The best regular savings accounts

Save every month for the best interest rates

The best-paying savings accounts are usually regular savers, which are where you pay into them regularly, usually monthly, with rates currently as high as 8%. Here are the top-paying ones, split by those that require you to open a current account first and those that don’t. Sometimes you’ll find loyalty accounts, which are ones that require you to have been a customer with them for a period to open one up.

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Best regular savers that don’t require a current account

No current account required

Halifax Regular Saver

Customer rating 4.1/5

AER (fixed)
8%
Minimum
£25
Maximum
£250 per month
Open to
Everyone

FSCS Protected? Yes
Withdrawals allowed Only allowed with account closure
Account closes After 12 months
Maximum interest in one year £120
Carry over unused allowance? No
Auto-renews? No
Requirements Money must reach the account by the 25th of the month

Monmouthshire Building Society Regular Savings Account

Customer rating 4.7/5

AER (variable)
6%
Minimum
£1
Maximum
£500 per month
Open to
Everyone

FSCS Protected? Yes
Maximum interest in one year £194.55
Carry over unused allowance? No
Withdrawals allowed? Allowed without penalty
Interest paid At the end of the 12 month period

Skipton Building Society Regular Saver

Customer rating 4.4/5

AER (variable)
5.25%
Minimum
£1
Maximum
£200 per month
Open to
Everyone

FSCS Protected? Yes
Withdrawals allowed? No withdrawals allowed
Account closes After 12 months
Maximum interest in one year £68
Auto-renews? No
Rate details Rate tracks 1.5% above Bank of England Base Rate for 12 months

Best regular savers for existing customers

You need to already be a customer of these companies, usually before a set date. But that’ll often get you a better rate.

Open to existing customers

Skipton Building Society Existing Member Regular Saver

Customer rating 4.4/5

AER
5.75%
Minimum
£1
Maximum
£250 a month
Open to
Existing customers

Must have continuously held a Skipton mortgage or savings account, starting on or before 10/11/25

FSCS Protected? Yes
Withdrawals allowed? No withdrawals allowed
Account closes After 12 months
Maximum interest in one year £93
Auto-renews? No
Rate details Rate tracks 2% above Bank of England Base Rate for 12 months
Eligibility Must have continuously held a Skipton mortgage or savings account, starting on or before 10/11/25

Best current account linked regular savers

Current account linked regular savers

Bank of Scotland Monthly Saver

Customer rating 3.5/5

AER (fixed)
8%
Minimum
£25
Maximum
£250 per month
Open to
Current account customers

Requires a Bank of Scotland current account

FSCS Protected? Yes
Withdrawals allowed? Allowed without penalty
Account closes After 12 months
Maximum interest in one year £120

Lloyds Bank Monthly Saver

Customer rating 4.1/5

AER (fixed)
8%
Minimum
£25
Maximum
£250 per month
Open to
Current account customers

Requires a Lloyds current account

FSCS Protected? Yes
Withdrawals allowed? Allowed without penalty
Account closes After 12 months
Maximum interest in one year £120

Santander Regular Saver

Customer rating 3.9/5

AER (fixed)
8%
Minimum
£1
Maximum
£200 per month
Open to
Current account customers

Requires a Santander current account

FSCS Protected? Yes
Account closes No - the rate will reduce to 3% after 12 months
Maximum interest in one year £104
Bonus Rate includes a variable bonus of 5% for the first 12 months

Zopa 6-month Regular Savings Account

Customer rating 4.9/5

AER (variable)
7.1%
Minimum
£1
Maximum
£300 per month
Open to
Current account customers

Requires Biscuit current account

FSCS Protected? Yes
Account closes No
Maximum interest in 6 months £37
Carry over unused allowance? No
Auto-renews? Yes
Withdrawals allowed? You can make withdrawals whenever you want, and you can replace the money back into the account up to a maximum of £300 in each month. So if you withdraw £600, you can only put £300 back in.

first direct Regular Savings Account

Customer rating 4.7/5

AER (fixed)
7%
Minimum
£1
Maximum
£300 per month
Open to
Current account customers

Requires First Direct current account.

