The Top Regular Savers Discussion Thread

kermchem

https://forums.moneysavingexpert.com/discussion/comment/82089687#Comment_82089687

As I understand the Halifax RS, on maturity it empties into the easy saver that has always been alongside and renews automatically into a new Halifax RS at whatever the current rate is. How is that going to work?

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/82089862#Comment_82089862

If LBG are killing the Halifax brand then my guess is that it won't work.

Bridlington1

https://forums.moneysavingexpert.com/discussion/comment/82089862#Comment_82089862

If I were to hazard a guess I'd say on maturity it'll just empty into the EA account (whatever it was migrated to), but then doesn't renew as there isn't a Halifax RS to convert into. This is speculation on my part, we'll no doubt find out further details in the fullness of time.

As before though if you close the EA account before maturity the RS just converts to an EA account on maturity, I doubt this'll change.

friolento

https://forums.moneysavingexpert.com/discussion/comment/82089878#Comment_82089878

There's nothing to convert a Halifax RS to at maturity - the account just stays. Whether they will actively stop this from happening remains to be seen. However, a continued account would probably have a reduced and unattractive interest rate. Time will tell.

masonic

Perhaps it will become a "Memorial" Halifax RS that is available to all Lloyds customers. Who knows? It wouldn't influence my decision to snap it up while it's on offer at this rate.

poblomov

I can't open a new Zopa regular saver - I get a "Something went wrong" message.

Went on chat and they said

"We do have an issue when it comes to android users not being able to open the regular saver. the matter is being looked into and you will be notified once the matter is resolved"

kermchem

https://forums.moneysavingexpert.com/discussion/comment/82089888#Comment_82089888

To be absolutely clear (perhaps someone can add this to the Wayback machine) the Halifax website today says

"We'll open an Everyday Saver account as part of the application. After 12 months, any money you’ve saved in your Regular Saver plus interest will transfer into your Everyday Saver account. Then your Regular Saver will renew for another 12 months. "

Everyone who has opened a Halifax RS in the last few months has applied under those terms and conditions.Lloyds will need to issue new T&C, or offer it at 1% rate.

OH and I opened Halifax accounts in December 2025, neither of us has a Halifax login, so we can't play the renew for 8% game, (yet?)

masonic

https://forums.moneysavingexpert.com/discussion/comment/82089958#Comment_82089958

The terms were equivalent to that even before the latest 8% iteration, so all currently open Halifax RS will require renewal or a variation to the terms.

Lloyds don't need to drop to 1%... They could offer multiple RS at different rates just as they did until recently. Could have one at 8%, one at 6%...

adindaspantai

https://forums.moneysavingexpert.com/discussion/comment/82089686#Comment_82089686

I have all of BOS account already accessible from Halifax account since a long time ago. SIncerecenly I have seen my halifac accoutn already appear on my Lloyds login.

I have not tested to access BOS account using the original login with BOS, But I hope my BOS login will remain to allow me to still open BOS RS when Halifax and LLoyds become Lloyds.

adindaspantai

https://forums.moneysavingexpert.com/discussion/comment/82089922#Comment_82089922

Same Here. I tried it lastweek. But I have been having the ZOPA biscuit current AC since about two months ago. Is there any cut off time for the ZOPA regular saver after the opening of ZOPA biscuit current account or it is just the problem problem from the app ?