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Notice Accounts

Provider Rate Min/Max Deposit Opening Account Accessing Account Interest Options SG Verdict
 Aldermore - 45 Day Notice
4.05% (45 Day) £1,000 / £1m

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • 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

 Atom - Raisin
4.15% (95 Day) £1,000 / £120,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid On Maturity

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

 Chetwood Bank - 105 Day Notice
4.19% (105 Day) £0 / No maximum

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Monthly
  • Added to the account

Wrexham based Chetwood Bank got its banking licence at the end of 2018 following a £40m investment from Elliott Advisors.

Find out more about them here

 Chetwood Bank - 35 Day Notice
4.01% (35 Day) £0 / No maximum

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Monthly
  • Added to the account

Wrexham based Chetwood Bank got its banking licence at the end of 2018 following a £40m investment from Elliott Advisors.

Find out more about them here

 Chetwood Bank - 70 Day Notice
4.06% (70 Day) £0 / No maximum

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Monthly
  • Added to the account

Wrexham based Chetwood Bank got its banking licence at the end of 2018 following a £40m investment from Elliott Advisors.

Find out more about them here

 Hampshire Trust Bank - 95 Day Tracker
4.22% (95 Day) £1,000 / £250,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

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

This account tracks at a fixed margin above the Bank of England Base Rate. The fixed margin above Base Rate is currently 0.47%

London based Hampshire Trust Bank launched in 1977 but was acquired by a new management team in 2014 and now looks after in excess of £1.63bn of deposits.

 Investec - Raisin
4.15% (95 Day) £1,000 / £85,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid On Maturity

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

 LHV - Raisin
4.13% (120 Days) £1,000 / £85,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid On Maturity

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

 LHV - Raisin - 95 Day
4.17% (95 Days) £1,000 / £85,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid On Maturity

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

 OakNorth - Base Rate Tracker
4.12% (95 Day) £1 / £500,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Monthly
  • Added to the account
  • Paid 1st of the month

The interest rate on this account tracks at the Bank of England Base Rate +0.37%. The interest rate will be updated on the following business day after any Base Rate change.

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

You can find out more about them here

 Perenna - Raisin
4.20% (95 Day) £1,000 / £120,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid On Maturity

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

 QIB 31 Day - Raisin
4.15% (31 Day) £1,000 / £85,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid On Maturity

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

 QIB 95 Day - Raisin
4.25% (95 Day) £1,000 / £120,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid On Maturity

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

 StreamBank
4.35% (90 Days) £1,000 / £100,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Monthly
  • Added to the account

Competitive rate from Cardiff based StreamBank who have been a mainstay of our notice best buy tables since their launch in 2023

You can find out more about StreamBank here

 UBL - Raisin
4.16% (95 Days) £1,000 / £85,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • 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 savings platform. You can find out more about Raisin here

 Vida Savings - Raisin
4.15% (95 Day) £1,000 / £85,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid On Maturity

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

Birmingham Bank
4.40% (95 Days) £5,000 / £250,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid on Anniversary
  • Added to the account

Birmingham Bank was previously known as Bira Bank, which was bought by businessman Lee Bushell in January 2020 and rebranded as Birmingham Bank. He sold his interest in April 2023 to Better, the digital home ownership platform

 

BLME
4.37% (90 Day) £10,000 / £1,000,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
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

Castle Trust Bank
4.20% (120 Days) £1,000 / £500,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Annually

Castle Trust Bank was authorised in March 2020 and launched initially to existing customers only before offering fixed rate bonds in August 2021 and ISAs in September 2021

Close Brothers
4.10% (95 Day) £10,000 / £2m

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Annually
  • Paid Compounded
  • Paid annually on 30th June

Close Bank have been trading since 1878, are a FTSE 250 listed company and look after over £6.4bn of savings

You can find out more about them here

Cynergy
4.18% (120 Day) 4.15% (90 Day) 4.12% (35 Day) £500 / £1m

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • 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

GB Bank
4.38% (150 day) 4.08% (120 Day) £1,000 / £100,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid on Anniversary
  • Paid Away or Compounded

Savers must transfer the minimum deposit within 21 days of opening or their account will be automatically closed.

GB Bank was awarded a banking licence (with restrictions) in October 2021 and launched savings on 23rd November 2022.  It is based in Middlesborough and intends to get Britain building by supporting regional SME property developers with development financing.

Kent Reliance
4.25% (60 Day) £1,000 / No maximum

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • 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

Oxbury Bank
4.19% (120 Day) 4.18% (90 Day) 4.17% (65 Day) 4.16% (35 Day) £1,000 / £500,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Monthly
  • 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

Secure Trust Bank
4.21% (90 Day) £1,000 / £1m

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Away or Compounded
  • Paid Quarterly
  • Paid: 31 Mar
  • 30 June
  • 30 Sept
  • 31 Dec

Birmingham based Secure Trust Bank look after over £2bn of deposits.  Their products tend not to be able for long so move quickly if this rate appeals.

Find out more about them here

Secure Trust Bank - 95 Day Tracker
4.21% (95 Day) £1 / £1m

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Away or Compounded
  • Paid Quarterly
  • Paid: 31 Mar
  • 30 June
  • 30 Sept
  • 31 Dec

The interest rate on this account tracks the Bank of England Base Rate plus 0.46%.

Birmingham based Secure Trust Bank look after over £2bn of deposits. 

Find out more about them here

Shawbrook Bank
4.21% (45 Day) £1,000 / £85,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
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

Stafford Railway Building Society
4.26% (180 Day) £5,000 / £450,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Annually
  • Paid Compounded

Only two withdrawals are permitted per Society year (1st November to 31st October) from the 180 Day Notice

Stafford Railway Building Society is the smallest of the UK's 43 building societies

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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