The Top Regular Savers Discussion Thread

clairec666

Hattie627 said:

Darlington BS 12 month Regular Saver Issue 2

A wee quirk to note is that the account doesn't mature on the anniversary date but on the last day of the month during which the anniversary date falls. So all accounts opened in August 2025 will mature on 31 August 2026. So it's one of those mass maturity dates which sometimes give rise to issues at maturity. Don't know if the same applies to Issue 1 as I don't have that one.

My crystal ball foresees the topic of discussion on this thread on 31/8/2026... rather similar to the last few days, but substitute "Darlington" for "Virgin" 

Looks like a good account to have, given that it was released after the base rate cut so (fingers crossed) should stay at 6% for a while. What are people's experiences with Darlington? Do they offer good member/loyalty accounts? I don't really have the funds for another regular saver this month, but am tempted to shuffle some money around to open this one.

schiff

schiff said:

I can't see anything in the T&Cs of the new Darlington that indicates that the maximum balance can't be £3250?

Update - the introductory page for the earlier version did say 'up to a maximum of £3000'. The equivalent page for the new one doesn't. That will be a SO query now but if not a July 2026 question.  

Kim_13

clairec666 said:

Hattie627 said:

Darlington BS 12 month Regular Saver Issue 2

A wee quirk to note is that the account doesn't mature on the anniversary date but on the last day of the month during which the anniversary date falls. So all accounts opened in August 2025 will mature on 31 August 2026. So it's one of those mass maturity dates which sometimes give rise to issues at maturity. Don't know if the same applies to Issue 1 as I don't have that one.

My crystal ball foresees the topic of discussion on this thread on 31/8/2026... rather similar to the last few days, but substitute "Darlington" for "Virgin" 

Looks like a good account to have, given that it was released after the base rate cut so (fingers crossed) should stay at 6% for a while. What are people's experiences with Darlington? Do they offer good member/loyalty accounts? I don't really have the funds for another regular saver this month, but am tempted to shuffle some money around to open this one.

As it matures on 31/8/26 regardless of when in August it is opened, I did a £1.01 NatWest DC payment. I figure it’s unlikely to still be around on September 1 so I don’t lose anything by opening it with the minimum today.

Hattie627

schiff said:

schiff said:

I can't see anything in the T&Cs of the new Darlington that indicates that the maximum balance can't be £3250?

Update - the introductory page for the earlier version did say 'up to a maximum of £3000'. The equivalent page for the new one doesn't. That will be a SO query now but if not a July 2026 question.  

On the basis of the Issue 2 Darlington terms not mentioning a max account balance, I'm going to set my SO to run from 1 September 25 to 1 August 26 inclusive which will take it to £3250 after allowing for the initial payment in Aug 25. 

s71hj

Kim_13 said:

clairec666 said:

Hattie627 said:

Darlington BS 12 month Regular Saver Issue 2

A wee quirk to note is that the account doesn't mature on the anniversary date but on the last day of the month during which the anniversary date falls. So all accounts opened in August 2025 will mature on 31 August 2026. So it's one of those mass maturity dates which sometimes give rise to issues at maturity. Don't know if the same applies to Issue 1 as I don't have that one.

My crystal ball foresees the topic of discussion on this thread on 31/8/2026... rather similar to the last few days, but substitute "Darlington" for "Virgin" 

Looks like a good account to have, given that it was released after the base rate cut so (fingers crossed) should stay at 6% for a while. What are people's experiences with Darlington? Do they offer good member/loyalty accounts? I don't really have the funds for another regular saver this month, but am tempted to shuffle some money around to open this one.

As it matures on 31/8/26 regardless of when in August it is opened, I did a £1.01 NatWest DC payment. I figure it’s unlikely to still be around on September 1 so I don’t lose anything by opening it with the minimum today.

Once opened I believe I read you have 28 days to fund so if so inclined could fund 1st Sept and get interest for all of Sept 2026. I know some like this approach though must say I tend to just get the money in earning the money ASAP. 

Gers

Darlington RS - I got stuck at online registration - they system said that the details I entered don't match their records!  I'll phone them tomorrow morning. 

For @Kim - pay in details

PloughmansLunch

I must have been unlucky as I didn’t get any details after completing the process - it’s normally only YBS that flag up any (every) savings account application 

WillPS

Pleasantly surprised by these 6% regular savers. No doubt there will be some drops over their terms but with the current outlook there could only be a couple of base rate drop opportunities.

Nice to get another society membership sorted too.

ForumUser7

Market Harborough BS

If anyone contacts them, I would be interested to know what they say they will be returning please.

Thanks

35har1old

PloughmansLunch said:

I must have been unlucky as I didn’t get any details after completing the process - it’s normally only YBS that flag up any (every) savings account application 

WillPS said:

Pleasantly surprised by these 6% regular savers. No doubt there will be some drops over their terms but with the current outlook there could only be a couple of base rate drop opportunities.

Nice to get another society membership sorted too.

They tend to drop more than the base rate first drop on the one maturing was 0,45%

friolento said:

jameseonline said:

Yet again I can't open this regular saver on the day it came out because of their issues, last year I did get compo out of that plus I think 4p so might try again when they are back up and running along with further compo for not having access to my money as planned for today😏.

You may have missed the posts which said all you need to say on the application form that you haven't got another VM RS - -  which is the truth, as the previously existing one matured yesterday.

You should even be able to fund the new account straight away as there are various ways of getting at your matured balance.

Where there's a will......

jameseonline said:

Stargunner said:

jameseonline said:

Stargunner said:

jameseonline said:

jameseonline said:

jameseonline said:

I've triggered the Virgin Money anti fraud team, I'm on hold to them at the mo, I was almost done funding my other regular savings accounts too, meh, only had a Principality or 2 left to fund.

Hardly unusual behaviour to be honest I always move money at the start of the month to do this.

The only thing different is I've transferred out of the matured regular saver into my current account.

Spoke to someone and even said to the guy I was on webchat earlier saying I would be transferring money from regular saver today and out of virgin.

As soon as it seemed like I was getting anywhere I get cut off, the app now appears to be playing up, I'm now on my 2nd call, ARGH😤 

Basically been told they can't call back if I get cut off & they can't do f all at the moment because systems are playing up & to expect a call back when they can do things, I had plans today regardless of funding other savings accounts 😔

Can you not just go onto online banking and empty it yourself. Much easier than having to call them.

I don't think you are getting what I've been saying, the phone lines are playing up, the app is down, fraud team can't even remove blocks etc on my account, Virgin are having major issues today, I've not got any hopes of them calling me back today

I wasn’t referring to the app, I meant online banking from their website  
These problems make me glad that I emptied mine early, because I wanted to use the money to fund other regular savers today.

It seems they had various issues today, so deffo going down the complaints/compo route as stated earlier.

Clearly more extreme etc compared to last year though, last year couldn't open regular on the day, today I can't even get fraud to remove a block, plus the app has been down, plus them hanging up on me, plus I had other plans to do things with MY money.

Might put in a complaint in regards to 1 woman asking how many savings accounts I planned to fund etc too, I said to her frankly it's none of your business how many accounts I want to fund and where, my money is my money

Hadn't matured on screen with most systems that usally prevents account opening