UK business savings accounts compared

Who can open it

sole trader, limited company, partnership

Needs a current account with the provider

No

Interest paid

monthly or annually

Access

no withdrawals until maturity

Open via

online

Protection

The FSCS protects eligible deposits up to £120,000 per eligible business or person, per authorised institution

Notes

Gross 4.70% annually / 4.60% monthly. Rates effective 13 August 2026. Not available to charities or trusts.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, sole trader, charity

Needs a current account with the provider

No

Interest paid

at maturity

Access

no withdrawals or closure before the end of the term

Open via

online, post or phone

Protection

Your eligible deposits are protected up to £120,000 by the Financial Services Compensation Scheme

Notes

Launched 09/07/2026.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, sole trader, charity

Needs a current account with the provider

No

Interest paid

annually and at maturity

Access

no withdrawals or closure before the end of the term

Open via

online, post or phone

Protection

Your eligible deposits are protected up to £120,000 by the Financial Services Compensation Scheme

Notes

Launched 09/07/2026.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, partnership, llp, charity, sole trader

Needs a current account with the provider

No

Interest paid

Not published

Access

no withdrawals before maturity

Open via

online

Protection

protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Min/max from the business savings hub key features.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, sole trader

Needs a current account with the provider

No

Interest paid

annually and at maturity

Access

no withdrawals, transfers or closures before maturity

Open via

online or post

Protection

eligible business savings are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000

Notes

Annual interest can be added to the account or paid to the nominated account.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, sole trader

Needs a current account with the provider

No

Interest paid

annually and at maturity

Access

no withdrawals, transfers or closures before maturity

Open via

online or post

Protection

eligible business savings are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000

Notes

Annual interest can be added to the account or paid to the nominated account.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company

Needs a current account with the provider

No

Interest paid

monthly, annually or at maturity

Access

no withdrawals before maturity (exceptional circumstances at Aldermore's discretion, 90 days' interest may be deducted)

Open via

online

Protection

protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Gross monthly 4.31%. 14 days to make first payment.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, sole trader

Needs a current account with the provider

No

Interest paid

annually and at maturity

Access

no withdrawals, transfers or closures before maturity

Open via

online or post

Protection

eligible business savings are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

charity

Needs a current account with the provider

No

Interest paid

annually and at maturity

Access

no withdrawals before maturity

Open via

online or post

Protection

all charity savings are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000

Notes

Registered charities and CIOs only.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, partnership, llp, charity, sole trader

Needs a current account with the provider

No

Interest paid

Not published

Access

no withdrawals before maturity

Open via

online

Protection

protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Min/max from the business savings hub key features.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, partnership, llp, charity, sole trader

Needs a current account with the provider

No

Interest paid

annually

Access

no withdrawals before maturity

Open via

online

Protection

protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Min/max from the business savings hub key features.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, sole trader

Needs a current account with the provider

No

Interest paid

at maturity

Access

no withdrawals, transfers or closures before maturity

Open via

online or post

Protection

eligible business savings are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000

Notes

Also open to education providers, clubs, societies, credit unions and pension funds.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

charity

Needs a current account with the provider

No

Interest paid

at maturity

Access

no withdrawals before maturity

Open via

online or post

Protection

all charity savings are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000

Notes

Registered charities and CIOs only.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, partnership, llp, limited company

Needs a current account with the provider

No

Interest paid

monthly or annually

Access

no withdrawals until maturity

Open via

online

Protection

Your eligible deposits with Recognise Bank are protected up to a total of £120,000 for individuals by the Financial Services Compensation Scheme

Notes

Gross annual 4.30%, gross monthly 4.22%.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, sole trader

Needs a current account with the provider

No

Interest paid

annually and at maturity

Access

no withdrawals, transfers or closures before maturity

Open via

online or post

Protection

eligible business savings are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

charity

Needs a current account with the provider

No

Interest paid

annually and at maturity

Access

no withdrawals before maturity

Open via

online or post

Protection

all charity savings are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000

Notes

Registered charities and CIOs only.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, sole trader, charity

Needs a current account with the provider

No

Interest paid

at maturity

Access

no withdrawals or closure before the end of the term

Open via

online, post or phone

Protection

Your eligible deposits are protected up to £120,000 by the Financial Services Compensation Scheme

Notes

Single deposit within five working days. Launched 09/07/2026.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, llp

