Ranked by rate alone. No paid placements: who pays us has no say in the order.
Read from each bank's own website, 3 November 2026. Accounts open to new customers.
Regular savers
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
Regular savers, ranked by AER, highest first. Top 5 shown
Rank#
Account
AER
Monthly limit
1
Santander Regular SaverUp to £200 a monththen 3.00% after 1 yearNeeds the bank's current accountDetails for Santander Regular Saver
Access
Withdraw at any time, but only to your Santander current account. After 12 months the bonus ends and the account carries on at 3.00% AER.
Bonus
Includes a 5.00% bonus for 1 year, then 3.00%
Conditions
Must hold a Santander current account (new customers can open one first, then apply). UK resident aged 16+, sole name. One Regular Saver at a time. Includes a 5.00% bonus for 12 months; then 3.00% AER variable.
Interest paid
Once a year
Manage by
Mobile app, Online, Branch, Phone
FSCS licence
Santander UK plc
Deposit-taker
Santander, a trading name of Santander UK plc
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 106054)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £15.1bn at 31 December 2025 (annual report 2025)
Access your money online, by app, phone or in branch.
Conditions
You must already have a Co-operative Bank current account before you apply. Up to £250 per calendar month; one Regular Saver of the same issue at a time.
Interest paid
Once a year
Manage by
Online, Mobile app, Phone, Branch
FSCS licence
The Co-operative Bank p.l.c.
Deposit-taker
The Co-operative Bank, a trading name of The Co-operative Bank p.l.c.
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 121885)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £1,270m at 31 December 2024 (latest published accounts).
Unlimited withdrawals to your nominated account (one online withdrawal per day); the account cannot be closed early after the 14-day cooling-off period.
Conditions
UK resident aged 18+, sole name. Open to new customers and existing members; online only.
Interest paid
When the term ends
Manage by
Online
FSCS licence
Progressive Building Society
Deposit-taker
Progressive Building Society
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 161841)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Total assets of £2,279.6m and total liabilities of £2,105.7m at 31 December 2025 (annual report 2025)
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.
