3 Year Fixed
| Provider | Rate | Min/Max Deposit | Opening Account | Accessing Account | Interest Options | SG Verdict |
|---|---|---|---|---|---|---|
|
4.85% | £1,000 / £250,000 | Branch | Branch |
| Afin Bank is a UK-based challenger bank and specialist lender backed by WAICA Reinsurance Corporation. It focuses on providing mortgages and savings solutions to underserved communities, particularly the African diaspora, foreign nationals on visas, high-net-worth individuals, and self-employed professionals facing challenges with mainstream lenders |
|
4.62% | £1,000 / £1m | Branch | Branch |
| This account is provided by Al Rayan Bank on the Meteor Savings platform |
|
4.61% | £1,000 / £1,000,000 | Branch | Branch |
| Peterborough based Aldermore launched in 2009 and look after over £13.1bn of deposits. You can find out more about them here |
|
4.57% | £1,000 / £85,000 | Branch | Branch |
| Bank of Ceylon (UK) Limited (BOC UK) is a wholly owned subsidiary of Bank of Ceylon, Sri Lanka (BOC) and has a single office in the UK. BOC is the largest bank in Sri Lanka in terms of asset base and has branches in India, Maldives and Seychelles This product is only available via the Raisin UK savings platform. You can find out more about Raisin here |
|
4.61% | £1,000 / £1m | Branch | Branch |
| This product is provided by Close Brothers on Active Savings, which is a savings platform provided by investment giant Hargreaves Lansdown, offering savers access to a range of products from its partner banks and building societies. |
|
4.60% | £1,000 / £1m | Branch | Branch |
| This product is provided by ICICI 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. |
|
4.60% | £1,000 / £120,000 | Branch | Branch |
| This product is only available via the Raisin UK savings platform. You can find out more about Raisin here |
|
4.55% | £1,000 / £85,000 | Branch | Branch |
| This product is only available via the Raisin UK savings platform. You can find out more about Raisin here |
|
4.70% | £50 / £100,000 | Branch | Branch |
| Durham based Atom Bank has attracted over £3.2bn of savings since its launch in April 2016. Savers can only access Atom’s products via their mobile app You can find out more about them here |
|
4.71% | £5,000 / £1,000,000 | Branch | Branch |
|
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 £16.3bn of savings balances |
|
4.78% | £1,000 / No maximum | Branch | Branch |
| Wrexham based Chetwood Bank got its banking licence at the end of 2018 following a £40m investment from Elliott Advisors. Savers should note that Chetwood also offers bonds under the SmartSave brand, which is under the same banking licence, so FSCS protection is on the combined balance for any savings with both brands Find out more about them here |
|
4.85% | £10,000 / £2,000,000 | Branch | Branch |
|
Close Bank have been trading since 1878, are a FTSE 250 listed company and look after over £6.4bn of savings You can find out more about them here |
|
4.80% | £1,000 / £100,000 | Branch | Branch |
| GB Bank allow a generous 21 days to fund their fixed rate bonds. GB Bank was awarded a banking licence (with restrictions) in October 2021 and launched savings on 23rd November 2022. It is based in Middlesborough and intends to get Britain building by supporting regional SME property developers with development financing. |
|
4.59% | £1,000 / £1,000,000 | Branch | Branch |
| Hodge bank is based in South Wales and was authorised in 1987. It looks after just under £1bn of deposits. |
|
4.61% | £1,000 / £500,000 | Branch | Branch |
| JN Bank are the first Carribean bank to be authorised in the UK and launched on 8th October 2020. |
|
4.79% | £1,000 / £1,000,000 | Branch | Branch |
| Kent Reliance is part of One Savings Bank, a FTSE 250 listed company, and has 9 branches in Kent and the South East
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 £16.6bn |
|
4.55% | £5,000 / £500,000 | Branch | Branch |
| This product has a fixed matuirty date of 30th September 2029 Market Harborough is the 25th largest building society in the UK and looks after £395m of savings. |
|
4.65% | £500 / £1m | Branch | Branch |
| NS&I's Guaranteed Income and Guaranteed Growth Bonds both pay the same rate |
|
4.83% | £1,000 / £500,000 | Branch | Branch |
| 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 about them here |
|
4.55% | £1,000 / £1,000,000 | Branch | Branch |
| 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 |