The Top Regular Savers Discussion Thread

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!

clairec666

https://forums.moneysavingexpert.com/discussion/comment/82053528#Comment_82053528

Furness…

My "accrued interest" is showing as £18.15, my expected interest from my spreadsheet is £18.12. I can't be bothered to dig in any deeper to work out why there's a 3p discrepancy.

Most months I've deposited on the 1st but the transactions are dated as the 2nd. I would deduce from the accrued interest amount that interest is being calculated from the 1st and not the 2nd.

Pickledonionlover

Cheers again for the work people put in on this thread.

Most especially Brid - never taken for granted

Bridlington1

A summary of changes to the listings on the first page of The Top Regular Savers Discussion Thread between 1st June 2026 and 30th June 2026:

A link to this post is included on the first page of The Archived History Of Regular Savers Thread *** NO CHAT*** thread. I have now cleared out the recently NLA regular savers list on the first page of The Top Regular Savers Discussion Thread.

Due to limitations in the forum's functionality since the new text editor was rolled out (rather low character limit), I've had to post this update as screenshots, hyperlinks are included in the Regular Saver Thread Monthly Updates spreadsheet though.

The following accounts have been added between 1/6/26 and 30/6/26 (see first page of The Top Regular Savers Discussion Thread for details):

The following accounts have been removed between 1/6/26 and 30/6/26:

The following accounts have been and gone between 1/6/26 and 30/6/26:

courier9585

https://forums.moneysavingexpert.com/discussion/comment/82053482#Comment_82053482

The statements on my furness every day saver show the funds sent being credited the day after sending. If the funds were credited on the day sent i would have expected a couple of pence interest last april when the yearly interest was added but it was zero, so who knows.

adindaspantai

I would like to open Santander Regular Saver 8%. But when I tried to open it it recognised that I already have Santander Regular Saver (e.g paying 5%). I understand that this condition also written in the summary.

My existing Santander regular saver will still run Until December 2026. Is there any way I could close this existing 5% Regular Saver account and open the new one paying 8% or I will have to wait until the existing one mature on December 2026 ?? Thank you for your time