95 days
Investec Bank - 95 Day Notice Plus - 0% Access
Notice Required
Paid Interest
monthly
Gross Rate
1.85%
Minimum Deposit
£10,000
Maximum Deposit
£1,000,000
Investec Bank - 95 Day Notice Plus - 10% Access
Notice Required
95 days
Paid Interest
monthly
Gross Rate
1.8%
Minimum Deposit
£10,000
Maximum Deposit
£1,000,000
Investec Bank - 95 Day Notice Plus - 20% Access
Notice Required
95 days
Paid Interest
monthly
Gross Rate
1.75%
Minimum Deposit
£10,000
Maximum Deposit
£1,000,000
Investec Bank - 65 Day Notice Plus - 0% Access
Notice Required
65 days
Paid Interest
monthly
Gross Rate
1.55%
Minimum Deposit
£10,000
Maximum Deposit
£1,000,000
Investec Bank - 65 Day Notice Plus - 10% Access
Notice Required
65 days
Paid Interest
monthly
Gross Rate
1.5%
Minimum Deposit
£10,000
Maximum Deposit
£1,000,000
Ecology Building Society - 90-Day Notice Ex/C
Notice Required
90 days
Paid Interest
annually
Gross Rate
1.45%
Minimum Deposit
£500
Maximum Deposit
£125,000
Investec Bank - 35 Day Notice Plus - 0% Access
Notice Required
35 days
Paid Interest
monthly
Gross Rate
1.45%
Minimum Deposit
£10,000
Maximum Deposit
£1,000,000
Investec Bank - 65 Day Notice Plus - 20% Access
Notice Required
65 days
Paid Interest
monthly
Gross Rate
1.45%
Minimum Deposit
£10,000
Maximum Deposit
£1,000,000
Darlington Building Society - Member Exclusive 45 Day Account Ex/C
Notice Required
45 days
Paid Interest
annually
Gross Rate
1.4%
Minimum Deposit
£1
Maximum Deposit
£25,000
Investec Bank - 35 Day Notice Plus - 10% Access
Notice Required
35 days
Paid Interest
monthly
Gross Rate
1.4%
Minimum Deposit
£10,000
Maximum Deposit
£1,000,000
OakNorth Bank - Personal 35 Day Notice Deposit Account
Notice Required
35 days
Paid Interest
monthly
Gross Rate
1.36%
Minimum Deposit
£1
Maximum Deposit
£500,000
Ecology Building Society - 90-Day Notice Ex/C
Notice Required
90 days
Paid Interest
annually
Gross Rate
1.35%
Minimum Deposit
£500
Maximum Deposit
£125,000
Melton Mowbray - Online LOROS 90 Day Notice
Notice Required
90 days
Paid Interest
annually
Gross Rate
1.35%
Minimum Deposit
£1,000
Maximum Deposit
£250,000
Melton Mowbray - Online Home-Start Horizons 90 Day Notice Affinity
Notice Required
90 days
Paid Interest
monthly
Gross Rate
1.36%
Minimum Deposit
£500
Maximum Deposit
£250,000
Melton Mowbray - Online Phoenix 90 Day Notice
Notice Required
90 days
Paid Interest
monthly
Gross Rate
1.36%
Minimum Deposit
£100
Maximum Deposit
£250,000
Melton Mowbray - Home-Start Horizons 90 Day Notice Affinity
Notice Required
90 days
Paid Interest
monthly
Gross Rate
1.36%
Minimum Deposit
£100
Maximum Deposit
£500,000
Investec Bank - 35 Day Notice Plus - 20% Access
Notice Required
35 days
Paid Interest
monthly
Gross Rate
1.35%
Minimum Deposit
£10,000
Maximum Deposit
£1,000,000
Monmouthshire Building Society - 60 Day Notice Account - Issue 2
Notice Required
60 days
Paid Interest
annually
Gross Rate
1.3%
Minimum Deposit
£1,000
Maximum Deposit
£500,000
Aldermore - 30 Day Notice Account Issue 7
Notice Required
30 days
Paid Interest
annually
Gross Rate
1.3%
Minimum Deposit
£1,000
Maximum Deposit
£1,000,000
Buckinghamshire Building Society - Chiltern Notice 90
Notice Required
90 days
Paid Interest
annually
Gross Rate
1.25%
Minimum Deposit
£100
Maximum Deposit
£500,000
Buckinghamshire Building Society - Chiltern Notice 90 Monthly
Notice Required
90 days
Paid Interest
monthly
Gross Rate
1.26%
Minimum Deposit
£100
Maximum Deposit
£500,000
Hinckley & Rugby Building Society - Rainy Day 90 Day Notice Account Monthly
Notice Required
90 days
Paid Interest
monthly
Gross Rate
1.26%
Minimum Deposit
£5,000
Maximum Deposit
£300,000
Melton Mowbray - Online Homesave
Notice Required
30 days
Paid Interest
monthly
Gross Rate
1.26%
Minimum Deposit
