Best Notice Accounts

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Notice

Account Management

Account Opening

Todays Best Notice Accounts

Bank of London and The Middle East 90 Day Notice Account (Issue 1)

AER

1.71%
Expected Rate

Account Type
Variable

Notice / Term
90 Day

Interest Paid
Quarterly

Opening Account

Managing Account

Go To Provider's Site

Rates

Access

Information

Opening Restrictions

Additional Information

Rates

Rate 1.70% paid at £10K

AER 1.71% paid at £10K

Expected Profit Paid Quarterly

Interest payment Interest must be paid away

Min Opening Amount £10,000

Max Investment £1,000,000

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
N/A

Further Additions Allowed

Information

Min Age 18

Max Age 0

Taxation
Interest is paid without tax being deducted, but may be taxable depending on your personal circumstances

Opening Restrictions

N/A

Additional Information

This bank operates under Islamic finance principles, the rates displayed represent the expected profit rate.

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
Paragon Bank 120 Day Notice (Issue 11)

AER

1.70%

Account Type
Variable

Notice / Term
120 Day

Interest Paid
Anniversary

Opening Account

Managing Account

Go To Provider's Site

Rates

Access

Information

Opening Restrictions

Additional Information

Rates

Rate 1.70% paid at £500

AER 1.70% paid at £500

Interest Paid Anniversary

Interest payment Interest can be paid away or compounded

Min Opening Amount £500

Max Investment £500,000

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
N/A

Further Additions Allowed

Information

Min Age 18

Max Age 0

Taxation
Interest is paid without tax being deducted, but may be taxable depending on your personal circumstances

Opening Restrictions

N/A

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
Paragon Bank 120 Day Notice (Issue 11)

AER

1.70%

Account Type
Variable

Notice / Term
120 Day

Interest Paid
Monthly

Opening Account

Managing Account

Go To Provider's Site

Rates

Access

Information

Opening Restrictions

Additional Information

Rates

Rate 1.69% paid at £500

AER 1.70% paid at £500

Interest Paid Monthly

Interest payment Interest can be paid away or compounded

Min Opening Amount £500

Max Investment £500,000

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
N/A

Further Additions Allowed

Information

Min Age 18

Max Age 0

Taxation
Interest is paid without tax being deducted, but may be taxable depending on your personal circumstances

Opening Restrictions

N/A

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
RCI Bank UK Freedom Savings Account

AER

1.35%

Account Type
Variable

Notice / Term
None

Interest Paid
Anniversary

Opening Account

Managing Account

Go To Provider's Site

Rates

Access

Information

Opening Restrictions

Additional Information

Rates

Rate 1.35% paid at £100

AER 1.35% paid at £100

Interest Paid Anniversary

Interest payment Interest must be compounded

Min Opening Amount £100

Max Investment £1,000,000

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
N/A

Further Additions Allowed

Information

Min Age 18

Max Age 0

Taxation
Interest is paid without tax being deducted, but may be taxable depending on your personal circumstances

Opening Restrictions

N/A

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
RCI Bank UK Freedom Savings Account

AER

1.35%

Account Type
Variable

Notice / Term
None

Interest Paid
Monthly

Opening Account

Managing Account

Go To Provider's Site

Rates

Access

Information

Opening Restrictions

Additional Information

Rates

Rate 1.34% paid at £100

AER 1.35% paid at £100

Interest Paid Monthly

Interest payment Interest must be compounded

Min Opening Amount £100

Max Investment £1,000,000

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
N/A

Further Additions Allowed

Information

Min Age 18

Max Age 0

Taxation
Interest is paid without tax being deducted, but may be taxable depending on your personal circumstances

Opening Restrictions

N/A

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
Aldermore 30 Day Notice Issue 7

AER

1.30%

Account Type
Variable

Notice / Term
30 Day

Interest Paid
Anniversary

Opening Account

Managing Account

Go To Provider's Site

Rates

Access

Information

Opening Restrictions

Additional Information

Rates

Rate 1.30% paid at £1K

AER 1.30% paid at £1K

Interest Paid Anniversary

Interest payment Interest can be paid away or compounded

Min Opening Amount £1,000

Max Investment £1,000,000

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
N/A

Further Additions Allowed

Information

Min Age 18

Max Age 0

Taxation
Interest is paid without tax being deducted, but may be taxable depending on your personal circumstances

