The Top Regular Savers Discussion Thread

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.

clairec666

surreysaver said:

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.

Cooperative also says that you can only open the account if you don't already have one of the same issue, however it is still on issue 1 so no chance of anyone having more than one.

Afahmaep

                          Opening Darlington RS2 and Monmouthshire RS in the last week brings my total active Regular Savers back up to 52 with £112,000 actually in them at 5.70%.
                         My maturing accounts in the next week are Hanley BS and Stafford BS with £7,000 becoming available which will drop my total to £105,000. Neither of these Building Societies has a product that interests me so my Regular Saver total will drop back down to 50. 
                         The matured  £7,000 will to go towards my September obligations of £11,950

trickydicky14

Afahmaep said:

                          Opening Darlington RS2 and Monmouthshire RS in the last week brings my total active Regular Savers back up to 52 with £112,000 actually in them at 5.70%.
                         My maturing accounts in the next week are Hanley BS and Stafford BS with £7,000 becoming available which will drop my total to £105,000. Neither of these Building Societies has a product that interests me so my Regular Saver total will drop back down to 50. 
                         The matured  £7,000 will to go towards my September obligations of £11,950

And your point?

jameseonline

Applied for Darlington, got a reference number

WillPS

My wife got an email from MHBS confirming they won't be proceeding with her application for a savings account, despite being asked for and submitting a copy of her statement.

I presume they weren't happy the account was applied for online, although they didn't have the decency to say that or advise we could pop by a branch.

It was only being opened as a strategic option in case other rates fell, so not a disaster - but not impressed by the service.