35 days
OakNorth Bank - Personal 35 Day Notice Deposit Account
Notice Required
Paid Interest
monthly
Gross Rate
1.36%
Minimum Deposit
£1
Maximum Deposit
£500,000
Raisin UK - ICICI Bank UK - 95 Day Notice
Notice Required
-2147483647 days
Paid Interest
monthly
Gross Rate
0.85%
Minimum Deposit
£1,000
Maximum Deposit
£85,000
ICICI Bank UK Plc - HiSAVE 95 Day Notice Ex/C
Notice Required
95 days
Paid Interest
monthly
Gross Rate
0.85%
Minimum Deposit
£1
Maximum Deposit
£0
Ecology Building Society - 90-Day Notice Ex/C
Notice Required
90 days
Paid Interest
annually
Gross Rate
0.8%
Minimum Deposit
£500
Maximum Deposit
£125,000
Ecology Building Society - 90-Day Notice Ex/C
Notice Required
90 days
Paid Interest
annually
Gross Rate
0.7%
Minimum Deposit
£500
Maximum Deposit
£125,000
OakNorth Bank - Personal 120 Day Notice Deposit Account
Notice Required
120 days
Paid Interest
monthly
Gross Rate
0.58%
Minimum Deposit
£1
Maximum Deposit
£500,000
OakNorth Bank - Personal 90 Day Notice Deposit Account
Notice Required
90 days
Paid Interest
monthly
Gross Rate
0.56%
Minimum Deposit
£1
Maximum Deposit
£500,000
Marsden - Branch Saver 95 (Issue 10)
Notice Required
95 days
Paid Interest
annually
Gross Rate
0.55%
Minimum Deposit
£1,000
Maximum Deposit
£250,000
Chorley & District Building Society - 60 Day Notice Account Issue 4 Ex/C
Notice Required
60 days
Paid Interest
annually
Gross Rate
0.55%
Minimum Deposit
£1
Maximum Deposit
£500,000
Chorley & District Building Society - 30 Day Notice Account Issue 3 Ex/C
Notice Required
30 days
Paid Interest
annually
Gross Rate
0.5%
Minimum Deposit
£1
Maximum Deposit
£500,000
Ecology Building Society - 90-Day Notice Ex/C
Notice Required
90 days
Paid Interest
annually
Gross Rate
0.5%
Minimum Deposit
£500
Maximum Deposit
£125,000
Darlington Building Society - Member Exclusive 45 Day Account Ex/C
Notice Required
45 days
Paid Interest
annually
Gross Rate
0.5%
Minimum Deposit
£1
Maximum Deposit
£25,000
RCI Bank - 95 Day Notice Savings Account Monthly
Notice Required
95 days
Paid Interest
monthly
Gross Rate
0.45%
Minimum Deposit
£1,000
Maximum Deposit
£1,000,000
Marsden - Branch Saver 95 (Issue 10)
Notice Required
95 days
Paid Interest
annually
Gross Rate
0.45%
Minimum Deposit
£1,000
Maximum Deposit
£250,000
Raisin UK - ICICI Bank UK - 45 Day Notice
Notice Required
-2147483647 days
Paid Interest
monthly
Gross Rate
0.45%
Minimum Deposit
£1,000
Maximum Deposit
£85,000
RCI Bank - 95 Day Notice Savings Account
Notice Required
95 days
Paid Interest
annually
Gross Rate
0.45%
Minimum Deposit
£1,000
Maximum Deposit
£1,000,000
ICICI Bank UK Plc - HiSAVE 45 Day Notice Ex/C
Notice Required
45 days
Paid Interest
monthly
Gross Rate
0.45%
Minimum Deposit
£1
Maximum Deposit
£0
Yorkshire Building Society - 90 Day Notice Issue 5
Notice Required
90 days
Paid Interest
annually
Gross Rate
0.45%
Minimum Deposit
£100
Maximum Deposit
£2,000,000
Shawbrook Bank - 120 Day Notice Personal Savings Acc - Issue 47 M
Notice Required
120 days
Paid Interest
monthly
Gross Rate
0.43%
Minimum Deposit
£1,000
Maximum Deposit
£500,000
Shawbrook Bank - 45 Day Notice Account Issue 7
Notice Required
45 days
Paid Interest
annually
Gross Rate
0.41%
Minimum Deposit
£1,000
Maximum Deposit
£500,000
Shawbrook Bank - 45 Day Notice Account Issue 7 Monthly
Notice Required
45 days
Paid Interest
monthly
Gross Rate
0.41%
Minimum Deposit
£1,000
Maximum Deposit
£500,000
Secure Trust Bank - 45 Day Notice Account (20.Jan.2021)
Notice Required
45 days
Paid Interest
quarterly
Gross Rate
0.4%
Minimum Deposit
£1,000
Maximum Deposit
£1,000,000
Aldermore - 30 Day Notice Account Issue 11
Notice Required
30 days
Paid Interest
annually
Gross Rate
0.4%
Minimum Deposit
£1,000
Maximum Deposit
£1,000,000
Tipton & Coseley - 30 Day Notice Midlands Air Ambulance Saver (Iss 2)
Notice Required
30 days
Paid Interest
annually
Gross Rate
0.4%
Minimum Deposit
£100
Maximum Deposit
£100,000
Tipton & Coseley - Midlands Air Ambulance Saver (App) (Issue 2)
Notice Required
30 days
Paid Interest
annually
Gross Rate
0.4%
Minimum Deposit
£100
Maximum Deposit
£100,000
Aldermore - 30 Day Notice Account Issue 11 Monthly
Notice Required
30 days
Paid Interest
monthly
Gross Rate
