Juno's on the scent…
Juno's on the scent…
Ranked by rate alone. No paid placements: who pays us has no say in the order.
Highest rates, but you pay in a capped amount each month, so you earn about half the headline rate on what you save.
66 accounts, highest AER first
| Rank# | Account | AER | Monthly limit |
|---|---|---|---|
| 1 | Santander Regular Saverthen 3.00% after 1 yearNeeds the bank's current accountDetails for Santander Regular Saver
|
Highest AER first, then the lower minimum deposit. Ranking rules version 1.2.0. AER shows what you'd earn in a year including any bonus. Rates can change at any time: check with the bank before you apply. Lifetime ISA rates are the provider's interest only; the government's 25% bonus is not in the AER. Lifetime ISAs, Junior ISAs and children's accounts are ranked only against their own kind, and Premium Bonds, which pay prizes rather than interest, are never ranked: see NS&I and Premium Bonds. NS&I accounts are backed by HM Treasury, not the FSCS. We list accounts held directly with the bank, not savings sold through apps and platforms such as Revolut, Trading 212 or Raisin. "Beats inflation" means the AER, and the rate after any bonus, is above CPI inflation of 3.5% (September 2026, ONS), before tax. How we rank, what we don't list and how we're paid.
| 8.00% |
| £200 a month |
| 2 | The Co-operative Bank Regular Saver (Issue 1)Beats inflationNeeds the bank's current accountDetails for The Co-operative Bank Regular Saver (Issue 1)
| 7.00% | £250 a month |
| 3 | Progressive Building Society Online 1 Year Monthly SaverBeats inflationUK resident aged 18+, sole nameDetails for Progressive Building Society Online 1 Year Monthly Saver
| 7.00% | £200 a month |
| 4 | first direct Regular Saver AccountBeats inflationNeeds the bank's current accountDetails for first direct Regular Saver Account
| 7.00% | £300 a month |
| 5 | Chase Regular SaverBeats inflationNeeds the bank's current accountDetails for Chase Regular Saver
| 6.50% | £300 a month |
| 6 | Nationwide Building Society Flex Regular SaverBeats inflationNeeds the bank's current accountDetails for Nationwide Building Society Flex Regular Saver
| 6.50% | £200 a month |
| 7 | Hanley Economic Building Society 1 Year Branch Smart Saver (TAR09)Beats inflationRate on up to £3,600Details for Hanley Economic Building Society 1 Year Branch Smart Saver (TAR09)
| 6.30% | £300 a month |
| 8 | Lloyds Bank Club Lloyds Monthly SaverBeats inflationNeeds the bank's current accountDetails for Lloyds Bank Club Lloyds Monthly Saver
| 6.25% | £250 a month |
| 9 | Bath Building Society 16-25 Regular SaverBeats inflationRate on up to £7,000Details for Bath Building Society 16-25 Regular Saver
| 6.15% | £1 |
| 10 | Earl Shilton Building Society Monthly SaverBeats inflationUK residents onlyDetails for Earl Shilton Building Society Monthly Saver
| 6.00% | £500 a month |
| 11 | Hinckley & Rugby Building Society Regular Saver Issue 3Beats inflationDetails for Hinckley & Rugby Building Society Regular Saver Issue 3
| 6.00% | £1 |
| 12 | Mansfield Building Society My Milestone Saverthen 3.25% after 0 yearsDetails for Mansfield Building Society My Milestone Saver
| 6.00% | £1 |
| 13 | Monmouthshire Building Society St David's Hospice Care Regular SaverBeats inflationBranch or agency onlyDetails for Monmouthshire Building Society St David's Hospice Care Regular Saver
| 6.00% | £1 |
| 14 | AIB (NI) Regular Saver AccountBeats inflationDetails for AIB (NI) Regular Saver Account
| 6.00% | £500 a month |
| 15 | Harpenden Building Society 18-30 Regular Saver (Issue 1)Beats inflationDetails for Harpenden Building Society 18-30 Regular Saver (Issue 1)
| 6.00% | £200 a month |
| 16 | Cambridge Building Society Extra Reward Regular SaverBeats inflationDetails for Cambridge Building Society Extra Reward Regular Saver
| 6.00% | £300 a month |
| 17 | Manchester Building Society Manchester Regular Saver (Issue 2)Beats inflationApply in branchDetails for Manchester Building Society Manchester Regular Saver (Issue 2)
