{"id":345637,"date":"2020-10-27T13:29:27","date_gmt":"2020-10-27T13:29:27","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=345637"},"modified":"2026-06-30T15:20:55","modified_gmt":"2026-06-30T14:20:55","slug":"best-regular-savings-accounts","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/savings-accounts\/best-regular-savings-accounts","title":{"rendered":"Best regular savings accounts UK 2026"},"content":{"rendered":"<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/11\/fscsprotected.png\" width=\"52\" height=\"74\" alt=\"FSCS-protected badge\" class=\"alignleft has-padding-bottom-xxsmall\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/11\/fscsprotected.png?fit=156 156w\" sizes=\"(max-width: 156px) 100vw, 156px\" loading=\"lazy\"><h5 class=\"no-margin-top has-margin-bottom-xxsmall\">Is my money safe?<\/h5><p class=\"text-x-small has-padding-bottom-xxsmall\">The Financial Services Compensation Scheme (FSCS) guarantees that it will step in to compensate the first \u00a3120,000 you have saved with a UK-authorised bank, building society or credit union in the event that the business goes bust.<\/p><\/div><\/article><div class=\"fin-text-grey text-x-small has-margin-bottom\">Table: sorted by interest rate, promoted deals first<\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Please note: This calculator provides estimations based on assumptions such as that you do not make withdrawals. You should always refer to the account provider for exact figures as they may vary from our results. Interest may be taxable.<\/div><\/article><div class=\"newsletter-wrapper\"><\/div>\n<div class=\"newsletter-signup sticky-mode theme-green\" data-accountcreateflow=\"newsletter\" data-displaydelay=\"0\" data-showformembers=\"1\">\n    <div class=\"signup-grid\">\n                                <div class=\"signup-image\">\n                <img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png\" alt=\"newsletter-image\" class=\"signup-image-img\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n            <\/div>\n                        <div class=\"signup-content\">\n                <div class=\"signup-content-left\">\n                    <h2 class=\"signup-header\">Be first to know about new deals<\/h2>\n                                        <p class=\"signup-text\">Sign up to receive the latest deals, tips and a chance to <strong>win \u00a3100!<\/strong> (T&amp;Cs)\n                                            <\/p>\n                                    <\/div>\n                <div class=\"signup-content-right\">\n                    <div class=\"form\">\n                        <div class=\"email-group \">\n                            <label for=\"email-default\" class=\"sr-only\">Email address:<\/label>\n                            <input class=\"email-input\" id=\"email-default\" type=\"email\" placeholder=\"Enter your email\" name=\"email\" data-prefill=\"me.notes.createAccountEmail\">\n                            <button class=\"email-btn\">\n                                <span class=\"btn-text\">Sign up<\/span>\n                                <span class=\"loading-spinner\"><\/span>\n                            <\/button>\n                        <\/div>\n                        <p class=\"error-msg\"><span class=\"error-msg-text\">Error placeholder<\/span> <span class=\"error-msg-sign-in\"> Click <a class=\"error-msg-sign-in-link\" href=\"https:\/\/www.finder.com\/uk\/user-profile\/sign-in?returnTo=https%3A%2F%2Fwww.finder.com%2Fuk%2Fuk%2Fwp-json%2Fwp%2Fv2%2Fposts%2F345637\">here<\/a> to sign in<\/span><\/p>\n                    <\/div>\n                    <div class=\"links\">\n                                                    <a href=\"https:\/\/finder.com\/uk\/about-us\/competition-winners\">Winners<\/a> |                                                    <a href=\"https:\/\/www.finder.com\/uk\/about-us\/example-email#savings\">Emails<\/a> |                                                    <a href=\"https:\/\/www.finder.com\/uk\/communication-preferences\">Unsubscribe<\/a> |                                                    <a href=\"https:\/\/www.finder.com\/uk\/privacy-policy\">Privacy<\/a>                                             <\/div>\n                <\/div>\n            <\/div>\n                <div class=\"hide-btn\">\n            Hide\n            <svg class=\"luna-icon luna-icon--xsmall has-margin-top-xxsmall\">\n                <use xlink:href=\"#chevron-down\"><\/use>\n            <\/svg>\n        <\/div>\n    <\/div>\n<\/div>\n\n<p>Putting your money into a regular savings account for a set time period is a great way to reach a savings goal. Numerous accounts are available, so use this guide to the best regular savings accounts to decide which one best suits your own needs and goals.<\/p><h3>What is a regular savings account?<\/h3><p>As the name suggests, a regular savings account involves setting money aside on a regular basis. So you typically pay money into the account every month, for a set period of time.<\/p><p>Both the amount of money and the time period required will vary depending on which provider you go with, but there are options where you can choose to save relatively small amounts (even as low as \u00a31 a month).<\/p><p>Saving in this way can be a great way to build up savings at an affordable pace. Another upside of these accounts is that they usually attract higher interest rates than both <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/easy-access-savings\">easy access savings accounts<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/notice-savings-accounts\">notice savings accounts<\/a>.<\/p><h3>Can I access my money at any time with a regular savings account?<\/h3><p>Potentially not. The downside of a regular savings account is that there may be restrictions on withdrawing the funds that you have saved. This is especially true of regular savings <em>bonds<\/em>.