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Savings accounts are a simply way of saving money towards whatever it is you need, and still have control over your money.
After looking at all of the regular savings accounts, we have chosen the top five accounts with the highest interest rates provided by banks and building societies. This means that your savings will be accumulating the most amount of cash as you continue to deposit your savings into the account.
| Top 5 Regular Savings accounts August 2011 | ||||
| Bank | Bank | AER | Bank | Links |
| HSBC Online Bonus Savings account | HSBC | 0.75% variable | Interest calculated daily, can transfer to other HSBC accounts | Info |
| Lloyds International Savings account | Lloyds | 2.0% | Includes bonus on top tier rate for first 12 months | Info |
| Teachers BS | Regular Saver | 4.0% | Includes 2.4% bonus for 12 months | Info |
| Buckinghamshire BS | Chiltern Golden Builder | 3.50% | Instant access. Minimum monthly £25 | Info |
| Mansfield BS | Regular Savings | 3.10% | Minimum monthly £25 | Info |
The interest rates in banks and building societies are constantly changing, so it is very important to check the small print of every account before making a decision. Money can be locked in for a 12 month term and as part of the agreement with your bank, you are expected to pay a fixed amount each month during this period. At the end of the year a fixed interest rate will be paid to your account.
You will be charged a fee to withdraw money from these accounts before the notice period is up. You will not be able to access this money during this period.
Make sure that this is the right product for you, there are also current accounts which offer better flexibility, or ISAs which offer greater returns.
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