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16-25 Regular Saver

It’s important to us to help young people in our local community to develop a savings habit. So we’re offering a 7.49% interest rate to anyone aged between 16-25 who lives, works or studies in Bath and can save between £10 and £50 a month. Find out more and apply online below.

Interest rate (AER)
£1 - £7,000
Min/Max amount
£1 - £7,000
Only 2 permitted withdrawals per calendar year.

Suitable for savers who:

  • live, work or study in Bath, or are an existing savings or mortgage customer who has held a Bath Building Society account for at least the last 12 months
  • are aged between 16 and 25 years old
  • want to start a savings habit
  • are prepared to save between £10-£50 each month
  • want to manage the account online, via the Mobile App, by phone or in our Branches

Not for savers who:

  • want to make more than two withdrawals a year
  • want to deposit a lump sum
  • want a fixed rate of interest

Is this the right product for you?

Please read the Key Product Information below before applying

  • What is the interest rate?
    • £1-£7,000 7.49% AER*.
    • We calculate the interest daily and pay it annually on 31st December. Interest can be added to your account or paid to your nominated account.
    • You cannot have more than £7,000 in your account.
    • *AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and compounded once each year. The gross rate is the interest rate payable before tax.
  • Can Bath Building Society change the interest rate?
    • The interest rate is variable, so it can go up or down at any time.
    • For more details about why we might change the rate, you should read your Welcome to your Bath Building Society Account brochure.
  • What would the estimated balance be after 12 months based on depositing £10 every month?


    • This would be the balance after 12 months if £10 was paid in every month, all interest was paid back into the account, there was no change to the interest rate and no money was taken out or paid in.
    • This is just an example to help you compare accounts. It does not take into account what you may do with the money in your account.
  • How do I open and manage my account?
    • You must live in the UK to open this account. You can open it with as little as £10.
    • You must pay between £10 and £50 into the account every month. If not, we will change your account to an Instant Access.
    • If you pay too much money into your account, we will let you know and return your payment. If you pay too much money into your account a second time, we will change your account to an Instant Access. You can find out more about the Instant Access account on our website.
    • You can open an account by clicking the ‘apply online’ button below or by visiting one of our Branches in Bath.
    • You can manage the accounts you hold with us through Bath Online, or by registering for the Mobile App.
    • Account holder identification will be required. This is usually obtained through our electronic identity verification service. However, if this proves inconclusive, here’s some popular ways to verify your ID.
  • Can I withdraw money?
    • This is an instant access account. You can take out money whenever you wish in a Branch, up to a maximum of £500 without telling us first. If you tell us first, you can withdraw up to £2,000 the next day.
    • You can withdraw money from this account twice a year. If you withdraw money again after that, we will change your account to an Instant Access. Find out more about the Instant Access account.
    • You can withdraw by cheque from our Branches. There is no limit to how much you can withdraw.
    • You can also ask us to make a faster payment to your nominated account. This can be done on Bath Online, through the Mobile App, or in a Branch. You can also send us a signed letter in the post, or an email from your nominated email address.
  • Additional information
    • You must show us that you live, work or study in Bath to open this account. If not, you must have been a mortgage or savings customer for at least the last 12 months.
    • You can only have one of these accounts.
    • We will write to you at least 14 days before your 26th birthday to let you know what accounts we have for you. If we do not hear from you, the account will become an Instant Access.
    • This account is protected by the Financial Services Compensation Scheme (FSCS). You should read your FSCS Information and Exclusions sheet for more information about how your money is protected.
    • This account is a savings account, not a payment account as outlined in the Payment Services Regulation 2017.
    • You should read your Welcome to your Bath Building Society Account brochure to fully understand how your account works.
    • We can close an account at any time if you act inappropriately, such as by using abusive language.

Important information before you apply

Before you apply please read our terms and conditions document and FSCS information sheet alongside the key product information above to understand how this account works.

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