<\/p><p>Access and notice terms vary from product to product, and while it may be a simple case of instant access or no access at all, there can be several \u201cinbetween\u201d options too. For example, some products will allow you to make a limited number of withdrawals over a set timeframe. Others might require a specified number of days of notice to relinquish your funds.<\/p><p>If you do take money out when the account conditions don\u2019t allow you to, or if you miss a regular savings payment, there may be financial penalties involved \u2013 typically foregoing interest.<\/p><div class=\"eeQuote box u-rounded--lg source-finder type-expert\">\n    <div class=\"eeQuote__gridContainer\">\n        <div class=\"eeQuote__photoContainer\">\n            <div class=\"eeQuote__startQuoteIcon\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"36\" viewbox=\"0 0 32 28\" fill=\"none\">\n  <path d=\"M13.1114 3.54845C12.05 5.01898 11.1447 6.64935 10.3955 8.43956C9.64624 10.2298 9.24041 11.8282 9.17798 13.2348C10.7389 13.8102 11.9563 14.6733 12.8304 15.8242C13.767 16.975 14.2352 18.3816 14.2352 20.044C14.2352 22.0899 13.5484 23.8482 12.1749 25.3187C10.8637 26.7253 9.2092 27.4286 7.21127 27.4286C5.15091 27.4286 3.43394 26.7253 2.06036 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id=\"clip0_5290_9827\">\n          <rect width=\"18\" height=\"11.3684\" fill=\"white\" transform=\"translate(3 6.3158)\"><\/rect>\n        <\/clippath>\n      <\/defs>\n    <\/svg>\n  <\/div>\n<\/div>\n                                    <\/div>\n\n        <div class=\"eeQuote__contentContainer \">\n            <div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">Our expert says: Kate Steere explains how to get the most out of a regular saver<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"Regular savers often have some of the highest interest rates on the market, but that\u2019s because they cap the amount you can save a month. When shopping around for the best account, it is crucial to look beyond just the headline interest rate. You need to consider the maximum monthly deposit limit, whether withdrawals are permitted, and whether the rate is fixed or variable.<\/p><p>You may find that while one regular saver has a higher rate, it also has a low monthly deposit cap and a variable rate that could drop at any time. In contrast, an account with a slightly lower, fixed interest rate that allows you to deposit a much larger sum each month will often net you far more total interest by the end of the year.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                            <div class=\"eeQuote__authorInfo\">\n                                            <div class=\"eeQuote__authorPhoto--mobile\">\n                            <figure class=\"eeQuote__photo\">\n                                <img decoding=\"async\" alt=\"Kate Steere's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/KateSteereF1_Finder_600x600.png\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/KateSteereF1_Finder_600x600.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/KateSteereF1_Finder_600x600.png?fit=360 360w, 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                                   <\/div>\n                                        <div class=\"eeQuote__authorDetails\">\n                                                    <a class=\"eeQuote__authorName\" href=\"https:\/\/www.finder.com\/uk\/author\/katesteere\" itemprop=\"url\" target=\"_blank\">\n                                Kate Steere\n                            <\/a>\n                                                                            <div class=\"eeQuote__authorTitle\">Editor<\/div>\n                                            <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n<h3>Best regular savings accounts: How to choose<\/h3><p>What turns out to be the \u201cbest\u201d regular savings account for you will depend on your individual needs, so here are some pointers to consider before you choose one:<\/p><ul><li><strong>What\u2019s the interest rate?<\/strong> This is the big one when you\u2019re looking to generate a return on your savings (in addition to setting money aside), so research which provider is offering the best rate in the market.<\/li><li><strong>Is the rate fixed or variable?<\/strong> Although savings rates don\u2019t typically jump around from day to day, you may prefer the certainty of a fixed rate. Note that a fixed rate will only ever be fixed for a set period, and after that the revert rate is usually significantly worse (so fixed rates can be great for the short-term but require you to switch in the longer term).<\/li><li><strong>What monthly contributions are allowed?<\/strong> If there\u2019s an obligation to pay a set amount every month, you need to make sure that\u2019s affordable. Conversely, if there\u2019s a maximum on what you can pay in each month, is it high enough? And can you make additional payments if you\u2019re having a good month?<\/li><li><strong>How easily can you access your funds?<\/strong> On some of the top-paying products, you may not be able to withdraw your savings for a set period of time (or will only have very limited access \u2013 say a set number of withdrawals per year or a set number of days notice required to make withdrawals), so be confident you can afford to tie your money up for the specified timeframe.<\/li><li><strong>Am I eligible?<\/strong> In some cases, you may need to be an existing customer, or perhaps hold your current account with the savings account provider.<\/li><li><strong>How is the account opened and operated?<\/strong> Can you open the account online if you\u2019d prefer not to visit a branch (or maybe you prefer the face-to-face experience)? Can you track and manage your account online or through an app?