The Top Regular Savers Discussion Thread

masonic

https://forums.moneysavingexpert.com/discussion/comment/81944892#Comment_81944892

It's more than just renamed, which is rather the point: it's subject to a new interest rate and terms & conditions, including removal of the term saying you can't open another one. Effectively, it's a variation of the contract by mutual agreement. Each party is released from its obligations to the other under the old agreement. They don't have to continue to pay the high rate, and you are no longer subject to the restrictions they imposed.

elkiedee

On Nationwide Regular Saver, aren't you only allowed to put in one payment per calendar month? Perhaps that's why you need to wait until tomorrow. An account opened on 1 April will mature 31 March, and anyway you'll get the interest in tax year 2026/2027 still.

Bridlington1

A summary of changes to the listings on the first page of The Top Regular Savers Discussion Thread between 1st March 2026 and 31st March 2026:

A link to this post is included on the first page of The Archived History Of Regular Savers Thread *** NO CHAT*** thread. The key changes are as follows:

Owing to character limits I've had to paste some bits as screenshots rather than text.

The following accounts have been added between 1/3/26 and 31/3/26 (see first page of The Top Regular Savers Discussion Thread for details):

The following accounts have been withdrawn between 1/3/26 and 31/3/26:

NLA 2/3/26	Chorley BS Regional 2 Year Flexible Saver (31.01.2028)	Launched 2/2/26
Interest rate	5.1% gross p.a. variable (reduces to 5% from 11/3/26)
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 31/1/28
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).
NLA 2/3/26	Leeds BS Regular Saver (Issue 74)	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.
NLA 2/3/26	Chorley BS Regular Saver (31.01.2027)	Launched 2/2/26
Interest rate	5.1% gross p.a. variable (reduces to 5% from 11/3/26)
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 31/1/27
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
NLA 2/3/26	Mansfield BS My Milestone Saver	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
NLA 4/3/26	Hanley Economic BS 1 Year Online Smart Saver (TAR10)	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
NLA 4/3/26	Santander Regular eSaver Account (Issue 20)
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.
NLA 5/3/26	Yorkshire Building Society Christmas 2026 eSaver/saver	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
NLA 23/3/26	West Brom BS Winter Ready savings account	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.
NLA 23/3/26	Dudley BS Festive Regular Saver	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
NLA 26/3/26	Principality BS 6 Month Regular Saver (Issue 5)	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
NLA 26/3/26	Principality BS 1 Year Triple Access Regular Saver
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
NLA 31/3/26	Saffron BS Braintree Regular Saver	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.

A Change to the Thresholds for Inclusion:

The following accounts have been removed owing to the change in thresholds:

s71hj

https://forums.moneysavingexpert.com/discussion/comment/81944215#Comment_81944215

So to do this for these 3 do you literally just close them then apply for a new one tomorrow?

gt94sss2

https://forums.moneysavingexpert.com/discussion/comment/81944883#Comment_81944883

The Loughborough BS Holiday Monthly Saver hasn't been available for a long time now.

Does anyone have any experience with how Loughborough deal with extra payments (i.e a 13th month) to their regular savers?

Jazzking

https://forums.moneysavingexpert.com/discussion/comment/81944995#Comment_81944995

Halifax and Lloyds you need to 'renew' the existing RS into a standard savings account which gets you the interest accrued and effectively removes your RS.
You can then apply for a new RS as you don't have one and you're not in breach of the T&Cs by opening another withing 12 months of 'closing'. All can be done in the space of a few minutes.
You can then close the EA savings if you wish as the rates are generally rubbish.

Nationwide you can close easily (on the web banking, rather than app) to get the interest, but I found you needed to wait 24 hours to apply for another one to let the system forget that you had one before…

Monmouthshire I was able to do within a couple of days as well.

nottsphil

https://forums.moneysavingexpert.com/discussion/comment/81945033#Comment_81945033

As I can't get a new Nationwide today, I might as well wait until 5th April.

I couldn't see how to renew Santander Edge or even the monthly saver at all.

masonic

https://forums.moneysavingexpert.com/discussion/comment/81945116#Comment_81945116

For Santander, you need to use the online chat to request it. It is then done manually by a member of staff within the next few working days. It is probably cutting it a bit too fine now.

surreysaver

https://forums.moneysavingexpert.com/discussion/comment/81945116#Comment_81945116

The Edge you have to contact them to close it, which takes a few days (mine closed this morning after contacting them last Wednesday).

Not sure about the monthly saver

nomorekids

https://forums.moneysavingexpert.com/discussion/comment/81944995#Comment_81944995

Halifax and Lloyds I did today via renewing them to Easy saver and then opening a regular, Nationwide I closed but have to wait until tomorrow to open a new one. You've just about time to do same.