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The Top Regular Savers Discussion Thread
Comments
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West Brom Winter Ready
I know this may be old new but I don't remember seeing this before so thought I'd mention it. The online page
Winter Ready savings account | West Brom Building Society
(as linked by @Bridlington1 on page 1) now says;
- If you want to open this account online, you must live in one of our branch postcode areas B (Birmingham), DY, WV, WS or SY.
I opened the account last week and don't remember seeing this. Might mean the listing on the first page needs updated.
EDIT: Direct Link added.
6 -
Darlington BS
They appear to have paid interest for 14 days on their original overpayment!
2 -
In my experience it takes about an hour to send and receive.
3 -
Good spot, the conditions seem to have changed. I opened one shortly after it became available, and I don't live anywhere near the West Midlands.
3 -
Mansfield
16p, not a big loss.
I normally send a cheque with postal applications. I have £500 overdraft with First Direct, I get notification when the cheque is cleared and bring my balance back to £0, so no loss of interest.
0 -
Regular Saver Interest Rate Reductions Since BOE Base Rate Cut From 4% to 3.75% On 18/12/25:
This is a copy of the list that was posted in the The Old Regular Savers Discussion Thread 28/12/24-29/1/26. As the old thread is now closed I can no longer edit any of the posts in it.
Thus far the following have declared:
Account .
Old Rate
New Rate
Date
AIB Regular Saver
6.00%
NO CHANGE
06/01/2026
Aldermore Regular Saver Account Issue 2
4.50%
4.20%
02/01/2026
Aldermore Regular Saver Account Issue 3
4.50%
4.20%
02/01/2026
Bath BS 16-25 Regular Saver
6.40%
6.15%
02/02/2026
Bath BS Homestart Regular Saver
3.85%
3.60%
02/02/2026
Bath BS The Regular Saver
3.35%
3.10%
02/02/2026
Beverley BS Monthly Saver
3.30%
3.20%
01/02/2026
Beverley BS Regular Saver Issue 1
5.5% (includes 4.5% bonus)
NO CHANGE
01/02/2026
Buckinghamshire BS Regular Saver
2.65%
2.40%
01/02/2026
Buckinghamshire BS Regular Saver Locals
3.05%
2.80%
01/02/2026
Chorley BS Home Saver
4.25%
NO CHANGE
16/01/2026
Chorley BS Regional 2 Year Flexible Saver (all issues)
5.15%
5.10%
16/01/2026
Chorley BS Regular Saver (all issues)
5.15%
5.10%
16/01/2026
Co-operative Bank Regular Saver
7.00%
NO CHANGE
09/03/2026
Coventry BS Children's Regular Saver
3.65%
3.40%
20/01/2026
Coventry BS First Home Saver (2)
4.50%
4.25%
19/01/2026
Coventry BS Loyalty Mortgage RS (2)
4.80%
4.55%
20/01/2026
Coventry BS Loyalty Regular Saver (3)
4.90%
4.65%
19/01/2026
Coventry BS Loyalty Seasonal Saver
5.25%
5.00%
19/01/2026
Coventry BS Regular Saver
3.95%
3.70%
19/01/2026
Coventry BS Regular Saver (6)
4.15%
4.00%
19/01/2026
Coventry BS Young Saver
4.25%
4.00%
19/01/2026
Cumberland BS Cumberland Regular Saver
4.50%
4.25%
18/02/2026
Cumberland BS First Home Saver – Issue 1
4.00%
3.75%
18/02/2026
Cumberland BS First Home Saver – Issue 2
4.00%
3.75%
18/02/2026
Darlington BS 12 Month Regular Saver Issue 1
4.75%
4.50%
20/01/2026
Darlington BS 12 Month Regular Saver Issue 2
6.00%
5.75%
20/01/2026
Darlington BS 12 Month Regular Saver Issue 3
4.75%
NO CHANGE
20/01/2026
Darlington BS Home Deposit Saver
3.75%
NO CHANGE
20/01/2026
Dudley BS Loyalty One Year Regular Saver
6.00%
5.75%
16/01/2026
Dudley BS One Year Regular Saver Issue 9
5.00%
4.75%
16/01/2026
Ecology BS Regular Savings Account
3.10%
3.00%
22/01/2026
ESBS Regular Monthly Saver
3.60%
3.35%
01/02/2026
Furness BS 1 Year Regular Saver Issue 5
4.00%
3.75%
12/01/2026
Furness BS 1 Year Regular Saver Issue 6
4.00%
3.75%
12/01/2026
Furness BS Christmas Regular Saver Issue 2
5.25%
NO CHANGE
12/01/2026
Hanley Economic 1 Year Branch Smart Saver (TAR09)
6.50%
6.30%
01/02/2026
Hanley Economic 1 Year Online Smart Saver (TAR10)