Needs a current account with the provider

Yes

Interest paid

at maturity

Access

funds locked for the term

Open via

via Business Partner (app/web platform)

Protection

Your eligible deposits with OakNorth Bank are protected up to a total of £120,000 by the Financial Services Compensation Scheme (FSCS)

Notes

Must hold an OakNorth Business Current Account. Rates correct as at 01 June 2026.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, llp

Needs a current account with the provider

Yes

Interest paid

at maturity

Access

funds locked for the term

Open via

via Business Partner (app/web platform)

Protection

Your eligible deposits with OakNorth Bank are protected up to a total of £120,000 by the Financial Services Compensation Scheme (FSCS)

Notes

Interest compounded annually, paid at maturity. Rates correct as at 01 June 2026.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, llp

Needs a current account with the provider

Yes

Interest paid

at maturity

Access

funds locked for the term

Open via

via Business Partner (app/web platform)

Protection

Your eligible deposits with OakNorth Bank are protected up to a total of £120,000 by the Financial Services Compensation Scheme (FSCS)

Notes

Interest compounded annually, paid at maturity. Rates correct as at 01 June 2026.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, partnership, llp, sole trader, charity

Needs a current account with the provider

No

Interest paid

monthly or annually

Access

no withdrawals or closure before the end of the term

Open via

online or post

Protection

Your eligible deposits with Redwood Bank are protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Monthly-interest option: 4.17% gross, 4.25% AER. Also open to associations, clubs, societies and parish/local councils.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, sole trader, charity

Needs a current account with the provider

No

Interest paid

annually and at maturity

Access

no withdrawals or closure before the end of the term

Open via

online, post or phone

Protection

Your eligible deposits are protected up to £120,000 by the Financial Services Compensation Scheme

Notes

Launched 19/05/2026.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, sole trader, charity

Needs a current account with the provider

No

Interest paid

annually and at maturity

Access

no withdrawals or closure before the end of the term

Open via

online, post or phone

Protection

Your eligible deposits are protected up to £120,000 by the Financial Services Compensation Scheme

Notes

Launched 19/05/2026.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, partnership, llp, limited company

Needs a current account with the provider

No

Interest paid

monthly or annually

Access

no withdrawals until maturity

Open via

online

Protection

Your eligible deposits with Recognise Bank are protected up to a total of £120,000 for individuals by the Financial Services Compensation Scheme

Notes

Gross annual 4.20%, gross monthly 4.12%.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, sole trader

Needs a current account with the provider

No

Interest paid

annually and at maturity

Access

no withdrawals, transfers or closures before maturity

Open via

online or post

Protection

eligible business savings are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

partnership, llp, limited company

Needs a current account with the provider

No

Interest paid

Not published

Access

no withdrawals before the end of the term after the 14-day funding window

Open via

online

Protection

Eligible deposits with Cynergy Bank plc are protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

AER and gross as published (gross shown higher than AER on the provider page).

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, partnership, llp, charity, sole trader

Needs a current account with the provider

No

Interest paid

at maturity

Access

no withdrawals before maturity

Open via

online

Protection

protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Min/max from the business savings hub key features ('Deposit from £5k-£750k'). 14 days to fund.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, partnership, llp, sole trader, charity

Needs a current account with the provider

No

Interest paid

monthly or annually

Access

no withdrawals or closure before the end of the term

Open via

online or post

Protection

Your eligible deposits with Redwood Bank are protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Monthly-interest option: 4.07% gross, 4.15% AER. Also open to associations, clubs, societies and parish/local councils. 14-day funding window.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, sole trader

Needs a current account with the provider

No

Interest paid

annually

Access

unlimited withdrawals, but 3 or more in a year drops the rate to 2.75%

Open via

online or post

Rate tiers

4.15% gross/AER with up to 2 withdrawals per anniversary year; 2.75% gross/AER once 3 or more withdrawals are made, until the next anniversary

Protection

eligible business savings are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000

Notes

Also open to education providers, clubs, societies, credit unions and pension funds. One limited access account per customer.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

charity

Needs a current account with the provider

No

Interest paid

annually

Access

unlimited withdrawals; rate drops after the third withdrawal in a year

Open via

online or post

Rate tiers

4.15% gross/AER with up to 2 withdrawals a year; 2.75% gross/AER with 3 or more

Protection

all charity savings are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000

Notes

Registered charities and CIOs only.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

partnership, llp, limited company

Needs a current account with the provider

No

Interest paid

Not published

Access

no withdrawals before the end of the term after the 14-day funding window

Open via

online

Protection

Eligible deposits with Cynergy Bank plc are protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

