3 Year Fixed
| Provider | Rate | Min/Max Deposit | Opening Account | Accessing Account | Interest Options | SG Verdict |
|---|---|---|---|---|---|---|
|
4.86% | £1,000 / £250,000 | Branch | Branch |
| Afin Bank is a UK-based challenger bank and specialist lender backed by WAICA Reinsurance Corporation. It focuses on providing mortgages and savings solutions to underserved communities, particularly the African diaspora, foreign nationals on visas, high-net-worth individuals, and self-employed professionals facing challenges with mainstream lenders |
|
4.70% | £1,000 / £1,000,000 | Branch | Branch |
| Peterborough based Aldermore launched in 2009 and look after over £13.1bn of deposits. You can find out more about them here |
|
4.92% | £1,000 / No maximum | Branch | Branch |
| Wrexham based Chetwood Bank got its banking licence at the end of 2018 following a £40m investment from Elliott Advisors. Find out more about them here |
|
4.72% | £1,000 / No maximum | Branch | Branch |
| This product is provided by Chetwood Bank 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. |
|
4.80% | £1,000 / £1m | Branch | Branch |
| This product is provided by Close Brothers on Active Savings, which is a savings platform provided by investment giant Hargreaves Lansdown, offering savers access to a range of products from its partner banks and building societies. |
|
4.82% | £1,000 / £1m | Branch | Branch |
| This product is provided by Investec 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. |
|
4.70% | £1,000 / £85,000 | Branch | Branch |
| This product is only available via the Raisin UK savings platform. You can find out more about Raisin here |
|
4.70% | £50 / £100,000 | Branch | Branch |
| Durham based Atom Bank has attracted over £3.2bn 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 |
|
4.87% | £5,000 / £250,000 | Branch | Branch |
| Birmingham Bank was previously known as Bira Bank, which was bought by businessman Lee Bushell in January 2020 and rebranded as Birmingham Bank. He sold his interest in April 2023 to Better, the digital home ownership platform The Bank has only just over £10m of savings in total so don't expect these rates to last long. |
|
4.83% | £5,000 / £1,000,000 | Branch | Branch |
|
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 |
|
4.96% | £10,000 / £2,000,000 | Branch | Branch |
|
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 |
|
5.02% | £1,000 / £100,000 | Branch | Branch |
| GB Bank allow a generous 21 days to fund their fixed rate bonds. GB Bank was awarded a banking licence (with restrictions) in October 2021 and launched savings on 23rd November 2022. It is based in Middlesborough and intends to get Britain building by supporting regional SME property developers with development financing. |
|
4.83% | £1,000 / £1,000,000 | Branch | Branch |
| Hodge bank is based in South Wales and was authorised in 1987. It looks after just under £1bn of deposits. |
|
5.00% | £5,000 / £250,000 | Branch | Branch |
| A highly competitive rate from Investec, which we don't expect to last long so move quickly if this appeals |
|
4.90% | £1,000 / £1,000,000 | Branch | Branch |
| Kent Reliance is part of One Savings Bank, a FTSE 250 listed company, and has 9 branches in Kent and the South East
One Savings Bank has recently completed its merger with Charter Court Financial Services (which includes Charter Savings Bank) and now looks after combined savings balances of £16.6bn |
|
4.83% | £500 / £1m | Branch | Branch |
| NS&I's Guaranteed Income and Guaranteed Growth Bonds both pay the same rate |
|
4.88% | £1,000 / £500,000 | Branch | Branch |
| Oxbury is a specialist agricultural bank, focused on lending to UK farms. It got its banking licence in 2020 and launched savings accounts in February 2021. Savers will need a smartphone to download the Oxbury Banking App as part of the security measures to access their online account You can find out more about them here |
|
4.70% | £1,000 / £1,000,000 | Branch | Branch |
| 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 |
|
4.70% | £1,000 / £2,500,000 | Branch | Branch |
| Tandem Bank acquired Harrods Bank in January 2018. |
|
4.85% | £2,000 / £5,000,000 | Branch | Branch |
| 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. |
|
4.87% | £1,000 / £250,000 | Branch | Branch |
| Vanquis Bank is part of the Provident Financial Group, which was founded in 2002 and looks after £1.68bn of deposits. You can find out more about Vanquis in our banking directory here |