The Top Regular Savers Discussion Thread

Kim_13

https://forums.moneysavingexpert.com/discussion/comment/81876336#Comment_81876336

I was answering to the question do you have any RS paying less than 5%.

Explaining why I had them seemed more useful/insightful for others to read than simply saying yes.

KneadtheDough

https://forums.moneysavingexpert.com/discussion/comment/81876152#Comment_81876152

RS Funding Strategy

"I also play the 0% credit card game as well, so have 0% debt matching what I've got in regular savers"

That's what I do, too.

KneadtheDough

https://forums.moneysavingexpert.com/discussion/comment/81876308#Comment_81876308

I didn't (and can't) see @francoghezzi's original (copied below) comment to which @surreysaver responded. I've just trawled through circa four pages gong back to the 7th of February and still can't see the original comment. Very odd.

francoghezziFeb 8, 2026

When I recently posted a comment on Darlington rs on here I was asked to move it to another thread in defo not a kind way. Anything to say regarding the last posts by whoever thinks to be in charge? Are we still discussing Rs or this happens only when there is a Principality offer so as to inundate this thread with hundreds of useless comments?

35har1old

https://forums.moneysavingexpert.com/discussion/comment/81876006#Comment_81876006

Both will end after a year

Zopa current boosted now paying 3.55%

Ulster bank Ltd edition from 06-03 down to 4.25%

https://forums.moneysavingexpert.com/discussion/comment/81876006#Comment_81876006

Kim_13

Darlington's interest error being fixed shortly turned out to take two working weeks, before they then made another correction on 30th January. A separate thread arose due to some posters wishing to share how much interest had been added and how much they had paid into their accounts. This did mean we worked out what Darlington had done - paying interest to 31st December 2026 instead - but others felt it was not relevant as it matters only that the position of your account is corrected. Forum staff would intervene if they felt someone had been spoken to rudely, but if you delete your post quickly because you don't like the response then that removes potential evidence.

People have sometimes had more than they should out of Principality - the former 'loophole' posts - while Darlington didn't even resolve the issue before announcing a rate cut and had to make a further adjustment later after apparently fixing the issue. Green shirt didn't interest me as I never had more accounts than permitted, but naturally that was going to recur now and again when people had maturities. Due to that we know it now appears to be no more; Darlington's issues spanned a whole month.

Naturally Principality crop up here regularly (for one thing their 6 month offering means it is being replaced more often) and they have a consistent record of offering table topping or near table topping accounts. Darlington's current offering is sub 5% so is naturally not going to be inundated - I suspect most posters haven't gone any lower than 5.5% if that.

Bridlington1

clairec666 Posts:1,052 Forumite 

Today at 7:56AM

Anyway, back on topic. If anyone's using moneyfactscompare, be aware that their listing for Zopa's regular saver is inaccurate, implying it's a 12 month account rather than 6 month.

Alternatively p1 of this thread has reflected Zopa's new 6 month term for the last few days.

jameseonline

https://forums.moneysavingexpert.com/discussion/comment/81875530#Comment_81875530

Club Lloyds is 6.25% not 6.5%, Nationwide & Virgin are 6.5%

clairec666

https://forums.moneysavingexpert.com/discussion/comment/81876716#Comment_81876716

Yup, this thread is usually one or two steps ahead of moneyfactscompare

Chaykin

Anybody yet chanced opening ESBS Monthly Saver via post? Or is it a definite no-go?

Slinky

https://forums.moneysavingexpert.com/discussion/comment/81876508#Comment_81876508

I know that. Everything comes to an end at some point. Come 6th April a large chunk will go into mine and OH's ISAs. I'm fully funding 21 RSs having just had several others mature in the last 6 weeks. I have other investments.