3 Year Fixed | The Savings Guru

3 Year Fixed

Provider	Rate	Min/Max Deposit	Opening Account	Accessing Account	Interest Options	SG Verdict
Apply Now	4.15%	£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 platform but comes with a £30 sign up bonus for Savings Guru customers. You can find out more about Raisin, and how to claim the sign up bonus here
Apply Now	4.10%	£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 platform but comes with a £30 sign up bonus for Savings Guru customers. You can find out more about Raisin, and how to claim the sign up bonus here
Apply Now	4.40%	£5,000 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Annually	London based specialist lender United Trust launched in 1955 and look after £1.6bn of savings Find out more about them here
Atom Bank	4.30%	£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 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 You can find out more about them here
Buckinghamshire Building Society	4.40%	£1,000 / £500,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Annually Paid 31st December	This product has a fixed maturity of 31st August 2025. Buckinghamshire is one of the smallest building societies with £234m of deposits
Z Cynergy	4.60%	£10,000 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Annually Paid Away	Cynergy was formerly known as Bank of Cyprus, which has operated in the UK since 1955, and looks after £1.76bn of savings
p Gatehouse Bank	4.15%	£1,000 / £85,000	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.
Market Harborough	4.10%	£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 31st October 2025. Market Harborough is the 25th largest building society in the UK and looks after £395m of savings.
Paragon Bank	4.12%	£1,000 / £100,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Monthly Paid Annually	Birmingham based Paragon launched in 2014 and now look after £9.3bn of savings. You can find out more about them in our banking directory here
Apply Now	4.30%	£1,000 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Compounded	Part of French car giant Renault, RCI are a UK licensed bank and covered by the Financial Services Compensation Scheme You can find out more about them here
Shawbrook Bank	4.20%	£1,000 / £2,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Annually	Essex based Shawbrook launched in 2011 and looks after £7.84bn of savings Find out more about them here
SmartSaveBank	4.61%	£10,000 / £85,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Annually Paid Compounded	Wrexham based Chetwood Financial got its banking licence at the end of 2018 following a £40m investment from Elliott Advisors. It lends its money to consumers via ‘dynamic loans’ which adapts the rate as consumer’s credit scores improve Find out more about them here
Tandem Bank	4.25%	£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.
Vanquis Bank	4.12%	£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
AZ Zopa Bank	4.30%	£1,000 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Monthly Paid Compounded	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. You can find out more about them here

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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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