3 Year Fixed

Provider	Rate	Min/Max Deposit	Opening Account	Accessing Account	Interest Options	SG Verdict
b Afin Bank	4.86%	£1,000 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Annually	Afin Bank is a UK-based challenger bank and specialist lender backed by WAICA Reinsurance Corporation. It focuses on providing mortgages and savings solutions to underserved communities, particularly the African diaspora, foreign nationals on visas, high-net-worth individuals, and self-employed professionals facing challenges with mainstream lenders
Apply Now	5.16%	£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	5.17%	£1,000 / No maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Compounded	Wrexham based Chetwood Bank got its banking licence at the end of 2018 following a £40m investment from Elliott Advisors. Find out more about them here
Find out more	4.97%	£1,000 / No maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Annually Added to the account	This product is provided by Chetwood 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	4.94%	£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, offering savers access to a range of products from its partner banks and building societies.
Find out more	5.02%	£1,000 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on maturity annually or compounded	This product is provided by Investec 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.
g Atom Bank	5.10%	£50 / £100,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Monthly Paid Annually	Durham based Atom Bank has attracted over £3.2bn of savings since its launch in April 2016. Savers can only access Atom’s products via their mobile app You can find out more about them here
y Charter Savings Bank	4.95%	£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 Close Brothers	5.18%	£10,000 / £2,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Annually Paid Away	Close Bank have been trading since 1878, are a FTSE 250 listed company and look after over £6.4bn of savings You can find out more about them here
GB Bank	5.10%	£1,000 / £100,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Monthly Paid Annually	GB Bank allow a generous 21 days to fund their fixed rate bonds. GB Bank was awarded a banking licence (with restrictions) in October 2021 and launched savings on 23rd November 2022. It is based in Middlesborough and intends to get Britain building by supporting regional SME property developers with development financing.
Hodge Bank	4.93%	£1,000 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Monthly Paid Annually	Hodge bank is based in South Wales and was authorised in 1987. It looks after just under £1bn of deposits.
Ikano Bank	4.95%	£1,000 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded	Ikano Bank is owned by the Kamprad family who founded Ikea. You can find out more about them here
Z Investec	5.12%	£5,000 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Annually Paid Away	A highly competitive rate from Investec, which we don't expect to last long so move quickly if this appeals
JN Bank	5.18%	£1,000 / £500,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Annually Added to the account	ThisBank were formerly known as JN Bank, who were the first Carribean bank to be authorised in the UK and launched on 8th October 2020.
b Kent Reliance	4.96%	£1,000 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Monthly Paid Annually Monthly interest paid on the last working day of the month Annual interest paid on 5th April	Kent Reliance is part of One Savings Bank, a FTSE 250 listed company, and has 9 branches in Kent and the South East One Savings Bank has recently completed its merger with Charter Court Financial Services (which includes Charter Savings Bank) and now looks after combined savings balances of £16.6bn
Market Harborough	5.10%	£5,000 / £500,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Annually Paid 30th June	This product has a fixed matuirty date of 30th September 2029 Market Harborough is the 25th largest building society in the UK and looks after £395m of savings.
Oxbury Bank	4.88%	£1,000 / £500,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Annually Paid Compounded	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 You can find out more about them here
Tandem Bank	5.00%	£1,000 / £2,500,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Annually Paid Away	Tandem Bank 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	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.
Vanquis Bank	5.16%	£1,000 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Monthly Paid Annually	Vanquis Bank is part of the Provident Financial Group, which was founded in 2002 and looks after £1.68bn of deposits. You can find out more about Vanquis in our banking directory here

3 Year Fixed

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