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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

  • Paid Away or Compounded
  • Paid Monthly
  • Paid Annually

Peterborough based Aldermore launched in 2009 and look after over £12.4bn of deposits.

You can find out more about them here

 Brown Shipley - Raisin
0.61% £1,000 / £85,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid On Maturity

Founded in 1810, Brown Shipley is a UK authorised private bank with over 200 years of experience, and is regulated by both the PRA and FCA.  It is headquartered in London with offices in seven other UK cities, offering fully integrated wealth planning, investment management and banking services.

This product is only available on the Raisin platform and it currently comes with a £50 bonus for new customers depositing £10,000 or more.  You can find out more about Raisin here

 JN Bank
0.50% £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.

Charter Savings Bank
0.60% £5,000 / £1,000,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

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

Wolverhampton based Charter Savings launched in 2015.

It is now part of One Savings Bank which looks after a combined £16.6bn across its Charter Savings and Kent Reliance savings brands

Family Building Society - Premium saver
0.72% £1,000 / £250,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Annually
  • Paid Compounded
  • Paid on 31st January

Excellent rate from Epsom based Family Building Society who look after over £2bn of savings. 

Additions to this account can only be made up until 3pm on Monday 7th February, after which no further amounts can be added.

Withdrawals are permitted but are restricted to £25,000 per day.

Ford Money
0.60% £1 / £2,000,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

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

Essex based Ford Money have regularly been in our best buy tables since their launch in April 2017. 

The rate is variable but any changes get notified to savers who benefit from any upward movements automatically.

Leeds Building Society
0.60% £1,000 / £1m

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Away or Compounded
  • Paid On Maturity

Unlimited withdrawals can be made from this account, which has a fixed maturity date of 30th November 2022, when interest will be paid.

Leeds is the 5th largest building society in the UK and looks after £14.5bn of savings.

Marcus
0.60% (0.10% bonus for 12 months) £1 / £250,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Monthly
  • Paid Compounded

Marcus launched in September 2018 and is part of US bank Goldman Sachs

This account includes a bonus rate of 0.10% for 12 months.  We don't usually include accounts with bonus rates but, as this will still be in our best buys without the bonus, we have on this occasion.

Paragon Bank - Triple Access
0.65% £1 / £500,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

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

The rate on this account drops to 0.25% if four or more withdrawals are made within a 12 month period

Birmingham based Paragon launched in 2014 and now look after £9.3bn of savings.  You can find out more about them in our banking directory here

Principality Building Society
0.55% £1 / £1m

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Annually
  • Added to the account
  • Paid 1st January

Only three withdrawals are permitted per calendar year, with closure counted as a withdrawal.

Principality is the 6th largest building society in the UK, looking after £7.6bn of savings

RCI Bank
0.55% £100 / £250,000

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

Saga
0.60% (0.10% bonus for 12 months) £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 700,000 customers in the UK with £21bn of balances.

This account includes a bonus rate of 0.10% for 12 months.  We don't usually include accounts with bonus rates but, as this will still be in our best buys without the bonus, we have on this occasion.

Shawbrook Bank
0.67% £1,000 / £85,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

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

Essex based Shawbrook launched in 2011 and looks after £7.84bn of savings

Find out more about them here

Tandem Bank
0.55% £1 / £250,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Monthly
  • Paid Compounded

Tandem acquired Harrods Bank in January 2018.  This 'green' saver can only be opened and managed via Tandem's mobile app but has a very low minimum balance

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.

Find out moreMeet the Team

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