AER and gross as published.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

partnership, llp, limited company

Needs a current account with the provider

No

Interest paid

Not published

Access

no withdrawals before the end of the term after the 14-day funding window

Open via

online

Protection

Eligible deposits with Cynergy Bank plc are protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

AER and gross as published.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

partnership, llp, limited company

Needs a current account with the provider

No

Interest paid

Not published

Access

no withdrawals before the end of the term after the 14-day funding window

Open via

online

Protection

Eligible deposits with Cynergy Bank plc are protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

AER and gross as published.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, partnership, llp, sole trader, charity

Needs a current account with the provider

No

Interest paid

monthly or annually

Access

withdrawals with at least 95 days' notice

Open via

online or post

Protection

Your eligible deposits with Redwood Bank are protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Monthly-interest option: 3.98% gross, 4.05% AER. Also open to associations, clubs and societies.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, partnership, llp, charity, sole trader

Needs a current account with the provider

No

Interest paid

annually

Access

unlimited withdrawals subject to 95 days' notice

Open via

online

Protection

protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Tracker: fixed margin above Bank of England base rate (3.75% at time of reading). Detail text on the page again reads 'anyone aged 18 or over' - appears to be personal-account copy.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company

Needs a current account with the provider

No

Interest paid

monthly or annually

Access

unlimited withdrawals subject to 95 days' notice

Open via

online

Protection

protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Gross monthly 3.93%. Available from 11/08/2026.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company

Needs a current account with the provider

No

Interest paid

at maturity

Access

no withdrawals before maturity; no 14-day cooling-off period

Open via

online

Protection

Eligible deposits are covered by the FSCS up to £120k.

Notes

14 calendar days to fund after opening.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, sole trader, charity

Needs a current account with the provider

No

Interest paid

monthly or annually

Access

95 days' notice

Open via

online, post or phone

Rate tiers

4.00% gross/AER (monthly option 3.928% gross) where the balance is £10,000 or more

Protection

Your eligible deposits are protected up to £120,000 by the Financial Services Compensation Scheme

Notes

Also open to academy schools and credit unions. Rate launched 11/05/2026.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

partnership, llp, limited company

Needs a current account with the provider

No

Interest paid

Not published

Access

180 days' notice to withdraw

Open via

online

Protection

Eligible deposits with Cynergy Bank plc are protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Min/max deposit and interest frequency not shown on the product page.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, llp

Needs a current account with the provider

Yes

Interest paid

at maturity

Access

funds locked for the term; early withdrawal only in the 14-day cooling-off period or exceptional circumstances

Open via

via Business Partner (app/web platform)

Protection

Your eligible deposits with OakNorth Bank are protected up to a total of £120,000 by the Financial Services Compensation Scheme (FSCS)

Notes

Must hold an OakNorth Business Current Account. Also open to Private Unlimited Companies, PLCs and Overseas Companies. Single deposit only. Rates correct as at 01 June 2026; deposits above £10m quoted on application.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, partnership, llp, limited company

Needs a current account with the provider

No

Interest paid

monthly or annually

Access

no withdrawals until maturity

Open via

online

Protection

hub footnote for this product: FSCS Protection up to £85,000

Notes

Taken from the business savings hub page; the linked product page returned 'Page not found' on 2026-09-05. Gross not shown on the hub.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, partnership, llp, limited company

Needs a current account with the provider

No

Interest paid

monthly or annually

Access

180 days' notice

Open via

online

Protection

hub footnote for this product: FSCS Protection up to £85,000

Notes

Taken from the hub page; linked product page returned 'Page not found' on 2026-09-05.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, sole trader

Needs a current account with the provider

No

Interest paid

annually

Access

60 days' notice for withdrawals

Open via

online or post

Protection

eligible business savings are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000

Notes

Also open to trusts, education providers, clubs, societies, credit unions and pension funds.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

charity

Needs a current account with the provider

No

Interest paid

annually

Access

60 days' notice; one penalty-free withdrawal without notice per 12 months of up to 20% of the balance

Open via

online or post

Protection

all charity savings are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000

Notes

Charities registered with the Charity Commission (English or Scottish). Maximum balance not captured from the page.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, partnership, llp, sole trader

Needs a current account with the provider

No

Interest paid

at maturity

Access

no withdrawals or additions during the fixed rate term

Open via

online (view) then contact Virgin Money

Protection

Your combined eligible deposits with Virgin Money and Nationwide are covered up to £120,000.