<\/li><\/ul><h3>Pros and cons of a regular savings account<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>The interest rates on offer can be better than for traditional, easy-access and notice savings accounts.<\/li>\n                                    <li>The need to pay money in regularly will help build up your savings pot. Regular savers are a great way to hit specific savings goals within a timeframe of your choosing.<\/li>\n                                    <li>The amount you're required to save each month can be very low.<\/li>\n                                    <li>You may also be able to make additional contributions as and when it suits you.<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>You'll usually have to make the regular contributions or face a penalty (generally forfeiting interest).<\/li>\n                                    <li>You're often obliged to keep money locked in for a set period of time and might not be able to withdraw without a penalty.<\/li>\n                                    <li>The amount you can save each month will usually be capped.<\/li>\n                                    <li>Regular saver accounts rarely come with ISA wrappers.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>An overview of our regular savings accounts comparison<\/h3><table class=\"i_infobox product_infobox\">\n<tbody>\n<tr>\n<th>Rates up to<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n8% AER\n<\/td>\n<\/tr>\n<tr>\n<th>Number of accounts<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n67\n<\/td>\n<\/tr>\n<tr>\n<th>Number of brands<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n48\n<\/td>\n<\/tr>\n<tr>\n<th>Minimum monthly contribution<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n\u00a30\n<\/td>\n<\/tr>\n<tr>\n<th>Maximum monthly contribution<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n\u00a33,000\n<\/td>\n<\/tr>\n<tr>\n<th>Opening options<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\nBranch, website, mobile app, telephone, post<\/td>\n<\/tr>\n<\/tbody>\n<\/table><h3>Drip feeding a lump sum<\/h3><p>Regular savings accounts generally come with higher interest rates than other savings accounts, but low monthly deposit limits means they might not be the best option if you have a lump sum you want to save. However, you can still maximise the interest you get on a lump sum by drip feeding it from an easy access account. <\/p><p>Essentially, you need to put the lump sum in a high-interest easy access account, so it\u2019s earning interest from the start. When you open the regular saver, you take out the maximium monthly deposit from that account, then put it in the regular saver at the start of the term (usually 12 months) and every month after that. You\u2019ll then earn more interest by doing this than if you just left it in the easy access account for the full term.<\/p><h3>Bottom line<\/h3><p>A regular savings account can be a great option if you\u2019re looking to get better at saving. But you\u2019ll need to be prepared to put a set amount aside each month, typically for a year, and potentially be happy to leave those funds untouched for that time. <\/p><p>If you\u2019d prefer to be able to access your funds, an easy access savings account will likely be more suitable. Or, if you have a lump sum to invest and you are happy to lock it away for a set time, a fixed rate bond might be better.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">What happens when my regular saver account comes to an end?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Your provider should let you know around a month before this happens and the funds will usually be transferred to an easy access account.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Is my money safe in a regular savings account?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes, as long as your provider is authorised by the Financial Conduct Authority (FCA) or the Prudential Regulation Authority (PRA), your money will be protected under the Financial Services Compensation Scheme (FSCS). This means that up to \u00a3120,000 of your money will be protected per person, per banking institution in the event your bank went bust. <\/p><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>If you\u2019d like to squirrel money away every month, then a regular savings account could be the option you\u2019re looking for.<\/p>\n","protected":false},"author":867,"featured_media":152834,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"Best regular savings accounts","_yoast_wpseo_title":"Best regular savings accounts: Up to [nb:highest-value niche_code=\"UKFSA-SAV\" record_type=\"PRODUCT\" field=\"MONEYFACTS.RATE1_GROSSAER\" record_set_id=\"5fba5652-4433-40b1-af28-2ab77f97b8f9\" decorated=\"true\"] AER | Finder UK","_yoast_wpseo_metadesc":"If you\u2019d like to squirrel money away every month, read this guide to the best regular savings accounts to find your best 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14:21:00\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We added expert analysis to this guide. \\r\\n\"}","_last_major_update":"","_search_priority":0,"feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":""},"categories":[1181],"tags":[2565],"asset_tag":[],"class_list":["post-345637","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-savings-accounts","tag-latest-3"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Best regular savings accounts: Up to 8% AER | Finder UK<\/title>\n<meta name=\"description\" content=\"If you\u2019d like to squirrel money away every month, read this guide to the best regular savings accounts to find your best option.\" \/>\n<meta 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