Saving is harder when your money isn’t organised

The "bucket method" helps you divide your savings into different goals - making progress visible and success easier.

When all savings are kept together, it can be difficult to track progress or stay motivated. Structuring your savings into clear goals makes progress more visible and supports more consistent saving. The bucket method is a simple approach to savings management, helping you organise money by purpose and track progress more effectively.

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Money collected in one pot representing unstructured savings.

What is the bucket method?

The bucket method is a way of organising savings by separating money into different goals, rather than keeping everything in one account.

Imagine you have several savings goals:

Holiday
Emergency fund
Education
Gifts

For each goal, you create a separate “bucket” – a virtual savings account or target. This way, you always know how much you’ve saved for each purpose.

Your buckets earn 2.6% AER* vs the Market Average of 0.13% AER*. You can already see measurable progress in just 3 months!

MoCo makes the bucket method effortless

Saving with MoCo and the bucket method:

Create multiple savings goals and a separate account for each one
Daily interest payments on your total balance (2.1% AER)
Full flexibility: Deposit or withdraw funds anytime

How to get started with the bucket method:

Define your goals: What do you want to achieve? How much do you need?
Automate & Track: Set up standing orders and watch your progress.

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Why the bucket method works?

The bucket method helps turn savings goals into achievable targets while your money continues to earn interest in the background.

Your buckets are earning 2.6% AER* while you plan your next achievement.

Find out more about MoCo Savings

You have more Questions? Here you will find the FAQs

Bottom line: With the bucket method and a MoCo savings account, saving becomes organized, motivating, and easy. Start now – open your savings account.