The Top Regular Savers Discussion Thread

clairec666

where_are_we said:

ForumUser7 said:

Virgin Money RS 6.5%

Is the maximum balance for this going to be 3250 (13x250)? Can't see anything restricting 13th payments, or stating a maximum balance.

Thanks

That`s my reading of it too. I have set up 12 SO`s for £250 (following opening deposit of £250) starting 1/9/25 ending 1/8/26. Maturity is 28/8/26 so that 13th payment of £250 will earn 6.5% for 28 days which makes it worth doing. I would imagine that 6.5% will look a good rate during August 2026.

I've had a good dig through the T&Cs and can't see anything about a maximum balance and a maximum number of deposits. Also given that all accounts run to a fixed end date, rather than being for an exact 12 month term, suggests that an August 26 deposit will be possible. You're right - 6.5% will probably be a rare thing come next August.

Kim_13

Hattie627 said:

For those with the open-ended Stafford BS Regular Saver (currently paying 4.40% variable, before the latest base rate drop), the following offer is now open:-

Dear [Customer Name],

We are pleased to offer members the option to make an extra contribution to their Regular Saver accounts. This offer allows you to build up your savings, in addition to your regular monthly payments.

Until 30 September 2025, you can add up to £12,000 per account on top of your usual monthly deposits. It is a simple way to make more of your Regular Saver accounts.

Starting to think this is an annual or bi-annual offer to be honest. They definitely offered it this time two years ago when they increased the monthly allowance from £500 to £1,000.

Good to know they aren’t cutting the rate this time, as they cut by more than the cut last time around. If I win big on the Premium Bonds next month, I’ll know where to start - but other than that, 4.4% still beaten by Skipton MBS for me (which will probably become 4.75% given it has just gone NLA.)

lyic

Darlington BS 12 Month Regular Saver (https://www.darlington.co.uk/savings-account/12-month-regular-saver/)

Now available at 6%

@Bridlington1

Hattie627

Kim_13 said:

Hattie627 said:

For those with the open-ended Stafford BS Regular Saver (currently paying 4.40% variable, before the latest base rate drop), the following offer is now open:-

Dear [Customer Name],

We are pleased to offer members the option to make an extra contribution to their Regular Saver accounts. This offer allows you to build up your savings, in addition to your regular monthly payments.

Until 30 September 2025, you can add up to £12,000 per account on top of your usual monthly deposits. It is a simple way to make more of your Regular Saver accounts.

Starting to think this is an annual or bi-annual offer to be honest. They definitely offered it this time two years ago when they increased the monthly allowance from £500 to £1,000.

Good to know they aren’t cutting the rate this time, as they cut by more than the cut last time around. If I win big on the Premium Bonds next month, I’ll know where to start - but other than that, 4.4% still beaten by Skipton MBS for me (which will probably become 4.75% given it has just gone NLA.)

Stafford RS

It's not a great rate for a Regular Saver but could be a holding place for short-term funds. Up to 4 penalty-free withdrawals per year allowed. They also now do FP withdrawals to nominated account. No need to send in passbook.

fergie_

Good that Natwest / RBS are not changing. I'd taken some money out of mine and put it back in at the end of the same month - except they credited it as being paid in on the 1st of the next month. So I'm back to utilising 5x PayPal round ups.

HHUK

HHUK said:
I submitted my closure form online about a week ago, since when I've heard nothing ... I tried the online chat but found it worse than useless, so decided to call the number mentioned at the end of the chat: 0800 028 4836.

Spoke with an extremely pleasant, friendly and helpful agent, who was unable to locate my closure request. She said she'd action the closure again from scratch, and that it could take 3-5 working days, on account of the volume of such requests they've received. If it happens quicker than that, it will be because the form had in fact turned up and been processed.

Virgin RS Final Interest Payment

Interest of £24.94 has just arrived in my Virgin M Plus current account, less than four hours after I called them. As much as I would love to believe this was down to my irresistible charm on the phone, I imagine it's more likely that the form I submitted last weekend eventually found its way through their systems.

RosieRooBear

lyic said:

Darlington BS 12 Month Regular Saver (https://www.darlington.co.uk/savings-account/12-month-regular-saver/)

Now available at 6%

@Bridlington1

Opened and funded, thank you ☺️ 
Payments made before 5pm will be credited from today

Bridlington1

lyic said:

Darlington BS 12 Month Regular Saver (https://www.darlington.co.uk/savings-account/12-month-regular-saver/)

Now available at 6%

@Bridlington1

I couldn't help but notice the addition of this term, which wasn't in issue 1:

s71hj

lyic said:

Darlington BS 12 Month Regular Saver (https://www.darlington.co.uk/savings-account/12-month-regular-saver/)

Now available at 6%

@Bridlington1

Will seem even more competitive after yesterday's rate cut filters it's way though the list of current top accounts

ThePirates

lyic said:

Darlington BS 12 Month Regular Saver (https://www.darlington.co.uk/savings-account/12-month-regular-saver/)

Now available at 6%

@Bridlington1

Opened and funded as a new customer, really simple! 

Thanks for the heads-up!