0.4%
Minimum Deposit
£1,000
Maximum Deposit
£1,000,000
Tipton & Coseley - 30 Day Community Notice Affinity Saver (Issue 2)
Notice Required
30 days
Paid Interest
annually
Gross Rate
0.4%
Minimum Deposit
£100
Maximum Deposit
£100,000
Raisin UK - Teachers Building Society - 90 Day Notice
Notice Required
-2147483647 days
Paid Interest
monthly
Gross Rate
0.35%
Minimum Deposit
£1,000
Maximum Deposit
£85,000
Saffron Building Society - 30 Day Notice Saver (Issue 3)
Notice Required
30 days
Paid Interest
annually
Gross Rate
0.35%
Minimum Deposit
£5,000
Maximum Deposit
£500,000
Ecology Building Society - 90-Day Notice Ex/C
Notice Required
90 days
Paid Interest
annually
Gross Rate
0.35%
Minimum Deposit
£500
Maximum Deposit
£125,000
The Family Building Society - 35 Day Notice Saver (3) Monthly
Notice Required
35 days
Paid Interest
monthly
Gross Rate
0.35%
Minimum Deposit
£5,000
Maximum Deposit
£250,000
The Family Building Society - 35 Day Notice Saver (3)
Notice Required
35 days
Paid Interest
annually
Gross Rate
0.35%
Minimum Deposit
£1,000
Maximum Deposit
£250,000
Secure Trust Bank - 30 Day Notice Account (21.Jan.2021)
Notice Required
30 days
Paid Interest
quarterly
Gross Rate
0.3%
Minimum Deposit
£1,000
Maximum Deposit
£1,000,000
Monmouthshire Building Society - 60 Day Notice Account - Issue 4 Monthly
Notice Required
60 days
Paid Interest
monthly
Gross Rate
0.3%
Minimum Deposit
£1,000
Maximum Deposit
£500,000
Stafford Railway - Notice 35 Account
Notice Required
35 days
Paid Interest
annually
Gross Rate
0.3%
Minimum Deposit
£5,000
Maximum Deposit
£75,000
Buckinghamshire Building Society - Chiltern Notice 30 Monthly
Notice Required
30 days
Paid Interest
monthly
Gross Rate
0.3%
Minimum Deposit
£100
Maximum Deposit
£500,000
Monmouthshire Building Society - 60 Day Notice Account - Issue 4
Notice Required
60 days
Paid Interest
annually
Gross Rate
0.3%
Minimum Deposit
£1,000
Maximum Deposit
£500,000
Raisin UK - OakNorth - 60 Day Notice
Notice Required
-2147483647 days
Paid Interest
monthly
Gross Rate
0.25%
Minimum Deposit
£1,000
Maximum Deposit
£85,000
Raisin UK - Teachers Building Society - 35 Day Notice
Notice Required
-2147483647 days
Paid Interest
monthly
Gross Rate
0.25%
Minimum Deposit
£1,000
Maximum Deposit
£85,000
The Family Building Society - 35 Day Notice Saver (3) Monthly
Notice Required
35 days
Paid Interest
monthly
Gross Rate
0.25%
Minimum Deposit
£5,000
Maximum Deposit
£250,000
The Family Building Society - 35 Day Notice Saver (3)
Notice Required
35 days
Paid Interest
annually
Gross Rate
0.25%
Minimum Deposit
£1,000
Maximum Deposit
£250,000
Marsden - Branch Saver 95 (Issue 10)
Notice Required
95 days
Paid Interest
annually
Gross Rate
0.2%
Minimum Deposit
£1,000
Maximum Deposit
£250,000
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Balancing better returns against access to your savings
If you’ve got an easy access savings account, you can get to your money whenever you want. However, interest on easy access accounts tends to be pretty low. In fact, you’re often better off with a simple current account, depending on how much you want to save. If you open a notice account, then you’ll need to give your bank a certain amount of notice before withdrawing any cash. If you’re willing to sacrifice immediate access to your money, you’ll generally be rewarded with higher returns.
Notice periods
The length of the notice period you’re required to give can be quite long - up to 180 days in many cases, and rarely below 90 days. Make sure that you only put away what you can afford to keep out of reach for that long. If you’re confident that you won’t need to access your money at all, then you’ll get even better returns on a fixed rate bond.
Alternative savings options
As a general rule, the longer you lock your money away for, and the more you reduce your access to it, the better your returns will be. If you’ve got a lump sum you’re happy to lock away for a while, a fixed-rate bond will offer you a simple, low-maintenance option with reasonably good interest. Remember though: you can’t top up the balance of a fixed rate bond. If you want a good savings account that you can drip feed, consider a cash ISA.