Savings account that I can't access for 9 months.

[BeesAndBirds]

I have a big bill coming up in June 2024. I would like to put money aside for it, but I find it hard not to dip into these savings at times.

Is there a savings account that will let you lock the money away until a set date? I know you can get fixed savings accounts, but I want something that I can dictate the term that money is locked away for.

You might want to look into Bonds, not sure if they do as short term as 9 months though.

Not the same but how about Premium bonds, not as easy to dip into as a normal savings account.

Yup, Atom are doing a 9 month fix. www.atombank.co.uk/fixed-saver/

I want to be able to move money over to it every month. So stick £200 in this month, maybe £400 next month etc. I don't have the savings sitting in a lump at the moment. I need to build them between now and June.

I'd go with Zopa, it's app based and in my experience pretty decent.

Look at fixed term savings accounts lock it in for 12 months etc.
Principality building society do some online

I don't think there is a savings product where you can fix the term yourself, @BeesAndBirds (and typically you do only get to put money in at the beginning, as the bank wants to know how much interest it's going to have to pay you at the end).

Do you want to lock the money away for 9 months, or until June 2024? I originally read that as June 2023 and thought 'that's less than 9 months' but actually you want 19 months?

What about a notice savings account instead, so you have to give, say 60 days' notice to access the money? That way although theoretically you could access it before June 2024, in reality it would be such a pain in the arse you probably wouldn't bother. Have a look at MoneySavingExpert.

What about an account that you can't spend online and have to physically draw money put if you want it. Get the card and leave it at home in a draw or something? I have one and I put £10 a week in. I can only draw it out no spending online ect

Santander do term bonds. But minimum is a year.

could you put the funds in premium bonds?

www.santander.co.uk/personal/savings-and-investments/savings/fixed-term-bonds

I think a notice account is what I need actually. Basically I want the money locked away until summer 2023. I don't really mind the interest rate, I just want to not be able to dip into it, and to build it up gradually.

If you put money in Zopa 95 days notice account you can leave it in there until it's needed.

What about a regular saver. There are a few that are close to 5% now and you drip feed the money in monthly for a year.

Agree - take a look at Zopa. I've got money in their open access account and then other pots in the longer notice options - 7 days, 31 and 95. All very easy on an app.