The Top Regular Savers Discussion Thread

nomorekids

Bobblehat said:

Hattie627 said:

Darlington BS RS

The term starts from the date of opening, so you are losing out on 6% interest (less whatever you are earning on the money you would otherwise have paid in) by not funding immediately

That's what I thought! I think the comparison I posted was fairly accurate.

need to mind the two interest dates though, this Dec 25 ie this tax year and on maturity next tax year, means it might suit some to minimally fund now to open the account and fund more generously after December...

friolento

courier9585 said:

Darlington BS are on the ball, i sent a payment about 10am to my RS from Halifax by FP this morning (saturday) and it showed as credited within the hour !!

Definitely. I sent £250 yesterday around 10pm. When I checked around 9am today, it was credited, dated yesterday. Good service for a Friday/Saturday.

Signing up, incl for online banking, as a new customer was a doddle.

Kim_13

Darlington are indeed on the ball. Welcome email, quoted as within 5 days, just landed. It does contain a link to create an online login, if anyone does accidentally close the confirmation screen before setting one up.

pecunianonolet

drphila said:

pecunianonolet said:

Virgin

Requested closure via online form of the regular saver (the form that was mentioned many pages ago), provided account details in the form for the regular saver. Followed up a day later via online chat just in case to make sure the reg saver is getting closed. 

Received an email "Sorry to see you go", checked my app and instead of the regular saver they closed my current account. Reg saver still not closed, still waiting for the interest to be transferred to the current account (that is now closed). 

Just raised a complaint. Totally unacceptable. 

Screenshots not allowed in the app, transcript only available by post on paper if chat has happened via app. Requested a postal copy now. 

Exactlly the same happened to me. They put it down to the "huge" numbers that opened that RS (c.37000 apparently) and then wanted it closed

Did you also complain and if so, did you get compensation and how much did they pay and did they reopen the current account for you?

I had email acknowledgment of my complaint yesterday evening (10pm) and that they will email with an update within 5 working days.

Bobblehat

nomorekids said:

Bobblehat said:

Hattie627 said:

Darlington BS RS

The term starts from the date of opening, so you are losing out on 6% interest (less whatever you are earning on the money you would otherwise have paid in) by not funding immediately

That's what I thought! I think the comparison I posted was fairly accurate.

need to mind the two interest dates though, this Dec 25 ie this tax year and on maturity next tax year, means it might suit some to minimally fund now to open the account and fund more generously after December...

£18 approx interest in December ... guess it could make a difference to someone!

Dizzycap

Bridlington1 said:

Kim_13 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).

Thanks for flagging this. I had been considering trying to get their latest issue when funds allow, but will continue to fully fund the 6% version I have and worry about a replacement account when the time comes.

Will you be contacting them? I’m wondering if they will return latest funds deposited or those earning the lowest interest (which are probably the same for MSErs, unless the first deposit was delayed before being credited at MHBS end.) Interesting that they have enclosed the summary box for Issue 1 when technically no one could exceed the limit by funding that account with £250 given that it is Issue 1.

I'm in two minds whether or not to to be honest, the letter says if I do not contact them they'll return the excess funds to my nominated account, which is what I'd've asked them to do anyway.

On the other hand it would be useful to find out further info as to which accounts they'll be taking the funds from etc.

Regardless if I were to contact them I wouldn't do a Friday afternoon given that they've said in the letter that funds would arrive within 5 working days of being sent so wouldn't want payments sent today and delayed over the weekend so if I were to contact them it would be early on in the week, therefore if I do contact them it'll most likely be on a Monday, probably the Monday after next given that I have alternate Mondays off work due to working a 9 day fortnight.

I received the dreaded Market Harborough letter today and have requested that all the overpaid funds for the 2 November maturing RS I have are to be paid into my nominated account - They have said that they will honour the interest accured todate for these 2 accounts and it will be added to both RS accounts on the 31st November when they were due to mature. That way, I can keep the March 2026 maturing RS open depositing the maximum £250 per month - It could have been far worse! 

HHUK

Darlington

The confirmation page only displayed the reference number (no account number) when my application was completed, but an email with full account details etc has now arrived (in my spam folder as it happens) a day or two later

20122013

Can you open more than one account on any those these please? is it just needed a different Issue No.?

1. Zopa Regular Saver Pot

2, Monmouthshire BS Regular Saver Issue 83. Virgin Money Regular Saver Exclusive Issue 3

4. Principality Triple - have to wait till new ISSUE?

5. Co-operative Bank Regular Saver

6. Darlington BS 12 Month Regular Saver Issue 2 

7. Lloyds RS

8. Lloyds Club Lloyds Monthly Saver

8. Santander

9. Nationwide BS Flex Regular Saver (Issue 6)  - opened mine before issue 6

10. Principality BS 6 Month Regular Saver (Issue 3) 

11. Halifax Regular Saver

12. NatWest Digital Regular Saver Account

surreysaver

20122013 said:

Can you open more than one account on any those these please? is it just needed a different Issue No.?

1. Zopa Regular Saver Pot

2, Monmouthshire BS Regular Saver Issue 83. Virgin Money Regular Saver Exclusive Issue 3

4. Principality Triple - have to wait till new ISSUE?

5. Co-operative Bank Regular Saver

6. Darlington BS 12 Month Regular Saver Issue 2 

7. Lloyds RS

8. Lloyds Club Lloyds Monthly Saver

8. Santander

9. Nationwide BS Flex Regular Saver (Issue 6)  - opened mine before issue 6

10. Principality BS 6 Month Regular Saver (Issue 3) 

11. Halifax Regular Saver

12. NatWest Digital Regular Saver Account

You'd need to read the T& Cs. With different issue numbers, they are different accounts, but some organisations won't let you open an account even if it is a different issue number.
Only some organisations have different issue numbers of a certain type of account.
The only ones on that list which allows you to open accounts of different issue numbers is Principality, Darlington and Monmouthshire.

WillPS

20122013 said:

Can you open more than one account on any those these please? is it just needed a different Issue No.?

1. Zopa Regular Saver Pot

2, Monmouthshire BS Regular Saver Issue 83. Virgin Money Regular Saver Exclusive Issue 3

4. Principality Triple - have to wait till new ISSUE?

5. Co-operative Bank Regular Saver

6. Darlington BS 12 Month Regular Saver Issue 2 

7. Lloyds RS

8. Lloyds Club Lloyds Monthly Saver

8. Santander

9. Nationwide BS Flex Regular Saver (Issue 6)  - opened mine before issue 6

10. Principality BS 6 Month Regular Saver (Issue 3) 

11. Halifax Regular Saver

12. NatWest Digital Regular Saver Account

Zopa, Co-op, Santander, Halifax and Natwest only offer one regular saver, which you can only have one of. 

Lloyds have 2 different regular savers, and you can have one of each.

Virgin Money and Nationwide stipulate one of any issue.

Principality and Monmouthshire generally allow one of each issue (but future issues might have different rules).

You can have an RBS Digital Regular Saver as well as a Natwest one.