The Top Regular Savers Discussion Thread

clairec666

https://forums.moneysavingexpert.com/discussion/comment/82163539#Comment_82163539

Principality's Christmas regular saver was launched on 23/10 last year, so there's a possibility we might get a new one later this month. I've got a flexible ISA with them where I can replace withdrawn funds before next April, so I'm keeping that open.

clairec666

https://forums.moneysavingexpert.com/discussion/comment/82163589#Comment_82163589

Natwest/RBS - won't start earning interest until the next working day. And if the next working day falls within the next month you need to be aware that your deposit will count towards the next month.

Kim_13

https://forums.moneysavingexpert.com/discussion/comment/82163539#Comment_82163539

First Home Saver. £1 plus interest is stuck there anyway, their phantom zero thing took the zero off my sort code and they asked me to post them an original statement. Can’t do that, it’s a FlexDirect. I wrote them a letter explaining why I needed to change the nominated account and enclosing an original statement for the new account. They wrote back thanking me but didn’t update the account and said to phone them. I gave up as I’ve never had cause to fund the account further, due to other accounts coming along.

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/82163537#Comment_82163537

By standing order from their respective CAs? No, next business day.

After which they can be funded at the start of each month.

thor

https://forums.moneysavingexpert.com/discussion/comment/82163299#Comment_82163299

Where does it say at the end of the anniversary month? It's t&c contradicts that as it says it will mature on the anniversary day.

Kim_13

https://forums.moneysavingexpert.com/discussion/comment/82163711#Comment_82163711

Courtesy of the archive thread: https://web.archive.org/web/20250810060825/https://www.darlington.co.uk/savings-account/12-month-regular-saver/

What would the balance be part of the Summary Box, “at the end of the month, 12 months after you have opened your account”

It is the current issue, Issue 4, with the contradiction in its T&C.

thor

https://forums.moneysavingexpert.com/discussion/comment/82163719#Comment_82163719

Ok thanks for that. The link you provided is actually for a different account. Mine is the 12 months Regular Esaver 2 which pays 5.75% from October last year. But after having read it, both do mature similarly at the END of the anniversary month as you have said so I just have to wait another 3 weeks.

Kim_13

https://forums.moneysavingexpert.com/discussion/comment/82163777#Comment_82163777

It's the same account, it's just that they reduced the rate during the term. I had one opened at launch (8/8/25, matured 31/8/26.) The archived pages are done soon after launch so won't show any rate changes. It wouldn't be the first account to have its name displayed slightly differently in online banking once opened.

You can use a withdrawal to move some of the money if you have somewhere paying more than 5.75% to put it. 2 plus closure allowed, given your balance they must still be remaining.

allegro120

https://forums.moneysavingexpert.com/discussion/comment/82163058#Comment_82163058

Scottish

The same here. £102.13. I tried to withdraw this morning, but it appeared that I didn't have my nominated account set up. Sent a secure message and they set it up very quickly. Made a withdrawal at about 3pm and money arrived to my bank account within 1 hour. Left £1 there to keep my foot in. All good!👍️

adindaspantai

https://forums.moneysavingexpert.com/discussion/comment/82161960#Comment_82161960

I just had a chat with them. It seems there is a problem with their system or payment system.

The date shown on my online banking

11/07/2026 £250 EPS Archived Statement £250

08/08/2026 £250 EPS Archived Statement

12/09/2026 £250 EPS Archived Statement

October payment has not been shown

Interesting it is described as EPS Archived Statement (Electronic Payment System)

But He confirm the date being credited is in-line with my SO date e.g 1st day each month, like this

01/07/2026 £250

03/08/2026 £250

03/09/2026 £250

03/10/2026 £250

But the date I see on my online AC is the one delayed date around 10 days on the top. He said there is nothing he could do about this. It is very confusing. I wonder does anyone share the same experience ??

I think I just remove the SO for the rest of the term and will do faster payment instead. In the past I am doing either faster payment or payment by Debitcard. and it shown on the same day or maximum one day delay.