Put to work properly, £25,000 earns about £2,575 over the next 12 months: £1,295 in switch bonuses + £345 in regular-saver interest + £935 in easy-access interest. The sequenced plan below is recomputed daily from live offers, last verified 20 Oct 2026.
Start now
From December 2026
From February 2027
From April 2027
From June 2027
From August 2027
£200/month for 12 months
£250/month for 12 months
£300/month for 12 months
£25,000 earning interest while it drip-feeds
These pay more but carry income or wealth requirements — slot one in first if you're eligible:
The sequence comes from every live UK offer: switch bonuses first (they pay the most and don't depend on the pot size), then the highest-rate regular savers your £25,000 can drip-feed, with the waiting cash parked in the best easy-access account. Cooling-off periods, banking-group conflicts and one-bonus-per-brand rules are all applied. It re-runs daily as offers launch, change and expire.
Planning with a different pot? £1,000 · £2,000 · £3,000 · £5,000 · £7,500 · £10,000 · £15,000 · £20,000 · £30,000 · £40,000 · £50,000
Tell us which banks you already hold — the plan recomputes around the bonuses you can still claim.
Who do you already bank with?
Cash you could move around (savings, premium bonds, old accounts)
£3,155 this year
£1,875 switch bonuses + £345 saver interest + £935 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.