The Top Regular Savers Discussion Thread

Bridlington1

Thresholds for p1 of this thread are changing with effect from today

Previously I was only adding accounts where the interest rate is 4.3% or better, or 4.2% if the account has favourable conditions.

From today I shall only be adding accounts where the interest rate is 4.5% or better, or 4.3% 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

P1 of this thread shall be updated later today to reflect this.

Aaron3195

Nationwide

Is the 13th Month trick no longer working for the Flex Regular Saver? I tried to make a 13th payment today (internal transfer between nationwide accounts) after reading a few threads here that confirm it works, but it said this process couldn't be completed or something along the lines of that.

edit: my bad, thought it was 1st sept today

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/82120736#Comment_82120736

Maybe because you've already maxed out August?

Bridlington1

A summary of changes to the listings on the first page of The Top Regular Savers Discussion Thread between 1st August 2026 and 31st August 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 1/8/26 and 31/8/26 (see first page of The Top Regular Savers Discussion Thread for details):

The following accounts have been withdrawn between 1/8/26 and 31/8/26:

The following accounts have been and gone between 1/8/26 and 31/8/26:

A Change to the Thresholds for Inclusion:

Previously I was only adding accounts where the interest rate is 4.3% or better, or 4.2% 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 4.5% or better, or 4.3% 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:

surreysaver

https://forums.moneysavingexpert.com/discussion/comment/82120736#Comment_82120736

Assuming you've already made a deposit in August, it isn't September until tomorrow.

Slinky

Off topic, but I'm sure I'm not the only one who hopes that everything goes well at the second attempt for your house purchase tomorrow @Bridlington1

Kim_13

https://forums.moneysavingexpert.com/discussion/comment/82120804#Comment_82120804

Indeed, ridiculous that the LISA provider did not get the money there on time on Friday - they must have had plenty of notice!

Bridlington1

500 Archived Regular Savers

I've just done another clear out of The Archived History Of Regular Savers Thread *** NO CHAT*** thread, about a dozen regular saver Ts&Cs have been removed from p1 of the Archived thread and moved to the Regular Saver Archives Spreadsheet.

In doing so I've noticed we're at 506 archived Regular Saver Ts&Cs between p1 of the archived thread and the Regular Saver Archives Spreadsheet so we've passed the 500 mark at some point this month.

I'd like to thank all those who have contributed to the tracking down and archiving of all these Ts&Cs and those who have contributed to these threads over the years.

castle96

FORD MONEY Reg Saver/aka Step up Saver 4.75%

What IS the rate type??? Shows both VAR and FIXED

wiseonesomeofthetime

https://forums.moneysavingexpert.com/discussion/comment/82121237#Comment_82121237

It will be FIXED