The Top Regular Savers Discussion Thread

Speculator

https://forums.moneysavingexpert.com/discussion/comment/81865163#Comment_81865163

No, definitely still showed even if you already hold the Xmas regular.

UKX69

https://forums.moneysavingexpert.com/discussion/comment/81864979#Comment_81864979

I recently overfunded my Monmouth RS as I paid in various small deposits and hadn’t realised. Only found out when the overpayment landed back in my bank account - no notification or a dicky bird from Monmouth whatsoever.

10_66

https://forums.moneysavingexpert.com/discussion/comment/81865163#Comment_81865163

Don't think so as neither is it showing on their "Maturity Accounts" page:

https://principality.co.uk/home/savings/maturity-accounts

Bridlington1

https://forums.moneysavingexpert.com/discussion/comment/81865433#Comment_81865433

I've marked Principality's Christmas RS as NLA, as you say the account's no longer listed in the maturity accounts section.

Whilst I'm here the ESBS Monthly Saver at 6% (branch only) has now been added to p1 of this thread.

Additionally just a reminder the following interest rate cuts came into effect today:

Account                                                                                                                           .	Old Rate	New Rate	Date
Beverley BS Monthly Saver	3.30%	3.20%	01/02/2026
Beverley BS Regular Saver Issue 1	5.5% (includes 4.5% bonus)	NO CHANGE	01/02/2026
Buckinghamshire BS Regular Saver	2.65%	2.40%	01/02/2026
Buckinghamshire BS Regular Saver Locals	3.05%	2.80%	01/02/2026
ESBS Regular Monthly Saver	3.60%	3.35%	01/02/2026
Hanley Economic 1 Year Branch Smart Saver (TAR09)	6.50%	6.30%	01/02/2026
Hanley Economic 1 Year Online Smart Saver (TAR10)	6.50%	6.30%	01/02/2026
Hanley Economic Branch Regular Saver	1.45%	1.20%	01/02/2026
Hanley Economic Online Regular Saver	4.15%	3.90%	01/02/2026
Hanley Economic Regular Saver	1.45%	1.20%	01/02/2026
Mansfield BS Bonus Regular Savings Issue 8 (includes 1.85% bonus for 12 months)	5.25%	5.10%	01/02/2026
Mansfield Regular eSaver 30 (1st issue)	3.60%	3.45%	01/02/2026
Progressive BS Clockwork Regular Saver (Issue 1)	2.75%	2.50%	01/02/2026
Progressive BS Clockwork Regular Saver (Issue 2)	2.75%	2.50%	01/02/2026
Progressive BS First Home Saver	2.75%	2.50%	01/02/2026
Progressive BS First Home Saver Issue 2	3.50%	3.25%	01/02/2026
Progressive BS Online First Home Saver Issue 3	3.50%	3.25%	01/02/2026
Progressive BS Online Regular Rainy Day Saver	6.00%	5.75%	01/02/2026
Progressive BS Online Regular Rainy Day Saver Issue 2	4.00%	3.75%	01/02/2026
Progressive BS Online Regular Rainy Day Saver Issue 3	5.50%	5.25%	01/02/2026
Progressive BS Online Regular Rainy Day Saver Issue 4	7.00%	6.75%	01/02/2026
Swansea BS Regular Monthly Saver	4.07%	3.82%	01/02/2026
Vernon Online Regular Saver	5.75%	NO CHANGE	01/02/2026

The following interest rates come into effect tomorrow:

Account                                                                                                                           .	Old Rate	New Rate	Date
Bath BS 16-25 Regular Saver	6.40%	6.15%	02/02/2026
Bath BS Homestart Regular Saver	3.85%	3.60%	02/02/2026
Bath BS The Regular Saver	3.35%	3.10%	02/02/2026
Market Harborough BS Member Monthly Saver	2.65%	2.45%	02/02/2026

Dizzycap

https://forums.moneysavingexpert.com/discussion/comment/81865433#Comment_81865433

Well it is now February & last years PBS Christmas RS also ended in January too. Nothing exciting about the present PBS maturity options available, but at least it saves time to allocate maturing funds elsewhere 😉

ThePirates

https://forums.moneysavingexpert.com/discussion/comment/81865452#Comment_81865452

I matured a Principality Iss 3 today and it gave Iss 4 and the Christmas Saver as options.

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/81865707#Comment_81865707

What did you choose?

topyam

Principality

If you have only one Issue 4 and you receive maturity instructions for it, will they let you choose another Issue 4? As you are only really holding one at a time?

Bridlington1

https://forums.moneysavingexpert.com/discussion/comment/81866146#Comment_81866146

They should do, it's within their terms. Like you say you'd only be holding one Issue 4 at any given time, you're effectively asking them to not convert you account to a different type of account at maturity.

janusd

for those affected by Darlington, i've had an email from them this morning….

We are writing to let you know about an error we have identified on your Regular Saver account, and to explain what this means for you. We apologise for any inconvenience this may cause.

What has happened

On 31 December 2025, interest was credited to your account incorrectly and included an additional 12 months’ interest. We corrected this overpayment. However, during our review we found that the correction reflected one day's less interest than expected. This has now been resolved.

How we have corrected the error, and what it means for you

• We have updated your account so that the balance now accurately reflects the correct interest amount. These adjustments are shown as ‘Int Overpay Adj’ (Interest Overpay Adjustment), either online or in your passbook.
• If you complete a tax return you need to adjust your gross savings interest received by the total of the two above adjustments. Please see a worked example below to find out how to calculate this figure.
• Interest going forward will apply in line with the terms and conditions of your account.
• This correction only relates to the interest on your Regular Saver account. If you have any other type of account with us, it has not been affected.

Our apology

We apologise for this error. As a member-owned building society, it is important to us that every member’s account is treated fairly and accurately. We have reviewed our processes and taken steps to make sure this doesn’t happen again.