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That’s the difference between:

  • The highest balance saved in the first two years (years one and two)
  • The highest balance saved in the last two years (years three and four).

Should the highest balance not increase in this time, then the saver will not earn a final bonus, gov.uk explains.

The website also explains that as there is the £50 limit per calendar month, £2,400 can be saved into the Help to Save over the course of four years.

This means that the most a person can earn from savings in four years is £1,200 in bonus money.

Savers shouldn’t expect to see the money paid into their Help to Save account, as it is instead paid into their bank account.

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