2 Year Fixed
Provider | Rate | Min/Max Deposit | Opening Account | Accessing Account | Interest Options | SG Verdict |
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0.78% | £50 / £100,000 | Branch | Branch |
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Durham based Atom Bank has attracted over 20,000 customers and £1.5bn of savings since its launch in April 2016. Savers can only access Atom’s products via their mobile app |
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0.80% | £1,000 / £1,000,000 | Branch | Branch |
| This account pays expected profit, rather than interest, to meet Sharia law requirements. |
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0.71% | £5,000 / £1,000,000 | Branch | Branch |
| 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 |
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0.76% | £1,000 / £85,000 | Branch | Branch |
| The best rate in the market but DF is a small bank and won't need huge inflows. Given this, we don't expect this rate to last long so move quickly if it appeals! DF Capital are a specialist commercial bank, based in the UK, lending to Small & Medium sized Enterprises (SMEs) in the UK. They were authorised as a bank in September 2020. DF Capital don't have internet banking yet so this account is operated and accessed via a secure email messaging service. |
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0.70% | £500 / £2,000,000 | Branch | Branch |
| Essex based Ford Money launched in April 2017 and look after approximately £2bn of deposits. |
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0.70% | £1,000 / £250,000 | Branch | Branch |
| London based Hampshire Trust Bank launched in 1977 but was acquired by a new management team in 2014. HTB look after around approximately £700m of deposits While Hampshire Trust normally allow account opening by post, this has been suspended in the wake of the Covid-19 outbreak |
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0.70% | £1,000 / £500,000 | Branch | Branch |
| Oxbury is a specialist agricultural bank, focused on lending to UK farms. It got its banking licence in 2020 and launched savings accounts in February 2021. Savers will need a smartphone to download the Oxbury Banking App as part of the security measures to access their online account |
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0.70% | £1,000 / £100,000 | Branch | Branch |
| Birmingham based Paragon launched in 2014 and now look after over £7.8bn of savings |
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0.76% | £1,000 / £2,000,000 | Branch | Branch |
| Competitive rate from Essex based Shawbrook, who launched in 2011 and look after over £7.5bn of deposits |
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0.70% | £2,000 / £1,000,000 | Branch | Branch |
| First ever appearance in our 2 year tables for United Bank UK, which was formed in 2001 from the merger of two Pakistani banks. It has branches in Ilford, Bradford, Birmingham, Glasgow Manchester and London |
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0.75% | £5,000 / £1,000,000 | Branch | Branch |
| London based specialist lender United Trust has a single branch in Moorgate and allows 14 days to fund the account. |
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0.70% | £2,000 / £2,000,000 | Branch | Branch |
| Zenith Bank UK is a subsidiary of Zenith Bank Plc, one of Nigeria’s leading banks. Savers should note that, while this account can be opened online, it can only be managed by post |
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0.79% | £1,000 / £250,000 | Branch | Branch |
| Zopa started life as a peer to peer lending business in 2005 but became a licensed bank in 2019 and launched their first savings accounts in August 2020. |