Offers Savers and cashback
Savers and cashback
What some banks give their own customers for saving or spending with them. These aren’t switching offers, and Pocketly never counts them in a plan.
Not counted in a plan
For the bank’s own customers. Pocketly never counts these in a plan: they depend on what you keep saving or spending, month after month. Each figure is what it pays by its own terms over a year or its shorter bonus: the most for a regular saver, every £1,000 for an easy-access one. Savers are listed by rate. Read Thu 5 Nov, the day the Bank of England raised its rate: variable rates may move.
Regular and linked savers
Santander Regular Saver8.00% AER variable, saving up to £200 a month£104interest in a year
- Rate
- “Save up to £200 a month from a Santander current account and get 8.00% AER/gross (variable), which includes a 5.00% AER/gross (variable) bonus for the first 12 months”
- Afterwards
- “After 12 months you’ll earn interest at the rate without the bonus, currently 3.00% AER/gross (variable)”
- Who can have it
- “You can only have one Regular Saver at a time, plus you must hold a Santander current account.”
From Santander’s page, read Thu 5 Nov.
Co-operative Bank Regular Saver7.00% AER variable, saving up to £250 a month£113interest in a year
- Rate
- “Earn 7.00% interest, calculated daily (gross / AER variable)”
- Paying in
- “Open with as little as £1, and save up to a maximum of £250 per calendar month”
- Who can have it
- “Have a personal Co-operative Bank current account (smile accounts are not eligible)”
From Co-operative Bank’s page, read Thu 5 Nov.
first direct Regular Saver7.00% AER fixed for 12 months, saving up to £300 a month£136interest in a year
- Rate
- “7.00% AER/Gross p.a. fixed for 12 months”
- Paying in
- “save between £25 and £300 a month, up to £3,600 per year”
- Who can have it
- “available to first direct 1st Account customers via our App and Online Banking · You need to keep your 1st Account open for the 12 months you have your Regular Saver.”
From first direct’s page, read Thu 5 Nov.
Chase Regular Saver6.50% AER fixed for 12 months, saving up to £300 a month£126interest in a year
- Rate
- “6.5% AER (6.31% gross) fixed for 12 months. Calculated daily, paid monthly.”
- Paying in
- “Up to £300 a month.”
- Who can have it
- “Chase current account required - eligibility applies.”
From Chase’s page, read Thu 5 Nov.
Nationwide Flex Regular Saver6.50% AER variable, saving up to £200 a month£84interest in a year
- Rate
- “6.50% AER/gross a year (variable)”
- Paying in
- “You can save up to £200 a month for a year.”
- Withdrawals
- “If you withdraw money more than 3 times over the year, your interest rate will decrease to 1.05% AER/gross a year (variable) for the rest of the year.”
- Who can have it
- “just for existing current account customers”
From Nationwide’s page, read Thu 5 Nov.
Santander Edge Saver6.00% AER variable, on up to £4,000£60in a year on every £1,000
- Rate
- “6.00% AER / 5.84% gross (variable) interest on balances up to £4,000 (includes 2.50% AER / 2.47% gross (variable) bonus rate for the first 12 months from opening)”
- Above the limit
- “No interest is paid on balances above £4,000.”
- Who can have it
- “You must be 18 or over, live in the UK and have a Santander Edge or Santander Edge Explorer current account.”
From Santander’s page, read Thu 5 Nov.
NatWest Digital Regular Saver5.25% AER variable, saving up to £150 a month£51interest in a year
- Rate
- “Earn 5.25% AER / 5.13% Gross p.a. (variable) on your first £5,000 and 1.00% AER / 1.00% Gross p.a. (variable) on any amount over £5,000 in your account.”
- Paying in
- “a standing order does need to be set up from your NatWest current account to add between £1 and £150 each calendar month into the account”
- Who can have it
- “You must be a UK resident, aged 16 years or over and a NatWest current account holder.”
From NatWest’s page, read Thu 5 Nov.
