How to maximise our wedding savings

OntheFence_

Hello!

We have just under 2 years until out wedding day and have circa £10,000 in savings but just say in the most basic of savings accounts.

We want to try to maximise whatever interest we can get out of it over the next two years but, on occasion may need to dip into it for wedding deposits etc. However, the main bulk will remain there until around September 2027.

Does anyone have any recommendations as to the best sorts of accounts? Would a cash ISA be best? One that doesn't lock us into a period of time?

Thanks in advance!

Emmia

Presumably you want the savings to be jointly held? An ISA is for individuals...

OntheFence_

Either or in fairness. We wouldn't be too concerned if the savings are held in name by only one of us but if there is something similar that could be jointly held then we'd love to know!

Emmia

OntheFence_ said:

Either or in fairness. We wouldn't be too concerned if the savings are held in name by only one of us but if there is something similar that could be jointly held then we'd love to know!

Just look at standard joint savings accounts - offered by your current bank(s) or other institutions.

Pollycat

Although your savings are specifically for your wedding, you may get more advice on the 'savings and Investments' board.
Savings & investments — MoneySavingExpert Forum

And take a look here:
Banking & Savings | MoneySavingExpert

UnsureAboutthis

It's simple.

You want the max interest or close to that.

Go for a cash Isa - fixed if you wish - look up the well known, well-established banks etc, this site has a list of them

so get a peace of mind with a well-known, well-settled company, as you are not getting married for two years,

Prosnally, I'd only go for a one year fix rate not two

Emmia

https://forums.moneysavingexpert.com/discussion/comment/82004226#Comment_82004226

The problem with an ISA is that they're for individuals, and can't be held jointly… so to be fair they should split the wedding savings pot and put it into ISAs in each of their names.

If they want an account in both names, an ISA isn't an option.

Pollycat

The OP posted this question in December 2025 and hasn't logged back onto MSE since.