The Top Regular Savers Discussion Thread

Bridlington1

https://forums.moneysavingexpert.com/discussion/comment/82053385#Comment_82053385

Well regardless, when/if it's launched, stay tuned to this and/or the archived thread and you'll soon know about it.

Chaykin

https://forums.moneysavingexpert.com/discussion/comment/82053101#Comment_82053101

Don't. If you send today directly to the RS it will be rejected and it will take 5 working days to be returned to you. I know. I tried this with one of their previous RS after being slightly annoyed of late money postings. Do the Everyday Saver trick mentioned.

clairec666

https://forums.moneysavingexpert.com/discussion/comment/82053449#Comment_82053449

Any benefit to funding via the Everyday Saver, rather than just directly funding on the 1st? Just feels like extra work, unless I'm missing something...

Chaykin

https://forums.moneysavingexpert.com/discussion/comment/82053456#Comment_82053456

Extra day of interest I think? I found that if I fund the Furness BS RS directly tomorrow (01/07/2026) via FP, even if I do it first thing in the morning, it will not show as "in" until 02/07/2026 and would also be dated as 02/07/2026. And if I try to fund today via FP it would get rejected - tested this out.

surreysaver

https://forums.moneysavingexpert.com/discussion/comment/82053467#Comment_82053467

Does it arrive in the Everyday Saver quicker than it does in the Regular Saver, then?

So instead of losing a day at your feeder account rate, it's earning 1.6% for the day?

courier9585

https://forums.moneysavingexpert.com/discussion/comment/82053472#Comment_82053472

Not so far, still takes a day but at least the funds wont bounce back if it does go through same day. Also only one payment has to be sent if you have more than one RS like myself.

Bridlington1

Well it's been a bit of a difficult one to judge the thresholds for this thread going into July, in terms of the top EA accounts (the main variable I use to determine the RS thresholds), the average of the top 10 EA accounts has risen, but the average of the top 10 EA accounts that are open to all has dropped.

I'm going to leave them unchanged for now as we enter July, a reminder that's 4.25% or better, or 4.1% if the account has favourable conditions (see p1 of this thread for further details).

We've also had 3 accounts that've been and gone within a day so it's been quite a month, all were archived to the wayback machine, which shall appear on the archived thread shortly.

RS timeline hasn't been updated again this month so apologies for that, I hope to be able to update it for next month though, a lot depends how I do for time. Also with the weather being as it is, I've been making the most of it.

Bridlington1

https://forums.moneysavingexpert.com/discussion/comment/82053478#Comment_82053478

My understanding was that even though payments sent to Furness BS are dated the next working day, they begin earning interest from the day they are sent as opposed to the date shown in online banking (as their systems use two dates), so making the payment into the Everyday Saver first should only result in you having funds earning a lower interest for a day and make no difference to the amount you earn on the RS.

Chaykin

This is from Furness BS Savings T&Cs:

FYI Furness BS defines "normal business hours" as 09:00 to 17:00 on a working day.

The bottom two rows are the important ones. It says that payments are "backdated to the date received" which definitely is not the case from what I can see with my accounts and how they are dated on the app or through browser access.

Somebody cleverer than me can work out if Furness's claim of "Interest will be earned from the date received" is true. The app & browser access provide an "Accrued Interest" figure that's updated daily. If this is correct then - yeah - just fund via FP on the 1st of each month including non-working days.

username2026

https://forums.moneysavingexpert.com/discussion/comment/82053449#Comment_82053449

Thank you - I thought it would probably reject. I've been paying my Everyday Saver and then transferring it on the day, but wondered if it was an unnecessary extra step, it seems not!