RBS Digital Regular Saver5.25% AER variable, saving up to £150 a month£51interest in a year
- Rate
- “Earn 5.25% AER / 5.13% Gross p.a. (variable) on your first £5,000 and 1.00% AER / 1.00% Gross p.a. (variable) on any amount over £5,000 in your account.”
- Paying in
- “you'll need to set up a standing order from your Royal Bank of Scotland current account of between £1 and £150 each calendar month”
- Who can have it
- “A UK resident, aged 16 years or over and a Royal Bank of Scotland current account holder.”
From RBS’s page, read Thu 5 Nov.
HSBC UK Regular Saver5.00% AER fixed for 12 months, saving up to £250 a month£81interest in a year
- Rate
- “a fixed interest rate of 5.00% AER / gross for 12 months, provided that you don't make a withdrawal”
- Paying in
- “The minimum monthly deposit is £25 per month · The maximum monthly deposit is £250 per month · Regular deposits must be made by standing order each month”
- Who can have it
- “Have an HSBC current account (excluding an Appointee / Executor Account) which you must maintain for the duration of the fixed term”
From HSBC UK’s page, read Thu 5 Nov.
TSB Monthly Saver5.00% AER fixed for 12 months, saving up to £250 a month£81interest in a year
- Rate
- “Save £25 to £250 each month by standing order and get 5.00% AER (fixed) interest for 1 year.”
- Who can have it
- “You'll need a TSB current account account to apply”
From TSB’s page, read Thu 5 Nov.
Chase Saver with a boosted rate4.50% AER variable, on up to £1,000,000£45in a year on every £1,000
- Rate
- “You'll earn 4.5% AER variable, which includes a fixed, 12‑month boost of 2.25% AER on top of our standard saver variable rate.”
- Limit
- “Up to £1m. 1 boosted saver account per customer.”
- Ending
- “Offer may be withdrawn at any time.”
- Who can have it
- “Available to new customers for your first 31 days.”
From Chase’s page, read Thu 5 Nov.
Cumberland Building Society Regular Saver4.25% AER variable, saving up to £250 a month£69interest in a year
- Rate
- “4.25% Variable Gross Interest*/AER†”
- Paying in
- “You can deposit a maximum of £250 each month.”
- Who can have it
- “This account is available to open for Cumberland Plus current account customers only and can be opened at any Cumberland branch.”
From Cumberland Building Society’s page, read Thu 5 Nov.
Starling Easy Saver4.00% AER variable, on up to £25,000£20in 6 months on every £1,000
- Rate
- “Earn 4.00% AER (3.92% gross) variable* interest on balances up to £25k. Includes a fixed bonus of 1.25% AER for your first 6 months.”
- Bonus
- “Introductory bonus rate available only for new personal and joint Easy Saver accounts.”
- Who can have it
- “Starling personal current account or joint account required.”
From Starling’s page, read Thu 5 Nov.
Barclays Rainy Day Saver3.96% AER variable, on up to £5,000£39in a year on every £1,000
- Rate
- “3.96% / 3.89% On the first £5,000 of your balance · 0.70% / 0.70% On amounts over £5,000”
- Blue Rewards
- “pay the £5 monthly fee. We’ll take this from your nominated current account on the second working day of the month.”
- Who can have it
- “To open this account, you need to be a Barclays Blue Rewards member or a Premier Banking customer, 18 years old or over and a UK resident.”
From Barclays’s page, read Thu 5 Nov.
first direct Bonus Savings Account3.35% AER variable, on up to £50,000£33in a year on every £1,000
- Rate
- “earn a bonus rate of 3.35% AER (3.30% gross) on balances up to £50,000 every month you don't make a withdrawal”
- Who can have it
- “you just need to be a UK resident and hold a first direct 1st Account”
From first direct’s page, read Thu 5 Nov.
