5 -
Regular Savers Open To All Part 3:
Launched 19/6/25
Interest rate
4.75% AER variable from 16/1/26
Monthly payment
£0-£500 per calendar month
Miss any payments
Yes, as many as you wish
Penalty-free withdrawals
Early closure without penalty only
Age of applicant
Aged 16 or over
How to open account
Branch and post
Length of account term
12 months from opening
Maximum balance
£6,500
Deposits on non-working days
Treated as having been received the same day.
Special conditions
n/a
Launched 17/10/25
Interest rate
4.75% gross p.a. variable
Monthly payment
£0-£250 per calendar month
Miss any payments
Yes, as many as you wish
Penalty-free withdrawals
2 withdrawals permitted during the account term, the account shall be closed upon the third withdrawal
Age of applicant
Age 16 or over for branch/post applications, 18 for online applications
How to open account
Online, branch, post
Length of account term
Matures at the end of the 12th calendar month from opening, e.g. if you opened the account on 17/10/25 it would mature on 31/10/26
Maximum balance
N/A
Deposits on non-working days
Treated as having been received the same day.
Special conditions
N/A
Interest rate
4.75% gross p.a. fixed
Monthly payment
£25-£200 per calendar month
Miss any payments
No penalties for missing any payments
Penalty-free withdrawals
Unlimited
Age of applicant
Aged 16 or older
Length of account term
12 months from opening
Maximum balance
None other than £2,000,000 across all Ford Money accounts
How to open account
Online
Deposits on non-working days
Treated as having been received the same day.
Special conditions
Deposits must be made from your nominated account or another Ford Money account in your name.
Interest rate
4.7% gross p.a. variable from 10th December 2024
Monthly payment
£0-£500 per calendar month
Miss any payments
No stated penalties for missing any payments
Penalty-free withdrawals
The First Home eSaver/Saver account allows you unlimited number of withdrawals from your account on one day per account year based on the anniversary of the account opening date. If required you can close your account even if you have used your withdrawal day.
Age of applicant
Aged 16 or older
Length of account term
24 months from opening
Maximum balance
£12,000
How to open account
Online if opening the First Home eSaver, branch/post only for the First Home Saver account
Deposits on non-working days
Treated as having been received the same day.
Special conditions
You can only hold one First Home eSaver or First Home Saver account in your name. For joint accounts you can only be the Main Holder on one account but can be Other Holder on the second account. You can only hold a First Home eSaver account if you are saving towards owning your first home.
Launched 30/1/26
Interest rate
4.45% gross p.a. variable
Monthly payment
£0-£250 per calendar month
Miss any payments
Yes, miss as many as you wish
Penalty-free withdrawals
One withdrawal per calendar year (including account closure) is permitted subject to the minimum balance of £100 being maintained. Further withdrawals can be made subject to 30 days loss of interest on the amount withdrawn.
Age of applicant
Aged 18 or over
How to open account
Branch, online or post
Length of account term
Matures 1/2/2028
Maximum balance
£6,000 plus interest
Deposits on non-working days
Treated as having been received the same day.
Special conditions
You may only hold one Leeds Building Society Regular Saver product of any issue at a time. Withdrawals/closure can be made by faster payment over the phone.
Launched 12/2/26
Interest rate
4.25% gross p.a. fixed
Monthly payment
£20-£1,000 per calendar month
Miss any payments
None; if the minimum deposit is not made during a month, the interest rate will drop to the prevailing Instant Access Savings Account interest rate for that month
Penalty-free withdrawals
None; you will earn interest at a lower rate – the same rate offered on their Instant Access Savings Account for the month in which a withdrawal is made
Age of applicant
18 years or over
How to open account
To open a Regular Savers account, you must first have an SBIUK Instant Access Savings Account or Current Account. You can open this by visiting one of the SBIUK branches.
Length of account term
12 months from the date of opening
Maximum balance
N/A
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
You must have a current account or instant access savings account with them and use this to deposit funds into the regular saver account.
