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Provider Rate Min/Max Deposit Opening Account Accessing Account Interest Options SG Verdict
Aldermore
0.50% £1,000 / £1,000,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Anniversary
  • 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.

Atom Bank
0.50% £1 / £100,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Monthly
  • Paid Compounded

Durham based Atom Bank has attracted over 20,000 customers and £1.5bn of savings since its launch in April 2016.

Savers can only access Atom’s products via their mobile app

Charter Savings Bank
0.40% £5,000 / £1,000,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

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

Wolverhampton based Charter Savings is part of Chartercourt Financial Services.  

Charter Savings launched in April 2015 and looks after £5.6bn of savings

JN Bank
0.45% £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.

The rate on this account is currently 0.55% but falls to 0.45% on 2nd February 2021

RCI Bank
0.40% £100 / £1,000,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

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

RCI consistently pay some of the best rates in the easy access market.

They are now a UK licensed bank and covered by the Financial Services Compensation Scheme

Saffron Building Society
0.45% £10 / £500,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Monthly
  • Paid Annually
  • Paid 31st December
  • Paid on the last working day of the month

Withdrawals and additions are permitted

Essex based Saffron, who look after £850m of savings, are one of the top 20 building societies by size in the UK.

This account sees 0.10% of the balances donated to The Conservation Volunteers.

Saga
0.40% £1 / £250,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Monthly
  • Paid Compounded

Saga savings relaunched in October and is now part of Marcus by Goldman Sachs which has over 500,000 customers in the UK with £21bn of balances.

Shawbrook Bank
0.40% £1,000 / £85,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

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

Essex based Shawbrook have consistently appeared in our best buys since August 2017 

UBL
0.45% £500 / £200,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Annually
  • Paid Compounded

Only one free withdrawal is permitted each month.  After this, withdrawals cost £1 each subject to an online banking maximum withdrawal of £10,000.

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.

Union Bank of India
0.50% £1,000 / £1,000,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Monthly
  • Paid on the last working day of the month

Union Bank of India (UK), which is a subsidiary of Union Bank of India, one of the largest public sector banks in India

Yorkshire Building Society
0.40% (£10,000+) 0.25% (£1,000+) £1 / No max

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

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

This account allows six withdrawals per year plus closure.  The year starts from the date you open the account.

Yorkshire are the 3rd largest building society in the UK and look after £30.7bn of savings.

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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