The Top Regular Savers Discussion Thread

Dizzycap

https://forums.moneysavingexpert.com/discussion/comment/81990572#Comment_81990572

😅😮🤐. I'm wondering if Saffron BS will be launching a new 12 month Members Loyalty RS @ £50 pm max soon, as the last one begins maturing in June. Albeit a very small monthly amount, it's been a great little RS to compound monthly interest @ 8%. That's still 5 weeks away. Isas will still be pushed through May before hopefully some inspiring interest rate RS start appearing, otherwise it'll be a case of renewing / refreshing those we already have; if we haven't already been doing that, and if they're still available 😯.

mon3ysav3r

https://forums.moneysavingexpert.com/discussion/comment/81990566#Comment_81990566

The AIB RS says it needs to be funded from a "AIB (NI) Current or Select Account" Is there a way to get an AIB current account without living in NI? because the classic current account says "Over 18s and NI residents only".

x44

If you scroll further down that page you will see the answer…..

and that is if you do not live in N.I then you can apply if you are a UK resident (residing outside NI) but ONLY by appearing in person (with all your ID!) at a branch in N.I.

dcs34

By coincidence it seems that Market Harborough are in the process of refreshing the 31st March 2027 Fixed Term Regular Saver, replacing it with a similar account maturing im 30th June 2027. Not sure if this has shown up on their website as branch staff were finding out in real-time on their online account opening software as they tried to open an account for me.

They handed me a paper form for the prior issue but when setting up the account their central systems only show the new version as available.

If I'd have come up yesterday, and then back again next week on the way home, I might have had both issues! Not sure if the T&C's allow both issues of Fixed Term Regular Saver to be held concurrently - I had to dash for a train so no time to read them!

soulsaver

https://forums.moneysavingexpert.com/discussion/comment/81991155#Comment_81991155

• Save between £10 – £250 a month
• Open in branch
• Annual interest  
• Your funds will be available to you the first day after maturity. 
• Even with a penalty early withdrawals are not allowed

Helpful reminder 

• Customers may hold a maximum of two Fixed Term Regular Saver accounts at any time either solely or jointly, with a maximum deposit of £250 per month into each.

dcs34

Also the chap in the branch mentioned if MHBS were to issue a limited edition Regular Saver it would be possible to hold and maximally fund both concurrently. He said this unprompted but I wasn't sure if it was a subtle hint at things to come or just part of their standard new account opening script (he seemed to be quite new). So fingers crossed!

soulsaver

Just rang Cov BS cos 'something's gone wrong' several times online trying to give the requisite 60 day notice on FHS2 (4.25%)

She let me close today without penalty, if useful to anyone. She didn't understand why but 'system says no pen'.

Note: 10 minutes wait for pickup but press 1 for call back (not tested).

JB50MSE

Are there other ONGOING Regular Savers, in addition to the Royal Bank of Scotland Digital Regular Saver?

I seek an ongoing Regular Saver with an interest rate better than most/every easy access accounts, which permits at least limited access, and I don't have to ditch and switch, or restart, after a year or two.

The RBS Digital Regular Saver permits: maximum £150 per month payment in, withdrawals anytime, and pays a fair variable rate of interest (5.25% AER as at 8/5/26) on the balance up to £5K. For me, the helpful aspect is that I don't have to stop and restart every 12 months; I just keep this particular account going. I don't withdraw unless I need the money, or unless it exceeds £5K (after several years of saving). So I usually keep between £4K and £5K in this account.

I know other Regular Savers pay a higher interest rate for the first 12 months, but after say 24 months of monthly saving £150, the interest on this RBS Reg Saver account beats other easy access accounts because the interest is paid on my higher balance, doesn't it?

mon3ysav3r

https://forums.moneysavingexpert.com/discussion/comment/81991387#Comment_81991387

Natwest have an identical Digital Regular Saver https://www.natwest.com/savings/digital-regular-saver.html

I have both

dibbles212

https://forums.moneysavingexpert.com/discussion/comment/81991387#Comment_81991387

Also Santander, although only 5%. If you set up a Standing Order then the monthly saver renews automatically each year.