For Regular Saver fans, I just opened one of these:
6 months term and no previous membership requirements makes it quite unusual.
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Until I had £30k in premium bonds, I won £0.
To be accurate, it was 15 years of £1k in bonds that had zero return.
£30k lump sum purchase netted the odd £25 win. Returns were still poor.
Current investment in PB is £0
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Not massively competitive for a RS… FD 7% fixed, Zopa 7.5% fixed, even Nationwide are paying 6.5% variable.
Ah yes, I wasn’t sure about Zopa, bad luck.
16+ for Principality, who have some cracking offers:
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Not good how they charge you 30 days interest if you withdraw any money before October 2025.
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They’re bad for 30 day interest charges on withdrawals. Only recent one that didn’t was the Sunny Day regular saver but it was 18+ which seems weird on a savings account.
Thing is, you never know when you might need to dip into what you were always intending to be a long term savings. So, all else being equal, I go for options with no penalty.
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I still have unlimited withdrawals elsewhere at a higher rate, so I’ll pass 
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4.75% no restrictions Gatehouse easy access
Lots available to make a 4.5% lock unattractive atm
BoE meeting next Thursday though
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Oh no!
And I have two! Greedy me 
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Max savings rate dropping to 3.85%.
(I’m not using it any more but sure Santander will follow.)
I’ve got a Gatehouse EA which is currently 4.75%, but thats no longer available, is next day withdrawal and I think due to reduce anyway. I’m sticking with Ulster Loyalty for the bulk of non-fixed savings unless something 0.15 - 0.25%+ pops up (and not fintech)
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Cahoot, Marcus, Zopa all still OK too. Plus Santander Edge up to 4k - rate hasn’t dropped yet.