Highest Yielding Savings Accounts – Earn a Maximum of 7.5% Interest Rate
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As of August 13, 2025, the top regular savings accounts in the UK offer interest rates ranging from around 6% to 7.5% Annual Equivalent Rate (AER), with key features varying by provider. Here are the current leading regular savings accounts and their key features:
| Provider | Interest Rate (AER) | Monthly Deposit Limit | Withdrawal Access | Eligibility/Notes | |------------------------------|---------------------|----------------------|-----------------------------|-------------------------------------------------------------------| | Principality Building Society Regular Saver | 7.5% | Up to £200 | No withdrawals for 6 months | Fixed 6-month term, no early withdrawal penalty, max £1,200 total, no opening restrictions[2][4] | | Zopa Regular Saver | 7.1% | Up to £300 | No early withdrawals | Requires holding Biscuit current account, no other eligibility restrictions[2][4] | | The Co-operative Bank Regular Saver | 7% | Up to £250 | Withdrawals allowed | Only available to Co-operative current account holders[3][4] | | First Direct Regular Saver | 7% | Up to £300 | No withdrawals; early closure results in lower interest (1.75%) | Must hold a First Direct current account[3][4][5] | | Monmouthshire Building Society Regular Saver | 6% | £300 (approximate) | Restriction details vary | Open to all, no opening restrictions, longer-term option than Principality[4] |
Regular savings accounts typically require fixed monthly deposits up to a specified limit (usually between £200-£300). Access to withdrawals is often restricted during the fixed term; some allow early closure with penalties on interest. Many top rates come with opening restrictions, such as needing a current account with the savings provider or membership requirements[4].
Principality Building Society stands out as the highest rate (7.5% AER) without opening restrictions but with a fixed 6-month term[2]. Zopa offers an attractive 7.1% AER but requires holding its Biscuit current account[2][4]. First Direct and The Co-operative Bank offer 7% AER for existing customers only with varying withdrawal restrictions[3][4]. The Monmouthshire Building Society Regular Saver is a good open-to-all alternative offering 6% AER, suitable for longer saving periods[4].
The cost-of-living crisis and shifting interest rates are creating opportunities for savings account growth. Several top savings accounts have increased rates, with some exceeding 7%. If you want more flexibility (such as instant access), rates tend to be lower around 4.8% to 5% AER with other types of savings accounts[1].
When choosing, consider your ability to commit to monthly deposits, withdrawal needs, and account eligibility. The Co-operative Bank's regular saver account has no minimum monthly deposit, and you can open the account with just £1. For more information, consult independent UK financial reviews such as Moneyfacts [1][2][3][4].
Investing in personal-finance by contributing to a top regular savings account in the UK could yield high returns, with interest rates reaching up to 7.5% AER from providers like Principality Building Society. Saving regularly, while adhering to monthly deposit limits and account eligibility requirements, can help build wealth over time.
