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the help to save scheme gives low-income earners claiming universal credit or working tax credit a savings boost it pays a 50 bonus on the amount saved up to a maximum of 1 200 pounds over four years in this video ill explain how that account works help to save is a type of savings account specially designed for low paid workers on the face of it its pretty simple you can save between one pound and fifty pounds per month but you dont have to save every month at the end of two and four years youll pay the fifty percent bonus up to a maximum of one thousand two hundred pounds its easy access so you can make withdrawals if you need to hmm a 50 bonus it sounds great but whats the catch though the bonus has a couple of strange twists heres how it works after two years youll get the first 50 bonus paid into your bank account once thats been paid you can then decide to stop saving or you can keep saving into it for another two years again you can save between one pound and 50 pound