4 Year Fixed | The Savings Guru

4 Year Fixed

Provider	Rate	Min/Max Deposit	Opening Account	Accessing Account	Interest Options	SG Verdict
Apply Now	1.45%	£1,000 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Monthly Paid Annually	Peterborough based Aldermore launched in 2009 and look after over £12.4bn of deposits. You can find out more about them here
Apply Now	1.50%	£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
Z blme	1.70%	£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
Z Gatehouse Bank	1.92%	£1,000 / £85,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Annually Paid Away	This account pays expected profit, rather than interest, to meet Sharia law requirements.
JN Bank	1.80%	£1,000 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Annually Added to the account	JN Bank are the first Carribean bank to be authorised in the UK and launched on 8th October 2020.
Oxbury Bank	1.70%	£1,000 / £500,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Annually Paid Compounded	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
Apply Now	1.60%	£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
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 Paid Away	United Bank UK, which was formed in 2001 from the merger of two Pakistani banks, has branches in Ilford, Bradford, Birmingham, Glasgow Manchester and London.
Union Bank of India	1.70%	£1,000 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid On Maturity	Union Bank of India (UK) is a subsidiary of Union Bank of India, one of the largest public sector banks in India
United Trust	1.70%	£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
A Zopa Bank	1.71%	£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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