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Provider Rate Min/Max Deposit Opening Account Accessing Account Interest Options SG Verdict
Britannia
1.40% £500 / £1,000,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Away or Compounded
  • Paid Annually

Only four withdrawals are permitted per calendar year.  If five or more withdrawals are made, the rate falls to 0.30%

The Co-op Bank has 68 branches across the UK.

Savers should note that, although this account can be opened online, it cannot be managed online.

Ford Money
1.42% £1,000 / £2,000,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

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

Essex based Ford Money have consistently been in our best buy tables since their launch in April 2017. 

Having dropped out at the end of March, they are back after a 3 month absence. 

The rate is variable, any changes get notified to savers and they benefit from any upward movements automatically

Marcus
1.50% £1 / £250,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Monthly
  • Paid Compounded

This account includes a 0.15% bonus rate payable for 12 months.  

We normally exclude bonus rates, however this account still qualifies for our best buys without it.

Marcus launched in September 2018 and is part of US bank Goldman Sachs.

Sainsbury's Bank
1.39% £1,000 / £500,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Anniversary
  • Paid Away or Compounded
  • Paid Annually

Sainsbury’s Bank opened in 1999 and was the first supermarket bank to open in the UK.

This account is limited to three withdrawals each year, otherwise the rate reduces to 0.50%.

Shawbrook
1.48% £1,000 / £85,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

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

Essex based Shawbrook have consistently appeared in our best buys since August 2017 

Virgin Money
1.50% £1 / £250,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Away or Compounded
  • Paid Monthly
  • Paid Annually

Competitive rate from Virgin but this account is limited to two withdrawals per annum.  Closing your account counts as a withdrawal too    

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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