The Top Regular Savers Discussion Thread

snookerloopy96

https://forums.moneysavingexpert.com/discussion/comment/82087833#Comment_82087833

I've got most of them bar Teachers but as the likes of Suffolk are quite low rates (comparitively) there isn't much in them.

Opened a few accounts lately with a view to eventually hopefully qualifying for member/loyalty rates such as Chorley, Mansfield, Manchester, Cambridge.

Sure at some point things will even out, as I say I just wondered if this sounded familar.

Bridlington1

A summary of changes to the listings on the first page of The Top Regular Savers Discussion Thread between 1st July 2026 and 31st July 2026:

A link to this post is included on the first page of The Archived History Of Regular Savers Thread *** NO CHAT*** thread. The key changes are as follows:

Owing to character limits I've had to paste some bits as screenshots rather than text.

The following accounts have been added between 1/7/26 and 31/7/26 (see first page of The Top Regular Savers Discussion Thread for details):

The following accounts have been withdrawn between 1/7/26 and 31/7/26:

The following accounts have been and gone between 1/7/26 and 31/7/26:

A Change to the Thresholds for Inclusion:

Previously I was only adding accounts where the interest rate is 4.25% or better, or 4.1% if the account has favourable conditions.

With effect from today these thresholds are increasing, I am now only adding accounts where the interest rate is 4.3% or better, or 4.2% if the account has favourable conditions.

For an account to be deemed as having favourable conditions it must:

• Allow at least 3 penalty free withdrawals per year at any time without notice and meet at least one of the following criteria:
• ○ Allow you to pay in £500 per month or more
• ○ Mature after at least 2 years

The following accounts have been removed owing to the change in thresholds:

GlasgowExpat2

I opened and funded Bank of Scotland regular saver on 17 July. Can I make another payment today or do I need to wait to 17 August?

BestSeagull

https://forums.moneysavingexpert.com/discussion/comment/82088036#Comment_82088036

You can fund it again today, it's a calendar month account.

GlasgowExpat2

https://forums.moneysavingexpert.com/discussion/comment/82088039#Comment_82088039

Thank you.

bluehydrangeas

I opened a Zopa Biscuit account in January this year. The account has a regular saver attached to it paying 7.1% interest, with a maximum monthly deposit of £300 a month. I have noticed that Zopa have changed the terms so that the 7.1% rate only lasts for 6 months. It was being advertised as having the 7.1% rate for a year when I opened the account. I only found out it had been changed to 6 months when I perused the savings accounts page on MSE. For accounts that were opened before Zopa changed the term length to 6 months, will the 7.1% interest still apply for the full 12 months? I've had no correspondence from Zopa regarding this and the account itself still shows 7.1% interest rate.

friolento

https://forums.moneysavingexpert.com/discussion/comment/82088186#Comment_82088186

I believe yours, like mine, will still run for 12 months. I am 10 months into mine right now. But do check with Zopa if you are unsure.

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/82088186#Comment_82088186

You should have received an email from Zopa when you opened the RS, this will detail the term and the (variable) rate.

Mine was opened on 03/10/25 and is still paying this rate. What you are seeing is the current offering, a 6 month RS.

Zopa don't make it easy to find the Terms of historical products, they also don't designate the various different product issues in their titles, they are just "Pots".

alfred64

https://forums.moneysavingexpert.com/discussion/comment/82087865#Comment_82087865

£1.76 interest for me. So an extra few pence at maturity when compounded.

molerat

MrsM set up a Lloyds log in and with no actual Lloyds accounts the only RS offered was the Club version.