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3 Year Fixed

Provider Rate Min/Max Deposit Opening Account Accessing Account Interest Options SG Verdict
 Ahli United Bank - Raisin
2.90% £1,000 / £85,000

Branch
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Branch
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  • Paid On Maturity

Ahli United Bank (UK) PLC is a UK incorporated bank headquartered in London. It was originally set up to meet the investment and banking needs of offshore investors and visitors from the Gulf.

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

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Branch
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  • 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
3.01% £1,000 / £85,000

Branch
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Branch
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  • 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
2.95% £5,000 / £1,000,000

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Branch
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  • 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
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Branch
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  • 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
3.11% £5,000 / £1,000,000

Branch
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Branch
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  • 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
2.95% £10,000 / £2,000,000

Branch
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Branch
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  • 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

Hodge Bank
2.92% £1,000 / £1,000,000

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Branch
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  • 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.    

Paragon Bank
3.00% £1,000 / £100,000

Branch
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Branch
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  • 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


Sainsburys Bank
2.91% £5,000 / £1m

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Branch
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  • Paid on Anniversary
  • Paid Annually
  • Paid Away

Sainsbury’s Bank opened in 1999 and was the first supermarket bank to open in the UK.

Shawbrook Bank
2.92% £1,000 / £2,000,000

Branch
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Branch
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  • 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

SmartSave
3.02% £10,000 / £85,000

Branch
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Branch
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  • 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
2.95% £1,000 / £2,500,000

Branch
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Branch
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  • Paid on Anniversary
  • Paid Annually
  • Paid Away

Tandem Bank acquired Harrods Bank in January 2018.

Tesco Bank
2.92% £2,000 / £5,000,000

Branch
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Branch
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  • 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.    

Zopa Bank
3.01% £1,000 / £250,000

Branch
App
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Branch
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  • 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

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.

Find out moreMeet the Team

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