HSBC UK Online Bonus Saver3.35% AER variable, on up to £50,000£33in a year on every £1,000
- Rate
- “a bonus rate of 3.35% AER / 3.30% gross on balances up to £50,000”
- Who can have it
- “Aged 16 years or over · Hold an HSBC current or savings account”
From HSBC UK’s page, read Thu 5 Nov.
Barclays Blue Rewards Saver2.51% AER variable£25in a year on every £1,000
- Rate
- “2.51% / 2.48% In months you don’t make withdrawals · 0.60% / 0.60% In months you do make withdrawals”
- Blue Rewards
- “pay the £5 monthly fee. We’ll take this from your nominated current account on the second working day of the month.”
- Who can have it
- “you need to be a Barclays Blue Rewards member or a Premier Banking customer”
- Good to know
- In months with a withdrawal it pays 0.60%.
From Barclays’s page, read Thu 5 Nov.
Virgin Money M Plus Saver1.75% AER variable, on up to £25,000£17in a year on every £1,000
- Rate
- “up to and including £25,000 1.74 [gross] 1.75 [AER] · over £25,000 1.24 1.25”
- Who can have it
- “You may only open an M Plus Saver if you have an M Plus Account with us in the same name(s).”
From Virgin Money’s page and its terms (SHA-256 8e0f2d008a06…), read Thu 5 Nov.
Cashback and rewards
Chase 2% cashbackUp to £20 a month, no monthly fee£240cashback in a year
- Cashback
- “You will earn 2% cashback on GBP sterling debit card and credit card payments made in the UK and the Channel Islands”
- Cap
- “Cashback earnings will be capped at £20 a month i.e. on up to £1000 of spending.”
- New customers
- “When you first join Chase you’ll be given a grace period for the rest of your first calendar month and the following calendar month.”
- Who can have it
- “Make at least 15 payments using your Chase debit card or your Chase credit card or by direct debit … and have a combined balance of £1,000 or more across all your Chase saver accounts each day for the entire calendar month.”
From Chase’s page, read Thu 5 Nov.
Nationwide FlexDirect Cashback OfferUp to £10 a month, no monthly fee£120cashback in a year
- Cashback
- “Earn £5.00 cashback each month, when you hit at least £500 of qualifying spend made using your FlexDirect debit card. · Earn £5.00 cashback each month, when you hit at least £300 of qualifying Direct Debit spend made from your FlexDirect account.”
- Paying in
- “You need to pay at least £1,500 each month into your FlexDirect account.”
- How long
- “you will receive cashback on your qualifying spend for 12 months from the month you open your FlexDirect account.”
- Who can have it
- “You must have opened a FlexDirect account on or after 9 September 2026. · You won’t get this offer if you’ve had a FlexDirect account in the last 3 years”
From Nationwide’s page and its terms (SHA-256 74660d128ce4…), read Thu 5 Nov.
Santander Edge Up current accountUp to £15 a month; the account costs £5 a month£180cashback in a year, less £60 in fees
- Cashback
- “1% cashback (up to £15 a month) on selected household bills when you pay by Direct Debit”
- Who can have it
- “Pay a £5 monthly fee to maintain the account, pay in at least £1500 each month and have 2 active Direct Debits.”
From Santander’s page, read Thu 5 Nov.
Santander Edge current accountUp to £10 a month; the account costs £3 a month£120cashback in a year, less £36 in fees
- Cashback
- “1% cashback (up to £10 a month) on selected household bills when you pay by Direct Debit”
- Fee
- “We’ll start charging this fee after you meet the conditions for earning cashback for the first time.”
- Who can have it
- “Pay a £3 monthly fee to maintain the account, pay in at least £500 each month and have 2 active Direct Debits.”
From Santander’s page and its terms (SHA-256 712597e60202…), read Thu 5 Nov.
Danske Bank Danske RewardUp to £5 a month; the account costs £2 a month£60cashback in a year, less £24 in fees
- Reward
- “A £5 reward every month, with £2 monthly account fee”
- Conditions
- “paid in at least £1,000; completed at least 8 Debit Mastercard transactions (not including ATM transactions or credits to the account); received digital statements for this account”
- Who can have it
- “If you are new to Danske Bank you need to be a resident in Northern Ireland”
From Danske Bank’s page, read Thu 5 Nov.
