You're not maximizing your savings (how i get 8% AER)

@airic.z

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SoundTikTok sound · original sound - airic.z

Promoted product

Santander Regular Saver

Why it worked

The video provides actionable advice on high-yield savings accounts, directly addressing a common financial concern for viewers. It breaks down complex information into simple steps with clear, visually supported details about specific products and their rates.

Summary

This video explains how to maximize savings by using high-interest accounts from Santander, Zopa, and Revolut, offering rates up to 8% AER. It advises keeping 3-6 months of living expenses in these accounts and investing the rest.

Structure

1Introduction to maximizing savings
2Explaining the problem with low interest rates
3Introducing Santander's 8% AER savings account
4Introducing Zopa's 7.1% AER savings account
5Introducing Revolut's 5% AER savings account

Original caption

My strategy on maximizing my returns on my savings from 8% to 5% AER. Let me know in the comments what accounts you are using to hold your savings 💷 #PersonalFinance #Budgeting #moneytips #financialliteracy Best high interest savings accounts July 2026 @ZopaMoney @Santander UK @Revolut

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Product placement

Santander: ACTS - Offers a savings account with 8% AER. Removing it would change the video's advice. Santander: APPEARS - Logo visible on a card. Removing it would not change what happens in the video. Monzo: APPEARS - Logo visible on a card. Removing it would not change what happens in the video. Lloyds: APPEARS - Logo visible on a card. Removing it would not change what happens in the video. Zopa: ACTS - Offers a savings account with 7.1% AER. Removing it would change the video's advice. Zopa: APPEARS - Logo visible on screen. Removing it would not change what happens in the video. Revolut: ACTS - Offers a savings account with 5% AER. Removing it would change the video's advice. Revolut: APPEARS - Logo visible on screen. Removing it would not change what happens in the video. FSCS Protected: ACTS - Indicates deposit protection up to £120,000. Removing it would change the understanding of the safety of the accounts. DJI: APPEARS - Logo on a lavalier microphone. Removing it would not change what happens in the video.

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On-screen text

You're not maximizing your savings (how i get 8% AER) YOUR BANK IS 2% INTEREST WHEN YOU COULD BE CAN FIX THAT IN 30 MINUTES ACCOUNTANT THE THREE BEST ACCOUNTS STARTING WITH THE THEN EXACTLY WHERE TO PUT THE REST SO YOU'RE CONSTANTLY YOU DON'T NEED WITH YOUR MONEY YOU GOT YOUR PHONE YOU CAN SET ALL THREE ACCOUNTS ARE PROTECTED BY FSCS PROTECTED UP TO £120,000 IS SAFE AND ACCESS TO IT 1. FIRST OPEN AN 1. Santander ACCOUNT WITH SANTANDER Santander Search Regular Saver IS CURRENTLY OFFERING 8% Get saving, get 8.00% AER/gross (variable) Save up to £200 a month from a Santander current account and get 8.00% AER/gross (variable), which includes a 5.00% AER/gross (variable) bonus for the first 12 months YOU CAN PUT PER MONTH AND BOOSTED RATE FOR 12 MONTHS 2. MORE THAN THAT TO STEP TWO AN ACCOUNT WITH ZOPA 2. Zopa ZOPA RIGHT NOW zopa ZOPA BANK Earn 7.1% AER on your regular savings Enjoy 7.1% AER* (variable) on regular savings - up to £300 a month HIGHLY rated for regular savings by MoneySavingExpert Named "one of the most competitive Regular Saver accounts" by Which? PUT UP TO £300 PER MONTH BOOSTED RATE IS ONLY FOR SIX MONTHS 3. HAVE MORE THAN THAT OPEN AN ACCOUNT 3. Revolut WITH REVOLUT Revolut 5% ON THEIR Instant Access Savings Get 5% AER on Savings It's time to kickstart your money growth. Open an Instant Access Savings between 5 June and 4 August to benefit from a boosted rate of 5% AER (variable). UP TO A £25,000 THIS BOOSTED RATE UNTIL DECEMBER Dec 4, 2026 How much cash to put ONLY KEEP 3 TO 6 MONTHS IN THESE ACCOUNTS 3-6 MONTHS EVERYTHING ELSE WOULD BE PUT INTO Investing Videos coming up! AND IF YOU'RE CURIOUS HOW TO INVEST FOLLOW FOR THAT VIDEO

Transcript

Your bank is paying you 2% interest when you could be earning 8%. I can fix that. I'm an accountant and I'll show you how to fix that in 30 minutes. I'll show you the three best accounts, starting with the best rate, then exactly where to put the rest so you're constantly earning. You don't need to be good with your money to do this. You've got your phone, you can set all three accounts up today. All three accounts are protected by the FSCS protected up to £120,000. So your money is safe and you have easy access to it. 1. First, open an account with Santander. Their savings account is currently offering 8% AER on your regular savings. You can put up to £200 per month and get the boosted rate for 12 months. 2. If you have more than that, then move to step two: open an account with Zopa. Zopa right now is offering 7.1% AER on your saving account. You can put up to £300 per month. Note that this boosted rate is only for six months. 3. And if you have more than that, then I would open an account with Revolut. Revolut is offering 5% on their instant access savings up to a £25,000. This boosted rate will only last until December 4, 2026. How much cash to put in these accounts? I would only keep 3 to 6 months of living expenses in these accounts. Everything else would be put into investments. And if you're curious how to invest, follow for that video.