Opening Restrictions

N/A

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
Aldermore 30 Day Notice Issue 7

AER

1.30%

Account Type
Variable

Notice / Term
30 Day

Interest Paid
Monthly

Opening Account

Managing Account

Go To Provider's Site

Rates

Access

Information

Opening Restrictions

Additional Information

Rates

Rate 1.29% paid at £1K

AER 1.30% paid at £1K

Interest Paid Monthly

Interest payment Interest can be paid away or compounded

Min Opening Amount £1,000

Max Investment £1,000,000

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
N/A

Further Additions Allowed

Information

Min Age 18

Max Age 0

Taxation
Interest is paid without tax being deducted, but may be taxable depending on your personal circumstances

Opening Restrictions

N/A

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
Family Building Society Online Saver (1)

AER

1.26%

Account Type
Variable

Notice / Term
None

Interest Paid
Yearly

Opening Account

Managing Account

Go To Provider's Site

Rates

Access

Information

Opening Restrictions

Additional Information

Rates

Rate 1.26% paid at £100

AER 1.26% paid at £100

Interest Paid Yearly

Interest payment Interest must be compounded

Min Opening Amount £100

Max Investment £250,000

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
N/A

Further Additions Allowed

Information

Min Age 16

Max Age 0

Taxation
Interest is paid without tax being deducted, but may be taxable depending on your personal circumstances

Opening Restrictions

N/A

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with
National Counties BS.

Go To Provider's Site
Aldermore Easy Access Issue 11

AER

1.25%

Account Type
Variable

Notice / Term
None

Interest Paid
Anniversary

Opening Account

Managing Account

Go To Provider's Site

Rates

Access

Information

Opening Restrictions

Additional Information

Rates

Rate 1.25% paid at £1K

AER 1.25% paid at £1K

Interest Paid Anniversary

Interest payment Interest can be paid away or compounded

Min Opening Amount £1,000

Max Investment £1,000,000

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
N/A

Further Additions Allowed

Information

Min Age 18

Max Age 0

Taxation
Interest is paid without tax being deducted, but may be taxable depending on your personal circumstances

Opening Restrictions

N/A

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site
Aldermore Easy Access Issue 11

AER

1.25%

Account Type
Variable

Notice / Term
None

Interest Paid
Monthly

Opening Account

Managing Account

Go To Provider's Site

Rates

Access

Information

Opening Restrictions

Additional Information

Rates

Rate 1.24% paid at £1K

AER 1.25% paid at £1K

Interest Paid Monthly

Interest payment Interest can be paid away or compounded

Min Opening Amount £1,000

Max Investment £1,000,000

Introductory bonus N/A

Access

Withdrawals Allowed

Early Access Allowed

Access Note
N/A

Further Additions Allowed

Information

Min Age 18

Max Age 0

Taxation
Interest is paid without tax being deducted, but may be taxable depending on your personal circumstances

Opening Restrictions

N/A

Additional Information

N/A

How safe is your money?

In the UK, the first £85,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. Deposits of small companies, partnerships and charities are also covered by the scheme. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this.
This bank/building society shares its compensation limit with no other bank or building society.

Go To Provider's Site

Select a Savings Account

Note

Eligible deposits with UK institutions are protected by the Financial Services Compensation Scheme up to a maximum level of protection of £85,000 per person per institution.

Disclaimer

All rates subject to change without notice. Please check all rates and terms before investing or borrowing.

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At a glance

Notice savings accounts require you to give notice to your savings provider before you can withdraw your funds.
They typically pay variable rates of interest, and tend to pay higher rates than easy access accounts.
Notice periods typically range from a few weeks to several months.
A notice account can offer a valuable compromise between higher returns and short-term access.

Why choose a notice account?

The main reason to get such a notice account is because they can offer higher interest rates than on an instant access account without asking you to lock your money away for at least a year, as you would generally have to do with a fixed rate bond. Naturally, the returns on these accounts will vary, with a longer notice term usually (but not always) resulting in a higher interest rate.

