3 Year Fixed | The Savings Guru

3 Year Fixed

Provider	Rate	Min/Max Deposit	Opening Account	Accessing Account	Interest Options	SG Verdict
Apply Now	1.75%	£1,000 / £85,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Annually Added to the account	This product from Turkey's largest private bank, isbank, is only available on the Raisin platform. It currently comes with a £50 bonus for new customers depositing £10,000 or more You can find out more about Raisin here
Apply Now	1.85%	£1,000 / £85,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid On Maturity	QIB (UK) Plc are a Sharia bank and their products are only available via the Raisin UK platform. It currently comes with a £50 bonus for new customers depositing £10,000 or more You can find out more about Raisin here
Apply Now	1.82%	£2,000 / £85,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid On Maturity	United Bank Limited UK (UBL) was formed in 2001 from the merger of two Pakistani banks and has branches in Ilford, Bradford, Birmingham, Glasgow Manchester and London. This product is available via the Raisin platform and currently comes with a £50 bonus for new customers depositing £10,000 or more. You can find out more about Raisin here
Apply Now	1.82%	£1,000 / £85,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Annually Added to the account	This product from Zenith Bank, the 6th largest in Africa, is only available on the Raisin platform. It currently comes with a £50 bonus for new customers depositing £10,000 or more. You can find out more about Raisin here
Charter Savings Bank	1.70%	£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
Gatehouse Bank	1.78%	£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.
Hodge Bank	1.70%	£1,000 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	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.
Secure Trust Bank	1.70%	£1,000 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Annually Paid 31st December	Birmingham based Secure Trust Bank look after over £2bn of deposits. Their products tend not to be able for long so move quickly if this rate appeals. Find out more about them here
Z SmartSaveBank	1.87%	£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
Z UBL	1.82%	£2,000 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Monthly Paid Annually	United Bank UK was formed in 2001 from the merger of two Pakistani banks. It has branches in Ilford, Bradford, Birmingham, Glasgow Manchester and London
United Trust Bank	1.87%	£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
Zenith Bank	1.78%	£2,000 / £2,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Annually Paid Compounded	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
A Zopa Bank	1.70%	£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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