4 Year Fixed | The Savings Guru

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4 Year Fixed

Provider	Rate	Min/Max Deposit	Opening Account	Accessing Account	Interest Options	SG Verdict
Apply Now	5.45%	£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 £13.1bn of deposits. You can find out more about them here
Apply Now	5.70%	£1,000 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Annually	London based Hampshire Trust Bank launched in 1977 but was acquired by a new management team in 2014 and now look after in excess of £1.63bn of deposits. You can read more about them here
Apply Now	4.50%	£1,000 / £85,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Annually Added to the account	This product is only available via the Raisin UK savings platform. You can find out more about Raisin here
Apply Now	3.75%	£2,000 / £85,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid On Maturity	United Bank Limited UK (UBL) was formed in 2001 from the merger of two Pakistani banks and has branches in Ilford, Bradford, Birmingham, Glasgow Manchester and London. This product is only available via the Raisin UK savings platform. You can find out more about Raisin here
x Apply Now	5.70%	£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
Z blme	5.50%	£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 Cynergy	5.75%	£10,000 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Annually Added to the account	Cynergy was formerly known as Bank of Cyprus, which has operated in the UK since 1955, and looks after £1.76bn of savings
Gatehouse Bank	5.50%	£1,000 / £1m	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	5.50%	£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	5.80%	£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.
OakNorth Bank	5.40%	£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
Apply Now	5.00%	£1,000 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Monthly Paid Annually	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	3.75%	£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.
UBL	3.75%	£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.
z Union Bank of India	5.00%	£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.
Zopa Bank	5.30%	£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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