The Top Regular Savers Discussion Thread

allegro120

PowerSavingMode said:

Section62 said:

Aldermore  RS issues 1 to 3 - interest rate drops from 4.75% to 4.5% with effect 22/08/2025

(email just now)

Thank you. The Aldermore RS's were some of my favoured ones before they cut the rate from 5% and now again. Shame. Oh well, time to close all (but one, perhaps), methinks.

I closed mine. 4.75% (never mind forthcoming 4.5%) RS is pointless when you can have 5% EA.  Variable rate RS is only good when the rate is higher than EA.

allegro120

s71hj said:

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. 

I tend to fund the accounts offering competitive rates straight away because I have no idea what the rates are going to be in 12 months time.  

allegro120

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

This is because CoP can take up to 24 hours (sometimes more) to work. Try again tomorrow before phoning them. 

s71hj

allegro120 said:

s71hj said:

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. 

I tend to fund the accounts offering competitive rates straight away because I have no idea what the rates are going to be in 12 months time.  

Same here. I know some people have a different approach though. 

s71hj

Re Darlington, not getting a COP match. I assume it's another where you need to wait overnight? 

allegro120

ForumUser7 said:

Market Harborough BS

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

Thanks

Me too.  When I opened the second one I split the deposit into £10 and £240.  I kept this schedule for several months until it was reported on here that £250x2 works fine. I have deposited £250x2 since… It will be interesting to see which account will be getting a hair cut and whether the action will be consistent or random.

allegro120

Marcoos said:

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

Co-op. 

It can take longer if weekend is involved.

Bobblehat

s71hj said:

allegro120 said:

s71hj said:

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. 

I tend to fund the accounts offering competitive rates straight away because I have no idea what the rates are going to be in 12 months time.  

Same here. I know some people have a different approach though. 

In this case opening it now and funding it (asap) versus gambling it still being available to open and fund (asap) on 1st Sept for ~£0.08p gain! 

s71hj

Bobblehat said:

s71hj said:

allegro120 said:

s71hj said:

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. 

I tend to fund the accounts offering competitive rates straight away because I have no idea what the rates are going to be in 12 months time.  

Same here. I know some people have a different approach though. 

In this case opening it now and funding it (asap) versus gambling it still being available to open and fund (asap) on 1st Sept for ~£0.08p gain! 

You can open it now and not fund until 1st Sept so no gamble..... But £0.08 gain!!!! 

clivep

clivep said:

Virgin

Requested our closures by the form on 2nd August. No acknowledgement. No closure. No interest. Secure messages sent this morning.

Security key ordered for my account by secure message and acknowledgement received that it's on it's way (not received yet but they've got 12 months!).

The one ordered for my wife has not received a reply.

Virgin

You couldn't make it up!...

Replies to my wife's messages received yesterday:

"The security token would need to be ordered by our online banking team. They can be reached on 0800 121 7365, available from 7am-9pm Mon-Sat, 10am-5pm Sun". Yet mine is on it's way?

"The Everyday Saver account cannot be closed by online form....". Yet today the a/c has been closed with interest paid.

My a/c has also been closed with interest paid. Message from them says "There is no online form for closing the Everyday Saver. The only online form available for closures is for the M range Current Accounts and linked M range Saver, that doesn't apply to the Everyday Saver".