Interest rate
4.25% gross p.a. variable from 19/1/26
Monthly payment
£1-£1,000 per calendar month
Miss any payments
No stated penalties for missing any payments
Penalty-free withdrawals
You need to give 60 days' notice or have a 60 days' interest penalty for immediate withdrawals. The penalty for closing the account is waived if Coventry BS have announced a cut to the interest rate of this account in the last 30 days.
Age of applicant
Aged 16 or older
How to open account
Branch, online, post or telephone
Length of account term
36 months from opening
Maximum balance
£36,000 if opened on 1st of the month, £37,000 if opened on any other day
Deposits on non-working days
Treated as having been received the same day.
Special conditions
You will also be eligible for a Celebratory Bonus of £500 if your account has been continuously open for at least 6 calendar months, it has been 5 years or less since the account was opened and you, or a member of your family, are a first time buyer who has completed on a mortgage with Coventry BS in respect to a first residential home. For more information on this, please refer to the Specific Terms of this account.
Interest rate
4.25% gross p.a. variable from 5/1/26
Monthly payment
£1-£2000 per calendar month ***
Miss any payments
No stated penalties for missing any payments
Penalty-free withdrawals
1 withdrawal per account year (1st April-31st March)
Age of applicant
Aged 16 or older
Length of account term
No maturity date
Maximum balance
£50,000
How to open account
branch/post
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
*** This must be as a single payment, multiple deposits within the same month are not permitted even if the total amount deposited is less than £2000. Total maximum savings over a 12 month period is £24,000 (lump sum payments are not allowed).
Launched 24/9/25
Interest rate
4.25% AER variable
Monthly payment
£100-£500 per calendar month
Miss any payments
Yes, you can miss as many as you wish
Penalty-free withdrawals
2 withdrawals/yr plus closure
Age of applicant
Aged 18 or over
How to open account
Branch, post or online
Length of account term
5 years from the date of opening
Maximum balance
£30,000
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
May be eligible for £500 cashback on a Chorley BS mortgage (see Ts&Cs for full details)
Launched 13/2/26
Interest rate
4.25% AER variable
Monthly payment
£10-£500 per calendar month
Miss any payments
Yes, miss as many as you like
Penalty-free withdrawals
Unlimited withdrawals of £1+ provided at least £10 remains in the account
Age of applicant
Age 16 years old or older
How to open account
Branch only
Length of account term
Matures on 31/3/27
Maximum balance
£7500
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
The most you can withdraw in any one day is £500 in cash, or any amount by cheque.
Launched 13/2/26
Interest rate
4.25% AER variable
Monthly payment
£10-£500 per calendar month
Miss any payments
Yes, miss as many as you like
Penalty-free withdrawals
Unlimited withdrawals of £1+ provided at least £10 remains in the account
Age of applicant
Age 18 years old or older
How to open account
Online only
Length of account term
Matures on 31/3/27
Maximum balance
£7500
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
The most you can withdraw in any one day is £500 in cash, or any amount by cheque or online.
Re-added 31/12/25
Interest rate
4.25% AER variable from 2/10/25
Monthly payment
£0-£250 per calendar month
Miss any payments
Miss as many payments as you wish
Penalty-free withdrawals
Yes, 2 withdrawal days during the account term.
Age of applicant
Aged 16 or over
How to open account
Online if opening the eSaver, branch/post if opening the other version.
Length of account term
12 months from opening
Maximum balance
£3,000
Deposits on non-working days
Treated as having been received the same day.
Special conditions
N/A
Launched 13/5/25
Interest rate
4.2% gross p.a. variable from 2/1/26
Monthly payment
£0-£300 per calendar month
Miss any payments
Yes, as many as you wish
Penalty-free withdrawals
Yes, as many as you wish
Age of applicant
Age 18 or over
How to open account
Online
Length of account term
12 months from the date of opening
Maximum balance
N/A
Deposits on non-working days
Treated as having been received the same day.
