The Top Regular Savers Discussion Thread

Bridlington1

https://forums.moneysavingexpert.com/discussion/comment/82153785#Comment_82153785

Though those are not regular savers therefore beyond the scope of this thread. If you wish to discuss those accounts, please use the New Top EA discussion thread.

Bridlington1

Virgin Money Regular Saver Exclusive Issue 7 at 6.5%

Worth noting that for the previous 6 issues the account has gone NLA at the end of the month of launch therefore if you wish to open this account, it's probably worth doing so sooner rather than later.

s71hj

https://forums.moneysavingexpert.com/discussion/comment/82153785#Comment_82153785

Got those already and I think am pushing my luck already having 6 cahoot sunny days!. So I'm thinking more it's only sub 6% regular savers left of which the Darlington was my first one.

Kim_13

https://forums.moneysavingexpert.com/discussion/comment/82153785#Comment_82153785

Coventry went NLA earlier this week I believe, Suffolk's Online Fixed RS (5%) allows early closure, as does Skipton’s (5.75%, base rate linked) if you qualify. Manchester/Newcastle RS2’s if you are near a branch (5.75%.)

Edited to add that Manchester’s RS1 is still available in branch and you can have both. £500 per month, 5.4%, 2 years.

Catplan

https://forums.moneysavingexpert.com/discussion/comment/82153824#Comment_82153824

Depends what you have already Monmouthshire RS 6% £500 per month, then a couple are postal / branch / postcode area restricted. Market Harbourgh branch application and then online for example.

Bridlington1

https://forums.moneysavingexpert.com/discussion/comment/82153834#Comment_82153834

Also worth bearing in mind that Skipton's RSs allow you to catch up on unused deposits in future months, thus something to consider if you know you're going to have a surplus of funds from maturing RSs in a particular month, is opening the Skipton RS with £1 and setting the maturity date to the end of the following month to give yourself £2,749 of additional RS capacity in the month you'll be swamped with funds.

Kim_13

https://forums.moneysavingexpert.com/discussion/comment/82153845#Comment_82153845

Therefore if OP doesn’t qualify, it may be worth them opening an Access Account with £1 today so as to qualify for the RS at the end of October (30 days membership required.)

Cisco001

https://forums.moneysavingexpert.com/discussion/comment/82153824#Comment_82153824

There are quite a few 5.75% RS with open in branch only. I personally can't bother…

Cisco001

https://forums.moneysavingexpert.com/discussion/comment/82153818#Comment_82153818

I knew. Just mentioning it because OP mention he bank in 4.45% zopa…

There are few branch only with 5.75%. I personally not bother.

Then the next one is 5.25% darlington… For the mighty 0.25% difference, I would probably stick it to a 5% easy access.

dcs34

Melton BS Maturity

The account matures today (i.e. MBS could say it doesn't mature until 5pm today) so I wasn't expecting to see anything happen at 7am this morning. The maturity instruction form notes payments of maturing funds can take up to 2 working days after the date of maturity. I also received the 'welcome to you new account' email.

Personally I reckon closing or moving funds out of this "new" account could disrupt the completion of the maturity instructions (given this "new" account is probably a temporary account used to convert the regular saver into an easy access account). So personally I'll give them a couple of days grace to sort it all out.

Note MBS are also near the top of the MSE and BCWYC tables for 12 month fixed term accounts (non-digital) according to their emails/videos sent out today, so may be dealing with a far higher than usual volume of account applications and opening transacations.