Notes

Also open to universities and colleges. Business based in the UK excluding Channel Islands, Isle of Man and Northern Ireland.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, partnership, llp, sole trader

Needs a current account with the provider

No

Interest paid

Not published

Access

no withdrawals or additions during the term; cannot close early

Open via

online (view) then contact Virgin Money

Protection

Your combined eligible deposits with Virgin Money and Nationwide are covered up to £120,000.

Notes

Standalone account. Interest frequency not shown on the finder page.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, partnership, llp, sole trader

Needs a current account with the provider

No

Interest paid

Not published

Access

no withdrawals or additions during the term; cannot close early

Open via

online (view) then contact Virgin Money

Protection

Your combined eligible deposits with Virgin Money and Nationwide are covered up to £120,000.

Notes

Standalone account. Interest frequency not shown on the finder page.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

charity

Needs a current account with the provider

No

Interest paid

Not published

Access

no withdrawals or additions during the term; cannot close early

Open via

online (view) then contact Virgin Money

Protection

Your combined eligible deposits with Virgin Money and Nationwide are covered up to £120,000.

Notes

Standalone account.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

charity

Needs a current account with the provider

No

Interest paid

Not published

Access

no withdrawals or additions during the term; cannot close early

Open via

online (view) then contact Virgin Money

Protection

Your combined eligible deposits with Virgin Money and Nationwide are covered up to £120,000.

Notes

Standalone account.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

charity

Needs a current account with the provider

No

Interest paid

Not published

Access

no withdrawals or additions during the term; cannot close early

Open via

online (view) then contact Virgin Money

Protection

Your combined eligible deposits with Virgin Money and Nationwide are covered up to £120,000.

Notes

Standalone account.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, sole trader

Needs a current account with the provider

No

Interest paid

at maturity

Access

no withdrawals, transfers or closures before maturity

Open via

online or post

Protection

eligible business savings are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000

Notes

Also open to education providers, clubs, societies, credit unions and pension funds.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

charity

Needs a current account with the provider

No

Interest paid

at maturity

Access

no withdrawals before maturity

Open via

online or post

Protection

all charity savings are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000

Notes

Registered charities and CIOs only.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

partnership, llp, limited company

Needs a current account with the provider

No

Interest paid

Not published

Access

120 days' notice to withdraw

Open via

online

Protection

Eligible deposits with Cynergy Bank plc are protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Min/max deposit and interest frequency not shown on the product page.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, partnership, llp, charity, sole trader

Needs a current account with the provider

No

Interest paid

annually

Access

unlimited withdrawals

Open via

online

Protection

protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Managed variable rate. Product text lists limited companies, PLCs, partnerships, LLPs, registered charities, clubs, associations and societies; the hub FAQ also lists sole traders. Max £1m across all HTB accounts.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, sole trader

Needs a current account with the provider

No

Interest paid

at maturity

Access

no withdrawals, transfers or closures before maturity

Open via

online or post

Protection

eligible business savings are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000

Notes

Also open to education providers, clubs, societies, credit unions and pension funds.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

charity

Needs a current account with the provider

No

Interest paid

at maturity

Access

no withdrawals before maturity

Open via

online or post

Protection

all charity savings are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000

Notes

Registered charities and CIOs only.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

partnership, llp, limited company

Needs a current account with the provider

No

Interest paid

monthly

Access

unlimited withdrawals at any time via Online Banking; no fee

Open via

online

Protection

Eligible deposits with Cynergy Bank plc are protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Nominated account must be a business current account in the same business name. Based in the UK and registered with Companies House where applicable.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

partnership, llp, limited company

Needs a current account with the provider

No

Interest paid

Not published

Access

95 days' notice to withdraw

Open via

online

Protection

Eligible deposits with Cynergy Bank plc are protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Min/max deposit and interest frequency not shown on the product page.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, partnership, llp, limited company

Needs a current account with the provider

No

Interest paid

monthly or annually

Access

120 days' notice

Open via

online

Protection

hub footnote for this product: FSCS Protection up to £85,000

Notes

Taken from the hub page; linked product page returned 'Page not found' on 2026-09-05.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, sole trader

