Go paper-free
Amend paper-free preferences for your statements and communications.
Building an emergency fund
Be prepared for life’s surprises when you build an emergency fund.
Where to keep your emergency fund
Think about where to keep your emergency savings. You’ll want an account that suits your needs. Easy access accounts let you access your money whenever you need it. If you prefer a higher interest rate with less access, fixed accounts can help your savings grow. Just remember, you won’t be able to dip in without charges.
We offer a range of savings accounts, with minimum deposits starting from as little as £1 and easy access to your money when you need it.
Smarter ways to save with your account
Your account has useful features, and there are also a few simple things you can do yourself to help make saving easier.
Rename your account
Naming your savings account ‘Emergency Fund’ or ‘Emergencies’ can help keep it just for the unexpected. It may also make you pause before using it for day‑to‑day spending.
Check your spending
Take a look at your spending insights to see where your money’s going and where you might be able to cut back. You can also use the subscription manager to spot any services you’re paying for but not really using. Any money you save could go straight into your emergency fund.
Turn on spend notifications
Spend notifications can help you keep track of your money day to day, so you’re more aware of what you’re spending and can make informed choices.
Saving and budgeting tips
Try the 50/30/20 rule
Split your income into needs, wants and savings. It’s a simple way to structure your monthly budget.
Use our savings calculator
Work out how much you’ll need to save each month to reach an amount that feels right as a backup.
Stay flexible
Our tools can help you see what’s realistic for you. Save as regularly as you can, but don’t worry if it varies – higher spend months, like the start of the school term or holidays, are normal.
Topping up your savings
Even small amounts can make a big difference over time – and we’ve got plenty of easy ways to help you grow your savings.
Save little and often
Replace your morning coffee by saving the amount instead - £3 a day can add up to £270 in 3 months.
Round up as you spend
With Save the Change®, every time you use your debit card, we’ll round up your purchase to the nearest pound and move the difference into your savings.
Automate your saving
A standing order just after payday means your savings leave your account like any other bill - simple and stress-free.
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