Savings pots
Last updated: 22 Dec 2025
A Savings Pot account helps you set money aside for specific goals, whether it's a holiday, a new phone, a laptop, school supplies or any personal goal you want to reach. Instead of letting your savings blend into your everyday spending money, each pot gives your money a clear purpose.
Why savings pots matter
Different kinds of savings should be kept separate. Your holiday funds shouldn't mix with emergency money or long-term investments. When money has a specific purpose, you're less likely to spend it on impulse purchases.
Savings Pots also teach valuable financial principles: intentional saving, goal tracking, delayed gratification and financial organisation. These skills serve you well throughout life, helping you stay focused on multiple goals simultaneously without confusion.
How it works
Savings Pots are perfect for short-to-medium-term goals where you need your money accessible and growing steadily. Use them for anything from concert tickets and birthday gifts to a university laptop or first car down payment.
Flexible contributions
There's no fixed amount. Start with what feels manageable and adjust as needed. Only save money you won't need for essentials like rent, bills or emergencies.
Your timeline, your choice
Build a balance over time with small regular contributions, or deposit a larger amount to let it grow. Your strategy depends on your goals and timeline.
Fully liquid
Add or withdraw funds anytime. No lock-ins or penalties. Your money is available when you need it.
Key considerations
Where to invest - Put your Savings Pots in low-volatility Money Market funds designed to beat inflation while protecting your capital. Your savings work for you, steadily growing without the turbulence of riskier investments.
Goal tracking - Break down big goals into manageable steps and watch the progress add up. This makes large purchases feel achievable rather than overwhelming.
Avoid temptation - Keep Savings Pots separate from your everyday accounts. This physical separation reduces the temptation to dip into funds meant for specific goals.
Getting started
Identify 2-3 specific savings goals you want to work toward
Calculate how much you need for each goal and your timeline
Open a Savings Pot for each goal
Set up automatic monthly contributions based on your timeline
Review & maintenance
Review your Savings Pots quarterly. Adjust contribution amounts as goals get closer or your financial situation changes. Celebrate when you reach a goal, then redirect those contributions to your next priority.
A Savings Pot account helps you set money aside for specific goals, whether it's a holiday, a new phone, a laptop, school supplies or any personal goal you want to reach. Instead of letting your savings blend into your everyday spending money, each pot gives your money a clear purpose.
Why savings pots matter
Different kinds of savings should be kept separate. Your holiday funds shouldn't mix with emergency money or long-term investments. When money has a specific purpose, you're less likely to spend it on impulse purchases.
Savings Pots also teach valuable financial principles: intentional saving, goal tracking, delayed gratification and financial organisation. These skills serve you well throughout life, helping you stay focused on multiple goals simultaneously without confusion.
How it works
Savings Pots are perfect for short-to-medium-term goals where you need your money accessible and growing steadily. Use them for anything from concert tickets and birthday gifts to a university laptop or first car down payment.
Flexible contributions
There's no fixed amount. Start with what feels manageable and adjust as needed. Only save money you won't need for essentials like rent, bills or emergencies.
Your timeline, your choice
Build a balance over time with small regular contributions, or deposit a larger amount to let it grow. Your strategy depends on your goals and timeline.
Fully liquid
Add or withdraw funds anytime. No lock-ins or penalties. Your money is available when you need it.
Key considerations
Where to invest - Put your Savings Pots in low-volatility Money Market funds designed to beat inflation while protecting your capital. Your savings work for you, steadily growing without the turbulence of riskier investments.
Goal tracking - Break down big goals into manageable steps and watch the progress add up. This makes large purchases feel achievable rather than overwhelming.
Avoid temptation - Keep Savings Pots separate from your everyday accounts. This physical separation reduces the temptation to dip into funds meant for specific goals.
Getting started
Identify 2-3 specific savings goals you want to work toward
Calculate how much you need for each goal and your timeline
Open a Savings Pot for each goal
Set up automatic monthly contributions based on your timeline
Review & maintenance
Review your Savings Pots quarterly. Adjust contribution amounts as goals get closer or your financial situation changes. Celebrate when you reach a goal, then redirect those contributions to your next priority.
A Savings Pot account helps you set money aside for specific goals, whether it's a holiday, a new phone, a laptop, school supplies or any personal goal you want to reach. Instead of letting your savings blend into your everyday spending money, each pot gives your money a clear purpose.
Why savings pots matter
Different kinds of savings should be kept separate. Your holiday funds shouldn't mix with emergency money or long-term investments. When money has a specific purpose, you're less likely to spend it on impulse purchases.
Savings Pots also teach valuable financial principles: intentional saving, goal tracking, delayed gratification and financial organisation. These skills serve you well throughout life, helping you stay focused on multiple goals simultaneously without confusion.
How it works
Savings Pots are perfect for short-to-medium-term goals where you need your money accessible and growing steadily. Use them for anything from concert tickets and birthday gifts to a university laptop or first car down payment.
Flexible contributions
There's no fixed amount. Start with what feels manageable and adjust as needed. Only save money you won't need for essentials like rent, bills or emergencies.
Your timeline, your choice
Build a balance over time with small regular contributions, or deposit a larger amount to let it grow. Your strategy depends on your goals and timeline.
Fully liquid
Add or withdraw funds anytime. No lock-ins or penalties. Your money is available when you need it.
Key considerations
Where to invest - Put your Savings Pots in low-volatility Money Market funds designed to beat inflation while protecting your capital. Your savings work for you, steadily growing without the turbulence of riskier investments.
Goal tracking - Break down big goals into manageable steps and watch the progress add up. This makes large purchases feel achievable rather than overwhelming.
Avoid temptation - Keep Savings Pots separate from your everyday accounts. This physical separation reduces the temptation to dip into funds meant for specific goals.
Getting started
Identify 2-3 specific savings goals you want to work toward
Calculate how much you need for each goal and your timeline
Open a Savings Pot for each goal
Set up automatic monthly contributions based on your timeline
Review & maintenance
Review your Savings Pots quarterly. Adjust contribution amounts as goals get closer or your financial situation changes. Celebrate when you reach a goal, then redirect those contributions to your next priority.
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