FSCS Protected? Yes
Account closes After 12 months
Maximum interest in one year £135
Carry over unused allowance? Yes
Auto-renews? No
Withdrawals allowed? Any withdrawal closes the account and reduces the interest paid

The Co-operative Bank Regular Savings Account

Customer rating 3.7/5

AER (fixed)
7%
Minimum
£1
Maximum
£250 per month
Open to
Current account customers

Requires a Co-op Bank current account

FSCS Protected? Yes
Account closes After 12 months
Maximum interest in one year £114
Carry over unused allowance? No
Auto-renews? No
Withdrawals allowed? Withdraw as you wish

Nationwide Regular Savings Account

Customer rating 4.5/5

AER (variable)
6.5%
Minimum
£0
Maximum
£200 per month
Open to
Current account customers

Requires a Nationwide current account

FSCS Protected? Yes
Withdrawals allowed? You'll get a lower rate of 1.75% paid for rest of term if four or more withdrawals are made
Account closes After 12 months it reverts to an instant saver account
Maximum interest in one year £84
Carry over unused allowance? No

NatWest Digital Regular Saver

Customer rating 4.7/5

AER (variable)
5.25%
Minimum
£1
Maximum
£150 per month
Open to
Current account customers

Rate dropping to 5.25% on 19 January 2026. Requires a NatWest current account

FSCS Protected? Yes
Withdrawals allowed? Allowed without penalty
Account closes No
Maximum interest in one year £54
Important details You only earn this rate on the first. £5,000 in the account, then 1.1% on any amount over £5,000

RBS Digital Regular Saver

Customer rating 3.9/5

AER (variable)
5.25%
Minimum
£1
Maximum
£150 per month
Open to
Current account customers

Rate dropping to 5.25% on 19 January 2026.. Requires an RBS current account

FSCS Protected? Yes
Withdrawals allowed? Allowed without penalty
Account closes No
Maximum interest in one year £54
Important details You only earn this rate on the first. £5,000 in the account, then 1.1% on any amount over £5,000

TSB Monthly Saver Account

Customer rating 3.5/5

AER (fixed)
5%
Minimum
£25
Maximum
£250 per month
Open to
Current account customers

Requires a TSB current account

FSCS Protected? Yes
Withdrawals allowed? Allowed without penalty
Account closes After 12 months
Maximum interest in one year £71

HSBC Regular Savings Account

Customer rating 3.9/5

AER (fixed)
5%
Minimum
£25
Maximum
£250 per month
Open to
Current account customers

Requires an HSBC current account

FSCS Protected? Yes
Withdrawals allowed? Not allowed
Account closes After 12 months
Maximum interest in one year £81
Carry over unused allowance? Yes - you can pay up to £3,000 into the account in total

Featured deal

Santander £240 switch offer

Customer rating 3.9/5

Switch bonus
£240
Perks
8% regular saver
Monthly fee
0
Offer ends
Unknown

FSCS Protected? Yes
Bonus requirements To get the £240 switch offer, you need to complete a full switch with the Current Account Switching Service. Then, within 60 days of your initial switch request, you need to set up two active direct debits, deposit £1,500 into the current account, set up a Santander Regular Saver, and deposit £200 into it.
Regular saver 8% (variable) regular savings account. Includes 5% (variable) bonus for 12 months
Existing customers? You can't have held a Santander account on 1 January 2026.

View Deal

What is a regular or monthly savings account?

These “Regular” or monthly saver accounts work differently to normal saving accounts.

For a start, there’s a limit to how much you can save each month, and the interest is calculated on the balance each month. With most, after 12 months the interest is paid and your saver (usually) closed. But you can then open up another and begin again.

These are ideal if you only have a certain amount of money to put aside each month, or to move money every month from a lower-paying easy access account. Here’s Andy’s full guide to how they work.

You can usually only open the top accounts if you have or open a current account with these banks, but that’s no reason to put you off. Look out for bank switching deals for some of these.