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Notice Accounts

Provider Rate Min/Max Deposit Opening Account Accessing Account Interest Options SG Verdict
 Monument Bank - 35 Day
5.22% (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.

 Monument Bank - 60 Day
5.26% (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.

 Monument Bank - 7 Day
5.10% (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.

 OakNorth Bank - Raisin - 120 Day
5.30% (120 Days) £10,000 / £85,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Monthly
  • Paid 1st of the month

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

 OakNorth Bank - Raisin - 95 Day
5.25% (95 Days) £10,000 / £85,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Monthly
  • Paid 1st of the month

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

 QIB - Raisin
5.33% (95 Day) £1,000 / £85,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid On Maturity

This product comes with a £25 bonus for new customers who sign up to Raisin via the Apply Now link above.

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

 RCI Bank - 95 day
5.60% (95 Day) £1,000 / £1m

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

 United Trust Bank
5.50% (200 Day)
5.20% (100 Day)
4.70% (30 Day)
£5,000 / £1m

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

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

Cynergy
5.55% (120 Day) 5.50% (90 Day) 5.00% (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

DF Capital - new
5.35% (120 Day) 5.30% (90 Day) £1,000 / £250,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Monthly
  • Added to the account

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

Melton Building Society
5.50% (180 day) £1,000 / £250,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Away or Compounded
  • Paid Monthly
  • Paid Annually
  • Annual interest paid 31st March
  • Monthly interest paid the last day of the month

The Melton is based in Melton Mowbray, with additional branches in Grantham and Oakham, and looks after £380m of savings.

Oxbury Bank
5.59% (180 Day) 5.53% (120 Day) £1,000 / £500,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Monthly
  • Paid Compounded

Oxbury is a specialist agricultural bank, focused on lending to UK farms.  It got its banking licence in 2020 and launched savings accounts in February 2021.

Savers will need a smartphone to download the Oxbury Banking App as part of the security measures to access their online account

You can find out more abou them here

Stafford Railway Building Society
5.75% (120 Day) £5,000 / £75,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Annually
  • Paid Compounded

Only three withdrawals are permitted per Society year from the 120 Day Notice and four from the 90 Day.

Stafford Railway Building Society is the smallest of the UK's 43 building societies

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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