Receive the Savings Guru's updates straight to your inbox

Notice Accounts

Provider Rate Min/Max Deposit Opening Account Accessing Account Interest Options SG Verdict
 Investec - Raisin
5.02% (32 Day) £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

 LHV - Raisin
5.30% (95 Days) £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

 StreamBank
5.30% (90 Days) £1,000 / £100,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Monthly
  • Added to the account

StreamBank was awarded a banking licence in June 2022 and launched its first savings products on 21st February 2023.

A| Monument Bank - 35 Day
5.15% (35 Day) £25,000 / £400,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Monthly
  • Added to the account

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

A| Monument Bank - 45 Day
5.20% (45 Day) £25,000 / £400,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Monthly
  • Added to the account

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

A| Monument Bank - 60 Day
5.27% (60 Day) £25,000 / £400,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Monthly
  • Added to the account

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

A| Monument Bank - 7 Day
5.13% (7 Day) £25,000 / £400,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Monthly
  • Added to the account

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

A| United Trust Bank - 180 Day Base Rate Tracker
5.25% (180 Day Base Rate Tracker) £5,000 / £1m

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

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

The interest rate on this account tracks the Bank of England Base Rate, currently 5.25%, for the duration of the account being open.

London based specialist lender United Trust launched in 1955 and look after £1.6bn of savings

Find out more about them here

BLME
5.35% (90 Day) £10,000 / £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. 

Although an opening balance of £10,000 is required, the minimum balance after opening is £1,000 with a minimum withdrawal amount of £1,000.

You can find out more about them here

Charter Savings Bank
5.15% (95 Day) £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 is part of Chartercourt Financial Services, which launched in 2015, and has recently merged with One Savings Bank, which has a combined £16.6bn of savings balances

Cynergy
5.20% (120 Day) 5.15% (90 Day) 5.12% (35 Day) £500 / £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

Investec
5.25% (90 day) £5,000 / £250,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Away or Compounded
  • Paid Monthly
  • Paid 15th of the month

Competitive rate from Investec who are one of the top 10 banks in the UK by size.

Kent Reliance
5.13% (60 Day) £1,000 / No maximum

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Monthly
  • Paid Annually
  • Monthly interest paid on the last working day of the month Annual interest paid on 5th April

Kent Reliance are part of One Savings Bank, which is listed on the FTSE 250.

One Savings Bank has recently completed its merger with Charter Court Financial Services (which includes Charter Savings Bank) and now looks after combined savings balances of £16.3bn

Shawbrook Bank
5.16% (45 Day) £1,000 / £85,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

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

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

Find out more about them here

Vanquis Bank
5.20% (120 Day) 5.15% (90 Day) £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

West Brom
5.25% (60 Day) £1 / £1m

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Away or Compounded
  • Paid Annually

West Brom is the 7th largest building society in the UK.

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

Ask the Guru a Question


Your Name:*
Your E-mail:*
Your Question*