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Provider Rate Min/Max Deposit Opening Account Accessing Account Interest Options SG Verdict
Al Rayan Bank
0.70% £1,000 / No Maximum

Branch
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Internet
Post
Telephone

Branch
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  • Paid Monthly

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

Aldermore
0.50% £1,000 / £1,000,000

Branch
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Telephone

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

Peterborough based Aldermore Bank were formed in 2009 and look after over £10bn of deposits 

Charter Savings Bank
0.50% £5,000 / £1,000,000

Branch
App
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Post
Telephone

Branch
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Post
Telephone

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

Wolverhampton based Charter Savings is part of Chartercourt Financial Services.  

Charter Savings launched in April 2015 and looks after £5.6bn of savings

Kent Reliance
0.50% £1,000 / £1,000,000

Branch
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Branch
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  • Paid Away or Compounded
  • Paid Monthly
  • Paid Annually

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 Savings Bank.

NS&I
1.00% £1 / £2m

Branch
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Branch
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  • Paid Annually
  • Added to the account
  • Paid 1st April

National Savings & Investments is not a bank but is backed by the UK government and therefore is 100% safe.  It is one of the largest savings providers in the UK, looking after £167bn of savings with over 25 million customers.

NS&I
1.16% £500 / £1m

Branch
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Telephone

Branch
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  • Paid Monthly
  • Paid Away

National Savings & Investments is not a bank but is backed by the UK government and therefore is 100% safe.  It is one of the largest savings providers in the UK, looking after £167bn of savings with over 25 million customers.

RCI Bank
0.72% £100 / £1,000,000

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

RCI consistently pay some of the best rates in the easy access market.

They are now a UK licensed bank and covered by the Financial Services Compensation Scheme

Saga
0.75% (0.20% bonus) £1 / £250,000

Branch
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Branch
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  • Paid Monthly
  • Paid Compounded

Saga savings relaunched in October and is now part of Marcus by Goldman Sachs which has over 500,000 customers in the UK with £17bn of balances.

The account comes with a 0.20% bonus for the first 12 months.  We don't normally feature bonus accounts but this one would still be in our best buys without the bonus element.

Virgin Money
0.75% £1 / £250,000

Branch
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Post
Telephone

Branch
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Post
Telephone

  • Paid Away or Compounded
  • Paid Monthly
  • Paid Annually

A very low minimum balance, but does come with limited access as this account is limited to two withdrawals per annum and closing your account is classed as a withdrawal.

Yorkshire Building Society
0.85% (£10,000+)
0.60% (£1,000+)
£1 / No max

Branch
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Branch
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  • Paid Away or Compounded
  • Paid Annually
  • Paid 31st March

Yorkshire are the 3rd largest building society in the UK and look after £30.7bn of savings.

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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