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4 Year Fixed

Provider	Rate	Min/Max Deposit	Opening Account	Accessing Account	Interest Options	SG Verdict
Apply Now	3.20%	£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 £13.1bn of deposits. You can find out more about them here
Apply Now	2.52%	£1,000 / £85,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid On Maturity	This product is only available via the Raisin UK platform but comes with a £25 sign up bonus for Savings Guru customers. You can find out more about Raisin, and how to claim the sign up bonus here
Apply Now	3.30%	£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
Z blme	3.10%	£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	3.16%	£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.
Ikano Bank	2.95%	£1,000 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded	Ikano Bank is owned by the Kamprad family who founded Ikea. You can find out more about them here
JN Bank	3.11%	£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	2.40%	£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 30th September 2026 and deposits can be made up until 30th September 2022. Leeds is the 5th largest building society in the UK and looks after £14.5bn of savings.
OakNorth Bank	3.25%	£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 You can find out more about them here
Oxbury Bank	2.65%	£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	2.78%	£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
Sainsbury Bank	2.37%	£5,000 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on 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	3.35%	£1,000 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid On Maturity	Union Bank of India (UK), which is a subsidiary of Union Bank of India, one of the largest public sector banks in India. Although Union Bank does finally have an internet application, their UK website is very hard to navigate to find it and it is one of the most difficult applications to complete we've experienced.
Vanquis Bank	2.90%	£1,000 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Monthly Paid Annually	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
A Zopa Bank	3.05%	£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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