| 5.75% | £250 a month |
| 18 | Newcastle Building Society Newcastle Regular Saver (Issue 2)Beats inflationOpen in branch onlyDetails for Newcastle Building Society Newcastle Regular Saver (Issue 2)
| 5.75% | £250 a month |
| 19 | Vernon Building Society Online Regular SaverBeats inflationOne per person; sole onlyDetails for Vernon Building Society Online Regular Saver
| 5.75% | £250 a month |
| 20 | Dudley Building Society Loyalty Regular Saver Issue 3Beats inflationDetails for Dudley Building Society Loyalty Regular Saver Issue 3
| 5.75% | £500 a month |
| 21 | Dudley Building Society Dudley Regular SaverBeats inflationDetails for Dudley Building Society Dudley Regular Saver
| 5.50% | £250 a month |
| 22 | Manchester Building Society Manchester Regular Saver (Issue 1)Beats inflationApply in branchDetails for Manchester Building Society Manchester Regular Saver (Issue 1)
| 5.40% | £500 a month |
| 23 | Darlington Building Society Regular Monthly SaverBeats inflationDetails for Darlington Building Society Regular Monthly Saver
| 5.25% | £250 a month |
| 24 | NatWest Digital Regular SaverBeats inflationNeeds the bank's current accountDetails for NatWest Digital Regular Saver
| 5.25% | £150 a month |
| 25 | Royal Bank of Scotland Digital Regular SaverBeats inflationNeeds the bank's current accountDetails for Royal Bank of Scotland Digital Regular Saver
| 5.25% | £150 a month |
| 26 | Principality Building Society Christmas 2027 Regular SaverBeats inflationDetails for Principality Building Society Christmas 2027 Regular Saver
| 5.25% | £1 |
| 27 | Monmouthshire Building Society Regular SaverBeats inflationRate on up to £3,000Details for Monmouthshire Building Society Regular Saver
| 5.00% | £250 a month |
| 28 | West Bromwich Building Society Fixed Rate Regular Saver (Issue 8)Beats inflationDetails for West Bromwich Building Society Fixed Rate Regular Saver (Issue 8)
| 5.00% | £200 a month |
| 29 | Suffolk Building Society 1 Year Fixed Rate Regular Saver (30.11.2027)Beats inflationDetails for Suffolk Building Society 1 Year Fixed Rate Regular Saver (30.11.2027)
| 5.00% | £300 a month |
| 30 | Suffolk Building Society Online 1 Year Fixed Rate Regular Saver (30.11.2027)Beats inflationDetails for Suffolk Building Society Online 1 Year Fixed Rate Regular Saver (30.11.2027)
| 5.00% | £300 a month |
| 31 | Bank of Scotland Monthly SaverBeats inflationNeeds the bank's current accountDetails for Bank of Scotland Monthly Saver
| 5.00% | £250 a month |
| 32 | Chorley Building Society Regular Saver (30.09.2027)Beats inflationDetails for Chorley Building Society Regular Saver (30.09.2027)
| 5.00% | £400 a month |
| 33 | HSBC UK Regular SaverBeats inflationNeeds the bank's current accountDetails for HSBC UK Regular Saver
| 5.00% | £250 a month |
| 34 | Lloyds Bank Monthly SaverBeats inflationNeeds the bank's current accountDetails for Lloyds Bank Monthly Saver
| 5.00% | £250 a month |
| 35 | TSB Monthly SaverBeats inflationNeeds the bank's current accountDetails for TSB Monthly Saver
| 5.00% | £250 a month |
| 36 | Chorley Building Society Regional 2 Year Flexible Saver (30.09.2028)Beats inflationDetails for Chorley Building Society Regional 2 Year Flexible Saver (30.09.2028)
| 5.00% | £400 a month |
| 37 | Principality Building Society 1 Year Regular Saver BondBeats inflationDetails for Principality Building Society 1 Year Regular Saver Bond
| 4.85% | £1 |
| 38 | Newcastle Building Society First Home Regular SaverBeats inflationFirst-time buyers onlyDetails for Newcastle Building Society First Home Regular Saver
| 4.80% | £500 a month |
| 39 | Ford Money Regular Saver (Step-Up Saver)Beats inflationDetails for Ford Money Regular Saver (Step-Up Saver)
| 4.75% | £200 a month |
| 40 | Beverley Building Society Regular Saver Cash ISAthen 2.40% after 1 yearDetails for Beverley Building Society Regular Saver Cash ISA
| 4.50% | £20 |