Santander Edge Explorer current accountUp to £20 a month; the account costs £17 a month£240cashback in a year, less £204 in fees
- Cashback
- “This means you can earn up to a maximum of £20 cashback in any monthly period.”
- Fee
- “The fee for this account is £17 per month.”
- Who can have it
- “Cashback is a monthly reward we pay into your account if you meet the conditions for earning cashback.”
From Santander’s page and its terms (SHA-256 6c5ea1beb26d…), read Thu 5 Nov.
TSB Spend & SaveUp to £5 a month for 6 months, no monthly fee£30cashback in 6 months
- Cashback
- “you must make 20 or more payments using your debit card each calendar month to earn £5 cashback. You can earn cashback for the first six calendar months, which includes the month your Spend & Save account is opened.”
- Paid
- “Cashback will be paid to your account by the 20th of the next calendar month.”
- Who can have it
- “You are eligible for cashback if you open a new Spend & Save account or Spend & Save Plus account.”
From TSB’s page, read Thu 5 Nov.
NatWest Reward accountUp to £4 a month; the account costs £2 a month£48cashback in a year, less £24 in fees
- Rewards
- “Get £4 a month in Rewards for 2 or more Direct Debits of at least £2.”
- Fee
- “Monthly fee: For £2 a month, get rewarded for your everyday banking.”
- Paid
- “You can start exchanging Rewards once you’ve earned £5 or more.”
- Who can have it
- “will pay in £1,250 each calendar month to any eligible personal current account you have with us”
From NatWest’s page and its terms (SHA-256 c99776dc730a…), read Thu 5 Nov.
RBS Reward accountUp to £4 a month; the account costs £2 a month£48cashback in a year, less £24 in fees
- Rewards
- “Earn £4 a month back in Rewards for 2 or more Direct Debits (2 of those Direct Debits needs to be at least £2 each).”
- Fee
- “£2 monthly fee.”
- Who can have it
- “You need to also pay in £1,250 to an eligible Royal Bank account every month.”
From RBS’s page, read Thu 5 Nov.
TSB Spend & Save PlusUp to £5 a month; the account costs £3 a month£60cashback in a year, less £36 in fees
- Cashback
- “You will earn cashback until you close your account or we end the offer”
- Fee
- “For just £3 a month, you can use your card abroad with no fees from us and enjoy £5 cashback every month.”
- Who can have it
- “You are eligible for cashback if you open a new Spend & Save account or Spend & Save Plus account.”
From TSB’s page, read Thu 5 Nov.
Cashback at chosen retailers
No fixed rate: the retailers and amounts change every few weeks, so there is no figure to give.
Barclays Cashback Rewards (Blue Rewards)Offers at chosen retailers, changing oftenNo fixed figure
- Cashback
- “Earn cashback when you spend at selected retailers”
- How it works
- “pay in at least £800 to your nominated current account each month.”
From Barclays’s page, read Thu 5 Nov.
Monzo CashbackOffers at chosen retailers, changing oftenNo fixed figure
- Offers
- “Every offer has its own sweet spot around 2 to 10% cashback.”
- How it works
- “Pick your offers and tap to activate before you spend.”
From Monzo’s page, read Thu 5 Nov.
NatWest and RBS MyRewards retailer offersOffers at chosen retailers, changing oftenNo fixed figure
- Offers
- “Earn from 1% back at partner retailers. · Offers change every two weeks.”
- How it works
- “You can start exchanging Rewards once you’ve earned £5 or more.”
From NatWest and RBS’s page, read Thu 5 Nov.
Virgin Money Virgin Money CashbackOffers at chosen retailers, changing oftenNo fixed figure
- Offers
- “Use your card to spend with our selected retailers”
From Virgin Money’s page, read Thu 5 Nov.