4 Year Fixed | The Savings Guru

4 Year Fixed

Provider	Rate	Min/Max Deposit	Opening Account	Accessing Account	Interest Options	SG Verdict
blme	1.45%	£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.
Hodge Bank	1.10%	£1,000 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Monthly Paid Annually Annual interest paid 31st March	Hodge bank is based in South Wales and was authorised in 1987. It looks after just under £1bn of deposits.
A Ikano Bank	1.18%	£1,000 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Anniversary Paid Away or Compounded	Ikano Bank is owned by the Kamprad family who founded Ikea. Ikano tend to be more competitive for longer term fixed rate bonds. Deposits are protected by the Swedish Deposit Insurance Scheme up to £85,000.
Leeds Building Society	0.75%	£100 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Monthly interest paid on the last working day of the month Annual interest paid on 5th April	This account has a fixed maturity date of 2nd June 2024. Leeds is the 5th largest building society in the UK and looks after £14.5bn of savings.
OakNorth Bank	0.96%	£1,000 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Annually Paid On Maturity	OakNorth launched in 2015 and offers debt and property finance to UK small and medium size enterprises. OakNorth change their rates frequently so move quickly if this rate appeals
Apply Now	1.35%	£1,000 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Anniversary Paid Compounded	First entry in 2019 for RCI Bank. RCI Bank is a UK licensed bank but is part of French car giant Renault and has been in the UK savings market since 2015. It looks after around £3bn of UK savers deposits
Sainsbury Bank	0.75%	£5,000 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Anniversary Paid Annually Paid Away	Sainsbury’s Bank opened in 1999 and was the first supermarket bank to open in the UK.
Union Bank of India	1.25%	£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
Vanquis Bank	0.80%	£1,000 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Anniversary Paid Away or Compounded Paid Monthly Paid Annually	Vanquis Bank is part of the Provident Financial Group, which was founded in 2002.

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