18 Month Fixed | The Savings Guru

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18 Month Fixed

Provider	Rate	Min/Max Deposit	Opening Account	Accessing Account	Interest Options	SG Verdict
z Al Rayan Bank	4.20%	£5,000 / No Maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Quarterly	This account pays expected profit, rather than interest, to meet Sharia law requirements. Those savers comfortable with this are likely to be attracted by the rate and variety of channels to open and manage their account
Apply Now	4.08%	£1,000 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid On Maturity	This account is provided by Al Rayan Bank on the Meteor Savings platform
Apply Now	4.08%	£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
Apply Now	4.02%	£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 £13.1bn of deposits. You can find out more about them here
Apply Now	4.16%	£1,000 / £85,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Annually Added to the account	This product is only available via the Raisin UK savings platform. You can find out more about Raisin here
Find out more	4.16%	£1,000 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on maturity annually or compounded	This product is provided by Aldermore Bank on Active Savings, which is a savings platform, provided by investment giant Hargreaves Lansdown, which offers savers access to a range of products from its partner banks and building societies.
Find out more	4.15%	£1,000 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on maturity annually or compounded	Active Savings is a savings platform, provided by investment giant Hargreaves Lansdown, which offers savers access to a range of products from its partner banks and building societies.
Find out more	4.30%	£1,000 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on maturity annually or compounded	This product is provided by Close Brothers on Active Savings, which is a savings platform, provided by investment giant Hargreaves Lansdown, which offers savers access to a range of products from its partner banks and building societies.
Find out more	3.95%	£1,000 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on maturity annually or compounded	This product is provided by Kent Reliance on Active Savings, which is a savings platform, provided by investment giant Hargreaves Lansdown, which offers savers access to a range of products from its partner banks and building societies.
Find out more	4.30%	£1,000 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on maturity annually or compounded	This product is provided by Paragon Bank on Active Savings, which is a savings platform, provided by investment giant Hargreaves Lansdown, which offers savers access to a range of products from its partner banks and building societies.
Apply Now	4.00%	£1,000 / £85,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Annually Added to the account	This product is only available via the Raisin UK savings platform. You can find out more about Raisin here
z Cynergy	4.20%	£10,000 / £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
z Cynergy	4.20%	£10,000 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Annually Added to the account	This is a 15 Month Fixed Term Cynergy was formerly known as Bank of Cyprus, which has operated in the UK since 1955, and looks after £1.76bn of savings
FirstSave	4.00%	£1,000 / £2m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded	FirstSave accounts are provided by FirstBank UK Limited, a UK bank that began trading in 2002. FirstSave is part of one of Nigeria's largest banks and with headquarters in Lagos They look after a very small amount of savings in the UK so we don't expect this rate to last for more than a few days
JN Bank	3.99%	£1,000 / £500,000	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. This product is a 15 Month Fixed Term
Secure Trust Bank	4.25%	£1,000 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Annually Paid 31st December	Birmingham based Secure Trust Bank look after over £2bn of deposits. Their products tend not to be able for long so move quickly if this rate appeals. Find out more about them here
Union Bank of India	4.10%	£1,000 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid On Maturity	Union Bank of India (UK), which is a subsidiary of Union Bank of India, one of the largest public sector banks in India. Although Union Bank does finally have an internet application, their UK website is very hard to navigate to find it and it is one of the most difficult applications to complete we've experienced.

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