In the same vein, it may be the case that you can get an easy access account that pays a similar or even better rate, which is why it’s so important to do your research before you decide on a savings account. Note that both easy access accounts and notice accounts tend to offer variable rates of interest, which means the interest that is offered when you open the account may be changed by the provider later on.

Do I always have to give notice to withdraw money?

Looking into notice accounts more closely, you’ll see that some allow you to withdraw your money early, although this typically results in a penalty equal to the number of days’ notice you were supposed to give. On the opposite side of the spectrum, you’ll also find accounts that restrict the number of withdrawals you can make per year, so you won’t just have to schedule in when you want access to your savings but also keep the extra limitations in mind.

As notice periods can vary from 30 days to half a year, savers will have to decide for themselves what the best notice account is for them and if they think they’ll need to withdraw money at shorter notice. Don’t forget to consider how you can manage the account, either, as this will limit how quickly you’ll be able to request access.

What notice account is best for me?

As stated, the notice account that’s best for you will depend largely on your personal circumstances. However, there are some questions you can ask yourself to narrow down the search.

First and foremost, you’ll want to ask yourself how long you can afford to wait to gain access to your cash. If you want to set the money aside for an emergency fund, you’ll want the option to not give any notice at all, as you never know when something will break that needs fixing. Because of the notice penalty that is likely to come with this, it might be a good idea to get an account with a short notice period, or even an easy access account for complete flexibility. If you want to use a notice account to save up for your wedding or a holiday, the choice becomes much easier, as you’ll know exactly on what date you’ll need to access the money again.

Second, you could ask yourself how flexible you want the account to be. Are you happy to sign up for an account that doesn’t even allow early access on a penalty, or would you like the option to make withdrawals even if it will cost you?

Other things to watch out for when it comes to account details is to make sure the deposit requirement fits your needs, so you can put away as much or as little as you want, and that you can open and manage the account via the method that is most suitable to your situation. You can find all this information in the above details of your potential account. Once you’ve got your personal criteria figured out, you can simply look for the account that offers the highest interest rate for the notice period you are after.

What happens if I change my mind after giving notice?

If you change your mind, it’s best to contact your provider directly, especially if they only allow a limited number of withdrawals per year.

If I’m withdrawing from a joint account, do both of us need to give notice?

Joint accounts usually consider both savers equal owners of the funds in the account. As such, either one of you should be able to give notice and withdraw funds separately. However, always check with the specific provider to make sure what their particular policy is, as some may require a main account holder to be appointed.

Alternatives to a notice savings account

Notice accounts can be a great way to save without having to give up control of your money completely. However, they won’t be right for everyone.

As an alternative, an easy access account (with or without fixed bonus) is great for that essential emergency savings pot and allows you not to worry about giving notice or being penalised for needing urgent access. Fixed rate bonds, meanwhile, are suitable for large pots of money that you know you won’t need access to for a while and you want to get as high a rate of interest on as is possible.

You could also consider one of the top monthly interest paying accounts, which can be easy access, notice or even fixed rate products. What they all have in common is that interest is paid on a monthly basis, allowing you to gain a steady income from your savings or compound interest throughout the year.

With no restriction on the number of savings accounts you can open in a year, you can have all kinds of different accounts. Indeed, it’s probably sensible to have an emergency pot as well as a savings account that can earn you a higher return. Whether the latter will be a notice account or a fixed rate bond will depend entirely on what you need – are you happy with a variable rate, or would you rather lose access to your funds for a while so you can get a higher, set rate?

If you can’t decide, use our general savings search to compare all types of savings deals.

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Best Notice Accounts

We found 492 products

Todays Best Notice Accounts

Rates

Access

Access Note

Information

Taxation

Opening Restrictions

Additional Information

How safe is your money?

Rates

Access

Access Note

Information

Taxation

Opening Restrictions

Additional Information

How safe is your money?

Rates

Access

Access Note

Information

Taxation

Opening Restrictions

Additional Information

How safe is your money?

Rates

Access

Access Note

Information

Taxation

Opening Restrictions

Additional Information

How safe is your money?

Rates

Access

Access Note

Information

Taxation

Opening Restrictions

Additional Information

How safe is your money?

Rates

Access

Access Note

Information

Taxation

Opening Restrictions

Additional Information

How safe is your money?

Rates

Access

Access Note

Information

Taxation