thisbank 15-Month Fixed Term DepositFixed for 15 months · from £100Beats inflationSole accounts only; open online or in the appDetails for thisbank 15-Month Fixed Term Deposit
Access
No withdrawals during the term (14-day cooling-off; exceptional circumstances only).
Maximum
£500,000
Conditions
UK resident aged 18+ with a UK mobile, email and UK bank account. Sole accounts only; open online or in the app. Interest paid annually and at maturity.
Interest paid
Once a year
Manage by
Online, Mobile app
FSCS licence
THIS BANK LIMITED
Deposit-taker
thisbank, a trading name of THIS BANK LIMITED
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 832786)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £25.6m at 31 March 2025 (latest published accounts).
Tandem Bank 18 Month Fixed Term SaverFixed for 18 months · from £1Beats inflationFunds must come from a verified UK bank accountDetails for Tandem Bank 18 Month Fixed Term Saver
Access
Account locks after the 14-day funding window; no withdrawals until the term ends.
Maximum
£2,500,000
Conditions
Funds must come from a verified UK bank account. Managed in the Tandem app.
Interest paid
Once a year
Manage by
Mobile app, Online
FSCS licence
Tandem Bank Limited
Deposit-taker
Tandem Bank, a trading name of Tandem Bank Limited
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 204479)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £188m at 31 December 2025 (latest published accounts).
Membership required: you must be 18 or over and live or work in Bristol, Bath, Gloucestershire, Wiltshire, Somerset or Dorset. Deposit £1,000 to £110,000. Cashback of £10 to £50 while the limited offer lasts.
Interest paid
When the term ends
Manage by
Online
FSCS licence
Great Western Credit Union Ltd
Deposit-taker
Great Western Credit Union, a trading name of Great Western Credit Union Ltd
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 213583)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Capital and reserves of -£3.3m (negative) at 30 September 2025 (latest published accounts).
No early withdrawals or additional deposits once open.
Maximum
£1,000,000
Conditions
Expected profit rate, not interest. UK resident aged 18+ with a UK bank account; apply online. Rates indicative and subject to availability, as of 23 October 2026.
Interest paid
Once a year
Manage by
Online
FSCS licence
Bank of London and The Middle East plc
Deposit-taker
Bank of London and The Middle East (BLME), a trading name of Bank of London and The Middle East plc
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 464292)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £224.1m at 31 December 2025 (annual report 2025)
Interest annually at the AER shown, or monthly at a lower rate. Apply online or by post. Minimum £1,000 read on the 1 Year Fixed Rate page; assumed the same for this term.
Interest paid
Once a year
Manage by
Online, Post
FSCS licence
Paragon Bank PLC
Deposit-taker
Paragon Bank, a trading name of Paragon Bank PLC
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 604551)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £1,046m at 30 September 2025 (latest published accounts).
Early-withdrawal terms are not stated on the bank's rates page.
Maximum
£100,000
Conditions
Rate applies to any term over 1 year to under 2 years; termMonths shows the shortest term in the band. Retail rates apply to deposits up to £100,000 (page: 'applicable for Retail Customers for deposit upto 100000'). Open at a UK branch (London, Birmingham, Leicester, Wembley, Glasgow); no online application shown. Interest payment frequency and early-withdrawal terms not stated on the rates page. Rates w.e.f. 11/09/2026 as printed.
Interest paid
Once a year
Manage by
Branch
FSCS licence
Bank of India
Deposit-taker
Bank of India (UK), a trading name of Bank of India
Incorporated in
India
Principal place of business
United Kingdom (UK branch, 63 Queen Victoria Street, London EC4N 4UA)
Regulated
Yes, by the Prudential Regulation Authority, Financial Conduct Authority and Reserve Bank of India (FRN 204629)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £7.4bn (shareholders' equity of Bank of India, of which the UK operation is a branch) at 31 March 2026 (latest published accounts).
Metro Bank Fixed Term Savings (18 Month)Fixed for 18 months · from £500Beats inflationLump sum only, min £500, max £2mDetails for Metro Bank Fixed Term Savings (18 Month)
Access
One lump sum only; no withdrawals or closure after the 14-day cancellation period until the term ends.
Maximum
£2,000,000
Conditions
UK resident aged 16+ (18+ to apply online). Lump sum only, min £500, max £2m. Interest annually or monthly (3.64% gross / 3.70% AER).
Interest paid
Once a year
Manage by
Online, Mobile app, Branch
FSCS licence
Metro Bank PLC
Deposit-taker
Metro Bank, a trading name of Metro Bank PLC
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 488982)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £1,484m at 31 December 2025, for its group (latest published accounts).
Highest AER first, then the lower minimum deposit. Ranking rules version 1.2.0. AER shows what you'd earn in a year including any bonus. Rates can change at any time: check with the bank before you apply. Lifetime ISA rates are the provider's interest only; the government's 25% bonus is not in the AER. Lifetime ISAs, Junior ISAs and children's accounts are ranked only against their own kind, and Premium Bonds, which pay prizes rather than interest, are never ranked: see NS&I and Premium Bonds. NS&I accounts are backed by HM Treasury, not the FSCS. We list accounts held directly with the bank, not savings sold through apps and platforms such as Revolut, Trading 212 or Raisin. "Beats inflation" means the AER, and the rate after any bonus, is above CPI inflation of 3.5% (September 2026, ONS), before tax. How we rank, what we don't list and how we're paid.
