The Top Regular Savers Discussion Thread

Bridlington1

https://forums.moneysavingexpert.com/discussion/comment/81903952#Comment_81903952

Although I would also say it's perfectly fair to point out where appropriate that discussion is better off remaining in one thread as opposed being split between this and another thread.

I would also add that where people disagree with the me on the scope of this thread I am not, in principle against being persuaded to change my mind if someone takes the time to message me directly with well reasoned points. There comes a point though where if enough people attempt to dictate how people choose to run their threads they may begin question what the point in bothering is and whether their time would be better spent outside of the forum.

Bridlington1

https://forums.moneysavingexpert.com/discussion/comment/81903970#Comment_81903970

Mainly to give me a get out clause to avoid having to list every single RS on offer to keep the lists manageable. This is primarily because there's many reasons why I choose not to wear my underpants on the outside of my trousers, the fact that I am not superman is one of them.

clairec666

https://forums.moneysavingexpert.com/discussion/comment/81903980#Comment_81903980

The cut-off for eligible accounts works quite well, there are more accounts out there which officially count as "regular savers" but the interest rate isn't particularly appealing compared to easy access accounts. Plus as you say the list needs to be kept to a manageable size!

The majority of accounts which generate discussion on here are offering 6% or more. Naturally, the conversation will tend towards the higher-paying accounts.

Bridlington1

https://forums.moneysavingexpert.com/discussion/comment/81903997#Comment_81903997

I've intentionally set thresholds low as I work on the assumption that there shall be people with large sums of money for whatever reason so shall be wanting to fund anything that beats or is equal to easy access accounts, those that don't want as many RSs can just pick and choose the ones they want.

Like you say it's only natural that people shall want to discuss the highest paying RSs, I'd be surprised if everyone started discussing Principality's First Home Saver at length for example, though I seem to recall they did in the versions run by SS2 as the rate was better then, especially for the top tiers of its interest rate.

Kim_13

Also the thread has had Top in the title since 2007 as far as I'm aware, given that Bridlington1 would have been in primary school at the time he clearly didn't choose it.

To me, Top implies a regularly updated thread, so it has that purpose as well as setting the parameters for inclusion. Some accounts that fall outside of the thresholds are mentioned in passing, or a question asked and answered, it is just that they do not qualify to be listed on the first page. For example, the Coventry Sunny Day Saver (2) which offers prize draw entries. I would have missed out if not for following this thread, but it never featured as such as it launched in September at 4.3% (I think the threshold was 4.5% then) and although it is paying 4.15% now (lowest rate to be featured) it is no longer available to open.

Bridlington1

A summary of changes to the listings on the first page of The Top Regular Savers Discussion Thread between 1st February 2026 and 28th February 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 Regular saver timeline spreadsheet has been updated to reflect the below:

The following accounts have been added between 1/2/26 and 28/2/26 (see first page of The Top Regular Savers Discussion Thread for details):

Nottingham BS Branch Regular Saver Issue 7at 4.25%	Launched 13/2/26
Nottingham BS Online Regular Saver Issue 4 at 4.25%	Launched 13/2/26
Principality BS 6 Month Regular Saver (Issue 5) at 7.5%	Launched 12/2/26
Principality BS 1 Year Regular Saver Bond (Issue 37) at 4.75%	Launched 12/2/26
State Bank of India Regular Saver Account Issue 3 at 4.25%	Launched 12/2/26
Zopa Regular Saver Pot at 7.1%	Launched 6/2/26
Suffolk 1 Year Fixed Rate Regular Saver (30.04.2027) at 4.9%	Launched 4/2/26
Suffolk BS Online 1 Year Fixed Rate Regular Saver (30.04.2027) at 4.9%	Launched 4/2/26
Hanley Economic BS 1 Year Online Smart Saver (TAR10) at 6.3%	Relaunched 3/2/26***
Chorley BS Regional 2 Year Flexible Saver (31.01.2028) at 5.1%	Launched 2/2/26
Chorley BS Regular Saver (31.01.2027) at 5.1%	Launched 2/2/26
ESBS Monthly Saver at 6%	Launched 1/2/26

The following accounts have been withdrawn between 1/2/26 and 28/2/26:

