Up to 1 Year Fixed

Provider Rate Min/Max Deposit Opening Account Accessing Account Interest Options SG Verdict
Allica Bank - 6 months
4.61% (6 Months) £10,000 / £250,000

Branch
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Internet
Post
Telephone

Branch
App
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Telephone

  • Paid Annually
  • Paid On Maturity

Allica are based in Milton Keynes and were awarded their banking licence in 2019 and launched in April 2020

You can find out more about them here

 Al Rayan Bank - Raisin
4.81% (9 Months) £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 savings platform. You can find out more about Raisin here

 Al Rayan Bank - Raisin - 6 months
4.66% (6 Months) £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 savings platform. You can find out more about Raisin here

 Byblos Raisin
4.56% (9 Months) £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

 Hampshire Trust Bank
4.83% (9 Months) £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

 HL Active Savings - Aldermore
4.68% (9 Months) £1,000 / £1m

Branch
App
Internet
Post
Telephone

Branch
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  • Paid on maturity
  • annually or compounded

This product is provided by Aldermore Bank on Active Savings, which is a savings platform, provided by investment giant Hargreaves Lansdown, which offers savers access to a range of products from its partner banks and building societies.

 HL Active Savings - BLME
4.65% (6 Months) £1,000 / £1m

Branch
App
Internet
Post
Telephone

Branch
App
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Post
Telephone

  • Paid on maturity
  • annually or compounded

This product is provided by BLME on Active Savings, which is a savings platform, provided by investment giant Hargreaves Lansdown, which offers savers access to a range of products from its partner banks and building societies.

 HL Active Savings - Charter Savings
4.70% (9 Months) £1,000 / £1m

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid on maturity
  • annually or compounded

Active Savings is a savings platform, provided by investment giant Hargreaves Lansdown, which offers savers access to a range of products from its partner banks and building societies.

 HL Active Savings - Kent Reliance - 6 months
4.55% (6 Months) £1,000 / £1m

Branch
App
Internet
Post
Telephone

Branch
App
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Post
Telephone

  • Paid on maturity
  • annually or compounded

This product is provided by Kent Reliance on Active Savings, which is a savings platform, provided by investment giant Hargreaves Lansdown, which offers savers access to a range of products from its partner banks and building societies.

 HL Active Savings - Kent Reliance - 9 months
4.65% (9 Months) £1,000 / £1m

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid on maturity
  • annually or compounded

This product is provided by Kent Reliance on Active Savings, which is a savings platform, provided by investment giant Hargreaves Lansdown, which offers savers access to a range of products from its partner banks and building societies.

 isbank Raisin
4.75% (9 Months) £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 savings platform. You can find out more about Raisin here

 Monument Bank
4.65% (6 Months) £25,000 / £400,000

Branch
App
Internet
Post
Telephone

Branch
App
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Post
Telephone

  • Paid on Anniversary
  • Paid Away or Compounded
  • Paid On Maturity

Monument Bank launched in December 2021 and plans to target mass affluent individuals via its mobile app.  Consequently, it has a much higher minimum balance requirement than other savings providers.

 National Bank of Egypt - Raisin - 9 months
4.78% (9 Months) £10,000 / £85,000

Branch
App
Internet
Post
Telephone

Branch
App
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Post
Telephone

  • Paid On Maturity

National Bank of Egypt UK was established in 1982 and offers a diverse range of products and services for its customers, including corporate banking, buy-to-let mortgages, retail banking, and trade finance.  It is a wholly-owned subsidiary of the National Bank of Egypt, Egypt’s oldest and largest bank.

This product is only available via the Raisin UK savings platform. You can find out more about Raisin here

 QIB - Raisin - 6 months
4.65% (6 Months) £1,000 / £85,000

Branch
App
Internet
Post
Telephone

Branch
App
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Post
Telephone

  • Paid On Maturity

This product is only available via the Raisin UK savings platform. You can find out more about Raisin here

 QIB - Raisin - 9 months
4.80% (9 Months) £1,000 / £85,000

Branch
App
Internet
Post
Telephone

Branch
App
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Post
Telephone

  • Paid On Maturity

This product is only available via the Raisin UK savings platform. You can find out more about Raisin here

Atom Bank - 9 months
4.85% (9 Months) £50 / £100,000

Branch
App
Internet
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Telephone

Branch
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  • Paid on Anniversary
  • Paid Away or Compounded
  • Paid Monthly
  • Paid Annually

This bond is for nine months

Durham based Atom Bank has attracted over £3.2bn of savings since its launch in April 2016.  Savers can only access Atom’s products via their mobile app

You can find out more about them here

DF Capital - new
4.80% (9 Months) £1,000 / £250,000

Branch
App
Internet
Post
Telephone

Branch
App
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Post
Telephone

  • Paid On Maturity

DF Capital are a specialist commercial bank, based in the UK, lending to Small & Medium sized Enterprises (SMEs) in the UK.  They were authorised as a bank in September 2020.

You can find out more about them here

OakNorth Bank - 9 months
4.84% (9 Months) £1,000 / £250,000

Branch
App
Internet
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Telephone

Branch
App
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Post
Telephone

  • Paid Annually
  • Paid On Maturity

This account is a 9 Month Fixed Term

OakNorth launched in 2015 and offers debt and property finance to UK small and medium size enterprises.

You can find out more about them here

Secure Trust Bank
4.85% (9 Months) £1,000 / £1,000,000

Branch
App
Internet
Post
Telephone

Branch
App
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Post
Telephone

  • Paid Away or Compounded
  • Paid Annually
  • Paid 31st December

Birmingham based Secure Trust Bank look after over £2bn of deposits.  Their products tend not to be able for long so move quickly if this rate appeals.

Find out more about them here

United Trust Bank - 6 months
4.55% (6 Months) £5,000 / £1,000,000

Branch
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Telephone

Branch
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Post
Telephone

  • Paid Away or Compounded
  • Paid Annually

9 month fixed rate bond from London based specialist lender United Trust, who launched in 1955 and look after £1.6bn of savings.

Find out more about them here

United Trust Bank - 9 months
4.77% (9 Months) £5,000 / £1,000,000

Branch
App
Internet
Post
Telephone

Branch
App
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Post
Telephone

  • Paid Away or Compounded
  • Paid Annually

9 month fixed rate bond from London based specialist lender United Trust, who launched in 1955 and look after £1.6bn of savings.

Find out more about them here

About The Savings Guru

We help savers get the best deal for their money by providing unique insight in to the savings market.  We help prospective banks apply for a banking licence and we help build customer services, products and marketing for them.  We also work with existing banks and building societies to improve their savings propositions.  This  insider view of savings means we are uniquely placed to help savers.

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