Special conditions
You cannot open this account if you already have an Aldermore Regular Saver Account (Issue 1 or 2). Deposits must come from your nominated account or another Aldermore account in your name.
Interest rate
4.15% AER variable from 23/1/26
Monthly payment
£25-£1,000 per calendar month
Miss any payments
Yes, as long as you do not miss three payments in one Society year (1st November-31st October)
Penalty-free withdrawals
Yes, you can make 4 withdrawals per Society year (ending 31st October)
Age of applicant
Age not stated
How to open account
Branch, online or post
Length of account term
No maturity date
Maximum balance
£100,000 plus interest
Deposits on non-working days
Treated as having been received the same day.
Special conditions
Often restricts account opening to those living in the following postcodes ST14, ST15, ST16, ST17, ST18, ST19, ST20, ST21 and WS7, WS11, WS12, WS13, WS15.
Launched 23/1/25
Interest rate
4% AER variable from 5/2/26
Monthly payment
£0-£1,000 per calendar month
Miss any payments
Miss as many payments as you wish
Penalty-free withdrawals
Yes, 3 per calendar year including closure
Age of applicant
Aged 18 or over
How to open account
Branch/agency or online
Length of account term
No maturity date
Maximum balance
£50,000 plus interest
Deposits on non-working days
Treated as having been received the same day.
Special conditions
You can only open this account if you do not own or have not previously owned a property. If you complete on a Principality Building Society residential mortgage on your first home in England or Wales and your First Home Steps Account has been open between 1 and 5 years, with at least the minimum balance, you may be eligible for a Celebratory Bonus of £500 (see your First Home Steps Account account terms). The Celebratory Bonus will be paid into your First Home Steps Account on completion of the mortgage.
Re-added 31/12/25
Interest rate
4% gross p.a. variable from 19/1/26
Monthly payment
£0-£500 per account month
Miss any payments
Yes as many as you like
Penalty-free withdrawals
No, withdrawals/closure subject to a penalty of 30 days interest on the funds withdrawn. The penalty for closing the account is waived if Coventry BS have announced a cut to the interest rate of this account in the last 30 days.
Age of applicant
Aged 16 or over
How to open account
Online, branch, post, telephone
Length of account term
12 months from opening
Maximum balance
N/A
Deposits on non-working days
Treated as having been received the same day.
Special conditions
N/A
Hinckley and Rugby BS Regular Saver 30 Day Notice Account (Issue 2)
Re-added 31/12/25
Interest rate
4% AER variable from 16/1/26
Monthly payment
£1-£1,000 per calendar month
Miss any payments
No stated penalty for missing any payments
Penalty-free withdrawals
As many as you want but you have to provide 30 days' notice in writing, by telephone or in branch. Withdrawals can be made by cash (up to £500 per day) or by cheque.
Age of applicant
Aged 13 years old or older
How to open account
Branch or post
Length of account term
24 months from opening
Maximum balance
N/A
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
The account matures after 24 months. You can only hold one Regular Saver account (irrespective of the issue number) at any time.
Added 31/12/25
Interest rate
4% AER variable from 25/11/25
Monthly payment
£1-£250 per calendar month
Miss any payments
No stated penalty for missing any payments
Penalty-free withdrawals
Unlimited
Age of applicant
At least 16 years old
How to open account
Braintree branch only
Length of account term
36 months from the date of opening
Maximum balance
£9,000
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
You can only hold one Regular Saver or Small Saver per customer, be it held in sole or joint name(s), with Saffron Building Society at a time.
5 -
Local/Loyal/Beta/Age Restricted/New Member Only accounts:
Interest rate
6.15% gross p.a. variable from 2/2/26
Monthly payment
£10-£50 per calendar month
Miss any payments
Yes, just as long as you do not miss two consecutive months' payments in a row
Penalty-free withdrawals
Yes, two per calendar year
Age of applicant
Aged 16-25
How to open account
Branch, online or app
Length of account term
Matures on 26th birthday
Maximum balance
£7,000 including interest
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
Available to those who live, work or study in Bath and/or have held a Bath BS account continuously for at least the last 12 months.