| 41 | Dudley Building Society One Year Regular Saver Issue 9Beats inflationDetails for Dudley Building Society One Year Regular Saver Issue 9
| 4.50% | £500 a month |
| 42 | Nottingham Building Society Regular SaverBeats inflationDetails for Nottingham Building Society Regular Saver
| 4.25% | £1 |
| 43 | Penrith Building Society Regular E Saver 200 (Issue 2)Beats inflationOnline only; one per personDetails for Penrith Building Society Regular E Saver 200 (Issue 2)
| 4.25% | £200 a month |
| 44 | Penrith Building Society Regular Saver 200 (Issue 3)Beats inflationOpen in branchDetails for Penrith Building Society Regular Saver 200 (Issue 3)
| 4.25% | £200 a month |
| 45 | Coventry Building Society First Home Saver (2)Beats inflationDetails for Coventry Building Society First Home Saver (2)
| 4.25% | £1 |
| 46 | Chorley Building Society Home SaverBeats inflationDetails for Chorley Building Society Home Saver
| 4.25% | £500 a month |
| 47 | Aldermore Regular Saver Account (Issue 3)Beats inflationAged 18+, UK resident and only UK tax residentDetails for Aldermore Regular Saver Account (Issue 3)
| 4.20% | £300 a month |
| 48 | Stafford Building Society Regular Saver - Issue 1Beats inflationDetails for Stafford Building Society Regular Saver - Issue 1
| 4.15% | £25 |
| 49 | Swansea Building Society Regular Monthly SaverBeats inflationDetails for Swansea Building Society Regular Monthly Saver
| 4.07% | £2,500 a month |
| 50 | Leek Building Society Regular Saver Account (Issue 3)Beats inflationDetails for Leek Building Society Regular Saver Account (Issue 3)
| 4.05% | £1 |
| 51 | The Money Co-op Saver PlusBeats inflationDetails for The Money Co-op Saver Plus
| 4.00% | £250 a month |
| 52 | Coventry Building Society Regular Saver (6)Beats inflationRate on up to £6,000Details for Coventry Building Society Regular Saver (6)
| 4.00% | £1 |
| 53 | Principality Building Society First Home Steps AccountBeats inflationDetails for Principality Building Society First Home Steps Account
| 4.00% | £1 |
| 54 | Saffron Building Society Small Saver (Issue 2)Beats inflationDetails for Saffron Building Society Small Saver (Issue 2)
| 3.90% | £50 a month |
| 55 | Furness Building Society 1 Year Regular SaverBeats inflationDetails for Furness Building Society 1 Year Regular Saver
| 3.75% | £1 |
| 56 | Cumberland Building Society First Home SaverBeats inflationDetails for Cumberland Building Society First Home Saver
| 3.75% | £100 |
| 57 | Suffolk Building Society House Deposit Savings AccountDetails for Suffolk Building Society House Deposit Savings Account
| 3.25% | £1,000 a month |
| 58 | Beverley Building Society Monthly Savings Accountthen 2.70% after 1 yearDetails for Beverley Building Society Monthly Savings Account
| 3.20% | £10 |
| 59 | Bath Building Society The Regular SaverDetails for Bath Building Society The Regular Saver
| 3.10% | £1 |
| 60 | Hanley Economic Building Society Home Deposit Saver (TAR06)Details for Hanley Economic Building Society Home Deposit Saver (TAR06)
| 2.75% | £500 a month |
| 61 | Progressive Building Society Clockwork Regular Saver (Issue 2)Details for Progressive Building Society Clockwork Regular Saver (Issue 2)
| 2.50% | £1 |
| 62 | Progressive Building Society Clockwork Regular ISA Saver (Issue 2)Details for Progressive Building Society Clockwork Regular ISA Saver (Issue 2)
| 2.50% | £1 |
| 63 | Progressive Building Society Online Regular Saver Account (Issue 2)Sole name; one per personDetails for Progressive Building Society Online Regular Saver Account (Issue 2)
| 2.50% | £1,000 a month |
| 64 | West Bromwich Building Society Access Regular SaverDetails for West Bromwich Building Society Access Regular Saver
| 2.10% | £2,000 a month |
| 65 | Hanley Economic Building Society Cash ISA Regular Saver (ISAC2)Details for Hanley Economic Building Society Cash ISA Regular Saver (ISAC2)
| 1.65% | £20 |
| 66 | Hanley Economic Building Society Branch Regular SaverDetails for Hanley Economic Building Society Branch Regular Saver
| 1.20% | £1 |