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The account is available to Club Lloyds customers and unlimited withdrawals are permitted without penalty. The interest rate is fixed and will be paid on the anniversary of the account opening, and deposits between £25 and £400 must be invested before the 25th of every month.

NatWest’s Digital Regular Saver falls just behind with an AER of 5.12 percent.

The 5.12 percent interest rate is awarded to savings up to £1,000, after which a one percent and 0.5 percent will be awarded to figures from £1,001 to £5,000, and £5,001 and over, respectively.