Launched 6/1/26
Interest rate
6% gross p.a. variable from 6/1/26
Monthly payment
£0-£200 per calendar month
Miss any payments
Yes many as you wish
Penalty-free withdrawals
Unlimited
Age of applicant
Aged 18-30
How to open account
Online only
Length of account term
12 months from opening
Maximum balance
N/A
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
N/A
Launched 25/7/25
Interest rate
6% AER variable
Monthly payment
£0-£500 per calendar month
Miss any payments
Yes, miss as many as you like
Penalty-free withdrawals
Unlimited
Age of applicant
Aged 16 and over
How to open account
Branch/agency or app
Length of account term
12 months from date of first deposit
Maximum balance
£6,000
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
NI residents are excluded from opening this account.
Interest rate
6% gross p.a. fixed
Monthly payment
£0-£300 per calendar month
Miss any payments
Miss as many as you like
Penalty-free withdrawals
None. Closure is allowed subject to a 90 day interest penalty.
Age of applicant
Age 16 or over
How to open account
Branch, phone or post
Length of account term
12 months from account opening
Maximum balance
£3,600
Deposits on non-working days
Treated as having been received the same day.
Special conditions
Only for those who have held a savings or mortgage account with The Cambridge BS for at least three years. You may only hold one Regular Saver account with the Society at any one time; this includes their Regular Saver, Reward Regular Saver and Extra Reward Regular Saver accounts.
Launched 18/7/25
Interest rate
5.75% AER variable from 16/1/26
Monthly payment
£0-£500 per calendar month
Miss any payments
Yes, as many as you wish
Penalty-free withdrawals
Early closure without penalty only
Age of applicant
Aged 16 or over
How to open account
Branch and post
Length of account term
12 months from opening
Maximum balance
£6,500
Deposits on non-working days
Treated as having been received the same day.
Special conditions
Available to existing customers only (including maturities), over the age of 16 who are personal savers resident in the UK. You must have held a live savings or mortgage account on or before the 17th July 2025. Requires a minimum deposit of £50 to open the account.
Launched 11/11/25
Interest rate
5.75% AER variable (tracks 2% above the BOE base rate for 12 months) from 23/12/25
Monthly payment
£0-£250 per calendar month
Miss any payments
Yes, miss as many as you like
Penalty-free withdrawals
No withdrawals except for account closure
Age of applicant
Aged 16 and over
How to open account
Branch, online, post or telephone
Length of account term
12 months from date of first deposit
Maximum balance
£3,000
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
You need to hold a continuous membership with Skipton Building Society (a Savings Share account or a Mortgage) starting on or before 10th November 2025 with a minimum balance of £1. Any unused monthly allowances can be rolled over to future months, up to a maximum of £3,000 over the 12-month term. Joint accounts are not allowed. You can only hold one Member Regular Saver account (either a Member Regular Saver or a Branch Member Regular Saver) in your name at any one time. If the Bank of England Base Rate changes, the new interest rate on your account will apply without notice, no more than 14 days after the change is effective.
Interest rate
5.75% AER variable from 1/9/25
Monthly payment
£25-£250
Miss any payments
Yes, miss as many as you like
Penalty-free withdrawals
No withdrawals except for account closure
Age of applicant
Aged 18 and over
How to open account
Online
Length of account term
No end date with caveat (see below)
Maximum balance
N/A
Deposits on non-working days
Terms unclear, reports from forum users suggest deposits are treated as having been received the next working day.
Special conditions
A linked Easy Access account will be opened for you at the same time unless you already have one. Every 12 months, all but £1 of the money saved in this account is transferred to a linked Vernon Easy Access account in your name. This money can then be accessed as required and you are able to continue making monthly deposits into the Online Regular Saver. This account is only available to UK residents living in the following postcodes BL, CH, CW, M, OL, SK, WA or WN.
