Last checked: 27 September 2026
What is a regular saver?
A regular saver is designed for repeated deposits, often with a monthly minimum or maximum. Some accounts restrict withdrawals, require a linked current account or only run for a fixed term.
Compare the rules as well as the rate
Check how much you can deposit, whether missed months matter, access rules, what happens at maturity and whether the rate is fixed or variable. Because you build the balance gradually, you do not earn the headline rate on a full year's maximum deposits from day one.
Where it fits
A regular saver can suit a planned monthly goal. Emergency cash may be better kept somewhere accessible if the regular saver penalises or prevents withdrawals.
Build the habit automatically
Consider scheduling the transfer just after payday. Treating saving like a bill can make consistency easier, while the Savings Goal calculator can show the monthly amount needed for a target.