3 Year Fixed | The Savings Guru

3 Year Fixed

Provider	Rate	Min/Max Deposit	Opening Account	Accessing Account	Interest Options	SG Verdict
Al Rayan Bank	0.90%	£5,000 / No Maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Quarterly	This account pays expected profit, rather than interest, to meet Sharia law requirements. Those savers comfortable with this are likely to be attracted by the variety of channels to open and manage their account
AAtom Bank	0.92%	£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
BLME Bank	0.90%	£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.
Cynergy	0.95%	£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
Gatehouse Bank	0.95%	£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	1.00%	£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.
Shawbrook Bank	0.96%	£1,000 / £2,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Annually	Competitive rate from Essex based Shawbrook Bank, who have been in the savings market since 2011 and look after over £6bn of deposits
United Trust Bank	0.90%	£5,000 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Annually	Competitive rate from London based specialist lender United Trust. Savers should note that, while this account can be opened online, it can only be managed by post or at UTB’s branch in Moorgate, London
Zenith Bank	0.88%	£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	1.01%	£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.

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