The Top Regular Savers Discussion Thread

surreysaver

Unless via a debit card into their easy access account and immediately transfer it to the regular saver?

This is the method I use at the beginning of each month, but don't know whether it would work at this late hour

ForumUser7

https://forums.moneysavingexpert.com/discussion/comment/81864313#Comment_81864313

I was thinking debit card, but looks like for some reason they don't allow it into their RS online, and I don't have the easy access. Good workaround though. Luckily I have just discovered it only matured in January and I put the rollover instructions to retain £300 of the funds, so I couldn't have deposited again anyway 😅

allegro120

https://forums.moneysavingexpert.com/discussion/comment/81864270#Comment_81864270

Progressive - week days only.

Hal17

I had a senior moment this afternoon. January has been a really manic month and I had forgot to fund a number of my regular savers. No problem I thought, it's still the 31st January I will do them now!

I have just realised that it is Saturday and the funds will not be processed until Monday, which is the 2nd February. Even though they were sent fast track, I assume I will have to accept that these will be treated as February payments. At least I'm ahead of the game. 😎

clairec666

https://forums.moneysavingexpert.com/discussion/comment/81864359#Comment_81864359

Some may have sneaked in as January payments, if A) that account processes payments on non-working days, and B) you were before their cut-off time.

KneadtheDough

https://forums.moneysavingexpert.com/discussion/comment/81864140#Comment_81864140

FUNDING RS a/cs on the 1st / 2nd

[Edited:] Same, but Furness on Sunday and Hanley on Monday.

Bridlington1

A summary of changes to the listings on the first page of The Top Regular Savers Discussion Thread between 1st January 2026 and 31st January 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:

The Top Regular Savers Discussion Thread has moved to a new thread:

For those of you who had it bookmarked you'll need to update your link. The move was caused by formatting issues when copying data between new posts in the archived thread and posts on p1 of the old thread as a result of the new text editor.

For those of you experiencing issues with the new text editor, I would strongly recommend ensuring they are raised on the new feedback board for the text editor:

https://forums.moneysavingexpert.com/categories/rich-editor-feedback

The following accounts have been added between 1/1/26 and 31/1/26 (see first page of The Top Regular Savers Discussion Thread for details):

Leeds BS Regular Saver (Issue 74) at 4.45%	Launched 30/1/26
Mansfield BS My Milestone Saver at 6%	Launched 22/1/26
Market Harborough Fixed Term Regular Saver (31.03.2027) at 5.75%	Launched 20/1/26
Yorkshire Building Society Christmas 2026 eSaver/saver  at 5%	Launched 15/1/26
Harpenden BS 18-30 Regular Saver (Issue 1) at 6%	Launched 6/1/26
West Brom BS Winter Ready savings account at 6%	Launched 5/1/26
Chorley BS Regional 2 Year Flexible Saver (31.12.2027) at 5.15% (reduces to 5.1% from 16/1/26)	Launched 2/1/26
Chorley BS Regular Saver (31.12.2026) at 5.15% (reduces to 5.1% from 16/1/26)	Launched 2/1/26

