Notice Accounts

Provider Rate Min/Max Deposit Opening Account Accessing Account Interest Options SG Verdict
Allica Bank
4.00% (180 Day) 3.40% (95 Day) £10,000 / £250,000

Branch
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Branch
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  • Paid Annually
  • Paid Compounded

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

 GB Bank - Raisin
3.80% (95 Day) £1,000 / £85,000

Branch
App
Internet
Post
Telephone

Branch
App
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Telephone

  • Paid On Maturity

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

 Hampshire Trust Bank - 120 Day
4.40% (120 Day) £1,000 / £250,000

Branch
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Internet
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Telephone

Branch
App
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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 looks after in excess of £1.63bn of deposits.

 Hampshire Trust Bank - 90 Day
4.30% (90 Day) £1,000 / £250,000

Branch
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Branch
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  • 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 looks after in excess of £1.63bn of deposits.

 Investec - Raisin
4.00% (95 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

 Investec - Raisin
3.75% (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

 QIB - Raisin
3.80% (95 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

 RCI Bank - 14 day
3.70% (14 Day) £1,000 / £1m

Branch
App
Internet
Post
Telephone

Branch
App
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Post
Telephone

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

All funds deposited into the RCI Bank E-Volve Savings 14 Day Notice Account are used to fund pure electric vehicles and charging facilities

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

 RCI Bank - 95 day
4.05% (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

 StreamBank
4.00% (90 Days) £1,000 / £100,000

Branch
App
Internet
Post
Telephone

Branch
App
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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.

 UBL - Raisin
3.81% (95 Days) £1,000 / £85,000

Branch
App
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Telephone

Branch
App
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Telephone

  • Paid On Maturity

United Bank Limited UK (UBL) was formed in 2001 from the merger of two Pakistani banks and has branches in Ilford, Bradford, Birmingham, Glasgow Manchester and London.

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

 United Trust Bank
4.30% (200 Day)
4.15% (100 Day)
3.75% (40 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

BLME
3.85% (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
4.31% (120 Day) 4.26% (90 Day) 3.75% (35 Day) £500 / £1m

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid on Anniversary
  • Paid Annually
  • Paid Away

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
3.95% (120 Day) 3.90% (90 Day) £1,000 / £250,000

Branch
App
Internet
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Telephone

Branch
App
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  • 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

Family Building Society
4.33% (120 Day) £1,000 / £250,000

Branch
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Post
Telephone

Branch
App
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Post
Telephone

  • Paid Away or Compounded
  • Paid Monthly
  • Paid Annually
  • Paid 31st January

Savers can add money to this account until 3pm on Friday 14th July, after which it will close to new money

Epsom based Family Building Society is part of National Counties Building Society, the 11th largest in the UK.  It looks after £1.7bn of savings.

Furness Building Society
3.85% (120 Day) £1,000 / £250,000

Branch
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Telephone

Branch
App
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Post
Telephone

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

Furness Building Society is based in Barrow-in-Furness and was founded in 1865.  It looks after £920m of savers deposits.

Gatehouse Bank
4.10% (120 Day) 4.05% (95 Day) £1,000 / £1,000,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid on Anniversary
  • Paid Monthly
  • Paid Annually
  • Paid Away

This account pays expected profit, rather than interest, to meet Sharia law requirements. 

Investec
4.25% (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.

Market Harborough
4.00% (180 Day) 3.10% (120 Day) 3.00% (90 Day) From £5,000 / £500,000

Branch
App
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Telephone

Branch
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Post
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  • Paid Away or Compounded
  • Paid Monthly
  • Paid on the last working day of the month

Market Harborough is the 25th largest building society in the UK and looks after £395m of savings

OakNorth Bank
4.00% (120 Day) 3.95% (90 Day) £1,000 / £250,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Monthly
  • Paid Compounded

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

OakNorth change their rates frequently so move quickly if this rate appeals

You can find out more about them here

Oxbury Bank
4.15% (180 Day) 4.11% (120 Day) 4.01% (95 Day) £1,000 / £500,000

Branch
App
Internet
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Telephone

Branch
App
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Post
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  • Paid on Anniversary
  • Paid Annually
  • 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

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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