The Top Regular Savers Discussion Thread

Bridlington1

A summary of changes to the listings on the first page of The Top Regular Savers Discussion Thread between 1st September 2026 and 30th September 2026:

A link to this post is included on the first page of The Archived History Of Regular Savers Thread *** NO CHAT*** thread. I have now cleared out the recently NLA regular savers list on the first page of The Top Regular Savers Discussion Thread.

Due to limitations in the forum's functionality since the new text editor was rolled out (rather low character limit), I've had to post this update as screenshots, hyperlinks are included in the Regular Saver Thread Monthly Updates spreadsheet though.

The following accounts have been added between 1/9/26 and 30/9/26 (see first page of The Top Regular Savers Discussion Thread for details):

The following accounts have been removed between 1/9/26 and 30/9/26:

The following accounts have been and gone between 1/9/26 and 30/9/26:

masonic

The Nationwide RS product T&C are actually quite succinct - easy to see that the actual restriction is just that you can only be named on one at any time: https://www.nationwide.co.uk/-/assets/nationwidecouk/documents/savings/terms-and-conditions/p4493-flex-regular-saver.pdf

allegro120

https://forums.moneysavingexpert.com/discussion/comment/82154321#Comment_82154321

Chat GPT

I put my Melton figures into Gemini and it said that the interest I received is correct, also gave me a lecture on the difference between lump sum investing and drip-feeding😀

Chat GPT said that Melton owes me approximately £118. I got £116.17 - not too far off.

pecunianonolet

https://forums.moneysavingexpert.com/discussion/comment/82154437#Comment_82154437

Who is still using ChatGPT…. Claude AI is far superior and wrong results often come from bad prompts.

allegro120

https://forums.moneysavingexpert.com/discussion/comment/82154330#Comment_82154330

I received the account closure funds at around 6pm and the missing interest came in about 1 hour later. I immediately transferred the money to my 5%ers ready for tomorrow's RS distribution. I thought sorting out the issue with miscalculated interest will take longer. If I remember it right, Darlington took ages to sort their overpayment out. Well done Melton👍️

Kim_13

https://forums.moneysavingexpert.com/discussion/comment/82154467#Comment_82154467

And then there was a further correction of a few pence about a week later by Darlington. Very impressed with Melton here, including that they allowed closures to proceed rather than freezing everything until the issue was resolved.

where_are_we

Melton RS maturity - final balance about £4773 including £21.87 first interest payment made on 30/9/26. Further interest payment made for tomorrow 1/10/26 of £105.52 showing in my current account but not as yet on Melton online. So total final interest payment of £127.39. Does that equate with what others are getting? Payment of £4773 was made this evening - would have been better earlier so that I could have transferred it to my 5% EA account today. Still, at least it has arrived for the many RS`s SO`s to go out tomorrow.

I still have the Adcock RS @6.5% which doesn`t have a maturity until 30/9/27.

Maybe of interest that they say today under their RS information.

"we look forward to introducing our new range of savings products very soon."

Bobblehat

Nationwide RS early closure ….

I'm not sure if I'm adding anything new to the recent debate … but I'll add my 2d worth of recent experience anyway!

I asked NWide CS by phone if I could close the RS earlier than maturity date of 28th Sept, and open a new one the next day after I closed it. No problem was the answer (with the usual proviso that the RS was still available at the interest rate I wanted on the day I intended to open it). This early closure suited me because of a holiday spanning the 28th, and I could close on the 23rd and sort the new RS and feeder SO by the 24th.

Everything went as planned, closed old RS on 23rd and opened new RS on 24th. No mention of any restrictions regarding extending the date until after the original maturity date by CS!

How often do we hear on here about contradictory "advice" from CS agents let alone AI or other new-fangled "smart" experts? Frequently?

JS010199

https://forums.moneysavingexpert.com/discussion/comment/82154482#Comment_82154482

Interest payments of £27.02, £163.05 and £136.91 giving a total of £5330.98, but of course that's dependent on when deposits were made and for how much.

Enzo_L

https://forums.moneysavingexpert.com/discussion/comment/82154443#Comment_82154443

I have just asked Claude AI about how I should best protect a £100000 lump sum from inflation over the next 5 to 10 years and it has suggested that I invest in NS&I Index Linked Savings Certificates, which haven't been on sale since 2011; so I'm no more impressed with it than I was with ChatGPT - which I wouldn't quote as an authoritative source about anything.