The Top Regular Savers Discussion Thread

Bob2000

Virgin money regular saver 13th payment.

I have this RS, and my first payment was on 1st August 2025, so l have made 12 payments already, so l assume that the 13th payment isn't really worth trying. Am I right?

wmb194

https://forums.moneysavingexpert.com/discussion/comment/82072228#Comment_82072228

Virgin RS Exclusive I3 - mat 28/08/26

What do the terms and conditions say? I don't see a maximum balance mentioned so I don't see why not.

Descrabled

Virgin RS Exclusive I3 - mat 28/08/26

£250 at 6.5% pa is £1.35 gross or 50p difference from easy savings at 4%

Bob2000

https://forums.moneysavingexpert.com/discussion/comment/82072258#Comment_82072258

Thats what l wasn't sure about, the maturity date for this account. I wasnt certain if the account ended on the date of first payment. So will do a 13th payment. Thanks for the information.

wmb194

https://forums.moneysavingexpert.com/discussion/comment/82072263#Comment_82072263

At the margin we can say this about every deposit to every RS but over a large portfolio of RS’ running for years it adds up.

topyam

Zopa

My RS ends in 30 days. Just got an email.

Does Zopa offer another one, or is that it? Is it possible / available to apply for it again?

jaypers

https://forums.moneysavingexpert.com/discussion/comment/82072329#Comment_82072329

Yes, but it’s 6 months now, still 7.1% - https://www.zopa.com/savings/regular-saver

friolento

Skipton

I had two Skipton RS accounts maturing today. Whilst I tried to give online maturity instructions several times, using 3 different browsers, the Skipton system would never register my requests, and my accounts matured to their easy access savers. Skipton CS was very slow responding to secure messages, had no practical suggestions, and were unwilling to take my maturity instructions in a secure messages

The good news is, Skipton are processing the withdrawal request on the same day, and you can request account closure, too. Though I could not request both my withdrawal requests in the same online session. Had to log out and in again for my second withdrawal.

All in all not a smooth experience, and I am now hesitant about opening another Skipton RS. Even 5.75% isn’t too tempting now.

huw01

https://forums.moneysavingexpert.com/discussion/comment/82072346#Comment_82072346

Zopa

Yes ill be in a similar situation come October. I won't bother with a six month regular saver as the heavy lifting in terms of interest happens in months 7 to 12.

The BoS, Halifax, Lloyd's 8% will have taken up some slack monthly and also although not that well publicised but the Manchester Building Society's 24 month regular saver with a £500 monthly maximum is well worth it due to the £500 limit and the length of the term.

Eco_Miser

https://forums.moneysavingexpert.com/discussion/comment/82072228#Comment_82072228

Matures 28 August 2026, so worth doing. Virgin Money RSs seem to always have a fixed maturity date well over a year after they are made available, rather than 12 months after opening. In the past I've actually made a 14th payment (that was before the merger with CYBG).