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3 Year Fixed

Provider Rate Min/Max Deposit Opening Account Accessing Account Interest Options SG Verdict
 HL Active Savings - Chase
4.55% £1,000 / £1m

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid on maturity
  • annually or compounded

This product is provided by Investe on Active Savings, which is a savings platform, provided by investment giant Hargreaves Lansdown, which offers savers access to a range of products from its partner banks and building societies.

New savers to the platform who sign up by 30th November get cashback of up to £100:

Savers depositing £10,000 - £19,999 get £20.  £20,000 - £29,999 get £30.  £30,0000 - £49,999 get £40. £50,000 - £79,999 get £50 and £80,000 or more get £100

 Zenith Raisin
4.75% £1,000 / £85,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Annually
  • Added to the account

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

Atom Bank
4.65% £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

BLME
4.50% £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

Cynergy
4.70% £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

Family Building Society
4.60% £1,000 / £250,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Monthly
  • Paid Annually
  • Paid Away
  • Paid annually on 30th June

A lower rate of 1.05% is available for balances between £1,000 - £10,000.

Family is part of National Counties Building Society, the 11th largest Society in the UK, looking after over £2bn of savings.

Gatehouse Bank
4.75% £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.  

Melton Building Society
4.75% £10,000 / £500,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Away or Compounded
  • Paid Monthly
  • Paid Annually

This bond has a fixed maturity of 23rd April 2025.

The Melton is the 23rd largest building society in the UK and looks after £439m of savings

Nationwide
4.75% £1 / £5m

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid on Anniversary
  • Paid Away or Compounded
  • Paid Annually

First ever appearance in our 2 Year tables for Nationwide, who are the largest building society in the UK and one of the top seven savings providers in the UK by value of deposits managed

RCI Bank
4.50% £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

Secure Trust Bank
4.60% £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

Tandem Bank
4.60% £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.

TSB
4.50% £1 / £1m

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid on Anniversary
  • Paid Away or Compounded
  • Paid Monthly
  • Paid Annually

TSB is owned is part of the Spanish banking group Sabadell and looks after £35.9bn of savings

Union Bank of India
4.65% £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.

United Trust Bank
4.55% £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

Zopa Bank
4.70% £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

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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