The Top Regular Savers Discussion Thread

masonic

https://forums.moneysavingexpert.com/discussion/comment/81875320#Comment_81875320

Following the pattern of last weekend. Back up now, but not working much better. Though I was able to receive a code just inside the 5 minute window and successfully log in.

They really should consider getting with the times and moving to TOTP instead of SMS.

checkly

Top of the Pops????

masonic

https://forums.moneysavingexpert.com/discussion/comment/81875373#Comment_81875373

https://en.wikipedia.org/wiki/Time-based_one-time_password

x44

…provided they all have the ability to use a range of authenticators, so we don't see the scenario where savigs group A only accepts the Authenticator of their choice A, while savings group B cannot accept authenticator A and will only allow B….and we all end up with 10 or more authenticator apps on our devices!

MaxBlax

https://forums.moneysavingexpert.com/discussion/comment/81875112#Comment_81875112

What are the main factors of whether or not it is worthwhile depositing funds into a Regular Saver account?

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/81875411#Comment_81875411

All TOTP authenticators are equivalent, you can use the authenticator of your choice. They may differ in where they can be installed (app, Windows, Linux etc) and how they are implemented (access security, code backup methods etc) but the prime functionality is the same.

MaxBlax

https://forums.moneysavingexpert.com/discussion/comment/81875020#Comment_81875020

Do you any Regular Saver accounts with an interest rate lower than 5%? If not, why not?

WillPS

https://forums.moneysavingexpert.com/discussion/comment/81875421#Comment_81875421

How much you would gain (obviously) and how readily available the funds are.

masonic

https://forums.moneysavingexpert.com/discussion/comment/81875411#Comment_81875411

I currently have 6 financial institutions happily cohabiting the same authenticator (the only one I use), even if some of those number attempted to drive me toward a different one. Progressive BS being the example most relevant to this thread, where they drive people towards SalesForce, but in reality you can have the freedom to choose another option.

Bobblehat

https://forums.moneysavingexpert.com/discussion/comment/81875421#Comment_81875421

The intro on the MSE Regular Savings Accounts page explains the main factors. That, coupled with the RS calculator further down, could tell you if RSs are right for you.

Regular savings accounts 2026: Earn up to 7.5%