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The Top Regular Savers Discussion Thread

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  • allegro120
    allegro120 Posts: 1,926 Forumite
    1,000 Posts Second Anniversary Name Dropper
    Marcoos said:
    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
    Bobblehat Posts: 778 Forumite
    Seventh Anniversary 500 Posts I've been Money Tipped! Name Dropper
    s71hj said:
    s71hj said:
    Kim_13 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"  :D

    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
    s71hj Posts: 649 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    Bobblehat said:
    s71hj said:
    s71hj said:
    Kim_13 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"  :D

    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!!!! 
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