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The Top Regular Savers Discussion Thread
Comments
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And you need to have made 5 or more deposits so if anyone has has missed any months today is the day …
“Create all the happiness you are able to create; remove all the misery you are able to remove. Every day will allow you, --will invite you to add something to the pleasure of others, --or to diminish something of their pains.”0 -
No, I'm cashing out of my reg savers as want to buy a house next year. Have 9 still running.
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Mine matured today, and I wasn't going to open the 27 version… but did.
Can be closed if the rate becomes (even) less attractive.
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Ditto …. plus leaving £1 in the EA for a foot-in-the-door, as I have no other WB accounts.
Compiler of the RS League Table.
https://forums.moneysavingexpert.com/discussion/6670416/how-many-regular-savers-do-you-have-the-league-table/p10 -
West Bromwich - it depends on what your bottom line is but I opened the WB regular saver 8 in May to keep continuity - OK its 5% and fixed - below what many people prefer for a regular saver interest and no withdrawals allowed …. but at least its better-than- nothing.
Also it does mean that if you also have a gap of few if any regular savers maturing in November 2027 it will plug the gap.
https://www.westbrom.co.uk/savings/regular-savers#savings-table
“Create all the happiness you are able to create; remove all the misery you are able to remove. Every day will allow you, --will invite you to add something to the pleasure of others, --or to diminish something of their pains.”0 -
Principality:
In my case I just opted to convert my maturing Christmas 2026 RS into a Christmas 2027 upon maturity, I had just over £100 I couldn't fit into RSs in October with the maturing Principality RS so it made sense to roll it over. I'm expecting to close it on Monday to help fund November's RSs
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West Brom: I've certainly not forgotten about the prize draw! I gave my maturity instructions via live chat to transfer the balance and interest to my nominated account on maturity (1st November), and they even called and emailed afterwards to say that this would happen on 2nd November due to the weekend with funds arriving by end of 3rd November at the latest. All would have been fine by me but the money arrived in my account last night. Hmmm.
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Principality - at this stage, i'm giving it a miss… I recall the calculator said i'd make £9 more than leaving the money in an EA, that drops to £7 if there is a 0.25% base rate increase… I dunno - my head says that's a free £7+ to earn, but I am not sure I can be bothered.
West Brom - the maturity email I received from them said that it matures into another RS rather than an EA account (though you can make withdrawals)…
On 31 October 2026 the term of your Winter Ready savings account ends, and we’d like to know what you want to happen next.
If we don’t hear from you before your account matures, we’ll automatically move your savings into our Access Regular Saver paying 2.10% gross p.a./AER variable, as part of the Specific Terms and Conditions of your account.
There’s a couple of things to keep in mind as the Access Regular Saver isn’t the same as your maturing account. To keep a rate of 2.10% you’ll need to pay in £20 or more per month (please check that your monthly payments are at least £20). If you miss more than two monthly payments your rate will drop to 1.40%. You can find information about the Access Regular Saver at the bottom of this email.
Your savings will move to this account on 1 November 2026.
Tipton Save & Grow Regular Saver - just a heads up for those that recently opened this account (in my case the App version), that this pays interest on 31st October this year and next - so I have received an interest payment on the account today.
Hinckley BS - still waiting for the passbook / online activation letter to arrive, so likely cannot make a second deposit tomorrow (not least because I don't know my account details)… in fairness, i've not had any post all week, so I hope RM are consolidating the week's post into one delivery… if nothing has arrived by Tuesday, i'll give them a call.
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Principality:
It's my only account with them so opted to do the same and open a new, but apart from the initial deposit just to keep an account open. Principality has definitely gone down from the times they had a few high interest paying options.
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Principality:
I have a FHS RS still lying around with £1 so that keeps membership quite nicely. I'm sure one day in the not too distant future they'll come up with something nice again, Leeds, Santander, Progressive BS etc have all had decent RSs, had times where they've offered very little, then returned with better accounts, Principality themselves have had periods I seem to recall where they've offered little of interest but bounced back.
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