The Top Regular Savers Discussion Thread

jameseonline

Are Darlington better than Monmouthshire BS?🤔

judgingjudy

chris_the_bee said:

Bridlington1 said:

For those funding multiple Market Harborough BS regular savers:

I have just received a letter from them saying that they've reviewed my account balances and they've noticed my deposits have exceeded the monthly limit allowed.

They've asked me to contact them within 14 days of the letter to arrange for the overpaid funds to be returned to me, saying if they don't hear from me they'll send the funds to my nominated account but that they'll still pay interest earned on the excess funds.

They've also enclosed the summary box for their Fixed Term Regular Saver (30.11.2025).

Market Harborough
Seems pretty clear to me.

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 £3,000.

However, current issue (30.09.2026) states maximum balance of £3,750 I assume account was released in July thereby allowing 15 monthly payments.

I have the March 2026 issue, which also has a maximum balance of £3,750.

However as some interest has already been paid in March 2025, this would mean that if I continue to fund the account with the full £250 per month, in February I'll need to fund by slightly less to take account of that interest; does anyone know if that's definitely correct, or if interest that's been paid doesn't count towards the maximum balance?

I haven't seen anywhere that it doesn't, so assume that would be the case.

chris_the_bee

judgingjudy said:

chris_the_bee said:

Bridlington1 said:

For those funding multiple Market Harborough BS regular savers:

I have just received a letter from them saying that they've reviewed my account balances and they've noticed my deposits have exceeded the monthly limit allowed.

They've asked me to contact them within 14 days of the letter to arrange for the overpaid funds to be returned to me, saying if they don't hear from me they'll send the funds to my nominated account but that they'll still pay interest earned on the excess funds.

They've also enclosed the summary box for their Fixed Term Regular Saver (30.11.2025).

Market Harborough
Seems pretty clear to me.

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 £3,000.

However, current issue (30.09.2026) states maximum balance of £3,750 I assume account was released in July thereby allowing 15 monthly payments.

I have the March 2026 issue, which also has a maximum balance of £3,750.

However as some interest has already been paid in March 2025, this would mean that if I continue to fund the account with the full £250 per month, in February I'll need to fund by slightly less to take account of that interest; does anyone know if that's definitely correct, or if interest that's been paid doesn't count towards the maximum balance?

I haven't seen anywhere that it doesn't, so assume that would be the case.

Normally, interest that's been paid doesn't count towards the maximum balance.

schiff

HHUK said:

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.

I've been expecting mine and I've had £25.78 (about what I was expecting) just credited to my nominated account. But the sender is named as Yb Customer Servic (sic) which sounds like Yorkshire BS. Is your 'sender' the same?

ThePirates

jameseonline said:

Are Darlington better than Monmouthshire BS?🤔

Much better, open and funded in 5 minutes, no app, all on the website

ccluedo

schiff said:

HHUK said:

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.

I've been expecting mine and I've had £25.78 (about what I was expecting) just credited to my nominated account. But the sender is named as Yb Customer Servic (sic) which sounds like Yorkshire BS. Is your 'sender' the same?

Mine was CB which is Clydesdale Bank I imagine. 

HHUK

schiff said:
I've been expecting mine and I've had £25.78 (about what I was expecting) just credited to my nominated account. But the sender is named as Yb Customer Servic (sic) which sounds like Yorkshire BS. Is your 'sender' the same?

Virgin RS Final Interest Payment

No, in my case it was just an internal transfer between Virgin accounts

ThePirates

HHUK said:

schiff said:
I've been expecting mine and I've had £25.78 (about what I was expecting) just credited to my nominated account. But the sender is named as Yb Customer Servic (sic) which sounds like Yorkshire BS. Is your 'sender' the same?

Virgin RS Final Interest Payment

No, in my case it was just an internal transfer between Virgin accounts

Mine was the same, just went through in the last 30mins, just via the online form route, no phone calls.

jameseonline

ThePirates said:

jameseonline said:

Are Darlington better than Monmouthshire BS?🤔

Much better, open and funded in 5 minutes, no app, all on the website

Their website doesn't seem to be adapted for mobile, cuts things off & if I go to desktop version on mobile I have to zoom in etc, hmm

subjecttocontract

Perhaps the Virgin account paid 10% for a reason.....maybe it was compensation for all the problems they knew their customers might get at maturity.