Clockwatching savers are such creatures of habit that they log on to financial web sites at the same time to open accounts and transfer money.
If you think you are an individual choosing to look after your money in your own time, then think again.
One in five (20%) of savers pick a Tuesday to start an online savings account, according to a study BM Savings, a subsidiary of Lloyds TSB.
The next favourite time is a Wednesday for 18% of savers.
Surprisingly, savers in different regions live their lives by clockwork – with those in East Anglia preferring to log in on a Wednesday (21%), while those in the South West and Yorkshire and the Humber have more trouble make their minds up and log in on Wednesday and Tuesday equally (19% each).
Around one in 10 savers (9%) like to open online savings accounts between 3pm and 4pm.
However, those in the East Midlands, North and Wales are early birds preferring to open accounts between 10am and 11am. Londoners squeeze their online saving between lunch and the school run by logging on between 2pm and 3pm.
Savers in the South West prefer to open accounts between noon and 1pm.
Once the account is open, just about everyone but the Scots moves their cash around at lunchtime – with between noon and 1pm on a Monday ahead of the rest of the week (19%).
The Scots are obviously busier than everyone else during the day and opt to manage their cash in the evenings between 7pm and 8pm.
John Bianco, head of BM Savings, said: “It is encouraging to see that the nation has not only got into regular, established savings habits, but also that these take place at set times during the week.
“With online savings accounts, savings activities can truly become part of our everyday lifestyle
