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Monthly savings accounts. A large lump sum is hidden when it is above the maximum balance.

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Top picks are the two highest fresh UK FSCS rates on this page. A high minimum deposit stays in the list, and each card names that minimum. Extra conditions, existing-customer limits and regional limits stay out unless that filter is on. Fewer than two matches, and this block stays hidden.

16 accounts

Sorted by highest rate · Checked 17 Oct 2026, 09:52

We may earn a fee if you open an account through a paid link. The top 5 results are never ads. Fees never change the order.

  1. Regular Saver

    Santander

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    Needs a Santander current account (not a 1|2|3 Mini account held in Trust)

    Sole name; pay in from Santander current account; max £200/month.

    Regular saver · 1 year · Checked 6 hours ago · verified at source · Report a wrong rate

    8.00%AER variableUp to £200 a monthMinimum deposit £1

    Pay in £2,400 over the year, earn about £104, finish with about £2,504. Why you earn about half the headline.

    FSCS protected · limit shared with Santander UK plc

    Interest paid: not yet checked

    View details: Regular Saver

  2. Regular Saver Account

    first direct

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    Needs a first direct 1st Account

    No withdrawals until 12 months. Closing the account early pays the standard savings rate.

    Regular saver · 1 year · Checked 6 hours ago · verified at source · Report a wrong rate

    7.00%AER fixedUp to £300 a monthMinimum deposit £25

    Pay in £3,600 over the year, earn about £136.50, finish with about £3,736.50. Why you earn about half the headline.

    FSCS protected · limit shared with HSBC UK Bank plc

    Interest: At the end of the term

    View details: Regular Saver Account

  3. Regular Saver

    Co-operative Bank

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    Needs a Co-operative Bank current account (smile accounts are not eligible)

    Regular saver · 1 year · Checked 6 hours ago · verified at source · Report a wrong rate

    7.00%AER variableUp to £250 a monthMinimum deposit £1

    Pay in £3,000 over the year, earn about £113.75, finish with about £3,113.75. Why you earn about half the headline.

    FSCS protected · limit shared with The Co-operative Bank plc

    Interest: At the end of the term

    View details: Regular Saver

  4. Online 1 Year Monthly Saver

    Progressive Building Society

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    Regular saver · 1 year · Checked 6 hours ago · verified at source · Report a wrong rate

    7.00%AER variableUp to £200 a monthMinimum deposit £1

    Pay in £2,400 over the year, earn about £91, finish with about £2,491. Why you earn about half the headline.

    FSCS protected · limit shared with Progressive Building Society

    Interest: Annual

    View details: Online 1 Year Monthly Saver

  5. Flex Regular Saver

    Nationwide Building Society

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    Needs a Nationwide current account

    Regular saver · 1 year · Checked 6 hours ago · verified at source · Report a wrong rate

    6.50%AER variableUp to £200 a monthMinimum deposit not confirmed

    Pay in £2,400 over the year, earn about £84.50, finish with about £2,484.50. Why you earn about half the headline.

    FSCS protected · limit shared with Nationwide Building Society

    Interest: At the end of the term

    View details: Flex Regular Saver

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  6. App-only

    Regular Saver

    Chase UK

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    Needs a Chase current account

    Regular saver · 1 year · Checked 6 hours ago · verified at source · Report a wrong rate

    6.50%AER fixedUp to £300 a monthMinimum deposit £0

    Pay in £3,600 over the year, earn about £125.45, finish with about £3,725.45. Why you earn about half the headline.

    FSCS protected · limit shared with J.P. Morgan Europe Limited

    Interest: Monthly

    View details: Regular Saver

  7. Club Lloyds Monthly Saver

    Lloyds Bank

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    Needs a Club Lloyds or Premier current account

    Club Lloyds: £5/month fee, refunded in any month you pay in £2,000+.

    Regular saver · 1 year · Checked 6 hours ago · verified at source · Report a wrong rate

    6.25%AER fixedUp to £250 a monthMinimum deposit £25

    Pay in £3,000 over the year, earn about £101.56, finish with about £3,101.56. Why you earn about half the headline.

