The Top Regular Savers Discussion Thread

ForumUser7

https://forums.moneysavingexpert.com/discussion/comment/82127597#Comment_82127597

They state they do not operate any call centres outside of mainland UK. In previous years I've been advised of the opposite. However, I wonder if it is some clever attempt to side step the outsourcing question. You said you thought it was outsourced, they said they don't operate any call centre outside of mainland UK, however if it was outsourced, do they really operate it? Perhaps a conversation for another thread if members want to dig into this point further, especially in light of recent comments, but thought it was worth briefly noting.

friolento

https://forums.moneysavingexpert.com/discussion/comment/82127730#Comment_82127730

Odd. I don't use Virgin much and have never noticed any delays. I opened a new RS on Sept 1, and as CoP didn't work, made my first deposit via my Virgin current account. All happened on Sept 1, I didn't notice any pending amounts, and didn't get any warnings. My Virgin sort code starts with 82, is yours different?

Eco_Miser

https://forums.moneysavingexpert.com/discussion/comment/82127730#Comment_82127730

That's strange. I've had my VM current account since 1971 (it was Yorkshire bank then, same sort code & account number); I frequently move thousands into the CA and immediately (the time taken to log out of the sending bank and log into VM) out again, and I've never noticed a pending status, and certainly never was threatened with overdraft charges. Sometimes the transaction isn't listed but the balance is correctly updated, and onward movement is still possible.

snookerloopy96

https://forums.moneysavingexpert.com/discussion/comment/82127730#Comment_82127730

I've never had any issues and I tend to put funds in the current account immediately before I transfer to the RS.

I do with most and so far not had any problems.

I know Santander can be weird after 'trading hours' but none of the others.

allegro120

https://forums.moneysavingexpert.com/discussion/comment/82127784#Comment_82127784

Virgin

I have both, 82 and 05. There's no difference in ways they operate. I always make my first deposits via current account. Can't remember if the money show "pending", but internal transfers were always immediate.

DealSeeker11

https://forums.moneysavingexpert.com/discussion/comment/82127784#Comment_82127784

VIRGIN

Yes mine is the same as yours, M Plus Current account with 82.

I thought exactly the same as @MASONIC said, why was I allowed to transfer the money out if I didn’t have the fund cleared already? The transfer out transaction was also immediate and arrived in the other bank at the same time without any issues.

The pending status lasted for 3 days, it was also during weekend so maybe that had something to do with it, although still made no sense to me.

Don’t want to go off topic, but if you’re transferring money out of your VM current account, whether it’s external or internal, check and make sure you don’t have pending funds in your account first.

DealSeeker11

https://forums.moneysavingexpert.com/discussion/comment/82127814#Comment_82127814

VIRGIN

When this happened to me I seriously thought it was just me until I read others’ posts about their pending transactions last couple of days.

Glad you don’t have this problem, but I sure am not going to risk it again…

PixelPound

https://forums.moneysavingexpert.com/discussion/comment/82127246#Comment_82127246

Mon BS

They move it to a standard savings account. I had to re-setup my nominated account on that as it was new and that seemed to take longer. You can open a new account and move the £500 across very easily.

Remember the cut off time for withdrawal requests.

Kazza242

I've just received an email from Zopa confirming that its 7.10% Regular Saver offering will be withdrawn from 22 September 2026.

Anyone with an existing Zopa Regular Saver can continue saving into it as normal. However, if their current Regular Saver matures on or after 22 September 2026, they will no longer be able to open a new Regular Saver pot once their current one ends.

There have been some discussions about this earlier in the thread, but Zopa is now contacting customers directly to confirm the changes.

Based on the earlier discussions, it appears that it may still be possible to close an existing Zopa Regular Saver and open a new one (i.e. “refresh” it) before the changes come into effect. This could be useful if your existing account is due to mature later this month, although I’m not sure whether this is still possible.

We’re making some changes to Biscuit – including a new set of benefits and an update to Regular Saver.

What’s happening to Regular Saver

From 22 September, you won’t be able to open a new Regular Saver pot once your current one ends. Your existing Regular Saver won’t be affected. You can continue using it as normal until the end of its 6-month term.

Biscuit now comes with new benefits

We’re ending Regular Saver to make room for a new set of benefits that give you more choice over how you earn. As standard, you’ll get 1% AER* (1% gross**) variable interest on your balance, fee-free card spending abroad†, and a free barista-made drink from Caffè Nero each month.

where_are_we

Zopa RS renewal? Is it possible? Probably not?

"Please note that as of 25th August 2026, Regular Saver pots are no longer available to open. If you already one, it'll carry on until the end of its term and you can keep paying in and earning interest as usual until then."

My 12 month RS has 2 months left to run it`s course.

Regular Saver market seems quite resilient. Maybe something else will come up.