The Top Regular Savers Discussion Thread

adindaspantai

https://forums.moneysavingexpert.com/discussion/comment/82165280#Comment_82165280

Once the account is open you could add and manage it on the online banking.

masonic

https://forums.moneysavingexpert.com/discussion/comment/82165382#Comment_82165382

IMHO there is little chance of it being pulled before the end of the month.

But I think you are overlooking the fact it operates on account months, so if you open and fully fund before the end of October, you will not be able to fund again on 1st November.

adindaspantai

https://forums.moneysavingexpert.com/discussion/comment/82164704#Comment_82164704

I wonder, will the Principality Christmas 2027 RS be on offer (published) and the interest rate is already known ??

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/82165416#Comment_82165416

Well it's not showing as a maturity option on the Xmas 26 RS or anywhere else on their site. Not sure where else they'd put the details - Twitter/X? Big billboard ad in downtown Cardiff?

jd84

The Principality Christmas 2026 RS looks like it launched on 23 October last year, so I would expect a 2027 version should become available within the next 2 weeks (if they are doing one)

Stargunner

https://forums.moneysavingexpert.com/discussion/comment/82165380#Comment_82165380

Prople on low income tax bracket could have savings of over £100k @ 5% witjout having to pay tax, due to the savings starting rate.

Kim_13

https://forums.moneysavingexpert.com/discussion/comment/82165401#Comment_82165401

I assume the thinking is to fund it on the 1st with everything else, but given there’s no way to get two payments in quickly, to me it would make sense to minimise the risk of ending up with no account by opening it on another memorable date (payday, the day of the month that is your/other half’s/parent’s/child’s/pet’s birthday etc)

masonic

https://forums.moneysavingexpert.com/discussion/comment/82165499#Comment_82165499

Chase has instant account closure for most of its accounts, so it may be possible to refresh on the 1st if still available.

KneadtheDough

https://forums.moneysavingexpert.com/discussion/comment/82165382#Comment_82165382

Chase regular saver 

I applied for the c/a and immediately opened the RS.

allegro120

https://forums.moneysavingexpert.com/discussion/comment/82165380#Comment_82165380

5% RSs

Yes, it all depends on personal circumstances and preferences. I have plenty of spare capacity in 5% EAs. Variables can change, but when this happens the changes are usually small and most of them mostly in line with the base rate. If 5% variable RS increase to 5.25% it is likely that there will be EA products matching this rate and there will be new RS products offering a higher rate. These assumptions are based on my own observation of the patterns over the past few decades, things can change of course. At some point (can't remember the year) I withdrew all my ISA funds from Yorkshire bank because the ISA rates were far too low across the board, I could get significantly better return from none-ISA savings accounts after tax. That was probably a mistake, some years later ISA rates increased and I had to start building tax free savings from scratch.

If all my 5% EAs drop the rates and there're no matching offers I will go for 5% RSs with favourable terms.