Savings Champion

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Instant Saver Reward	Rainy Day Saver Easy Access (provided by Paragon)*	Sidekick High Yield Cash Reserve	Loyalty Saver	Easy Access

Click here to find out what the * means
AER What's This? This stands for Annual Equivalent Rate and is supposed to help you to compare different savings accounts.
4.85%	4.75%	4.75%	4.75%	4.71%
Gross Interest Rate What's This? This is the initial rate paid, before any tax is deducted. The gross rate will include any bonus that applies at that moment, so it is important to also check the AER.
4.75%	4.65%	4.75%	4.75%	4.61%
Minimum opening balance
£1	£10,000	£1,000	£5,000	£1
How to manage the account
Mobile Banking	Online	Mobile Banking	Branch, Mobile Banking, Online, Telephone	Online
How to apply
Mobile	Online	Mobile	Branch, Mobile, Online, Telephone	Online
Account summary
Easy Access. The Reward rate (4.75%) Gross is paid monthly where a withdrawal is not made and the account is not closed, The Withdrawal rate (3.2%) is paid in any month where a withdrawal is made or the account is closed. Account is applied for through the provider's app, available in the Apple App store or Google Play store. Interest is paid Monthly.	Easy Access. There is no limit to the amount of withdrawals you can make; however, you are unable to withdraw less than £500 in a single withdrawal transaction and a withdrawal will not be authorised if it leaves your balance below £10,000 - in such circumstances, you must arrange for your account to be closed. Interest is paid monthly. Paragon Bank is covered by the Financial Services Compensation Scheme, so funds deposited are protected up to £85,000. Be aware that any funds that you already hold with Paragon Bank will also count towards this limit.	Easy Access. Rate includes including a 0.45% Savings bonus (4.30% paid by OakNorth Bank, 0.45% paid by Sidekick). Bonus payable on the first £35,000 of savings. After 12 months, the interest rate will revert to 4.30% AER variable / 4.21% Gross. This savings account is powered by the provider's partner, OakNorth Bank.OakNorth Bank is covered by the Financial Services Compensation Scheme, so funds deposited are protected up to £85,000 subject to eligibility. Be aware that any funds that you already hold with OakNorth Bank Limited will also count towards this limit.	Easy access. Available to existing Ulster Bank current account customers or those who open an Ulster Bank current account. Interest drops to 2.00% below £5,000 balance.	Easy access. Interest is paid monthly.
Financial Services Compensation Scheme What's This? The Financial Services Compensation Scheme currently protects you up to £85,000 per person, per banking licence (Please note many providers share banking licences). Discover more in our FSCS Licence Information Guide If you want to ensure your savings are fully protected now and in the future, whilst getting the best rates of interest, our Cash Advice Service can help you. Request a free, no obligation conversation to find out more.
Own Licence	Own Licence	Shared Licence	Shared Licence	Shared Licence

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AER What's This?

Gross Interest Rate What's This?

Minimum opening balance

How to manage the account

How to apply

Account summary

Financial Services Compensation Scheme What's This?

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