The Top Regular Savers Discussion Thread

dingling68

https://forums.moneysavingexpert.com/discussion/comment/82087763#Comment_82087763

Monmouthshire maturity …

Ah, not just me then 🤦‍♀️🤣

Kim_13

https://forums.moneysavingexpert.com/discussion/comment/82087717#Comment_82087717

Would have had if I hadn't made an effort to spread them out. My last Skipton matured last August, but I waited until New Years' Eve to open another knowing there was a consistent record of availability. This will fund January's payments. Furness 160th November, Cambridge and Dudley Festive also December, Nationwide end of January (first time I had opened one of those since their 8% offering of 2023), February Mansfield and a Suffolk (the latter funding March.) I refreshed Monmouthshire to fund April, May will be the allowed withdrawal from Furness Summer 2027, June Teachers, July Bucks/Halifax.

29 RS at the minute, 3 of which are open ended.

dingling68

Tipton

A big thank you to whoever mentioned emailing an application form as an existing member. I went for the snail mail option, posted the application form Tuesday, second class, account was showing in the app yesterday, first payment made with COP this morning and all credited by this afternoon.

Great work Tipton

Kim_13

https://forums.moneysavingexpert.com/discussion/comment/82087836#Comment_82087836

On the subject of Tipton, I checked my app tonight and 7p interest had been added. Anyone else with a similar glitch? They don't pay interest monthly do they?

Bridlington1

https://forums.moneysavingexpert.com/discussion/comment/82087843#Comment_82087843

Tipton's app has been slightly glitchy of late, I've got a savings account with them that shows on there twice, it has for the last week or so, exactly the same account numbers and balances, everything else works fine. Their IT team are investigating.

gt94sss2

https://forums.moneysavingexpert.com/discussion/comment/82087843#Comment_82087843

If it's the 125 year RS:

interest is paid gross and added to the account on 31 July and again on maturity

snookerloopy96

https://forums.moneysavingexpert.com/discussion/comment/82087736#Comment_82087736

I think you've misunderstood (or I've explained it badly), I've got quite a few maturing October as well, all the ones you've mentioned.

Its after that there is a chasm, nothing major for months.

snookerloopy96

Literally got nothing the first few months of 2027 and I open things asap too, just mine seem to be quite concentrated (especially in terms of amounts) over the next few months.

Never mind, just wondered if there had been a dearth of RS between around Dec-April, especially if companies had focused on ISAs.

snookerloopy96

https://forums.moneysavingexpert.com/discussion/comment/82087833#Comment_82087833

I've got most of them bar Teachers but as the likes of Suffolk are quite low rates (comparitively) there isn't much in them.

Opened a few accounts lately with a view to eventually hopefully qualifying for member/loyalty rates such as Chorley, Mansfield, Manchester, Cambridge.

Sure at some point things will even out, as I say I just wondered if this sounded familar.

Bridlington1

A summary of changes to the listings on the first page of The Top Regular Savers Discussion Thread between 1st July 2026 and 31st July 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 1/7/26 and 31/7/26 (see first page of The Top Regular Savers Discussion Thread for details):

The following accounts have been withdrawn between 1/7/26 and 31/7/26:

The following accounts have been and gone between 1/7/26 and 31/7/26:

A Change to the Thresholds for Inclusion:

Previously I was only adding accounts where the interest rate is 4.25% or better, or 4.1% if the account has favourable conditions.

With effect from today these thresholds are increasing, I am now only adding accounts where the interest rate is 4.3% or better, or 4.2% if the account has favourable conditions.

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

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