6.50%
6.30%
01/02/2026
Hanley Economic Branch Regular Saver
1.45%
1.20%
01/02/2026
Hanley Economic Online Regular Saver
4.15%
3.90%
01/02/2026
Hanley Economic Regular Saver
1.45%
1.20%
01/02/2026
HRBS Children’s Regular Saver
3.75%
3.65%
16/01/2026
HRBS Christmas Saver 30 Day Notice
5.00%
4.90%
16/01/2026
HRBS Regular Saver 30 Day Notice Issue 2
4.10%
4.00%
16/01/2026
Leeds BS Home Deposit Saver
4.80%
NO CHANGE
04/02/2026
Leeds BS Regular Saver (All Issues except 55 & 58)
4.70%
4.45%
04/02/2026
Leeds BS Regular Saver Issue 55 & 58
4.85%
4.60%
04/02/2026
Leek BS Homebuyers Regular Savings
2.65%
2.50%
09/01/2026
Leek BS Regular Saver Account Issue 1 & 2
2.65%
2.50%
09/01/2026
Leek BS Regular Saver Account Issue 3
4.20%
4.05%
09/01/2026
Loughborough BS 1 Year Super Saver
6.00%
5.80%
05/01/2026
Loughborough BS 2 Year Super Saver
5.00%
NO CHANGE
05/01/2026
Loughborough BS Five Year Retirement Monthly Saver
5.50%
NO CHANGE
05/01/2026
Loughborough BS Holiday Monthly Saver
5.60%
5.40%
05/01/2026
Loughborough BS Limited Access Monthly Saver
4.45%
4.25%
05/01/2026
Loughborough BS Regular Monthly Saver Account
2.25%
2.05%
05/01/2026
Manchester BS Festive Regular Saver
6.50%
NO CHANGE
21/01/2026
Manchester BS Regular Saver Issue 1
5.50%
5.40%
21/01/2026
Mansfield BS Bonus Regular Savings Issue 8 (includes 1.85% bonus for 12 months)
5.25%
5.10%
01/02/2026
Mansfield Regular eSaver 30 (1st issue)
3.60%
3.45%
01/02/2026
Market Harborough BS Member Monthly Saver
2.65%
2.45%
02/02/2026
Monmouthshire BS App Exclusive Regular Saver Issue 1
7.00%
NO CHANGE
03/02/2026
Monmouthshire BS Branch Exclusive Regular Saver Issue 1
7.00%
NO CHANGE
03/02/2026
Monmouthshire BS Regular Saver Issue 5
3.15%
NO CHANGE
03/02/2026
Monmouthshire BS Regular Saver Issue 8
6.00%
NO CHANGE
03/02/2026
Nationwide Flex Regular Saver Issue 4
6.50%
NO CHANGE
10/02/2026
Nationwide Flex Regular Saver Issue 5
6.50%
NO CHANGE
10/02/2026
Nationwide Flex Regular Saver Issue 6
6.50%
NO CHANGE
10/02/2026
Nationwide Flex Regular Saver Issue 7
6.50%
NO CHANGE
10/02/2026
NatWest Digital Regular Saver (<£5k only)
5.50%
5.25%
19/01/2026
Newbury Home Saver
3.20%
3.00%
22/01/2026
Newcastle BS Festive Regular Saver
6.50%
NO CHANGE
21/01/2026
Newcastle BS First Home Regular Saver (Issue 1)
4.80%
NO CHANGE
21/01/2026
Newcastle BS Monument Regular Saver
5.50%
5.40%
21/01/2026
Newcastle BS Newcastle Regular Saver (Issue 1)
5.25%
5.15%
21/01/2026
Nottingham BS Branch Regular Saver Issue 2
4.75%
4.50%
27/01/2026
Nottingham BS Branch Regular Saver Issue 3
4.75%
4.50%
27/01/2026
Nottingham BS Branch Regular Saver Issue 4
4.75%
4.50%
27/01/2026
Nottingham BS Branch Regular Saver Issue 5
4.75%
4.50%
27/01/2026
Nottingham BS Branch Regular Saver Issue 6
4.25%
NO CHANGE
27/01/2026
Nottingham BS Children's Regular Saver
3.35%
NO CHANGE
23/01/2026
Nottingham BS Online Regular Saver
4.75%
4.50%
27/01/2026
Nottingham BS Online Regular Saver Issue 2
4.75%
4.50%
27/01/2026
Nottingham BS Online Regular Saver Issue 3
4.25%
NO CHANGE
27/01/2026
Nottingham BS Regular Saver
1.95% (1.55% without bonus)
1.8% (1.4% without bonus)
27/01/2026
Nottingham BS Regular Saver 2
1.95% (1.55% without bonus)
1.8% (1.4% without bonus)
27/01/2026
Nottingham BS Regular Saver 3
1.95% (1.55% without bonus)
1.8% (1.4% without bonus)
27/01/2026
Penrith BS Junior Affinity Regular Saver
4.45%
NO CHANGE
15/01/2026
Penrith BS Regular E-Saver 200
5.00%
NO CHANGE
15/01/2026
Penrith BS Regular Saver 200 Issue 2
5.00%
NO CHANGE
15/01/2026
Penrith BS Regular Saver 300
5.00%
NO CHANGE
15/01/2026
Principality BS 1 Year Triple Access Regular Saver
4.95%
4.75%
05/02/2026
Principality BS First Home Steps Issue 5
4.20%
4.00%
05/02/2026
Principality BS Learner Earner (Issue 1 & 2)
4.65%
4.40%
05/02/2026
Principality BS Learner Earner Issue 3
3.65%
3.45%
05/02/2026
