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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
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Telephone

Branch
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  • Paid Monthly

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

Buckinghamshire Building Society
0.80% £100 / £500,000

Branch
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Telephone

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

The single access saver allows one free withdrawal during a calendar year with a second withdrawal resulting in automatic closure of the account

Buckinghamshire is one of the smallest building societies with £234m of deposits 

Chorley Building Society
0.70% £500 / £500,000

Branch
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Telephone

Branch
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  • Paid Annually
  • Paid 31st December
  • Added to the account

Lancashire based Chorley were formed in 1859 and look after over £200m of savers deposits.

If thirteen or more withdrawals are made during the year, the rate drops to 0.10%

Dudley Building Society
0.80% £100 / £500,000

Branch
App
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Post
Telephone

Branch
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  • Anniversary

The limited accesss saver allows three withdrawals in the year after opening.  If more withdrawals are made, the rate drops to 0.10%.

Dudley looks after over £500m of savings.

Family Building Society
0.81% £500 / £250,000

Branch
App
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Post
Telephone

Branch
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Post
Telephone

  • Paid Annually
  • Paid Compounded
  • Paid 31st July

The interest rate on this Market Saver account is reviewed quarterly to ensure it remains consistently competitive and avoids the need for savers to continuously shop around.

As part of the quarterly review process, the rate falls to 0.67% on 1st October 2020

Family is part of National Counties Building Society, the 11th largest Society in the UK, looking after over £2bn of savings.

Ford Money
0.75% £1 / £2,000,000

Branch
App
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Branch
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  • 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. 

The rate is variable but any changes get notified to savers who benefit from any upward movements automatically.

Gatehouse Bank
0.75% £1,000 / £250,000

Branch
App
Internet
Post
Telephone

Branch
App
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Post
Telephone

  • Anniversary
  • Paid Annually
  • Paid Away

First appearance in our easy access best buys for Gatehouse. 

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

Kent Reliance
0.70% £1,000 / £1,000,000

Branch
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Post
Telephone

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
App
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Post
Telephone

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.

** The rate on this account drops to 0.15% from 24th November **

NS&I
1.16% £500 / £1m

Branch
App
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Telephone

Branch
App
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Post
Telephone

  • 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.

** The rate on this account drops to 0.01% from 24th November **

Yorkshire Building Society
0.95% (£10,000+)
0.65% (£1,000+)
£1 / No max

Branch
App
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Post
Telephone

Branch
App
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Post
Telephone

  • 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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