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	5.84%	£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	5.90%	£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
Apply Now	5.93%	£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
Apply Now	5.80%	£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
Apply Now	6.00%	£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
Z BLME	5.75%	£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
z Cynergy	5.92%	£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	5.91%	£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
z Family Building Society	5.85%	£10,000 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Annually	Additions can be made for up to 15 calendar days after account opening. Family is part of National Counties Building Society, the 11th largest Society in the UK, looking after over £2bn of savings.
Ford Money	6.05%	£500 / £2,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Monthly Paid Annually	Essex based Ford Money’s launched in April 2017. Their fixed rate bonds tend not to be available for long so move quickly if this rate appeals.
z Gatehouse Bank	5.90%	£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.
JN Bank	5.80%	£1,000 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Annually Added to the account	JN Bank are the first Carribean bank to be authorised in the UK and launched on 8th October 2020. This product is a 15 Month Fixed Term
OakNorth	5.85%	£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	6.00%	£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
Recognise Bank	5.70%	£1,000 / £85,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Monthly Paid Annually	We expect this product will only be available for a few days so move quickly if it appeals. Savers have 30 days to fund the account once opened. Recognise received its full banking licence in September 2021. You can find out more about them here
Union Bank of India	6.05%	£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.

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