Principality BS NHS Thank You Online Saver
3.15%
2.95%
05/02/2026
Principality BS NHS Thank You Saver
3.15%
2.95%
05/02/2026
Principality BS School Staff Saver
3.35%
3.10%
05/02/2026
Principality BS Thank You Online Saver (Issues 1 to 4)
3.35%
3.10%
05/02/2026
Principality BS Thank You Saver (Issues 1 to 4)
3.35%
3.10%
05/02/2026
Progressive BS Clockwork Regular Saver (Issue 1)
2.75%
2.50%
01/02/2026
Progressive BS Clockwork Regular Saver (Issue 2)
2.75%
2.50%
01/02/2026
Progressive BS First Home Saver
2.75%
2.50%
01/02/2026
Progressive BS First Home Saver Issue 2
3.50%
3.25%
01/02/2026
Progressive BS Online First Home Saver Issue 3
3.50%
3.25%
01/02/2026
Progressive BS Online Regular Rainy Day Saver
6.00%
5.75%
01/02/2026
Progressive BS Online Regular Rainy Day Saver Issue 2
4.00%
3.75%
01/02/2026
Progressive BS Online Regular Rainy Day Saver Issue 3
5.50%
5.25%
01/02/2026
Progressive BS Online Regular Rainy Day Saver Issue 4
7.00%
6.75%
01/02/2026
RBS Digital Regular Saver (<£5k only)
5.50%
5.25%
19/01/2026
Saffron BS 12 Month Members Regular Saver
3.95%
3.70%
28/01/2026
Saffron BS Braintree Regular Saver
4.00%
NO CHANGE
28/01/2026
Saffron BS Children's Regular Saver
4.20%
3.95%
28/01/2026
Saffron BS Small Saver
4.15%
3.90%
28/01/2026
Saffron BS Ware Regular Saver
4.20%
3.95%
28/01/2026
Scottish BS Regular Saver
6.50%
6.00%
30/01/2026
Skipton Home Deposit Saver Issue 1
4.01%
3.70%
26/01/2026
Skipton Home Deposit Saver Issue 2
4.01%
3.70%
26/01/2026
Skipton Home Deposit Saver Issue 3
4.01%
3.70%
26/01/2026
Skipton Home Deposit Saver Issue 4
4.01%
3.70%
26/01/2026
Skipton Member's Regular Saver Issue 4 (tracks BOE BR)
6.00%
5.75%
23/12/2025
Skipton Member's Regular Saver Issue 5 (tracks BOE BR)
6.00%
5.75%
23/12/2025
Skipton Regular Saver Issue 1 (tracks BOE BR)
5.50%
5.25%
23/12/2025
Skipton Regular Saver Issue 2 (tracks BOE BR)
5.50%
5.25%
23/12/2025
Stafford Railway BS Regular Saver
4.40%
4.15%
23/01/2026
Suffolk BS 1 Year Variable Rate Regular Saver (31.03.2026) (includes online)
4.60%
4.35%
19/01/2026
Suffolk BS 2 Year Variable Rate Regular Saver (31.12.2026)
4.40%
4.15%
19/01/2026
Suffolk BS Variable Rate Regular Saver (31.05.2026)
4.60%
4.35%
19/01/2026
Swansea BS Regular Monthly Saver
4.07%
3.82%
01/02/2026
Vernon Online Regular Saver
5.75%
NO CHANGE
01/02/2026
West Brom Access Regular Saver
2.35%
2.20%
03/02/2026
YBS 50 Pound Regular Saver/eSaver
6.00%
NO CHANGE
05/02/2026
YBS First Home Saver/eSaver
4.70%
NO CHANGE
05/02/2026
YBS Loyalty Regular Saver/eSaver
4.85%
NO CHANGE
05/02/2026
YBS Regular Saver/eSaver
4.25%
NO CHANGE
05/02/2026
Zopa Regular Saver Pot
7.10%
NO CHANGE
02/01/2026
The following banks/building societies did not declare what they are doing with the interest rates on their savings accounts:
- GB Bank
- Melton BS
Following the Bank of England's decision to hold the base rate at 3.75% on on 5th February 2026 this thread is no longer being updated.
A link to this post shall included on the first page of The Archived History Of Regular Savers Thread *** NO CHAT*** thread in the Regular Saver Interest Rate Changes Announced As A Result Of BOE Base Rate Changes: section for future reference as per usual.
33 -
Really appreciate you posting this, I've gained all of 16p, but more importantly, I wont be scratching my head why I can't get the account to balance.
0 -
Darlington BS
So am I the only person who has suffered a double debit
i.e. one on 15-Jan-2026 and another on 30-Jan-2026
0 -
Darlington BS
Well on mine 15th Jan was a debit but 30th Jan was a credit.
0 -
Skipton BS
That's my experience too, sometimes even quicker.
My notes, the details of which I presumably found in the T&Cs, says:
Weekdays, before 8pm, should appear within 2 hours, or definitely before cob the next business day
1
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