In Lloyds TSB you get one of the best great interest rates (5.00% AER/Gross fixed for a year). It gives you total flexibility: save any amount from £25 to £250 each month by standing order (if you save £250 a month for a year you'll receive £65 interest (net)). Only Alliance and Leicester gives more interest (6% when you take out a selected protection product), however, no withdrawals are allowed, and it has no flexibility in changing the amount per month. You want more? You get instant access to your money with no penalties!! Bank of Scotland's regular saver (4% AER/GROSS fixed rate) is not allowing withdrawals: if you decide to make a withdrawal, the money you've saved (plus any interest - which will be paid at current Halifax Web Saver - without cash card rate) will be transferred to a nominated Halifax/Bank of Scotland savings account. Lloyds TSB Monthly Saver offers the convenience of seeing your balance online and changing your standing order any time you like if you have Internet Banking. As if the previous were not enough, an extra reason for applying for this account (based on my personal experience yesterday): even though the first payment has been arranged to be on 1st of next month (and another 11 transactions thereafter on 1st of each month), I could deposit an extra amount from £25 to £250 on the account's opening day (so you save even more!!). The best regular saver that exists in the market!! Interest rate: 5.00% AER/Gross fixed for a year. The interest is paid on maturity.