Regular Saver - Locked In for a year?

Dharma_Bunny

I have a Halifax Regular Saver but want at least one more. I use it like a Christmas savings club scenario so I want it locked in. Is there one?

masonic

There is a long list here, most allow access, but some are more restricted (See "Penalty free withdrawals" line):

https://forums.moneysavingexpert.com/discussion/6652858/the-top-regular-savers-discussion-thread

Kim_13

https://forums.moneysavingexpert.com/discussion/6688299/regular-saver-locked-in-for-a-year

Hinckley and Rugby BS (branch or post but accessible online after that, 6%) and First Direct (requires current account, 7%) are the highest payers that are locked in I believe.

clairec666

First Direct could be good for you because your money is effectively locked in for the year, but you can close and withdraw in an emergency. You get a much lower interest rate if you close the account early, so there's a massive incentive not to withdraw.