The Top Regular Savers Discussion Thread

Speculator

https://forums.moneysavingexpert.com/discussion/comment/82091155#Comment_82091155

what was the previous rate?

friolento

https://forums.moneysavingexpert.com/discussion/comment/82091290#Comment_82091290

the most recent one was 4.32%

Issue	On sale	Introductory rate (12 months from opening)
Issue 17	From 2 Jul 2026	4.32% AER (variable)
Issue 16	14 Apr – 1 Jul 2026	4.17% AER
Issue 15	26 Mar – 13 Apr 2026	3.55% AER
Issue 14	5 Jan – 25 Mar 2026	4.05% AER
Issue 13	10 Oct 2025 – 4 Jan 2026	4.40% AER
Issue 12	25 Sep – 9 Oct 2025	4.20% AER
Issue 11	20 Aug – 24 Sep 2025	4.40% AER
Issue 10	23 May – 20 Aug 2025	4.55% AER

clivep

https://forums.moneysavingexpert.com/discussion/comment/82091095#Comment_82091095

Halifax

I always close the Everyday Saver straight away when opening a new Regular Saver. This allows a 13th payment into the old RS and the 1st payment into the new RS in the same month.

s71hj

https://forums.moneysavingexpert.com/discussion/comment/82091155#Comment_82091155

Don't Cahoot also have a 5% account?

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/82091482#Comment_82091482

Sunny Day Saver - £3k max.

Stargunner

https://forums.moneysavingexpert.com/discussion/comment/82091484#Comment_82091484

the £3k max is per account, which you can have many of.

castle96

ssssshhhhh

Section62

https://forums.moneysavingexpert.com/discussion/comment/82091590#Comment_82091590

Strictly speaking, you can only have one Cahoot SDS account. That's what the T&C's say.

It would be better to take this discussion to the appropriate thread where the nuances can be discussed properly.

masonic

https://forums.moneysavingexpert.com/discussion/comment/82091590#Comment_82091590

That depends on whether you adhere to the T&C. I think we've been warned off discussing legal grey areas by the mods.

kuepper

https://forums.moneysavingexpert.com/discussion/comment/82090733#Comment_82090733

I only check here when old RS finishes and only found about the 8% accounts yesterday when I got an email from 'Zoe at be clever with your cash' mentioning it. The Lloyds app agent told me that even if I close my existing monthly saver account I won't be able to open another RS until the 12 month period is up. I see from other posts here that may be misinformation. I've been paying the max £400 in for 6 months into the Club Lloyds RS so I'll have to check whether the £250 at 8% is worth the risk of closing and being told I cannot open any other RS for another 6 months