Best Regular Savings Accounts (2025): Build Wealth One Month at a Time

Saving money consistently is one of the best ways to build long-term financial stability. And if you want to make every pound work harder, a regular savings account is your best friend in 2025.

Unlike lump-sum savings, regular savers reward discipline. You deposit monthly—often capped at a few hundred pounds—and in return, you get interest rates that beat almost every easy-access account on the market.

Whether you’re saving for a holiday, a home deposit, or just building an emergency fund, this guide walks you through the best regular savings accounts available now in the UK.

What Is a Regular Savings Account?

A regular savings account is a savings product that rewards you for monthly deposits, usually between £25 and £500. In exchange for consistent contributions and fewer withdrawals, banks offer higher interest rates than typical savings accounts.

Key features:

• Monthly deposit requirements (often fixed)

• High interest for 12 months

• Limited or no withdrawals allowed

• Interest paid annually or monthly

Are Regular Savers Worth It in 2025?

Yes—especially in today’s high-rate environment.

With some accounts offering over 7% AER, they outperform even top fixed-rate bonds—but only if you stick to the terms.

You won’t be able to dump in £20,000 upfront, but you can grow your savings while developing healthy financial habits.

Best Regular Savings Accounts in the UK (2025)

Note: All rates are correct as of June 2025 and subject to change.

Detailed Breakdown: Best Accounts You Should Consider

🟢 First Direct Regular Saver – 7.00% AER Fixed

• Deposit up to £300/month for 12 months

• No withdrawals allowed

• Must hold a First Direct 1st Account

• Interest paid after 12 months

Why it’s good: One of the highest guaranteed rates in the UK. Great for savers who won’t need access to funds.

👉 Open with First Direct

🔵 Nationwide Flex Regular Saver – 6.50% AER Variable

• Deposit up to £200/month

• Up to 3 withdrawals per year

• Must have a Nationwide current account

• Interest paid annually

Why it stands out: Flexibility and great rate, even with occasional access.

👉 Learn more at Nationwide

🟣 Lloyds Bank Club Monthly Saver – 6.25% AER Fixed

• Max deposit: £250/month

• 12-month term with no withdrawals

• Requires Club Lloyds current account

• Interest paid at maturity

Who it’s for: Savers happy to lock in and who already use Lloyds for everyday banking.

👉 Visit Lloyds Savings

🔶 TSB Monthly Saver – 5.50% AER Variable

• Save up to £250/month

• Withdrawals allowed but reduce interest rate

• Must hold a TSB current account

Perk: Offers flexibility—but with a trade-off.

👉 More info at TSB

What Happens After 12 Months?

Most regular savers mature after 1 year. Your balance is then:

• Paid into a nominated account

• Or moved into a standard (lower-rate) easy-access account

At that point, you should:

• Move your money into a better-paying account

• Reopen a new regular saver if you’re eligible

Set a calendar reminder before maturity to avoid missing out on better rates!

Can You Open Multiple Regular Savers?

Yes—but most banks limit you to one account per person.

That said, you can hold separate regular savers across different banks. For example:

• £300/month at First Direct

• £200/month at Nationwide

• £150/month at NatWest

This way, you can diversify your savings and earn multiple high rates.

Tips to Maximise Your Regular Saver Strategy

1. Automate deposits

Set up a standing order from your current account. You’ll never forget and it keeps the account in good standing.

2. Avoid early withdrawals

Many regular savers penalise early access with lost interest or even closure.

3. Track your ISA allowance

Some banks offer regular saver Cash ISAs too—tax-free saving up to £20,000/year.

4. Review annually

Rates change often. As each saver ends, reassess and look for better offers.

Regular Saver vs Easy Access: Which Is Better?

If you have a large lump sum, an easy access or fixed-rate account might earn more. But if you’re building from scratch, regular savers are a clear winner.

Banks with the Best Customer Support and Apps

Data based on Trustpilot and app store ratings, 2025.

Final Verdict: Should You Open a Regular Saver?

✅ Yes, if you:

• Can commit monthly (£100–£300)

• Want top-tier interest rates

• Already have a current account with a major UK bank

Regular savings accounts reward patience and consistency. If you set it, forget it, and review it annually, you’ll build up a healthy savings pot while earning market-leading interest.

External Resources to Explore

• First Direct Regular Saver

• Nationwide Savings Products

• Lloyds Savings Options

• TSB Monthly Saver Info

• UK Financial Services Compensation Scheme