Savings Champion

1 Year

Top rate: 1.33%

1	2	3	4	5

Fixed Rate Saver	Personal 1 Year Bond Account Fixed Rate - Issue 5	1 year Fixed Term Savings	1 Year Fixed Rate Bond	1 Year Fixed Term Bond

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Term
1 year	1 year	1 year	1 year	1 year
AER What's This? This stands for Annual Equivalent Rate and is supposed to help you to compare different savings accounts.
1.33%	1.30%	1.30%	1.27%	1.25%
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.
1.33%	1.30%	1.29%	1.27%	1.25%
Minimum opening balance
£5,000	£1,000	£1,000	£5,000	£500
How to manage the account
Online	Mobile Banking, Online	Online	Online, Post	Online
How to apply
Online	Online	Online	Online, Post	Online
Account summary
No access within the term. Interest is paid on maturity.	No access within the term. At maturity you can either open a new account with Oxbury or have your money returned to your Linked Account. Interest is paid annually and on Maturity.	No access within the term. Interest is paid into the account on a monthly basis. This account is one of a new range of cash savings accounts from Zopa Bank Limited and are not to be confused with Zopa's Peer-to-Peer Lending products. Please contact us if you have any questions regarding this.	No access within the term. Interest is paid annually or monthly.	No access within the term. Interest is paid on maturity or 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	Own Licence	Own Licence	Own Licence

2 Year

Top rate: 1.56%

1	2	3	4	5

2 years Fixed Term Savings	2 Year Fixed Rate Bond	2 Year Fixed Rate Bond (Online Only)	Personal 2 Year Bond Account - Issue 4	2 Year Fixed Term Bond

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Term
2 years	2 years	2 years	2 years	2 years
AER What's This? This stands for Annual Equivalent Rate and is supposed to help you to compare different savings accounts.
1.56%	1.55%	1.50%	1.50%	1.50%
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.
1.54%	1.55%	1.50%	1.50%	1.50%
Minimum opening balance
£1,000	£10,000	£1,000	£1,000	£500
How to manage the account
Online	Online, Telephone	Online, Telephone	Mobile Banking, Online	Online
How to apply
Online	Online	Online	Online	Online
Account summary
No access within the term. Interest is paid into the account on a monthly basis. This account is one of a new range of cash savings accounts from Zopa Bank Limited and are not to be confused with Zopa's Peer-to-Peer Lending products. Please contact us if you have any questions regarding this.	No access within the term. Interest is paid annually and on maturity. Interest must be paid to a nominated account, it cannot be added to the account.	No access within the term. Interest is paid annually or monthly.	No access within the term. Interest is paid annually.	No access within the term. Interest is paid annually or monthly and on maturity.
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	Own Licence	Own Licence	Own Licence

3 Year

Top rate: 1.81%

1	2	3	4	5

Fixed Term Savings Account - 3 years	3 Year Fixed Term Deposit (Provided by Hoist Finance)	3 Year Fixed Term Deposit (provided by Isbank)*	3 Year Fixed Rate Bond	3 Year Fixed Rate Bond (Online only)

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Term
3 years	3 years	3 years	3 years	3 years
AER What's This? This stands for Annual Equivalent Rate and is supposed to help you to compare different savings accounts.
1.81%	1.78%	1.75%	1.65%	1.60%
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.
1.81%	1.78%	1.75%	1.65%	1.60%
Minimum opening balance
£1,000	£1,000	£1,000	£10,000	£1,000
How to manage the account
Online	Online	Online	Online, Telephone	Online, Telephone
How to apply
Online	Online	Online	Online	Online
Account summary
No access within the term. Interest is paid annually.	This account is available exclusively through the Raisin UK Savings Marketplace and you may be eligible to receive a cash bonus. For more information on Raisin UK, visit raisin.co.uk or call their customer services team on 03301 220 200. No access within the term. Interest is paid on maturity. This savings account is powered by the provider's partner, Hoist Finance AB. Hoist Finance AB are protected by the Swedish Depositor Compensation Scheme, so funds deposited are protected up to a maximum of the GBP equivalent of SEK 1,050,000 at the time of the compensation case. This equates to around £89,000 however the maximum deposit size for this product is limited to £75,000, well below the compensation limit’s maximum. Be aware that any funds that you already hold with Hoist Finance AB will also count towards this limit.	No access within the term. Interest is paid on maturity. This account is available exclusively through the Raisin UK Savings Marketplace and you may be eligible to receive a cash bonus going via this route. For more information on Raisin UK, visit raisin.co.uk or call their customer services team on 03301 220 200. This savings account is powered by the provider's partner Isbank. Meteor Asset Management (MAM), with their administration arm Meteor Investment Management (MIM), will administer the deposit on your behalf. Funds will be remitted to IsBank by MIM on the business day after they arrive in the MIM account. It can therefore take up to 2 business days for an ordered product to be set up and start earning interest. All cash in transit and deposits once established, will be held by MIM and MAM in trust for you under FCA client money and asset rules.	No access within the term. Interest is paid annually and on maturity. Interest must be paid to a nominated account, it cannot be added to the account.	No access within the term. Interest is paid annually or 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	Own Licence	Own Licence	Own Licence

