18 Month Fixed | The Savings Guru

18 Month Fixed

Provider	Rate	Min/Max Deposit	Opening Account	Accessing Account	Interest Options	SG Verdict
Al Rayan Bank	4.57%	£5,000 / No Maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Quarterly	This account pays expected profit, rather than interest, to meet Sharia law requirements. Those savers comfortable with this are likely to be attracted by the rate and variety of channels to open and manage their account
Apply Now	4.19%	£1,000 / £85,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid On Maturity	Founded in 1810, Brown Shipley is a UK authorised private bank with over 200 years of experience, and is regulated by both the PRA and FCA. It is headquartered in London with offices in seven other UK cities, offering fully integrated wealth planning, investment management and banking services. This product is only available via the Raisin UK savings platform. You can find out more about Raisin here
Apply Now	4.20%	£1,000 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Annually	London based Hampshire Trust Bank launched in 1977 but was acquired by a new management team in 2014 and now look after in excess of £1.63bn of deposits. You can read more about them here
Find out more	4.30%	£1,000 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on maturity annually or compounded	Active Savings is a savings platform, provided by investment giant Hargreaves Lansdown, which offers savers access to a range of products from its partner banks and building societies.
Find out more	4.00%	£1,000 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on maturity annually or compounded	This product is provided by Paragon Bank on Active Savings, which is a savings platform, provided by investment giant Hargreaves Lansdown, which offers savers access to a range of products from its partner banks and building societies.
Apply Now	4.00%	£1,000 / £85,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid On Maturity	This product is only available via the Raisin UK savings platform. You can find out more about Raisin here
Z BLME	4.10%	£1,000 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Annually Paid Away	This account pays expected profit, rather than interest, to meet Sharia law requirements. You can find out more about them here
Coventry Building Society	4.10%	£1 / No Maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Monthly Paid Annually Paid 31st December Monthly interest paid the last day of the month	Competitive rate from Coventry Building Society which is the 2^nd largest building society in the UK looking after £38.2bn of deposits This product has a fixed maturity of 30th April 2024
Gatehouse Bank	4.37%	£1,000 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Annually Paid On Maturity Paid Away	This account pays expected profit, rather than interest, to meet Sharia law requirements.
OakNorth	4.40%	£1,000 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Annually Paid On Maturity	OakNorth launched in 2015 and offers debt and property finance to UK small and medium size enterprises. OakNorth change their rates frequently so move quickly if this rate appeals You can find out more about them here
OakNorth	4.36%	£1,000 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Annually Paid On Maturity	This account is a 15 Month Fixed Term OakNorth launched in 2015 and offers debt and property finance to UK small and medium size enterprises. You can find out more about them here
Paragon Bank	4.00%	£1,000 / £100,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Monthly Paid Annually	Birmingham based Paragon launched in 2014 and now look after £9.3bn of savings. You can find out more about them in our banking directory here
Secure Trust Bank	4.15%	£1,000 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Annually Paid 31st December	Birmingham based Secure Trust Bank look after over £2bn of deposits. Their products tend not to be able for long so move quickly if this rate appeals. Find out more about them here
Tesco Bank	4.10%	£2,000 / £5,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Monthly Paid Annually Paid Away	Tesco Bank only accept one single lump sum to fund the account so this is only suitable for savers who can fund with the entire amount in one go.
Union Bank of India	4.05%	£1,000 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid On Maturity	Union Bank of India (UK), which is a subsidiary of Union Bank of India, one of the largest public sector banks in India. Although Union Bank does finally have an internet application, their UK website is very hard to navigate to find it and it is one of the most difficult applications to complete we've experienced.
Apply Now	4.35%	£5,000 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Annually	Competitively priced 15 month fixed rate bond from London based specialist lender United Trust, who launched in 1955 and look after £1.6bn of savings. Find out more about them here

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