NLA 1/2/26	Principality BS Christmas 2026 Regular Saver	Launched 23/10/25 *** Ts&Cs updated 21/1/26
Interest rate	6.5% AER fixed
Monthly payment	£0-£150 per calendar month
Miss any payments	Yes, you can miss as many as you wish
Penalty-free withdrawals	No withdrawals allowed but early closure is permitted without penalty
Age of applicant	Aged 16 or over
How to open account	Branch or online
Length of account term	12 months from the date of opening
Maximum balance	£1,800
Deposits on non-working days	Treated as having been received the same day.
Special conditions	***This account can only be opened by members with a maturing account as a maturity option. Was previously open to all.
NLA 2/2/26	Chorley BS Regular Saver (31.12.2026)	Launched 2/1/26
Interest rate	5.1% gross p.a. variable 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 31/12/26
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 31/1/26. Only one Regular Saver, one Seasonal Saver and one Regional 2 Year Flexible Saver can be held in any 12 month rolling period
NLA 2/2/26	Chorley BS Regional 2 Year Flexible Saver (31.12.2027)	Launched 2/1/26
Interest rate	5.1% gross p.a. variable 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 31/12/27
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 31/1/26. 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 2/2/26	Manchester 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	Deposits must come from your nominated account.
NLA 4/2/26	Suffolk 1 Year Fixed Rate Regular Saver (28.02.2027)	Launched 22/12/25
Interest rate	5% AER Fixed
Monthly payment	£10-£500 per calendar month
Miss any payments	Yes, as many as you like
Penalty-free withdrawals	None
Age of applicant	At least 16 years old
How to open account	Branch/post
Length of account term	Matures 28/2/2027
Maximum balance	None stated other than £500,000 across all Suffolk BS accounts
Deposits on non-working days	Treated as having been received the next working day.
Special conditions	N/A
NLA 4/2/26	Suffolk BS Online 1 Year Fixed Rate Regular Saver (28.02.2027)	Launched 22/12/25
Interest rate	5% AER Fixed
Monthly payment	£10-£250 per calendar month
Miss any payments	Yes, as many as you like
Penalty-free withdrawals	None
Age of applicant	At least 16 years old
How to open account	Online
Length of account term	Matures 28/2/2027
Maximum balance	None stated other than £500,000 across all Suffolk BS accounts
Deposits on non-working days	Treated as having been received the next working day.
Special conditions	N/A
NLA 6/2/26	Zopa Regular Saver Pot	Moved lists 24/6/25
Interest rate	7.1% gross p.a. variable
Monthly payment	£0-£300 per account month
Miss any payments	No penalty for missing any payments
Penalty-free withdrawals	Unlimited
Age of applicant	Aged 18 or over
How to open account	App
Length of account term	12 months from opening
Maximum balance	N/A
Deposits on non-working days	Treated as having been received the same day.
Special conditions	You must hold both a Zopa current account and a Zopa Smart Saver to open this account. Account was launched on 17/6/25 but remained in beta phase until 24/6/25.
NLA 12/2/26	Principality BS 6 Month Regular Saver (Issue 4)	Launched 28/8/25
Interest rate	7.5% AER fixed
Monthly payment	£0-£200 per calendar month
Miss any payments	Yes, you can miss as many as you wish
Penalty-free withdrawals	No withdrawals allowed but early closure is permitted without penalty
Age of applicant	Aged 16 or over
How to open account	Branch or online
Length of account term	6 months from the date of opening
Maximum balance	£1,200
Deposits on non-working days	Treated as having been received the same day.
Special conditions	N/A
NLA 12/2/26	Principality BS 1 Year Regular Saver Bond (Issue 36)	Launched 13/3/25
Interest rate	4.85% gross p.a. fixed
Monthly payment	£0-£250 per calendar month
Miss any payments	Yes, as many as you wish
Penalty-free withdrawals	Penalty-free account closure allowed but otherwise no withdrawals until account maturity
Age of applicant	Age 16 or over
How to open account	Branch or online
Length of account term	12 months from the date of opening
Maximum balance	£3,000
Deposits on non-working days	Treated as having been received the same day.
Special conditions	N/A
NLA 12/2/26	State Bank of India Regular Saver Account Issue 2	Launched 14/2/25***
Interest rate	4.5% gross p.a. fixed
Monthly payment	£20-£1,000 per calendar month
Miss any payments	None; if the minimum deposit is not made during a month, the interest rate will drop to the prevailing Instant Access Savings Account interest rate for that month
Penalty-free withdrawals	None; you will earn interest at a lower rate – the same rate offered on their Instant Access Savings Account for the month in which a withdrawal is made
Age of applicant	18 years or over
How to open account	To open a Regular Savers account, you must first have an SBIUK Instant Access Savings Account or Current Account. You can open this by visiting one of the SBIUK branches.
Length of account term	12 months from the date of opening
Maximum balance	N/A
Deposits on non-working days	Treated as having been received the next working day.
Special conditions	You must have a current account or instant access savings account with them and use this to deposit funds into the regular saver account  *** Account added to lists on 19/2/25 but appears to have been launched on 14/2/25..
NLA 13/2/26	Nottingham BS Branch Regular Saver Issue 6	Launched 1/12/25
Interest rate	4.25% AER variable
Monthly payment	£10-£500 per calendar month
Miss any payments	Yes, miss as many as you like
Penalty-free withdrawals	Unlimited withdrawals of £1+ provided at least £10 remains in the account
Age of applicant	Age 16 years old or older
How to open account	Branch only
Length of account term	Matures on 31/1/27
Maximum balance	£7500
Deposits on non-working days	Treated as having been received the next working day.
Special conditions	The most you can withdraw in any one day is £500 in cash, or any amount by cheque.
NLA 13/2/26	Nottingham BS Online Regular Saver Issue 3	Launched 1/12/25
Interest rate	4.25% AER variable
Monthly payment	£10-£500 per calendar month
Miss any payments	Yes, miss as many as you like
Penalty-free withdrawals	Unlimited withdrawals of £1+ provided at least £10 remains in the account
Age of applicant	Age 18 years old or older
How to open account	Online only
Length of account term	Matures on 31/1/27
Maximum balance	£7500
Deposits on non-working days	Treated as having been received the next working day.
Special conditions	The most you can withdraw in any one day is £500 in cash, or any amount by cheque or online.