£100
Maximum Deposit
£20,000
Hinckley & Rugby Building Society - Rainy Day 90 Day Notice Account
Notice Required
90 days
Paid Interest
annually
Gross Rate
1.25%
Minimum Deposit
£2,500
Maximum Deposit
£300,000
Hinckley & Rugby Building Society - 90 Day Notice Postal Account
Notice Required
90 days
Paid Interest
annually
Gross Rate
1.25%
Minimum Deposit
£2,500
Maximum Deposit
£300,000
Melton Mowbray - Homesave Account
Notice Required
30 days
Paid Interest
monthly
Gross Rate
1.26%
Minimum Deposit
£100
Maximum Deposit
£20,000
Darlington Building Society - 35 Day Notice Account
Notice Required
35 days
Paid Interest
annually
Gross Rate
1.2%
Minimum Deposit
£1
Maximum Deposit
£500,000
Skipton Building Society - 90 Day Notice Account Issue 6
Notice Required
90 days
Paid Interest
annually
Gross Rate
1.2%
Minimum Deposit
£1
Maximum Deposit
£1,000,000
Ecology Building Society - 90-Day Notice Ex/C
Notice Required
90 days
Paid Interest
annually
Gross Rate
1.15%
Minimum Deposit
£500
Maximum Deposit
£125,000
Saffron Building Society - 30 Day Notice Saver (Issue 2)
Notice Required
30 days
Paid Interest
annually
Gross Rate
1.1%
Minimum Deposit
£5,000
Maximum Deposit
£500,000
Tipton & Coseley - 30 Day Community Notice Affinity Saver
Notice Required
30 days
Paid Interest
annually
Gross Rate
1.1%
Minimum Deposit
£1,000
Maximum Deposit
£100,000
Monmouthshire Building Society - Smart Tracker 30 Day Notice - Issue 3
Notice Required
30 days
Paid Interest
annually
Gross Rate
1.05%
Minimum Deposit
£1,000
Maximum Deposit
£500,000
Buckinghamshire Building Society - Chiltern Notice 30 Monthly
Notice Required
30 days
Paid Interest
monthly
Gross Rate
1.06%
Minimum Deposit
£100
Maximum Deposit
£500,000
Hinckley & Rugby Building Society - Rainy Day 90 Day Notice Account
Notice Required
90 days
Paid Interest
annually
Gross Rate
1%
Minimum Deposit
£2,500
Maximum Deposit
£300,000
Hinckley & Rugby Building Society - Rainy Day 90 Day Notice Account Monthly
Notice Required
90 days
Paid Interest
monthly
Gross Rate
1%
Minimum Deposit
£5,000
Maximum Deposit
£300,000
Darlington Building Society - 7 Day Notice Account
Notice Required
7 days
Paid Interest
annually
Gross Rate
1%
Minimum Deposit
£1
Maximum Deposit
£500,000
Ecology Building Society - 90-Day Notice Ex/C
Notice Required
90 days
Paid Interest
annually
Gross Rate
1%
Minimum Deposit
£500
Maximum Deposit
£125,000
Hinckley & Rugby Building Society - Rainy Day 90 Day Notice Account Monthly
Notice Required
90 days
Paid Interest
monthly
Gross Rate
0.95%
Minimum Deposit
£5,000
Maximum Deposit
£300,000
Hinckley & Rugby Building Society - Rainy Day 90 Day Notice Account
Notice Required
90 days
Paid Interest
annually
Gross Rate
0.95%
Minimum Deposit
£2,500
Maximum Deposit
£300,000
Buckinghamshire Building Society - Chiltern Notice 90 Monthly
Notice Required
90 days
Paid Interest
monthly
Gross Rate
0.9%
Minimum Deposit
£100
Maximum Deposit
£500,000
Buckinghamshire Building Society - Chiltern Notice 90
Notice Required
90 days
Paid Interest
annually
Gross Rate
0.9%
Minimum Deposit
£100
Maximum Deposit
£500,000
Buckinghamshire Building Society - Chiltern Notice 30 Monthly
Notice Required
30 days
Paid Interest
monthly
Gross Rate
0.85%
Minimum Deposit
£100
Maximum Deposit
£500,000
Hinckley & Rugby Building Society - Rainy Day 90 Day Notice Account
Notice Required
90 days
Paid Interest
annually
Gross Rate
0.55%
Minimum Deposit
£2,500
Maximum Deposit
£300,000
Hinckley & Rugby Building Society - Rainy Day 90 Day Notice Account Monthly
Notice Required
90 days
Paid Interest
monthly
Gross Rate
0.55%
Minimum Deposit
£5,000
Maximum Deposit
£300,000
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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.