    FSCS protected · limit shared with Lloyds Bank plc

    Interest paid: not yet checked

    View details: Club Lloyds Monthly Saver

  8. Member Regular Saver

    Skipton Building Society

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    Skipton members only

    Regular saver · 1 year · Checked 6 hours ago · verified at source · Report a wrong rate

    5.75%AER variableUp to £250 a monthMinimum deposit £1

    Pay in £3,000 over the year, earn about £93.44, finish with about £3,093.44. Why you earn about half the headline.

    FSCS protected · limit shared with Skipton Building Society

    Interest: Annual

    View details: Member Regular Saver

  9. Digital Regular Saver

    NatWest

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    Needs a NatWest current account

    Monthly standing order from the NatWest current account (£1-£150).

    Regular saver · Checked 6 hours ago · verified at source · Report a wrong rate

    5.25%AER variableUp to £150 a month5.25% on the first £5,000, then 1.00% on the part above £5,000Minimum deposit £1

    Pay in £1,800 over the year, earn about £51.19, finish with about £1,851.19. Why you earn about half the headline.

    FSCS protected · limit shared with National Westminster Bank plc

    Interest paid: not yet checked

    View details: Digital Regular Saver

  10. Digital Regular Saver

    Royal Bank of Scotland

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    Needs a Royal Bank of Scotland current account

    Regular saver · Checked 6 hours ago · verified at source · Report a wrong rate

    5.25%AER variableUp to £150 a month5.25% on the first £5,000, then 1.00% on the part above £5,000Minimum deposit £1

    Pay in £1,800 over the year, earn about £51.19, finish with about £1,851.19. Why you earn about half the headline.

    FSCS protected · limit shared with The Royal Bank of Scotland plc

    Interest paid: not yet checked

    View details: Digital Regular Saver

  11. Branch-only Regular Savings Account - Issue 12

    Kent Reliance

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    Regular saver · Checked 6 hours ago · verified at source · Report a wrong rate

    5.10%AER variableUp to £500 a monthMinimum deposit £25

    Pay in £6,000 over the year, earn about £165.75, finish with about £6,165.75. Why you earn about half the headline.

    FSCS protected · limit shared with OneSavings Bank plc (OSB Group)

    Interest: Annual

    View details: Branch-only Regular Savings Account - Issue 12

  12. Monthly Saver

    Lloyds Bank

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    Needs a Lloyds current account

    Regular saver · 1 year · Checked 6 hours ago · verified at source · Report a wrong rate

    5.00%AER fixedUp to £250 a monthMinimum deposit £25

    Pay in £3,000 over the year, earn about £81.25, finish with about £3,081.25. Why you earn about half the headline.

    FSCS protected · limit shared with Lloyds Bank plc

    Interest paid: not yet checked

    View details: Monthly Saver

  13. Monthly Saver

    TSB

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    For TSB current account customers, including joint accounts

    Regular saver · 1 year · Checked 6 hours ago · verified at source · Report a wrong rate

    5.00%AER fixedUp to £250 a monthMinimum deposit £25

    Pay in £3,000 over the year, earn about £81.25, finish with about £3,081.25. Why you earn about half the headline.

    FSCS protected · limit shared with TSB Bank plc

    Interest paid: not yet checked

    View details: Monthly Saver

  14. Monthly Saver

    Bank of Scotland

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    Needs a Bank of Scotland current account

    Regular saver · 1 year · Checked 6 hours ago · verified at source · Report a wrong rate

    5.00%AER fixedUp to £250 a monthMinimum deposit £25

    Pay in £3,000 over the year, earn about £81.25, finish with about £3,081.25. Why you earn about half the headline.

    FSCS protected · limit shared with Bank of Scotland plc

    Interest paid: not yet checked

    View details: Monthly Saver

  16. Regular Savings Account

    Monmouthshire Building Society

    Read customer reviews on Trustpilot ↗ (opens in a new tab)

    Regular saver · 1 year · Checked 6 hours ago · verified at source · Report a wrong rate

    5.00%AER variableUp to £250 a monthMinimum deposit £1

    Pay in £3,000 over the year, earn about £81.25, finish with about £3,081.25. Why you earn about half the headline.

    FSCS protected · limit shared with Monmouthshire Building Society

    Interest paid: not yet checked

    View details: Regular Savings Account
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