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Notice Accounts

Provider Rate Min/Max Deposit Opening Account Accessing Account Interest Options SG Verdict
 Investec - Raisin
5.02% (32 Day) £1,000 / £85,000

Branch
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Telephone

Branch
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  • Paid On Maturity

Savers who sign up for this account by midday on 30th June, and fund it with at least £10,000 by 15th July, will receive a £50 cash bonus if they sign up via this link

This product is only available via the Raisin UK savings platform. You can find out more about Raisin here

 LHV - Raisin
5.10% (95 Days) £1,000 / £85,000

Branch
App
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Telephone

Branch
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  • Paid On Maturity

Savers who sign up for this account by midday on 30th June, and fund it with at least £10,000 by 15th July, will receive a £50 cash bonus if they sign up via this link

This product is only available via the Raisin UK savings platform. You can find out more about Raisin here

 RCI Bank - 95 day
4.95% (95 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

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

 StreamBank
5.05% (90 Days) £1,000 / £100,000

Branch
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Branch
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  • Paid Monthly
  • Added to the account

StreamBank was awarded a banking licence in June 2022 and launched its first savings products on 21st February 2023.

A| Monument Bank - 45 Day
5.20% (45 Day) £25,000 / £2m

Branch
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Branch
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  • Paid Monthly
  • Added to the account

Monument Bank launched in December 2021 and plans to target mass affluent individuals via its mobile app.  Consequently, it has a higher minimum balance requirement than other savings providers.

A| Monument Bank - 60 Day
5.27% (60 Day) £25,000 / £2m

Branch
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Branch
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  • Paid Monthly
  • Added to the account

Monument Bank launched in December 2021 and plans to target mass affluent individuals via its mobile app.  Consequently, it has a higher minimum balance requirement than other savings providers.

A| Monument Bank - 7 Day
5.13% (7 Day) £25,000 / £2m

Branch
App
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Telephone

Branch
App
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  • Paid Monthly
  • Added to the account

Monument Bank launched in December 2021 and plans to target mass affluent individuals via its mobile app.  Consequently, it has a higher minimum balance requirement than other savings providers.

A| United Trust Bank - 180 Day Base Rate Tracker
5.25% (180 Day Base Rate Tracker) £5,000 / £1m

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

The interest rate on this account tracks the Bank of England Base Rate, currently 5.25%, for the duration of the account being open.

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

Find out more about them here

BLME
5.15% (90 Day) £10,000 / £1,000,000

Branch
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Branch
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  • 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

Cynergy
5.15% (120 Day) 5.05% (90 Day) 5.00% (35 Day) £500 / £1m

Branch
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Branch
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  • Paid on Anniversary
  • Paid Annually
  • Added to the account

Cynergy was formerly known as Bank of Cyprus, which has operated in the UK since 1955, and looks after £1.76bn of savings

FirstSave
5.05% (60 Day) £100 / £2m

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

FirstSave accounts are provided by FirstBank UK Limited, a UK bank that began trading in 2002.  FirstSave is part of First Bank of Nigeria plc, one of Nigeria's largest banks and with headquarters in Lagos

They look after a very small amount of savings in the UK so we don't expect this rate to last for more than a few days

Hinckley & Rugby Building Society
5.25% (180 Day) £2,500 / £300,000

Branch
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Branch
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  • Paid Away or Compounded
  • Paid Monthly
  • Paid Annually
  • Annual interest paid 1st December

Hinckley & Rugby is the 19th largest building society in the UK and looks after £693m of savings

Investec
5.25% (90 day) £5,000 / £250,000

Branch
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Telephone

Branch
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  • Paid Away or Compounded
  • Paid Monthly
  • Paid 15th of the month

Competitive rate from Investec who are one of the top 10 banks in the UK by size.

Kent Reliance
5.13% (60 Day) £1,000 / No maximum

Branch
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Telephone

Branch
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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

Recognise Bank
4.95% (95 Day) £1,000 / £85,000

Branch
App
Internet
Post
Telephone

Branch
App
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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
5.16% (45 Day) £1,000 / £85,000

Branch
App
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Post
Telephone

Branch
App
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  • 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

Vanquis Bank
5.35% (90 Day) 5.20% (120 Day) £1,000 / £250,000

Branch
App
Internet
Post
Telephone

Branch
App
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Post
Telephone

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

Vanquis Bank is part of the Provident Financial Group, which was founded in 2002 and looks after £1.68bn of deposits.

You can find out more about Vanquis in our banking directory 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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