Launched 2/2/26
Interest rate
5.1% gross p.a. variable
Monthly payment
£25-£400 per calendar month
Miss any payments
Yes, miss as many as you like
Penalty-free withdrawals
2 withdrawals per year excluding early closure. If more than 2 withdrawals are made within a 12 month period the account shall be closed.
Age of applicant
Age 18 years old or older
How to open account
Branch, post or online
Length of account term
Matures on 31/1/28
Maximum balance
N/A
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
Initial deposit must be received by the 28/2/26. Only one Regular Saver, one Seasonal Saver and one Regional 2 Year Flexible Saver can be held in any 12 month rolling period. Must live in one of the following postcode areas (CA, FY, PR, LA, WN, BL, L, WA, BB, CH, M, SK, CW, OL).
Interest rate
5% gross p.a. fixed
Monthly payment
£0-£300 per calendar month
Miss any payments
Miss as many as you like
Penalty-free withdrawals
None. Closure is allowed subject to a 90 day interest penalty.
Age of applicant
Age 16 or over
How to open account
Branch, phone or post
Length of account term
12 months from account opening
Maximum balance
£3,600
Deposits on non-working days
Treated as having been received the same day.
Special conditions
Only for people who have held a savings or mortgage account with The Cambridge BS for at least 12 months. You may only hold one Regular Saver account with the Society at any one time; this includes their Regular Saver, Reward Regular Saver and Extra Reward Regular Saver accounts.
Interest rate
4.85% variable from 2/10/25
Monthly payment
£0-£250 per calendar
Miss any payments
No penalty for missing any payments
Penalty-free withdrawals
One withdrawal day during the 12 month period plus account closure at any time
Age of applicant
Aged 16 or over
How to open account
Online only or branch/post depending on which version of the account you apply for.
Length of account term
12 months from account opening
Maximum balance
£3,000
Deposits on non-working days
Treated as having been received the same day.
Special conditions
You must have an open account (Savings or Mortgage) with Yorkshire Building Society for at least 12 continuous and consecutive months prior to the date of application and already be registered for online access. Chelsea Building Society, Norwich & Peterborough Building Society and YBS Share Plan account holders will not be eligible to open a Loyalty Regular eSaver but can open the branch based Loyalty Regular Saver as an alternative, subject to having an open account (Savings or Mortgage) with them for at least 12 continuous and consecutive months prior to the date of application. You can only hold one Loyalty Regular eSaver or Loyalty Regular Saver account in your name. For joint accounts you can only be the Main Holder on one account but can be Other Holder on the second account. The maximum balance (excluding interest) is £3,000 at the end of the 1 year term.
Launched 2/12/25
Interest rate
4.8% AER Variable
Monthly payment
£0-£500 per calendar month
Miss any payments
Yes, as many as you like
Penalty-free withdrawals
Unlimited
Age of applicant
At least 18 years old
How to open account
Branch or online
Length of account term
2 years from opening
Maximum balance
£12,000
Deposits on non-working days
Treated as having been received the same day.
Special conditions
You must be a first-time buyer, purchasing your first residential property to open this account. You shall be eligible for a £500 bonus if you are a first time buyer and complete your first residential property with a Newcastle Building Society mortgage; apply for your mortgage directly with Newcastle Building Society using our mortgage advisors. Applications made through a mortgage broker are not eligible for the bonus; complete your mortgage within 5 years of opening your First Home Regular Saver account; Keep your First Home Regular Saver account open for at least 12 months; Save a minimum of £2,000 before the 2nd Annual Anniversary.
Interest rate
4.5% gross p.a. variable from 7/10/25 (reduces to 4.5% from 18/2/26)
Monthly payment
£0-£250 per calendar month
Miss any payments
Miss as many as you like
Penalty-free withdrawals
Unlimited
Age of applicant
Aged 18 years or older
How to open account
Branch
Length of account term
12 months from account opening
Maximum balance
£3,000 plus interest
Deposits on non-working days
Treated as having been received the same day.
