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).
LHV Bank 9 Month Fixed Rate BondFixed for 9 months · from £1,000Beats inflationNeeds the bank's current accountDetails for LHV Bank 9 Month Fixed Rate Bond
Access
No withdrawals during the term.
Maximum
£1,000,000
Conditions
Aged 18+, sole accounts only. Requires an LHV current account; apply in the LHV Bank app.
Interest paid
When the term ends
Manage by
Mobile app
FSCS licence
LHV BANK LIMITED
Deposit-taker
LHV Bank, a trading name of LHV BANK LIMITED
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 993767)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £107m at 31 December 2025 (latest published accounts).
Withdrawals normally only at maturity; early closure only in exceptional circumstances with the bank's approval.
Conditions
New customers must be resident in Northern Ireland; existing Danske customers must be UK resident. Aged 18+. Must hold a Danske current account or instant access savings account for the full term. Rate shown is for balances £5,000-£249,999.
Interest paid
When the term ends
Manage by
Branch, Phone, Online
FSCS licence
Northern Bank Limited
Deposit-taker
Danske Bank, a trading name of Northern Bank Limited
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 122261)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £969m at 31 December 2025 (latest published accounts).
Aged 18 or over, permanent UK resident (not Channel Islands or Isle of Man) and tax-resident only in the UK. Must hold a UK current account and a UK mobile number. Sole accounts only. Interest at maturity; monthly interest option pays 3.02% AER.
Interest paid
When the term ends
Manage by
Online
FSCS licence
Conister Bank Limited
Deposit-taker
Conister Bank, a trading name of Conister Bank Limited
Incorporated in
Isle of Man
Principal place of business
Isle of Man (UK branch: Basingstoke)
Regulated
Yes, by the Isle of Man Financial Services Authority, Prudential Regulation Authority and Financial Conduct Authority (FRN 619002)
Protection and disputes
Financial Services Compensation Scheme (deposits held by its UK establishment) and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £49.2m at 31 December 2025 (latest published accounts).
Our group
Part of Manx Financial Group, which also owns Juno Hunt. Ranked by rate alone, exactly like every other bank.
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.