Needs a current account with the provider

No

Interest paid

annually

Access

unlimited withdrawals to nominated account

Open via

online or post

Rate tiers

Blended 12-month rate: first 12 months Bank of England base rate +0.15% margin plus a fixed 0.90% introductory bonus = 3.90% gross/AER; after 12 months base rate -0.75% = 3.00% gross/AER (base rate 3.75% at time of reading)

Protection

eligible business savings are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000

Notes

Also open to education providers, clubs, societies, credit unions and pension funds. Interest paid annually on 31 October. One tracker account per customer.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, sole trader

Needs a current account with the provider

No

Interest paid

annually

Access

40 days' notice for withdrawals

Open via

online or post

Protection

eligible business savings are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000

Notes

Also open to trusts, education providers, clubs, societies, credit unions and pension funds.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

charity

Needs a current account with the provider

No

Interest paid

annually

Access

unlimited withdrawals to nominated account

Open via

online (DocuSign application)

Rate tiers

Blended 12-month rate including a fixed 0.90% introductory bonus; tracks Bank of England base rate

Protection

all charity savings are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000

Notes

Registered charities and CIOs only; charities governed by a trust deed and exempt/excepted charities not accepted.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

charity

Needs a current account with the provider

No

Interest paid

annually

Access

40 days' notice; one penalty-free withdrawal without notice per 12 months of up to 20% of the balance

Open via

online or post

Protection

all charity savings are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000

Notes

Charities registered with the Charity Commission (English or Scottish).

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company

Needs a current account with the provider

No

Interest paid

monthly or at maturity

Access

no withdrawals before maturity

Open via

online

Protection

protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Gross annual 3.83%, gross monthly 3.76%.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company

Needs a current account with the provider

No

Interest paid

at maturity

Access

no withdrawals before maturity; no 14-day cooling-off period

Open via

online

Protection

Eligible deposits are covered by the FSCS up to £120k.

Notes

14 calendar days to fund after opening.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, limited company, partnership

Needs a current account with the provider

No

Interest paid

monthly or annually

Access

unlimited withdrawals; next working day to linked account

Open via

online

Rate tiers

0.05% variable if the balance falls below £1,000

Protection

The FSCS protects eligible deposits up to £120,000 per eligible business or person, per authorised institution

Notes

Gross 3.86% annually / 3.79% monthly. Rates effective 20 April 2026. Limited companies limited by shares; partnerships excluding LLPs; not available to charities or trusts; max four shareholders and four signatories.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, limited company, partnership

Needs a current account with the provider

No

Interest paid

monthly or annually

Access

no withdrawals until maturity

Open via

online

Protection

The FSCS protects eligible deposits up to £120,000 per eligible business or person, per authorised institution

Notes

Gross 3.86% annually / 3.79% monthly. Rates effective 19 December 2025.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, partnership, llp, sole trader

Needs a current account with the provider

No

Interest paid

at maturity

Access

no withdrawals or additions during the term; cannot close early

Open via

online (view) then contact Virgin Money

Protection

Your combined eligible deposits with Virgin Money and Nationwide are covered up to £120,000.

Notes

Standalone account.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

charity

Needs a current account with the provider

No

Interest paid

Not published

Access

no withdrawals or additions during the term; cannot close early

Open via

online (view) then contact Virgin Money

Protection

Your combined eligible deposits with Virgin Money and Nationwide are covered up to £120,000.

Notes

Standalone account.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company

Needs a current account with the provider

No

Interest paid

monthly or annually

Access

unlimited withdrawals; balance below £500,000 earns the lower tier

Open via

online

Rate tiers

Daily balance £500,000-£1,000,000: 3.80% AER, 3.80% gross annual, 3.74% gross monthly. Daily balance £1,000-£499,999.99: 1.90% AER, 1.90% gross annual, 1.88% gross monthly. Rate applies to the whole balance according to the tier that day.

Protection

protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Available from 13 August 2026. Headline rate is the higher tier.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company

Needs a current account with the provider

No

Interest paid

at maturity

Access

no withdrawals before maturity; no 14-day cooling-off period

Open via

online

Protection

Eligible deposits are covered by the FSCS up to £120k.