4 Year

Top rate: 1.90%

1	2	3	4	5

Fixed Term Savings Account - 4 years	4 Year Fixed Term Deposit (Provided by Hoist Finance)*	Personal 4 Year Bond Account - Issue 2	4 years Fixed Term Savings	4 Year Fixed Term Deposit

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Term
4 years	4 years	4 years	4 years	4 years
AER What's This? This stands for Annual Equivalent Rate and is supposed to help you to compare different savings accounts.
1.90%	1.80%	1.70%	1.60%	1.57%
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.
1.90%	1.80%	1.70%	1.58%	1.57%
Minimum opening balance
£1,000	£1,000	£1,000	£1,000	£2,000
How to manage the account
Online	Online	Mobile Banking, Online	Online	Branch, Mobile Banking, Online, Post
How to apply
Online	Online	Online	Online	Branch, Mobile, Online, Post
Account summary
No access within the term. Interest is paid annually.	This account is available exclusively through the Raisin UK Savings Marketplace and you may be eligible to receive a cash bonus. For more information on Raisin UK, visit raisin.co.uk or call their customer services team on 03301 220 200. No access within the term. Interest is paid on maturity. This savings account is powered by the provider's partner, Hoist Finance AB. Hoist Finance AB are protected by the Swedish Depositor Compensation Scheme, so funds deposited are protected up to a maximum of the GBP equivalent of SEK 1,050,000 at the time of the compensation case. This equates to around £89,000 however the maximum deposit size for this product is limited to £75,000, well below the compensation limit’s maximum. Be aware that any funds that you already hold with Hoist Finance AB will also count towards this limit.	No access within the term. Interest is paid annually.	No access within the term. Interest is paid into the account on a monthly basis. This account is one of a new range of cash savings accounts from Zopa Bank Limited and are not to be confused with Zopa's Peer-to-Peer Lending products. Please contact us if you have any questions regarding this.	Withdrawals are allowed at the provider's discretion, subject to 365 days' loss of interest. Interest is paid annually, monthly or on maturity. Interest must be paid to a nominated account, it cannot be added to the account unless it is paid on maturity.
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	Own Licence	Own Licence	Own Licence

5 Year

Top rate: 2.00%

1	2	3	4	5

5 Year Fixed Rate Account	Fixed Term Savings Account - 5 years	5 Year Fixed Rate Bond (03.Nov.2026)	5 Year Fixed Term Deposit (Provided by Hoist Finance)*	5 Year Fixed Term Deposit

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Term
5 years	5 years	5 years	5 years	5 years
AER What's This? This stands for Annual Equivalent Rate and is supposed to help you to compare different savings accounts.
2.00%	2.00%	1.85%	1.82%	1.81%
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.
2.00%	2.00%	1.85%	1.82%	1.81%
Minimum opening balance
£1,000	£1,000	£1,000	£1,000	£2,000
How to manage the account
Email, Online, Post, Telephone	Online	Online, Telephone	Online	Branch, Mobile Banking, Online, Post
How to apply
Online	Online	Online	Online	Branch, Mobile, Online, Post
Account summary
No access within the term. If no instructions are received on maturity date, the money will be transferred into a Recognise Notice Account. Interest is paid annually or monthly.	No access within the term. Interest is paid annually.	No access within the term. The maturity date is 03/11/2026. On maturity, the account is transferred to a Matured Funds Access Account. Interest is paid on the 31st of December each year.	This account is available exclusively through the Raisin UK Savings Marketplace and you may be eligible to receive a cash bonus. For more information on Raisin UK, visit raisin.co.uk or call their customer services team on 03301 220 200. No access within the term. Interest is paid on maturity. This savings account is powered by the provider's partner, Hoist Finance AB. Hoist Finance AB are protected by the Swedish Depositor Compensation Scheme, so funds deposited are protected up to a maximum of the GBP equivalent of SEK 1,050,000 at the time of the compensation case. This equates to around £89,000 however the maximum deposit size for this product is limited to £75,000, well below the compensation limit’s maximum. Be aware that any funds that you already hold with Hoist Finance AB will also count towards this limit.	Withdrawals are allowed at the provider's discretion, subject to 365 days' loss of interest. Interest is paid on maturity, annually or monthly. Interest must be paid to a nominated account, it cannot be added to the account unless it is paid on maturity.
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	Own Licence	Own Licence	Own Licence

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Fixed Rate Bonds

1 Year Top rate: 1.33% Show full table Hide full table

1 Year

Top rate: 1.33%

Term

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2 Year Top rate: 1.56% Show full table Hide full table

2 Year

Top rate: 1.56%

Term

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How to apply

Account summary

Financial Services Compensation Scheme What's This?

3 Year Top rate: 1.81% Show full table Hide full table

3 Year

Top rate: 1.81%

Term

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How to manage the account

How to apply

Account summary

Financial Services Compensation Scheme What's This?

4 Year Top rate: 1.90% Show full table Hide full table

4 Year

Top rate: 1.90%

Term

AER What's This?

Gross Interest Rate What's This?

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How to manage the account

How to apply

Account summary

Financial Services Compensation Scheme What's This?

5 Year Top rate: 2.00% Show full table Hide full table

5 Year

Top rate: 2.00%

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Account summary

Financial Services Compensation Scheme What's This?

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1 Year

Top rate: 1.33%

2 Year

Top rate: 1.56%

3 Year

Top rate: 1.81%

4 Year

Top rate: 1.90%

5 Year

Top rate: 2.00%