The Top Regular Savers Discussion Thread

pedrodelgado

Bridlington1 said:

Co-operative Bank Interest Rate Reductions 22/10/25:

Co-operative Bank Regular Saver ~~~ NO CHANGE ~~~ Remains at 7%

How long is it taking to open one of these? Applied via on line while logged in and still waiting to hear back. How hard can it be , it's just a reg saver.

Bridlington1

pedrodelgado said:

Bridlington1 said:

Co-operative Bank Interest Rate Reductions 22/10/25:

Co-operative Bank Regular Saver ~~~ NO CHANGE ~~~ Remains at 7%

How long is it taking to open one of these? Applied via on line while logged in and still waiting to hear back. How hard can it be , it's just a reg saver.

IIRC mine took a good few days. The only saving grace is they are one of those who start the account term with the date of first deposit, which is handy if you're in the habit of trying to get maturity dates around the end of the month.

PowerSavingMode

pedrodelgado said:

Bridlington1 said:

Co-operative Bank Interest Rate Reductions 22/10/25:

Co-operative Bank Regular Saver ~~~ NO CHANGE ~~~ Remains at 7%

How long is it taking to open one of these? Applied via on line while logged in and still waiting to hear back. How hard can it be , it's just a reg saver.

Re: Co-operative Bank Regular Saver

Mine took five days (including the weekend) from application to 'approval' and opening.

clairec666

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.

Good point. Looks like I'll be welcoming another regular saver to my collection then... As my easy access ISA rate has dropped, it'll be worth withdrawing from that to fund Darlington despite being taxed on it.

clairec666

pedrodelgado said:

Bridlington1 said:

Co-operative Bank Interest Rate Reductions 22/10/25:

Co-operative Bank Regular Saver ~~~ NO CHANGE ~~~ Remains at 7%

How long is it taking to open one of these? Applied via on line while logged in and still waiting to hear back. How hard can it be , it's just a reg saver.

Mine took 5 days, and I was an existing customer. Surprised it took so long.

s71hj

Gers said:

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

My wife got this but AFTER  a successful application so has an account number to fund

s71hj

s71hj said:

Gers said:

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

My wife got this but AFTER  a successful application so has an account number to fund

In fact I think I had this when I originally opened a Darlington account a few months back for debit card transactions . It may be like Barclays bank accounts and ID in that hardly anybody gets past without some sort of manual intervention 

Marcoos

pedrodelgado said:

Bridlington1 said:

Co-operative Bank Interest Rate Reductions 22/10/25:

Co-operative Bank Regular Saver ~~~ NO CHANGE ~~~ Remains at 7%

How long is it taking to open one of these? Applied via on line while logged in and still waiting to hear back. How hard can it be , it's just a reg saver.

Couple of days. Existing customer applied via the app on a Wednesday, account appeared on the Friday

20122013

Re: Co-operative Bank Regular Saver

Does this account allow you to fund the account without having to wait for its bank card to arrive (if it comes with a  bank card?)

masonic

20122013 said:

Re: Co-operative Bank Regular Saver

Does this account allow you to fund the account without having to wait for its bank card to arrive (if it comes with a  bank card?)

There is no bank card for the regular saver.