The Top Regular Savers Discussion Thread

clairec666

allegro120 said:

clairec666 said:

Bob2000 said:

Darlington regular saver 
Suffolk regular saver 

I've decided  not to fund these products except  for the opening  month.So can l leave them unfunded without any issues?

Darlington - "There is no minimum monthly investment and no penalty if you miss a monthly payment."
I'm unlikely to be able to fund mine every month

On another note - YBS £50 regular saver, maturing soon. I've dug out the T&Cs and it says the following:
What happens after one year?
Your £50 Regular eSaver will be transferred to an online easy access savings account. We’ll send you full details of this account at least 14 days before your £50 Regular eSaver ends.

Mine matures on the 13th, haven't received anything by email, and post round my way is notoriously slow. Anyone received anything yet, and can give an insight into which easy access account you'll get?

Mine matures on 9th.  I received the e-mail on 26th August:
"Thanks for saving with us - we hope you've been happy with your £50 Regular eSaver account.
We just wanted to let you know that your £50 Regular eSaver currently paying a variable^ interest rate of 8.00% Gross* p.a./AER** is maturing on 09-SEP-2025.
On 10-SEP-2025 we'll automatically transfer your savings to our Easy Access Saver Reward, in line with the terms and conditions of your account. This pays a variable^ interest rate, currently 4.05% Gross* p.a./AER** (correct as of today, but as a variable rate product this is subject to change)."

Thanks for the info. Definitely no email received.
Hoping they come up with something good for savers week, though not expecting anything as high as 8% this year.

happybagger

allegro120 said:

On 10-SEP-2025 we'll automatically transfer your savings to our Easy Access Saver Reward, in line with the terms and conditions of your account. This pays a variable^ interest rate, currently 4.05% Gross* p.a./AER** (correct as of today, but as a variable rate product this is subject to change)."

Re: YBS
Just for completeness, this default account reduces to 3.95% on 2 October

Born2Save_3

MHBS Fixed Term Regular Savers Overfunding

They're enforcing the rules this month.  My second account £250 funding returned :

01/09/2025

Clrd Sav Rcpt

Standing Order xxxxxxxxxxx

£250.00

02/09/2025

Sav Return S/O

Standing Order Restricted

-£250.00

Credited to my current account today 3/9/25.

cheekyweegit

Think I might be throwing a spanner in the works, my Principality RS 3 matures 14.09.25 and online 14 days before as predicted I had the option of opening a RS4, having opened another RS 4 the after release thanks to the posts on here.

I've chosen to open another RS 4 and so far not been rejected (11 days and counting until maturity).

I got maturity letter in the post today but RS 4 is not an option.

The spanner ................... I've managed to get £1400 into it my account.   I was doing all the money moving manually on 01.09.25 and out of habit stuck £200 in there, realised what I'd done after seeing my maturity instructions and thought it would just be returned. 

It's not been so far so looks like you might be able to get a 7th payment in this depending on the date you open an account, but sure as of yet if interest will be paid on the extra £200.

If my money is returned I'll update but any over payments are usually pretty quick to be returned.  (I kept getting muddled up with two accounts and paying too much into one and too little into the other and got refunds next day into supplying account).

Speculator

Tried to check my Zopa regular on the app but getting error message and asks for email and password. I assume its the same for everyone.

Born2Save_3

cheekyweegit said:

Think I might be throwing a spanner in the works, my Principality RS 3 matures 14.09.25 and online 14 days before as predicted I had the option of opening a RS4, having opened another RS 4 the after release thanks to the posts on here.

I've chosen to open another RS 4 and so far not been rejected (11 days and counting until maturity).

I got maturity letter in the post today but RS 4 is not an option.

The spanner ................... I've managed to get £1400 into it my account.   I was doing all the money moving manually on 01.09.25 and out of habit stuck £200 in there, realised what I'd done after seeing my maturity instructions and thought it would just be returned. 

It's not been so far so looks like you might be able to get a 7th payment in this depending on the date you open an account, but sure as of yet if interest will be paid on the extra £200.

If my money is returned I'll update but any over payments are usually pretty quick to be returned.  (I kept getting muddled up with two accounts and paying too much into one and too little into the other and got refunds next day into supplying account).

I think you'll be OK.  You should get the 14 days interest on the extra £200 and unless unlucky get the maturity option you want.

I'm in the same position.  And I've done it before. Actually, I usually try the extra payment by default.

Had two returns this month, not from Principality, for over funding as I have several maturing this month.  

DodgerPot

Speculator said:

Tried to check my Zopa regular on the app but getting error message and asks for email and password. I assume it’s the same for everyone.

Just tried to open my Zopa account on the app showing error at their end 

cheekyweegit

Speculator said:

Tried to check my Zopa regular on the app but getting error message and asks for email and password. I assume its the same for everyone.

 I've just tried to log in after seeing your comment, it as fine earlier today.  When trying now firstly got a message "Oops something went wrong, it's not you it's us, try restarting the app".

Restarted the app and it's totally different - upgrade perhaps and now need my email address and password to log in - away to try this now.

Rejecting my password so away to reset it, app is now pretty slow.

mattojgb

Principality maturity instructions

There seem to be two options on the Principality website that will potentially open a new RS account upon maturity. Which are people choosing and are known to work or not work?

One option is to take some money out and move the rest to a new savings account (and in the next step there is an option to open an RS4 and specify an amount to be used to open the account).

Or there is an option to take out all your money and open a new RS (RS4 being one of the available options).

DodgerPot

Speculator said:

Tried to check my Zopa regular on the app but getting error message and asks for email and password. I assume its the same for everyone.

I’ve tried to sign in with my email and password and it’s saying incorrect details. Are you getting that response