Notes

14 calendar days to fund after opening.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, partnership, llp, sole trader, charity

Needs a current account with the provider

No

Interest paid

monthly or annually

Access

unlimited withdrawals with at least 35 days' notice, minimum balance £10,000 maintained

Open via

online or post

Protection

Your eligible deposits with Redwood Bank are protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Monthly-interest option: 3.69% gross, 3.75% AER. Also open to associations, clubs and societies. £2m maximum across all Redwood accounts.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, sole trader

Needs a current account with the provider

No

Interest paid

annually

Access

120 days' notice for withdrawals

Open via

online or post

Rate tiers

Tracks the Bank of England base rate (3.75% at time of reading)

Protection

eligible business savings are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000

Notes

Rate changes applied within three days of a base rate change.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

charity

Needs a current account with the provider

No

Interest paid

Not published

Access

120 days' notice in writing; one penalty-free withdrawal without notice per 12 months of up to 20% of the balance

Open via

post (application form)

Rate tiers

Tracks the Bank of England base rate (3.75% at time of reading)

Protection

all charity savings are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000

Notes

Min/max and interest frequency not shown in the charity summary box text read.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, partnership, llp, sole trader

Needs a current account with the provider

No

Interest paid

at maturity

Access

no withdrawals or additions during the term; cannot close early

Open via

online (view) then contact Virgin Money

Protection

Your combined eligible deposits with Virgin Money and Nationwide are covered up to £120,000.

Notes

Standalone account. Also open to universities and colleges (per the 12-month product page).

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

charity

Needs a current account with the provider

No

Interest paid

Not published

Access

no withdrawals or additions during the term; cannot close early

Open via

online (view) then contact Virgin Money

Protection

Your combined eligible deposits with Virgin Money and Nationwide are covered up to £120,000.

Notes

Standalone account.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

Not stated

Needs a current account with the provider

No

Interest paid

at maturity

Access

no withdrawals, transfers out or closures before maturity

Open via

online or post

Protection

Your eligible deposits with The Charity Bank Limited are protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Hub: 'Available to UK Businesses'. Reverts to Ethical 40-Day Notice account at maturity without instructions.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

Not stated

Needs a current account with the provider

No

Interest paid

annually

Access

no withdrawals, transfers out or closures before maturity

Open via

online or post

Protection

Your eligible deposits with The Charity Bank Limited are protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Hub: 'Available to UK Businesses'. Interest added on each anniversary and at maturity.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company

Needs a current account with the provider

No

Interest paid

annually

Access

withdrawals subject to 180 days' notice

Open via

online

Protection

Eligible deposits are covered by the FSCS up to £120k.

Notes

Business must be UK based and registered with Companies House.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, sole trader, charity

Needs a current account with the provider

No

Interest paid

monthly or annually

Access

30 days' notice; no early withdrawals

Open via

online, post or phone

Rate tiers

3.70% gross/AER (monthly option 3.639% gross) where the balance is £10,000 or more; 0.10% gross/AER below £10,000

Protection

Your eligible deposits are protected up to £120,000 by the Financial Services Compensation Scheme

Notes

Also open to academy schools (SAT and MAT) and credit unions. Applicants must be liable to pay tax in the UK only. Max £10m across all C&C accounts. Rate launched 11/05/2026.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, sole trader

Needs a current account with the provider

No

Interest paid

annually

Access

30 days' notice for withdrawals

Open via

online or post

Protection

eligible business savings are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000

Notes

Interest paid annually on 31 October.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

charity

Needs a current account with the provider

No

Interest paid

annually

Access

30 days' notice; one penalty-free withdrawal without notice per 12 months of up to 20% of the balance

Open via

online or post

Protection

all charity savings are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000

Notes

Charities registered with the Charity Commission (English or Scottish).

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company

Needs a current account with the provider

No

Interest paid

annually

Access

withdrawals subject to 95 days' notice; no charge; not permitted at weekends

Open via

online

Protection

Eligible deposits are covered by the FSCS up to £120k.

Notes

Business must be UK based and registered with Companies House.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, llp

Needs a current account with the provider

Yes

Interest paid

monthly

Access

unlimited withdrawals with 125 days' notice

Open via

app or web platform

Rate tiers

Interest only on balances of £50,000 and above; tracks Bank of England base rate minus a variable spread

Protection

Your eligible deposits with OakNorth Bank are protected up to a total of £120,000 by the Financial Services Compensation Scheme (FSCS)

Notes

Must hold an OakNorth Business Current Account. Rates correct as at 01 June 2026.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, llp

Needs a current account with the provider

Yes

Interest paid

monthly

Access

unlimited withdrawals with 95 days' notice

Open via

app or web platform

Rate tiers

Interest only on balances of £50,000 and above; tracks Bank of England base rate minus a variable spread