Special conditions
This account is available to open for Cumberland Plus current account customers only and you must live in their operating area to open this account (Cumbria (all CA and LA postcodes), South-West Scotland (all DG postcodes and TD9), West Northumberland (NE45-49), North Lancashire (all PR, FY, LA AND BB1-2 and BB5-7)).
Interest rate
4.05% AER variable from 9/1/26
Monthly payment
£0-£500 per calendar month
Miss any payments
Miss as many as you like
Penalty-free withdrawals
3 penalty-free withdrawals per year plus closure
Age of applicant
Age 16 or over
How to open account
Branch, post or online
Length of account term
No maturity date
Maximum balance
£50,000
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
Only available to those who are an existing customer and have been for at least 12 months, or live in the following postcode areas - CW, SK, DE, TF, ST, WS15.
Added 31/12/25
Interest rate
4% gross p.a. variable from 7/10/25 (reduces to 3.75% from 18/2/26)
Monthly payment
£100-£1,500 per calendar month
Miss any payments
If you miss 2 or more consecutive payments, the account will be closed and the account balance transferred to an alternative instant access or savings account
Penalty-free withdrawals
Yes, subject to 90 days notice being given, withdrawals on demand are subject to 90 days loss of interest on the amount withdrawn
Age of applicant
Aged 16 years or older
How to open account
Branch
Length of account term
12 months from account opening
Maximum balance
£25,000 plus interest
Deposits on non-working days
Treated as having been received the same day.
Special conditions
This account is only available to open for first time buyers, over the age of 16, who are Cumberland current account customers.
5 -
Children's Regular Savers:
Interest rate
5.5% gross p.a. fixed
Monthly payment
£10-£100
Miss any payments
Yes, as many as you like
Penalty-free withdrawals
No withdrawals permitted except for early closure of the account
Age of applicant
Aged up to 15 years old (but the account can continue beyond the child's 15th birthday)
How to open account
Branch or online (but account can only be operated in branch)
Length of account term
12 months from account opening
Maximum balance
N/A
Deposits on non-working days
Treated as having been received the same day.
Special conditions
You can only open one account per child.
Penrith BS Junior Affinity Regular Saver - Red Squirrel Group
Interest rate
4.45% gross p.a. variable from 16/6/25
Monthly payment
£5-£100 per calendar month
Miss any payments
Yes, you can miss as many as you like
Penalty-free withdrawals
As many as you like
Age of applicant
Under 16
How to open account
Branch and post only
Length of account term
5 years from account opening
Maximum balance
None stated other than the Society’s total limit on combined savings should not exceed £250,000
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
N/A
Interest rate
4.45% gross p.a. variable from 16/6/25
Monthly payment
£5-£100 per calendar month
Miss any payments
Yes, you can miss as many as you like
Penalty-free withdrawals
As many as you like
Age of applicant
Under 16
How to open account
Branch and post only
Length of account term
5 years from account opening
Maximum balance
None stated other than the Society’s total limit on combined savings should not exceed £250,000
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
N/A
Added 31/12/25
Interest rate
4% AER Fixed
Monthly payment
£1-£150 per calendar month
Miss any payments
Miss as many as you wish
Penalty-free withdrawals
Early closure only
Age of applicant
Under 16
How to open account
Branch/post
Length of account term
3 years from the date of opening
Maximum balance
£5,400
Deposits on non-working days
Treated as having been received the same day.
Special conditions
The account must be opened for a child under 14 as a trust account. For a child aged 14 to 15 the account can be opened as a trust account or managed by themselves.
Re-added 31/8/25
Interest rate
4% AER variable from 19/1/26
Monthly payment
£1-£200 per calendar month
Miss any payments
Yes, you can miss as many as you like
Penalty-free withdrawals
As many as you like
Age of applicant
Aged 7 - 17
How to open account
Branch only
Length of account term
Matures when the child turns 18
Maximum balance
£5,000
Deposits on non-working days
Treated as having been received the same day.
