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3 Year Fixed

Provider Rate Min/Max Deposit Opening Account Accessing Account Interest Options SG Verdict
 Aldermore
3.15% £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

 Gatehouse Bank - Raisin
3.15% £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 £25 sign up bonus for Savings Guru customers.  You can find out more about Raisin, and how to claim the sign up bonus here

 PCF Bank
3.10% £1,000 / £85,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid on Anniversary
  • Paid Annually
  • Paid On Maturity
  • Paid Away

PCF Bank launched in 2017 and look after £291m of deposits.

You can find out more about them here

 QIB - Raisin
3.20% £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 £25 sign up bonus for Savings Guru customers.  You can find out more about Raisin, and how to claim the sign up bonus here

 United Trust Bank
3.25% £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

BLME
3.05% £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

Charter Savings Bank
3.17% £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

Close Brothers
3.15% £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

Cynergy
3.15% £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

FCE Bank
3.05% £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 launched in April 2017 and look after approximately £2bn of deposits.

Gatehouse Bank
3.15% £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.  

OakNorth Bank
3.23% £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

Paragon Bank
3.10% £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


Shawbrook Bank
3.22% £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

Tandem Bank
3.10% £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
3.05% £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.    

Union Bank of India
3.30% £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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