Gardeners Are More Likely to Be Savers – and Could Reap £5 Billion
As autumn planting season begins, new research from Raisin UK shows that Britain’s gardeners are not only nurturing their flowerbeds but also their finances.
The nationally representative poll of 2,000 adults found that:
- Nearly half of gardeners (46%) prefer to grow plants from seed – a patient approach mirrored in their savings behaviour.
- Gardeners are more likely than non-gardeners to hold savings accounts, proving they are natural nurturers of both gardens and money.
- Over-55s, the UK’s most dedicated gardeners, stand out: 39% prefer to grow from seed and are three times more likely than under-25s to spend days researching the best savings deals before moving money.
Patience pays – in the garden and in the bank.
There are an estimated 27 million gardeners in the UK – around 40% of the population (Garden Centre Magazine / HTA). With average UK savings balances at £11,000 per person (UK Finance, 2024), and the average easy-access rate at 2.68% versus market best-buys around 4.42% (Moneyfacts, Sept 2025), the opportunity is huge.
- Extra per saver per year: £191
- Collectively across 27 million gardeners: £5.1 billion in extra interest
All from simply applying the same patience gardeners show in autumn planting to their savings.
“Gardeners know that the effort you put in during autumn is rewarded in spring. The same is true for savings: if you move your money to a better account now, you could reap the benefits in just a few months,” said Kevin Mountford, Co-founder of Raisin.
“Our research shows that gardeners – particularly over-55s – already have the right mindset: patient, disciplined, and long-term. If more people treated their money like their gardens, Britain could be billions better off.”
What’s available right now
For savers looking to act this autumn, Raisin UK is currently offering a competitive 6-month fixed term deposit from Al Rayan Bank at 4.42% AER. On the average UK savings balance of £10,000, this would deliver just over £220 in interest in six months.
Unlike many easy access offers, this account has no tiered rates, teaser periods or restrictive conditions – making it a straightforward way to put the “plant now, reap in spring” approach into practice.
Raisin UK is also running a £100 welcome bonus for new customers opening a 12-month or longer fixed rate bond with a minimum £10,000 deposit, until midnight on 30 September.
Find out more at www.raisin.co.uk
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