The Top Regular Savers Discussion Thread

Bridlington1

P1 of this thread has now been restored:

I've deleted the broken post as I can't see the technical issue that caused it to break being resolved anytime soon.

I was fortunate in that the first 3 posts on p2 of this thread were mine so I could merge two of them and do a shuffle around.

I've also cleared out p1 of the archived thread, moving about a dozen RS Ts&Cs to the RS Archives spreadsheet which are RSs that nobody should have as they should all of matured.

I'll do my usual monthly summary of updates later today, thresholds going into November remain frozen for the time being, but may change going into December depending on what happens to the savings landscape more generally.

Bobblehat

@janusd

Thanks for the correction … the RS gets converted to another RS rather than an EA. I am going to treat it like an EA, in that I intend to leave a £1 in and make no more payments. 1.40% instead of 2.10% …. both pants rates, but retains the foot-in-the-door 💤

mhoc

https://forums.moneysavingexpert.com/discussion/comment/82187754#Comment_82187754

Hinkley - will also be ringing on Monday. We both got our activation codes today. I tried to log in to the account and it is not recognizing my memorable word so I need to ring Hinkley to reset it (back to what it is now already!) OH also tried tolog into his account and its not recognizing his password. He has asked for a passcode to be sent to his email address so he can reset and its not arriving. This suggests a fault at their side for both of us to be having issues - I have all of the log in details in front of me in readiness for the activation codes ….

surreysaver

https://forums.moneysavingexpert.com/discussion/comment/82187782#Comment_82187782

I've still got the original Principality Learner Earner account open to keep membership, although I think the interest rate on it is currently 4.4%, so not worth the bother of keeping more than £1 in it!

BestSeagull

https://forums.moneysavingexpert.com/discussion/comment/82187815#Comment_82187815

Hinkley & Rugby- entering activation codes.

Did you use Log In or Register? It needs to be Register until the codes have been entered. One of their representatives mentioned it to me in the passing.

mhoc

https://forums.moneysavingexpert.com/discussion/comment/82187896#Comment_82187896

Yes I was def using the register section. 1st page asks for name, DOB and postcode. The second page asks for your username/username and password - I typed these in as I know some websites don't like C&P - tried both email and username. I am wondering now if it wants me to do a password reset each time I log in which could get annoying. Anyway I will ring on Monday …

cc123mm456

https://forums.moneysavingexpert.com/discussion/comment/82187931#Comment_82187931

Hinckley & Rugby

I received my activation code by post last Thursday. I activated my user account successfully.

The procedure I used was to choose "Login", then enter the username and password. After that the prompt for the activation code was displayed.

I only used the "Register" option at the first step, to start the process to generate the letter with the activation code.

Slinky

H&R

I've had the passbook and the Telephone Security request (which I haven't sent back yet, is this really necessary, another 91p stamp), but haven't had any website/activation information. Is that dependant on sending in the Telephone Security info?

cc123mm456

https://forums.moneysavingexpert.com/discussion/comment/82188038#Comment_82188038

Have you completed the "Register" step for H&R online? They will only post the activation code after you've submitted that.

Once the account is activated, you can send the telephone security code by a secure message while logged in to your online account.

Bridlington1

A summary of changes to the listings on the first page of The Top Regular Savers Discussion Thread between 1st October 2026 and 31st October 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 1/10/26 and 31/10/26 (see first page of The Top Regular Savers Discussion Thread for details):

The following accounts have been withdrawn between 1/10/26 and 31/10/26:

NLA 1/10/26	Chorley BS Regional 2 Year Flexible Saver (31.08.2028)	Launched 1/9/26
Interest rate	5% gross p.a. variable
Monthly payment	£25-£400 per calendar month
Miss any payments	Yes, miss as many as you like
Penalty-free withdrawals	2 withdrawals per year excluding early closure. If more than 2 withdrawals are made within a 12 month period the account shall be closed.
Age of applicant	Age 18 years old or older
How to open account	Branch, post or online
Length of account term	Matures on 31/8/28
Maximum balance	N/A
Deposits on non-working days	Treated as having been received the next working day.
Special conditions	Initial deposit must be received by 30/9/26. Only one Regular Saver, one Seasonal Saver and one Regional 2 Year Flexible Saver can be held in any 12 month rolling period
NLA 1/10/26	Chorley BS Regular Saver (31.08.2027)	Launched 1/9/26
Interest rate	5% gross p.a. variable
Monthly payment	£25-£400 per calendar month
Miss any payments	Yes, miss as many as you like
Penalty-free withdrawals	None, but the account can be closed early without penalty
Age of applicant	Age 18 years old or older
How to open account	Branch, post or online
Length of account term	Matures on 31/8/27
Maximum balance	N/A
Deposits on non-working days	Treated as having been received the next working day.
Special conditions	Initial deposit must be received by 30/9/26. Only one Regular Saver, one Seasonal Saver and one Regional 2 Year Flexible Saver can be held in any 12 month rolling period
NLA 2/10/26	Monmouthshire BS Regular Saver Issue 8	Launched 25/7/25
Interest rate	6% AER variable
Monthly payment	£0-£500 per calendar month
Miss any payments	Yes, miss as many as you like
Penalty-free withdrawals	Unlimited
Age of applicant	Aged 16 and over
How to open account	Branch/agency or app
Length of account term	12 months from date of first deposit
Maximum balance	£6,000
Deposits on non-working days	Treated as having been received the next working day.
Special conditions	NI residents are excluded from opening this account.
NLA 5/10/26	Skipton BS Member Regular Saver (Issue 6)	Launched 18/6/26
Interest rate	5.75% AER variable (tracks 2% above the BOE base rate for 12 months)
Monthly payment	£0-£250 per calendar month
Miss any payments	Yes, miss as many as you like
Penalty-free withdrawals	No withdrawals except for account closure
Age of applicant	Aged 16 and over
How to open account	Branch, online, post or telephone
Length of account term	12 months from date of first deposit
Maximum balance	£3,000
Deposits on non-working days	Treated as having been received the next working day.
Special conditions	You need to hold a continuous membership with Skipton Building Society (a Savings Share account or a Mortgage) for at least 30 days with a minimum balance of £1. Any unused monthly allowances can be rolled over to future months, up to a maximum of £3,000 over the 12-month term. Joint accounts are not allowed.  You can only hold one Member Regular Saver account (either a Member Regular Saver or a Branch Member Regular Saver) in your name at any one time. This account is available to those who don't already hold a product from Skipton's Regular Saver range (either a Member Regular Saver, Branch Member Regular Saver, Regular Saver or a Branch Regular Saver) at the time of application. If the Bank of England Base Rate changes, the new interest rate on your account will apply without notice, no more than 14 days after the change is effective.
NLA 30/10/26	Leeds BS Branch & Post Member Regular Saver	Launched 17/9/26
Interest rate	6.5% AER variable
Monthly payment	£0-£250 per calendar month
Miss any payments	Yes many as you wish
Penalty-free withdrawals	1 penalty free withdrawal plus closure
Age of applicant	Aged 18+
How to open account	Branch/post
Length of account term	Matures 2/11/27
Maximum balance	£3,000- If balance exceeds this the interest rate for the whole balance is reduced significantly
Deposits on non-working days	Treated as having been received the next working day.
Special conditions	To open the account you must have been a Leeds Building Society member continuously, since 31 December 2025 holding either a savings account (with a minimum balance of £1) or a mortgage