The account can only be opened and managed online, and the minimum deposit is £1,000. Group to be independent and impartial in how it helps consumers make informed decisions, raise awareness of consumer needs and drive positive change. The Double Access Account Issue 1 from Aldermore has a rate of 0.60% gross and interest can be paid either on anniversary of the account opening or monthly. This is a Fixed Rate Bond that has been applied for on someone else’s behalf, and is usually for people who don’t have their own current accounts yet. You can apply either through our online service or via our postal application service. Paragon Bank has market leading rates across its range of one, two and three year fixed rate bonds and ISAs. All pages and content are the sole responsibility of Which? Fixed rate bonds with no access to your money give you a fixed interest rate for a set amount of time (such as a year). Savings Accounts Types. Financial Services Limited. You may only receive a return of your original capital, If you withdraw your money during the plan you may get back less than you originally invested, 18.3% fixed return if the Index is higher than its Initial Level, Medium/long term alternative to fixed rates, 3.75% fixed return if the Index is higher than 90% of its Initial Level, Fixed return – Either 11.7% if the Index is above the Initial Level, or 4.2% if it is the same or lower than the Initial Level. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Limited of 2 Marylebone Road, London NW1 4DF, registered in England and Wales, company number 7239342. At Raisin UK, the interest you earn from a fixed rate bond will usually be paid to you upon maturity at the end of your fixed term, regardless of how frequently you earn it. Which? However, both these rates trail behind the best in the market. We cannot guarantee that products listed will be available or available on the terms specified. The Access Bank UK Limited is registered in England & Wales, Company Number 6365062. The rate of interest you get doesn’t change for the period of the bond. The data for our service is provided by Runpath Digital, which has selected lovemoney.com financial services limited, registered in England & Wales to White Collar Factory, 1 Old Street Yard, London EC1Y 8AF, company number 07406032, and which is authorised and regulated by the Financial Conduct Authority (FRN 479153), as its service provider. Aldermore and UBL UK have the next best easy access rate. The Access Bank UK Limited Base Rate is in line with the Bank of England Base Rate. Savers piled £45bn into easy-access accounts in just four months over lockdown Navigate Savings Accounts. You can choose to have your interest paid monthly or every 12 months … Runpath Digital and lovemoney.com financial services limited are not members of the Which? But with a normal, easy-access account the bank or building society doesn't have any security - you can withdraw your money whenever you like. Want something fixed yet flexible? Registered Office: 4 Royal Court, Gadbrook Way, Gadbrook Park, Northwich, Cheshire, CW9 7UT. Savers can choose from fixed rate deals of 1, 2 and 3 years, offering a lot of flexibility to suit your savings goals. In recent weeks, providers have been vying for savers’ deposits, with a number launching new products and upping their rates. Minimum deposits can range from £1 to £50,000, while maximum deposits can be as high as £2,000,000. Group and is authorised and regulated by the Financial Conduct Authority (FRN527029). 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