18 Month Fixed | The Savings Guru

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18 Month Fixed

Provider	Rate	Min/Max Deposit	Opening Account	Accessing Account	Interest Options	SG Verdict
Apply Now	4.75%	£1,000 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Monthly Paid Annually	Peterborough based Aldermore launched in 2009 and look after over £13.1bn of deposits. You can find out more about them here
Apply Now	4.74%	£1,000 / £85,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Annually Added to the account	This product is only available via the Raisin UK savings platform. You can find out more about Raisin here
Apply Now	4.90%	£1,000 / No maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Compounded	This is a 15 Month Fixed Term product. Wrexham based Chetwood Bank got its banking licence at the end of 2018 following a £40m investment from Elliott Advisors. Savers should note that Chetwood also offers bonds under the SmartSave brand, which is under the same banking licence, so FSCS protection is on the combined balance for any savings with both brands Find out more about them here
Apply Now	4.41%	£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	4.50%	£1,000 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on maturity annually or compounded	This product is provided by Aldermore 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.
Find out more	4.75%	£1,000 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on maturity annually or compounded	This product is provided by Close Brothers 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	4.43%	£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
g Charter Savings Bank	4.55%	£5,000 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Monthly Paid Annually	Wolverhampton based Charter Savings is part of Chartercourt Financial Services, which launched in 2015, and has recently merged with One Savings Bank, which has a combined £16.3bn of savings balances
z Cynergy	4.40%	£10,000 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Annually Added to the account	Cynergy was formerly known as Bank of Cyprus, which has operated in the UK since 1955, and looks after £1.76bn of savings
z Cynergy	4.40%	£10,000 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Annually Added to the account	This is a 15 Month Fixed Term Cynergy was formerly known as Bank of Cyprus, which has operated in the UK since 1955, and looks after £1.76bn of savings
Secure Trust Bank	4.40%	£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
Skipton Building Society	4.64%	£500 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Annually	Skipton is the 4th largest building society in the UK and looks after over £21bn of deposits.
g Tandem Bank	4.60%	£1,000 / £2,500,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Annually Paid Away	A competitive rate from Tandem Bank, who acquired Harrods Bank in January 2018.
Tesco Bank	4.85%	£2,000 / £5,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Monthly Paid Annually Paid Away	Glasgow based Tesco Bank look after £5.3bn of deposits
Union Bank of India	4.76%	£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.

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