4 Year Fixed | The Savings Guru

4 Year Fixed

Provider	Rate	Min/Max Deposit	Opening Account	Accessing Account	Interest Options	SG Verdict
Aldermore Bank	0.95%	£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 £10bn of deposits. Aldermore were bought by South Africa's FirstRand in 2018.
blme	1.30%	£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	1.00%	£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	1.16%	£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.
JN Bank	1.25%	£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.
Leeds Building Society	0.85%	£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 5th January 2025 Leeds is the 5th largest building society in the UK and looks after £14.5bn of savings.
OakNorth Bank	0.98%	£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	1.00%	£1,000 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Anniversary Paid Compounded	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
Union Bank of India	0.95%	£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
Zopa Bank	1.00%	£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.

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