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

NLA 2/1/26	Chorley BS Regular Saver (30.11.2026)	Launched 1/12/25
Interest rate	5.15% gross p.a. variable (reduces to 5.1% from 16/1/26)
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 30/11/26
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 31/12/25. Only one Regular Saver, one Seasonal Saver and one Regional 2 Year Flexible Saver can be held in any 12 month rolling period
NLA 2/1/26	Chorley BS Regional 2 Year Flexible Saver (30.11.2027)	Launched 1/12/25
Interest rate	5.15% gross p.a. variable (reduces to 5.1% from 16/1/26)
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 30/11/27
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 the 31/12/25. Only one Regular Saver, one Seasonal Saver and one Regional 2 Year Flexible Saver can be held in any 12 month rolling period. Must live in one of the following postcode areas (CA, FY, PR, LA, WN, BL, L, WA, BB, CH, M, SK, CW, OL).
NLA 20/1/26	Market Harborough Fixed Term Regular Saver (30.11.2026)	Launched 10/11/25
Interest rate	5.8% gross p.a. fixed
Monthly payment	£10-£250 per calendar month
Miss any payments	Yes, you can miss one payment
Penalty-free withdrawals	No withdrawals permitted however if more than one monthly payment is missed during a calendar year the account will be transferred to the easy access account and interest rate at that time.
Age of applicant	Any age; for under 18s, the account must be opened by an adult in the capacity of Trustee.
How to open account	Branch only, unless applying on behalf of someone under 18, in which case it can be opened by post.
Length of account term	Matures 30/11/2026
Maximum balance	£3,750
Deposits on non-working days	Treated as having been received the next working day.
Special conditions	Customers may only have two Fixed Term Regular Saver accounts open at a time, either solely or jointly, with a combined maximum deposit of £250 per month not exceeding the maximum balance of £3,750.00. Further deposits into this product may be prohibited at any time. When they do this, they will update the relevant section within the ‘Current interest rates for withdrawn products’ page of mhbs.co.uk. They will not personally notify you when they do this.
NLA 23/1/26	Newcastle BS Festive Regular Saver	Launched 14/11/25
Interest rate	6.5% AER Variable
Monthly payment	£0-£150 per calendar month
Miss any payments	Yes, as many as you like
Penalty-free withdrawals	Unlimited
Age of applicant	At least 16 years old
How to open account	Branch
Length of account term	1 year from opening
Maximum balance	£1,800
Deposits on non-working days	Treated as having been received the same day.
Special conditions	n/a
NLA 28/1/26	Loughborough BS 2 Year Super Saver Account (Local)	Launched 14/4/25*** Ts&Cs Updated 13/6/25
Interest rate	5% AER variable
Monthly payment	£500-£1000 per calendar month ***
Miss any payments	No. If the required 24 monthly deposits are not made, the account will be transferred to an Instant Access Saver 1.
Penalty-free withdrawals	1 withdrawal per account year (1st April-31st March) plus closure
Age of applicant	Aged 16 or older
Length of account term	24 months from opening
Maximum balance	£24,000
How to open account	branch/post
Deposits on non-working days	Treated as having been received the next working day.
Special conditions	Only available to new and existing customers residing in the postcodes LE, DE, NG and existing customers who have held a savings or mortgage account since 1st June 2025.*** Was first spotted around midnight of 15/4/25 but judging by the way it appears on moneyfacts it appears to have been launched before then.
NLA 30/1/26	Leeds BS Regular Saver (Issue 73)	Launched 31/12/25
Interest rate	4.45% gross p.a. variable
Monthly payment	£0-£250 per calendar month
Miss any payments	Yes, miss as many as you wish
Penalty-free withdrawals	One withdrawal per calendar year (including account closure) is permitted subject to the minimum balance of £100 being maintained. Further withdrawals can be made subject to 30 days loss of interest on the amount withdrawn.
Age of applicant	Aged 18 or over
How to open account	Branch, online or post
Length of account term	Matures 3/1/2028
Maximum balance	£6,000 plus interest
Deposits on non-working days	Treated as having been received the same day.
Special conditions	You may only hold one Leeds Building Society Regular Saver product of any issue at a time. Withdrawals/closure can be made by faster payment over the phone.

The following accounts have been removed due to rates falling below the thresholds for inclusion between 1/1/26 and 31/1/26:

Removed 28/1/26	Saffron BS 12 Month Members' Regular Saver (Issue 2)	Re-added 31/12/25
Interest rate	3.95% AER variable from 17/9/25 (reduces to 3.7% from 28/1/26)
Monthly payment	£50-£500 per calendar month
Miss any payments	No stated penalty for missing any payments
Penalty-free withdrawals	Unlimited
Age of applicant	At least 16 years old
How to open account	Branch, online or post
Length of account term	12 months from the date of opening
Maximum balance	£6000
Deposits on non-working days	Treated as having been received the next working day.
Special conditions	You must have held a savings or mortgage account with Saffron for 12 months. Alternatively you must have been a signatory, Power of Attorney or Court of Protection with Saffron for at least 12 months. You can only hold one Regular Saver or Small Saver per customer, be it held in sole or joint name(s), with Saffron Building Society at a time.
Removed 28/1/26	Saffron BS Small Saver	Re-added 31/12/25
Interest rate	4.15% AER variable from 17/9/25 (reduces to 3.9% from 28/1/26)
Monthly payment	£1-£50 per calendar month
Miss any payments	No stated penalty for missing any payments
Penalty-free withdrawals	Yes, one per month
Age of applicant	At least 16 years old
How to open account	Branch, online or post
Length of account term	12 months from the date of opening
Maximum balance	£600
Deposits on non-working days	Treated as having been received the next working day.
Special conditions	You can only hold one Regular Saver or Small Saver per customer, be it held in sole or joint name(s), with Saffron Building Society at a time.
Removed 28/1/26	Saffron BS Children's Regular Saver Issue 2	Re-added 31/12/25
Interest rate	3.95% AER variable from 28/1/26
Monthly payment	£5-£100 per calendar month
Miss any payments	Yes, you can miss as many as you like
Penalty-free withdrawals	As many as you like
Age of applicant	Under 18
How to open account	Branch and post only
Length of account term	1 year from account opening
Maximum balance	£1,200
Deposits on non-working days	Treated as having been received the next working day.
Special conditions	N/A
Removed 31/1/26	Swansea BS Regular Monthly Saver	Added 3/1/26***
Interest rate	4.07% AER (4% gross) variable (reduces to 3.82% AER, 3.75% gross) from 1/2/26
Monthly payment	£25-£2500 calendar month
Miss any payments	No- Account closed if payments are missed.
Penalty-free withdrawals	Unlimited provided each withdrawal is at least £1
Age of applicant	Age 18 or over
How to open account	Branch or post
Length of account term	No end date with caveat (see below)
Maximum balance	£18,000
Deposits on non-working days	Treated as having been received the same day.
Special conditions	To open an account, you must be resident in Wales. *** Was eligible for inclusion from 31/12/25 but not spotted until 3/1/26. The account balance after 12 months from account opening must be paid away from the account into the designated instant access account held at the Society. However, the account holder(s) can continue to pay monthly into this account without a break in deposits. The account holder(s) will be written to at the time of the annual anniversary of the account opening with confirmation of the transfer made.

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

NLA 23/1/26	Furness BS 160th Anniversary Regular Saver	Launched 15/1/26
Interest rate	6.75%AER (6.71% gross). variable
Monthly payment	£1-£160 per calendar month
Miss any payments	No- if you do you'll be given 14 days notice and then the account shall be transferred into an access account.
Penalty-free withdrawals	Yes, 1 withdrawal plus closure
Age of applicant	Aged 16 or over
How to open account	Branch, online and app
Length of account term	10 months from account opening
Maximum balance	N/A
Deposits on non-working days	Treated as having been received the same day.
Special conditions	N/A

Bridlington1

PowerSavingMode Posts:380 Forumite  Today at 12:57AM https://forums.moneysavingexpert.com/discussion/comment/81864140#Comment_81864140 FUNDING RS a/cs on the 1st / 2nd Same here: Furness on Monday and Hanley on Sunday.

I have Furness down as being one to fund on non-working days. Their Ts&Cs state:

I did query the discrepancy with them a couple of times and they've said their systems use two dates, the date received and the date available to use. Statements show the date available to use but interest is calculated from the date received.

Therefore if you send funds to a Furness account today it shall show on your statement as though it was received on Monday but begin earning interest from the Sunday.

x44

For the Dudley Festive regular saver (5.5%) postal application what should be the initial deposit cheque payee be written as. It's not seemingly stated anywhere, but the obvious options are

1. to yourself, 2. to "Dudley Building Society", or 3. a combo being "Dudley B.Society - yourself"

Slinky

Is Chorley one I should be paying today please?