The Top Regular Savers Discussion Thread

Bridlington1

https://forums.moneysavingexpert.com/discussion/comment/82108726#Comment_82108726

Advanced notice- P1 of this thread may not be updated on 1st September 2026 now (1 day only)

My conveyancer didn't get my LISA funds on time, therefore my property's exchange and completion dates have been pushed back to Tuesday 1st September.

As a result any updates to p1 that may be needed on Tuesday 1st September may take place on Wednesday 2nd September depending how I do for time

Apologies for any inconvenience this may cause and normal service should be maintained before and after that day.

snaffle_2

Oh how very frustrating for you Bridlington. I am sure we will manage without you for the day but will be thinking of you.

Slinky

How frustrating for you Bridlington. Hope all goes well for you on Tuesday and thanks for all you do.

HHUK

https://forums.moneysavingexpert.com/discussion/comment/82117643#Comment_82117643

Thanks. Interesting account, this. I note that one of the terms is:

Each month the account must receive one payment of £20-£2,000 to be eligible for the Conditional Bonus.

I wonder if that means only one payment per month is permitted, or whether it's possible to set up a standing order for the minimum £20, and then top up to a maximum of £2,000 in any given month by means of one or more additional payments.

janusd

https://forums.moneysavingexpert.com/discussion/comment/82118209#Comment_82118209

I agree about the statements - they're one of the worst and you've reminded me that I still need to chase them for account statements from last tax year.

one workaround is often to let the RS mature into the EA account, print the transactions (incl interest) and then close the account… when the 6 month RS were renewing at good rates, this was less of an issue as the accounts never closed - but those days are over with Princpality.

mhoc

https://forums.moneysavingexpert.com/discussion/comment/82117513#Comment_82117513

Natwest digital

I've never added £1250 to my Natwest, didnt realise that this was a stipulation. Although with the rewards being devalued on October 1st I am wondering if Natwest is even worth keeping. I suppose the digital saver at 5.25% still has some value - at least its easy access if I ever needed some instant cash.

mhoc

Principality Christmas

I have Principality Christmas maturing in October,November, December and January between myself and OH - Christmas is very extended in our household.

Possibly Principality will have a shiny new Christmas 2027 sometime in October …

fuzzzzy

https://forums.moneysavingexpert.com/discussion/comment/82118309#Comment_82118309

Principality

Yes I have done that previously, but you have to remember to close the EA account on the maturity day or else there are still pennies of closing interest unaccounted for in the transaction list.

Born2Save_3

https://forums.moneysavingexpert.com/discussion/comment/82118301#Comment_82118301

I'm fairly sure you can make several payments per month. But if you want the bonus then you must make at least one payment of £20 each month. As you've suggested for peace of mind setup a SO for £20, then see what you can add.

However, TBH with this account and the rate of 4.5%A you can do better in Easy Access accounts at 5%A - 6%A.

Edit - I didn't see it was an ISA. If you're paying 20% tax, an EA rate of 5.4%A would be necessary to be better then this 4.5%A ISA, provided that rate remains. So to the best of my knowledge, that would just be Santander Edge Saver at 6%A for £4K.

Bridlington1

Beverley BS Regular Saver Cash ISA

For the avoidance of doubt all cash ISAs, including regular saver ISAs, fall outside of the scope of this thread therefore this account shall not be listed on p1 of this thread or mentioned in the archived thread.

I'll tolerate some discussion about the account here but if you wish to discuss this account in more detail, especially in relation to the tax-free element of it, then I would prefer it if you used @Kazza242's long running Cash ISAs: The Best ISAs Currently Available List thread.