Funding the top 3 regular savers (~£750/month) earns about £355 a year at rates up to 8% — parking the waiting cash at LemFi (5% easy access) adds more. Recomputed daily; last verified 21 Oct 2026.
The cumulative columns show the ladder: fund the top account first, then keep adding the next rung. Interest is what you'd actually earn drip-feeding the monthly maximum — roughly half the headline rate on your total deposits, because the balance builds over the year.
| # | Account | Rate | Max/mo | Interest/yr |
|---|---|---|---|---|
| 1 | Santander | 8% | £200 | ~£104 |
| 2 | First Directneeds their current account | 7% | £300 | ~£137 |
| 3 | Co-op Bank | 7% | £250 | ~£114 |
| 4 | Chase | 6.50% | £300 | ~£127 |
| 5 | Nationwide | 6.50% | £200 | ~£85 |
| 6 | Lloydsneeds their current account | 6.25% | £250 | ~£102 |
| 7 | Royal Bank of Scotlandneeds their current account | 5.25% | £150 | ~£51 |
| 8 | HSBCneeds their current account | 5% | £250 | ~£81 |
| 9 | Halifaxneeds their current account | 5% | £250 | ~£81 |
5 of the 9 savers above only open to holders of the provider's current account. Building the full ladder means opening those accounts first — which is slower than it sounds, and often pays for itself if you arrive via a switch bonus. Rates and account rules change; check the provider's terms before opening.
Regular savers pay the highest rates in retail banking but cap deposits at a few hundred pounds a month each. One account can only shelter a fraction of most people's savings; a ladder of them gets top rates on much more. The waiting cash isn't idle either — it earns 5% at LemFi while it drips in. This page re-ranks daily as accounts launch, change and close.
Tell us which banks you already hold and how much cash you can move — we'll size the ladder to you, switch bonuses included.
Who do you already bank with?
Cash you could move around (savings, premium bonds, old accounts)
£2,191 this year
£1,875 switch bonuses + £202 saver interest + £114 easy-access interest
This plan needs 3 active Direct Debits
Barclays asks for the most, at 3. The same Direct Debits move with you to each account, so 3 live at once covers the whole year — and NatWest Premier and HSBC Premier need none at all.
Deadline reminders included. Or just browse the offers.