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18 Month Fixed

Provider Rate Min/Max Deposit Opening Account Accessing Account Interest Options SG Verdict
 Brown Shipley - Raisin
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

 Gatehouse Bank - Raisin
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

 Hampshire Trust Bank
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

 Paragon - Raisin
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

A| United Trust Bank
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

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

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

Cynergy - 15 Months
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

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.

FCE Bank
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.

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 Bank
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 Bank - 15 months
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.

About The Savings Guru

We help savers get the best deal for their money by providing unique insight in to the savings market.  We help prospective banks apply for a banking licence and we help build customer services, products and marketing for them.  We also work with existing banks and building societies to improve their savings propositions.  This  insider view of savings means we are uniquely placed to help savers.

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