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Notice Accounts

Provider Rate Min/Max Deposit Opening Account Accessing Account Interest Options SG Verdict
Aldermore - 120 Day Notice
2.95% (120 Day) £1,000 / £1m

Branch
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Branch
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  • Paid on Anniversary
  • 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

Aldermore - 30 Day Notice
2.80% (30 Day) £1,000 / £1m

Branch
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Telephone

Branch
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  • Paid on Anniversary
  • 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

 Investec - Raisin
2.55% (32 Day) £1,000 / £85,000

Branch
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Telephone

Branch
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  • Paid On Maturity

This product is only available via the Raisin UK platform but comes with a £30 sign up bonus for Savings Guru customers.  You can find out more about Raisin, and how to claim the sign up bonus here

 RCI Bank
2.90% (95 Day) £1,000 / £1m

Branch
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Post
Telephone

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

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

 RCI Bank
2.50% (14 Day) £1,000 / £1m

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

All funds deposited into the RCI Bank E-Volve Savings 14 Day Notice Account are used to fund pure electric vehicles and charging facilities

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

 UBL - Raisin
2.71% (95 Days) £1,000 / £85,000

Branch
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Branch
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  • Paid On Maturity

United Bank Limited UK (UBL) was formed in 2001 from the merger of two Pakistani banks and has branches in Ilford, Bradford, Birmingham, Glasgow Manchester and London.

This product is only available via the Raisin UK platform but comes with a £30 sign up bonus for Savings Guru customers.  You can find out more about Raisin, and how to claim the sign up bonus here

BLME
3.14% (90 Day) £10,000 / £1,000,000

Branch
App
Internet
Post
Telephone

Branch
App
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Post
Telephone

  • Paid Annually
  • Paid Away

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

Although an opening balance of £10,000 is required, the minimum balance after opening is £1,000 with a minimum withdrawal amount of £1,000.

You can find out more about them here

Ecology Building Society
2.95% (90 days notice) £25,000 / £125,000

Branch
App
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Branch
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  • Paid on Anniversary
  • Paid Away or Compounded
  • Paid Annually

Ecology was founded in 1981 and is one of the smallest buliding societies in the UK, looking after £185m of savings

This account can be opened with £500, with an interest rate of 1%, but the highest rate of 1.45% isn't paid until a balance of £25,000 is reached

Gatehouse Bank
3.00% (120 Day) 2.90% (95 Day) £1,000 / £1,000,000

Branch
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Branch
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  • Paid on Anniversary
  • Paid Monthly
  • Paid Annually
  • Paid Away

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

Investec
2.86% (90 day) £25,000 / £1m

Branch
App
Internet
Post
Telephone

Branch
App
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Post
Telephone

  • Paid on Anniversary
  • Paid Monthly
  • Paid Annually
  • Paid Away

A competitive rate from Investec, who pay a loyalty rate of 0.05% (included in the rate we display) if notice is not placed for 90 days.

Savers can access up to 20% of their money immediately with the loss of up to 0.10% on their interest rate.

Kent Reliance
2.85% (60 Day) £1,000 / No maximum

Branch
App
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Branch
App
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  • Paid Monthly
  • Paid Annually
  • Monthly interest paid on the last working day of the month Annual interest paid on 5th April

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 Court Financial Services (which includes Charter Savings Bank) and now looks after combined savings balances of £16.3bn

OakNorth Bank
3.20% (120 Day) 3.07% (90 Day) £1,000 / £250,000

Branch
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Branch
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  • Paid Monthly
  • Paid Compounded

OakNorth launched in 2015 and offers debt and property finance to UK small and medium size enterprises.

OakNorth change their rates frequently so move quickly if this rate appeals

You can find out more about them here

Oxbury Bank
3.10% (180 Day) 3.05% (120 Day) 3.00% (95 Day) £1,000 / £500,000

Branch
App
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Telephone

Branch
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  • Paid on Anniversary
  • Paid Annually
  • Paid Compounded

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 abou them here

Recognise Bank
3.00% (95 Day) 1.25% (35 Day) £1,000 / £85,000

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

Recognise is the latest bank to be authorised having received its full banking licence in September 2021.

You can find out more about them here

Shawbrook Bank
3.00% (120 Day)
2.50% (45 Day)
£1,000 / £85,000

Branch
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Internet
Post
Telephone

Branch
App
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Post
Telephone

  • Paid on Anniversary
  • Paid Away or Compounded
  • Paid Annually

Essex based Shawbrook launched in 2011 and looks after £7.84bn of savings

Find out more about them here

United Trust Bank
3.20% (200 Day)
2.90% (100 Day)
2.50% (40 Day)
£5,000 / £1m

Branch
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Branch
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  • Paid Away or Compounded
  • Paid Annually

London based specialist lender United Trust launched in 1955 and look after £1.6bn of savings

Find out more about them here

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.

Find out moreMeet the Team

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