Special conditions
N/A
Re-added 31/12/25
Interest rate
3.95% AER variable from 28/1/26
Monthly payment
£5-£100 per calendar month
Miss any payments
Yes, you can miss as many as you like
Penalty-free withdrawals
As many as you like
Age of applicant
Under 18
How to open account
Branch and post only
Length of account term
1 year from account opening
Maximum balance
£1,200
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
N/A
4 -
Recently NLA/Removed Regular Savers:
NLA 1/2/26
Launched 23/10/25 *** Ts&Cs updated 21/1/26
Interest rate
6.5% AER fixed
Monthly payment
£0-£150 per calendar month
Miss any payments
Yes, you can miss as many as you wish
Penalty-free withdrawals
No withdrawals allowed but early closure is permitted without penalty
Age of applicant
Aged 16 or over
How to open account
Branch or online
Length of account term
12 months from the date of opening
Maximum balance
£1,800
Deposits on non-working days
Treated as having been received the same day.
Special conditions
***This account can only be opened by members with a maturing account as a maturity option. Was previously open to all.
NLA 2/2/26
Launched 2/1/26
Interest rate
5.1% gross p.a. variable from 16/1/26
Monthly payment
£25-£400 per calendar month
Miss any payments
Yes, miss as many as you like
Penalty-free withdrawals
None, but the account can be closed early without penalty
Age of applicant
Age 18 years old or older
How to open account
Branch, post or online
Length of account term
Matures on 31/12/26
Maximum balance
N/A
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
Initial deposit must be received by 31/1/26. Only one Regular Saver, one Seasonal Saver and one Regional 2 Year Flexible Saver can be held in any 12 month rolling period
NLA 2/2/26
Launched 2/1/26
Interest rate
5.1% gross p.a. variable from 16/1/26
Monthly payment
£25-£400 per calendar month
Miss any payments
Yes, miss as many as you like
Penalty-free withdrawals
2 withdrawals per year excluding early closure. If more than 2 withdrawals are made within a 12 month period the account shall be closed.
Age of applicant
Age 18 years old or older
How to open account
Branch, post or online
Length of account term
Matures on 31/12/27
Maximum balance
N/A
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
Initial deposit must be received by the 31/1/26. Only one Regular Saver, one Seasonal Saver and one Regional 2 Year Flexible Saver can be held in any 12 month rolling period. Must live in one of the following postcode areas (CA, FY, PR, LA, WN, BL, L, WA, BB, CH, M, SK, CW, OL).
NLA 2/2/26
Launched 14/11/25
Interest rate
6.5% AER Variable
Monthly payment
£0-£150 per calendar month
Miss any payments
Yes, as many as you like
Penalty-free withdrawals
Unlimited
Age of applicant
At least 16 years old
How to open account
Branch
Length of account term
1 year from opening
Maximum balance
£1,800
Deposits on non-working days
Treated as having been received the same day.
Special conditions
Deposits must come from your nominated account.
NLA 4/2/26
Launched 22/12/25
Interest rate
5% AER Fixed
Monthly payment
£10-£500 per calendar month
Miss any payments
Yes, as many as you like
Penalty-free withdrawals
None
Age of applicant
At least 16 years old
How to open account
Branch/post
Length of account term
Matures 28/2/2027
Maximum balance
None stated other than £500,000 across all Suffolk BS accounts
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
N/A
NLA 4/2/26
Suffolk BS Online 1 Year Fixed Rate Regular Saver (28.02.2027)Launched 22/12/25
Interest rate
5% AER Fixed
Monthly payment
£10-£250 per calendar month
Miss any payments
Yes, as many as you like
Penalty-free withdrawals
None
Age of applicant
At least 16 years old
How to open account
Online
Length of account term
Matures 28/2/2027
Maximum balance
None stated other than £500,000 across all Suffolk BS accounts
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
N/A
NLA 6/2/26
Moved lists 24/6/25
Interest rate
7.1% gross p.a. variable
Monthly payment
£0-£300 per account month
Miss any payments
No penalty for missing any payments
Penalty-free withdrawals
Unlimited
Age of applicant
Aged 18 or over
How to open account
App
Length of account term
12 months from opening
Maximum balance
N/A
Deposits on non-working days
Treated as having been received the same day.