The following accounts have been removed due to rates falling below the thresholds for inclusion between 1/2/26 and 28/2/26:

Removed 17/2/26 due to interest rate falling below threshold	Cumberland BS First Home Saver Account (Issue 2)	Added 31/12/25
Interest rate	4% gross p.a. variable from 7/10/25 (reduces to 3.75% from 18/2/26)
Monthly payment	£100-£1,500 per calendar month
Miss any payments	If you miss 2 or more consecutive payments, the account will be closed and the account balance transferred to an alternative instant access or savings account
Penalty-free withdrawals	Yes, subject to 90 days notice being given, withdrawals on demand are subject to 90 days loss of interest on the amount withdrawn
Age of applicant	Aged 16 years or older
How to open account	Branch
Length of account term	12 months from account opening
Maximum balance	£25,000 plus interest
Deposits on non-working days	Treated as having been received the same day.
Special conditions	This account is only available to open for first time buyers, over the age of 16, who are Cumberland current account customers.

The following accounts have been and gone between 1/2/26 and 28/2/26:

NLA 27/2/26	Virgin Money Regular Saver Exclusive Issue 5	Launched 2/2/26
Interest rate	6.5% AER Fixed
Monthly payment	£0-£250 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	Online if 18+, branch if 16+
Length of account term	Matures 26/2/27
Maximum balance	N/A
Deposits on non-working days	Treated as having been received the next working day.
Special conditions	You must have a Virgin Money personal current account (excluding Essential Current Account or Virgin Money Current Account) to be able to open the account

Bridlington1

https://forums.moneysavingexpert.com/discussion/comment/81904077#Comment_81904077

This forum is actually older than I am, though admittedly not by that much. I was too young to even attend primary school at the start of 2007.

Ultimately the title was chosen because the main purpose of the thread is to discuss the top regular savers, it's not its only purpose but if I were to list every purpose of the thread in its title it'd end up being something along the lines of ``The Top Regular Savers List and Discussion Thread For All Things Regular Savers Related Including Regular Savers Past, Present and Future, Regular Savers Experiences, Thoughts, Opinions etc".

Personally I thought it better to go with a slightly shorter title and leave the full definition in the opening post.

Pickledonionlover

A genuinely interesting turn of events on the Issue 5 PBS.

I was (and am) one that chanced their arm and opened one when it was launched and also had one roll over yesterday. Also another issue 4 maturity instructions to roll over, in a couple of weeks, to a issue 5 set up very recently.

I chose to keep this from the thread due to the angst similar posts were causing others.

But now it's been shared widely it seems only fair to share my experience.

For context I've been a PBS customer for years.

Am glad PBS feel this is legitimate.

Posted for information - not to antagonise 👍

dcs34

https://forums.moneysavingexpert.com/discussion/comment/81904151#Comment_81904151

Just to add to this to hopefully help others in similar positions: I opened an Issue 5 on the day it was released. (One of) my Issue 4 has today matured and renewed as a second Issue 5; I had given the maturity instructions over a week ago. No secure messages etc. during or following the maturity instruction process.

As said by others this seems to be a change in PBS' approach, as I was previously stopped from renewing one of my accounts into a duplicate copy of Issue 4 (after having been allowed to give maturity instructions to do so). This suggests Principality would like to enforce their rules, haven't (or can't) get it coded in the software, and after 1-2 months of staff manually intervening for each maturity, they've decided this is not a workable solution and have instead raised the threshold at which they bother to intervene (reportedly to customers with 3+ years history with PBS; YMMV).

I haven't tried directly opening a second (or third, now) copy of the Issue 5 and won't as this (1) feels outright dishonest and (2) seems not to be possible as per other posters' experiences. Plus now at least the maximum number of Issue 5s is limited by the current assortment of accounts that can be renewed into it…

WillPS

I predict the accounts will be closed on Monday.