The Top Regular Savers Discussion Thread

MisterMotivated

https://forums.moneysavingexpert.com/discussion/comment/82010207#Comment_82010207

Yes, you have to keep funding each month, any amount between £25 and £250

kermchem

The Halifax RS does not have to be funded every month. When I opened the Halifax RS in December 2025 and had an issue with the website our local branch said they did not open accounts but told me a branch in a nearby town did open accounts on limited days of the week, no appointments needed. So if account opening is withdrawn from the app don’t plan on using a branch.

Bridlington1

https://forums.moneysavingexpert.com/discussion/comment/82010236#Comment_82010236

My reading for Halifax was different, you can fund between £25 and £250/mth, but if you don't wish to save anything you can just miss the payment for the month, but if you do decide to save into the account then it needs to be between £25 and £250.

Section62

https://forums.moneysavingexpert.com/discussion/comment/82010243#Comment_82010243

Mine too. "You can" is not the same as "You must". "Can" makes it optional. I've skipped months with Halifax before and not had any form of penalty applied.

Metrocammell

Halifax regular saver. I haven't funded mine since January, is still open and no contact or communication from them to raise any issue about the fact.

dcs34

https://forums.moneysavingexpert.com/discussion/comment/82010245#Comment_82010245

In fairness Mr Lewis may be quoting Halifax's T&Cs or their official company line; whereas posters on here will be more familiar with how Halifax's systems actually operate the accounts in practise!

My understanding is that you don't have to fund the account each month (I have definitely skipped months in the past without issues/threat of closure) but if you do want to fund it the minimum is £25 per month. I haven't tested whether they actually enforce that minimum in practise, since if the £25 could be 5 separate payments of £5 each individual transfer wouldn't automatically bounce back - and would they bother to follow it up at the end of each month? I doubt it…

ThePirates

https://forums.moneysavingexpert.com/discussion/comment/82010207#Comment_82010207

Thanks for all the replies!

Just thinking of opening one speculatively as it's a fixed rate. Now that Principality have (hopefully temporarily) given up top spot.

MisterMotivated

https://forums.moneysavingexpert.com/discussion/comment/82010424#Comment_82010424

In fairness, the last sentence was a joke. It begs the question though: if I had said I was quoting Halifax's T&Cs or their official company line, do you think forum members would've left it at that? It's funny how the MSE team are so easily forgiven, nay, defended, for providing inaccurate information, yet when a forum member posts based on that information, it's a major faux pas and they must be correct multiple times, even after holding their hands up to the 'error'. Considering how quickly various forum members pointed out that you apparently don't need to fund the account every month, you'd think someone would've highlighted the inaccuracy of the information on the site to the team responsible for maintaining it. Given how many times Martin has spoken about stoozing, or using mule accounts for switching bonuses (neither of which are even remotely in the spirit of the offers of which they take advantage), I didn't think he/the MSE team would be adhere so strictly to the terms around whether or not you 'must' pay into a regular saver every month.

It's no wonder this forum has a reputation for hostility. And to think I only posted in the first place to get rid of the zombie quote lingering in my Comment box. I guess I'll just keep my metaphorical mouth shut from now on.

KneadtheDough

https://forums.moneysavingexpert.com/discussion/comment/82006904#Comment_82006904

First Direct

I didn't know one could do that. I'm sure I asked this very thing (minimum for SO and then 'topping up' as and when during the month, 1x or more) via 'in-app chat' a year or so ago, and was told a firm no. But, you've had no issues thus far?

clairec666

https://forums.moneysavingexpert.com/discussion/comment/82010561#Comment_82010561

I'm guessing they were talking about a different account, as they're quoting a £150 monthly limit instead of FD's £300. As far as I'm aware, FD can only be funded by one payment a month, and not by external transfer, although I personally haven't tested this out.

EDIT: Looks like they quoted the wrong post, and were actually talking about Natwest/RBS.