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The Top Regular Savers Discussion Thread
Comments
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I did wonder were everyone had gone to … hopefully May will bring something some new savers …
On the plus side I finally made a decision and refreshed my Halifax regular savers so April 2027 there will be savers maturing at the start and the middle to feed the May 1st 2027 regular savers so crisis averted :)
And then Principality - OH had a triple access mature so he just closed that one.
Then we both had 6 month savers mature on the 24th so I sent maturity instructions to convert into regular savers issue 37 - both successful. They are there as a stop gap - add funds as and when and close if need be.
We also had 2 more 6 month savers mature today and I did the same - put in maturity instructions to convert to issue 37 - again sent the instructions late evening the night before - but this time the proceeds were returned and then this afternoon the other £250 - oh well you win some and then you loose some :)
“Create all the happiness you are able to create; remove all the misery you are able to remove. Every day will allow you, --will invite you to add something to the pleasure of others, --or to diminish something of their pains.”1 -
Issue 37 is all of 4.75%. This is way too low for my liking at this stage, even for a "just in case" account
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Agree there. There's very slim pickings with Principality at the moment. I've just been closing down accounts as they mature, still got 3 different RS's on the go though.
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How considerate of the BOE 😂! Good luck with the new house :)
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N.B. (Amended from Forum Rules): You must investigate, and check several times, before you make any decisions or take any action based on any information you glean from any of my content, as nothing I post is advice, rather it is personal opinion and is solely for discussion purposes. I research before my posts, and I never intend to share anything that is misleading, misinforming, or out of date, but don't rely on everything you read. Some of the information changes quickly, is my own opinion or may be incorrect. Verify anything you read before acting on it to protect yourself because you are responsible for any action you consequently make... DYOR, YMMV etc.1 -
Does a 13th payment for the Newcastle Regular Saver 1 work?
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The account has a maximum balance of £2.4k stated in their Ts&Cs so their terms do forbid it unless the 13th payment still leaves you with less than or equal to £2.4k in the account.
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Thanks to those who have expressed their good wishes for me, in theory the most "admin-heavy" part of the process should be done as I've sent the proof of funds across to my mortgage broker and shall send them to my conveyancer tonight (over 150 statements).
With regards to regular savers, all hell'll probably break loose tomorrow with it being the first of the month, the only saving grace is that because of the bank holiday I've got a 4 day weekend for free to recover if it does go bonkers thanks to compressed working hours and Monday as a standard non-working day.
A quick update before my main updates:
RS timeline spreadsheet:
It appears I didn't update the RS timeline spreadsheet last month so apologies for that, I haven't the time to do it this evening so shall do a bulk update to it over the long weekend shan't update the RS timeline spreadsheet tonight.
Thresholds for this thread:
I've now reviewed the thresholds for regular savers to be included on p1 of this thread and they shall be changing. Previously the thresholds were 4.15% and 3.95% where the account has favourable conditions, with effect of my next update (tonight) they shall be increasing to 4.25% and 4.1% respectively, this is largely being driven by increases to top easy access rates and an increase in favourable conditions in the EA accounts that offer the highest rates.
A new spreadsheet:
Earlier this month, @dcs34 very kindly transferred the listings of each of my monthly updates to a brand new spreadsheet, the Regular Saver Thread Monthly Updates spreadsheet. Going forwards whenever I do one of my monthly update, I'll add the update to the Regular Saver Thread Monthly Updates spreadsheet. The rationale behind this is as follows:
- Due to the new text editors, my listings take up a larger proportion of the character limit than they used to so I can no longer fit the full listings in some updates into one post, one way to mitigate this is to paste an image version of the listings into the update, with the full update (with links) on the spreadsheet.
- I'm conscious the post with links to all of the updates is increasing in length, this helps to safeguard against this post running out of room.
- searchability of all past listings becomes easier as you can just use ctrl+f across the workbook to find the desired RS summary.
