Put to work properly, £40,000 earns about £3,465 over the next 12 months: £1,460 in switch bonuses + £65 in regular-saver interest + £1,940 in easy-access interest. The sequenced plan below is recomputed daily from live offers, last verified 4 Sept 2026.
Start now
Start now
Start now
Start now
Start now
From September 2027
From September 2027
£200/month for 12 months
£40,000 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 £40,000 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 · £25,000 · £30,000 · £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)
£3,570 this year
£1,565 switch bonuses + £65 saver interest + £1,940 easy-access interest
Deadline reminders included. Or just browse the offers.