Imagine boosting your money with rates as high as 6.5% AER. In 2025, high interest regular savings accounts from major UK banks are emerging as a smart choice for savvy savers. With falling base rates, these accounts help you grow your funds faster while building disciplined saving habits.
Why High Interest Regular Savings Accounts Matter
In a market where base rates have dipped to 4%, banks like Nationwide and Lloyds are stepping up. Their high interest regular savings accounts let you deposit fixed amounts monthly, rewarding you with top-tier interest while encouraging consistent savings growth.
Nationwide’s High Interest Regular Savings Account
Nationwide’s Flex Regular Saver leads the pack with a 6.5% AER for 12 months. You can deposit up to £200 per month meaning £2,400 over a year. If you save the maximum, you could earn about £84.50 in interest.
Eligibility and Key Details:
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Must hold a Nationwide current account
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Age 16+ and UK resident
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Open with as little as £1 online
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Interest paid annually on account anniversary
You can make up to three withdrawals without losing the top rate. Exceed that, and the rate drops to 1.25% AER. After 12 months, your funds transfer to an instant access account, with Nationwide notifying you of the new rate.
More details: Nationwide Savings Accounts
Lloyds’ High Interest Regular Savings Account
Lloyds Bank’s Club Lloyds Monthly Saver offers a 6.25% AER fixed for 12 months. With a minimum deposit of £25 and a maximum of £400 per month (up to £4,800 annually), this account could earn you around £150 in interest if you max it out.
Eligibility and Key Details:
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Must have a Club Lloyds current account
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Age 18+ and UK resident
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Can’t have opened the same account in the past year
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Withdrawals allowed anytime without penalties
This flexibility makes Lloyds’ high interest regular savings account ideal for those who might need occasional access to their funds.
Learn more: Lloyds Bank Savings Options
Comparing Other High Interest Regular Savings Accounts
While Nationwide and Lloyds focus on loyal customers, other banks also offer compelling rates:
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Principality Building Society – 7.5% AER for 6 months, £200/month limit
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Zopa – 7.1% AER for 12 months, £300/month limit, no withdrawal fees
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First Direct – 7% AER for 12 months, £300/month, no withdrawals until maturity
Each high interest regular savings account suits different saving goals short-term savers may prefer Principality, while Zopa and First Direct are better for year-long commitments.
Benefits of High Rate Regular Savings Accounts
Opening a high interest regular savings account offers several benefits:
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Encourages consistent saving habits
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Secures better returns than many instant-access accounts
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Protects rates for fixed terms against base rate drops
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Builds savings steadily without overwhelming monthly contributions
For example, saving £200/month at 6.5% AER yields more than most low-interest accounts, especially when compounded over a year.
Things to Consider Before Opening
While the appeal is strong, high interest regular savings accounts are not for everyone:
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Withdrawal limits may reduce earnings
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Some require linked current accounts
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Maximum monthly deposits cap potential returns
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Fixed terms mean limited flexibility
Reading the fine print is essential to avoid losing interest benefits.
How to Get Started
To open a high interest regular savings account, apply directly through your bank’s website. The process is usually quick and online:
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Nationwide: Apply via the Flex Regular Saver page
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Lloyds: Set up through the Club Lloyds Monthly Saver portal
Other banks like Principality and Zopa operate fully online, making account setup even easier.
Choosing the Right Interest Regular Savings Account
The best high interest regular savings account for you depends on:
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Your monthly deposit capability
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Need for withdrawal flexibility
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Length of commitment you’re comfortable with
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Existing relationships with banks
If you want to save more each month, Lloyds offers a higher maximum deposit. If you prefer a smaller start, Nationwide’s £1 opening balance is appealing.
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Final Thoughts on Interest Regular Savings Accounts
With 2025 shaping up as a competitive year for savers, interest regular savings accounts are a powerful tool to protect and grow your money. Rates like 6.5% and 6.25% AER from Nationwide and Lloyds outshine many standard options, especially with falling base rates.
Lock in a rate now to safeguard your returns, compare terms carefully, and choose the account that aligns with your financial goals. Whether you’re building a rainy-day fund or planning for a big purchase, these accounts can help your savings thrive.