- It acts as a safeguard in case one of the RS threads is accidentally deleted (it's not as if that's happened before) or becomes unusable due to technical issues.
A link to the spreadsheet shall appear both on p1 of this thread and the archived thread.
The usual monthly update shall be made in the next couple of hours.
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Mine is now done and dusted. It will be a while before I'll be able to afford to contribute to any new RS. My focus is now on refilling a large hole in my flexible ISA.
I hope yours goes through smoothly.
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Thank you for this, the spreadsheet is very useful as it can be copied and manipulated for my own needs too - considerably quicker than cutting/reformatting/pasting text.
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A summary of changes to the listings on the first page of The Top Regular Savers Discussion Thread between 1st April 2026 and 30th April 2026:
A link to this post is included on the first page of The Archived History Of Regular Savers Thread *** NO CHAT*** thread.I have now cleared out the recently NLA regular savers list on the first page of The Top Regular Savers Discussion Thread.
The following accounts have been added between 1/4/26 and 30/4/26 (see first page of The Top Regular Savers Discussion Thread for details):
Suffolk 1 Year Fixed Rate Regular Saver (30.06.2027) at 4.9%
Launched 7/4/26
Suffolk BS Online 1 Year Fixed Rate Regular Saver (30.06.2027) at 4.9%
Launched 7/4/26
Chorley BS Regional 2 Year Flexible Saver (31.03.2028) at 5%
Launched 1/4/26
Launched 1/4/26
Launched 1/4/26
Monmouthshire BS St David's Hospice Care Regular Saver at 6%
Launched 1/4/26
The following accounts have been removed between 1/4/26 and 30/4/26:
NLA 1/4/26
Launched 2/3/26
Interest rate
5% gross p.a. variable 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 28/2/27
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 31/3/26. Only one Regular Saver, one Seasonal Saver and one Regional 2 Year Flexible Saver can be held in any 12 month rolling period
NLA 1/4/26
Launched 2/3/26
Interest rate
5% gross p.a. variable 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 29/2/28
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 31/3/26. 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 1/4/26
Launched 2/3/26
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 1/3/2028
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 2/4/26
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
NLA 7/4/26
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
NLA 7/4/26
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
Changes to thresholds:
Previously I was only including accounts where the interest rate is 4.15% or better, or 3.95% if the account has favourable conditions.
After reviewing the wider savings landscape over the last couple of months I have chosen to raise thresholds for regular savers to be included on the main Regular Savers List.
I am now including accounts where the interest rate is 4.25% or better, or 4.1% if the account has favourable conditions
Note for the purposes of the thresholds. for an account to be deemed as having favourable conditions it must:
- Allow at least 3 penalty free withdrawals per year at any time without notice and meet at least one of the following criteria:
- ○ Allow you to pay in £500 per month or more
- ○ Mature after at least 2 years
I have now removed the following regular savers as they are no longer eligible for inclusion under the new thresholds:
Removed 30/4/26
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
Removed 30/4/26
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.
Removed 30/4/26
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.
A new spreadsheet:
Earlier this month, @dcs34 very kindly transferred the listings of each of my monthly updates to a brand new spreadsheet, the Regular Saver Thread Monthly Updates spreadsheet. Going forwards whenever I do one of my monthly update, I'll add the update to the Regular Saver Thread Monthly Updates spreadsheet. The rationale behind this is as follows:
- Due to the new text editors, my listings take up a larger proportion of the character limit than they used to so I can no longer fit the full listings in some updates into one post, one way to mitigate this is to paste an image version of the listings into the update, with the full update (with links) on the spreadsheet.
- I'm conscious the post with links to all of the updates is increasing in length, this helps to safeguard against this post running out of room.
- searchability of all past listings becomes easier as you can just use ctrl+f across the workbook to find the desired RS summary.
- It acts as a safeguard in case one of the RS threads is accidentally deleted (it's not as if that's happened before) or becomes unusable due to technical issues.
A link to the spreadsheet now appears on both on p1 of this thread and the archived thread.
14
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