Bank Account Savings: Open up multiple accounts to maximise your savings

Getting a good rate of return on your savings is more difficult than ever.

To help we've built a calculator to show you how to take advantage of high-interest current accounts and regular savings accounts to maximise your returns.

Enter the amount you have to save, plus the accounts you're interested in and we'll pull together a saving plan.

How much money do you have to put in savings?

£

Are there two people willing to open accounts?
(so that you can use joint accounts where appropriate)

Now pick which types of accounts you wish to use

High-interest Current Accounts

	Interest	Max accounts	Min - Max Amount	Monthly Pay-in	Fee	Direct Debits
Bank of Scotland	Open	1.5%	3	£0 - £5,000	£1,000	£0	2
Club Lloyds	Open	1.5%	1 (+ 1 joint)	£1,000 - £5,000	£1,500	£0	2
Nationwide FlexDirect	Open	5%	1 (+ 1 joint)	£0 - £2,500	£1,000	£0	0
Santander 123	Open	1.5%	1 (+ 1 joint)	£3,000 - £20,000	£500	£5	2
Tesco Bank	Open	3%	2	£0 - £3,000	£750	£0	3
TSB Classic Plus	Open	5%	1 (+ 1 joint)	£0 - £1,500	£500	£0	0

Regular Savers

	Interest	Min - Max Monthly Pay-in
Bank of Scotland Regular SaverRequires a Bank of Scotland Current Account	Open	2.5%	£25 - £250
Club Lloyds Regular SaverRequires a Club Lloyds Account (with �1,500 monthly pay-in and 2 direct debits)	Open	3%	£25 - £400
First Direct Regular SaverRequires a First Direct 1st Account	Open	5%	£25 - £300
HSBC Regular SaverRequires a HSBC Advance Account (with �1,750 monthly pay-in)	Open	5%	£21 - £250
Leeds BS Regular Saver	Open	2.3%	£50 - £250
M&S BankRequires a M&S Bank Account (2 direct debits + you must use its switching service)	Open	5%	£25 - £300
Nationwide Flexclusive Regular SaverRequires a Nationwide Flexdirect Account (with �1,000 monthly pay-in)	Open	5%	£25 - £250
Santander Regular eSaverRequires a Santander Bank Account	Open	3%	£25 - £200
TSB Monthly SaverRequires a TSB Current Account	Open	2%	£25 - £250
Virgin Money Regular e-Saver	Open	2.25%	£25 - £250

Peer to Peer Accounts

		Interest	Min - Max Amount	Max Amount You'd Like To Invest
Funding Circle Classic Conservative	Open	4.9%	£1,000 - £1,000,000	£
RateSetter Everyday Rolling	Open	3.6%	£1,000 - £1,000,000	£
Zopa Core	Open	4.5%	£2,000 - £1,000,000	£