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3 Year Fixed

Provider Rate Min/Max Deposit Opening Account Accessing Account Interest Options SG Verdict
 isbank Raisin
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

 QIB - Raisin
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

 UBL - Raisin
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

 Zenith Raisin
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

SmartSave
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

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

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

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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