Special conditions
You must hold both a Zopa current account and a Zopa Smart Saver to open this account. Account was launched on 17/6/25 but remained in beta phase until 24/6/25.
NLA 12/2/26
Launched 28/8/25
Interest rate
7.5% AER fixed
Monthly payment
£0-£200 per calendar month
Miss any payments
Yes, you can miss as many as you wish
Penalty-free withdrawals
No withdrawals allowed but early closure is permitted without penalty
Age of applicant
Aged 16 or over
How to open account
Branch or online
Length of account term
6 months from the date of opening
Maximum balance
£1,200
Deposits on non-working days
Treated as having been received the same day.
Special conditions
N/A
NLA 12/2/26
Launched 13/3/25
Interest rate
4.85% gross p.a. fixed
Monthly payment
£0-£250 per calendar month
Miss any payments
Yes, as many as you wish
Penalty-free withdrawals
Penalty-free account closure allowed but otherwise no withdrawals until account maturity
Age of applicant
Age 16 or over
How to open account
Branch or online
Length of account term
12 months from the date of opening
Maximum balance
£3,000
Deposits on non-working days
Treated as having been received the same day.
Special conditions
N/A
NLA 12/2/26
Launched 14/2/25***
Interest rate
4.5% gross p.a. fixed
Monthly payment
£20-£1,000 per calendar month
Miss any payments
None; if the minimum deposit is not made during a month, the interest rate will drop to the prevailing Instant Access Savings Account interest rate for that month
Penalty-free withdrawals
None; you will earn interest at a lower rate – the same rate offered on their Instant Access Savings Account for the month in which a withdrawal is made
Age of applicant
18 years or over
How to open account
To open a Regular Savers account, you must first have an SBIUK Instant Access Savings Account or Current Account. You can open this by visiting one of the SBIUK branches.
Length of account term
12 months from the date of opening
Maximum balance
N/A
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
You must have a current account or instant access savings account with them and use this to deposit funds into the regular saver account *** Account added to lists on 19/2/25 but appears to have been launched on 14/2/25..
NLA 13/2/26
Launched 1/12/25
Interest rate
4.25% AER variable
Monthly payment
£10-£500 per calendar month
Miss any payments
Yes, miss as many as you like
Penalty-free withdrawals
Unlimited withdrawals of £1+ provided at least £10 remains in the account
Age of applicant
Age 16 years old or older
How to open account
Branch only
Length of account term
Matures on 31/1/27
Maximum balance
£7500
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
The most you can withdraw in any one day is £500 in cash, or any amount by cheque.
NLA 13/2/26
Launched 1/12/25
Interest rate
4.25% AER variable
Monthly payment
£10-£500 per calendar month
Miss any payments
Yes, miss as many as you like
Penalty-free withdrawals
Unlimited withdrawals of £1+ provided at least £10 remains in the account
Age of applicant
Age 18 years old or older
How to open account
Online only
Length of account term
Matures on 31/1/27
Maximum balance
£7500
Deposits on non-working days
Treated as having been received the next working day.
Special conditions
The most you can withdraw in any one day is £500 in cash, or any amount by cheque or online.
This list only includes accounts that went NLA on or after 1/2/26. For accounts that went NLA prior to this see:
https://forums.moneysavingexpert.com/discussion/comment/80268181/#Comment_80268181
9 -
Reserved for future use.
2 -
Reserved for future use.
2 -
Reserved for future use.
2
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