Protection

Your eligible deposits with OakNorth Bank are protected up to a total of £120,000 by the Financial Services Compensation Scheme (FSCS)

Notes

Must hold an OakNorth Business Current Account. Rates correct as at 01 June 2026.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

llp, limited company

Needs a current account with the provider

No

Interest paid

monthly or annually

Access

withdraw without notice or penalty

Open via

online

Protection

Your eligible deposits with Recognise Bank are protected up to a total of £120,000 for individuals by the Financial Services Compensation Scheme

Notes

Gross annual 3.55%, gross monthly 3.49%. 'This account is currently only available to LLPs and Limited Companies'.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, partnership, llp, limited company

Needs a current account with the provider

No

Interest paid

monthly or annually

Access

95 days' notice; notice requests are irreversible

Open via

online

Protection

Your eligible deposits with Recognise Bank are protected up to a total of £120,000 for individuals by the Financial Services Compensation Scheme

Notes

Gross annual 3.55%, gross monthly 3.49%.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, limited company, partnership

Needs a current account with the provider

No

Interest paid

monthly or annually

Access

withdrawals online at any time subject to 100 days' notice

Open via

online

Rate tiers

0.05% variable if the balance falls below £5,000

Protection

The FSCS protects eligible deposits up to £120,000 per eligible business or person, per authorised institution

Notes

Gross 3.51% annually / 3.45% monthly. Rates effective 19 December 2025. Not a tracker.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, partnership, llp, sole trader

Needs a current account with the provider

Yes

Interest paid

monthly

Access

withdrawals without notice not permitted

Open via

online

Rate tiers

Tracks 0.30% below Bank of England base rate

Protection

Your combined eligible deposits with Virgin Money and Nationwide are covered up to £120,000.

Notes

Works with your Business Current Account.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

charity

Needs a current account with the provider

Yes

Interest paid

monthly

Access

withdrawals without notice not permitted

Open via

online

Rate tiers

Tracks 0.30% below Bank of England base rate

Protection

Your combined eligible deposits with Virgin Money and Nationwide are covered up to £120,000.

Notes

Works with your Charity Account.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, partnership, llp, limited company

Needs a current account with the provider

Yes

Interest paid

at maturity

Access

no extra deposits, withdrawals or closure until the end of the term

Open via

phone

Protection

UK-authorised bank: eligible deposits are FSCS-protected.

Notes

Maturity date 1 October 2027; AER based on funds deposited by 1 October 2026. 'Business Bonds are only available to existing customers' (existing Santander Business customer). Interest also credited on the 1st of the month after opening. Rates correct as at 3 September 2026.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, sole trader

Needs a current account with the provider

No

Interest paid

annually

Access

unlimited withdrawals to nominated account

Open via

online or post

Protection

eligible business savings are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000

Notes

Also open to education providers, clubs, societies, credit unions and pension funds. Interest paid annually on 31 October.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

charity

Needs a current account with the provider

No

Interest paid

annually

Access

unlimited withdrawals to nominated account

Open via

online or post

Protection

all charity savings are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000

Notes

Registered charities and CIOs only.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, partnership, llp, limited company

Needs a current account with the provider

No

Interest paid

monthly

Access

pay in and withdraw any time; electronic transfer to nominated business account only

Open via

online

Protection

Your combined eligible deposits with Virgin Money and Nationwide are covered up to £120,000.

Notes

Standalone online account, not linked to a Business Current Account. Also open to PLCs. For SMEs (balance sheet under £36.5m or turnover under £42.5m); not for charities. Interest paid on the 10th of each month. £2m maximum per business group across all Virgin Money business savings.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, limited company, partnership

Needs a current account with the provider

No

Interest paid

monthly or annually

Access

withdrawals online at any time subject to 45 days' notice

Open via

online

Rate tiers

0.05% variable if the balance falls below £5,000

Protection

The FSCS protects eligible deposits up to £120,000 per eligible business or person, per authorised institution

Notes

Gross 3.45% annually / 3.40% monthly. Rates effective 19 December 2025.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, partnership, limited company

Needs a current account with the provider

Yes

Interest paid

at maturity

Access

no withdrawals, payments or closure during the fixed term

Open via

online

Protection

Your eligible deposits held by a UK establishment of The Co-operative Bank p.l.c. are protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Single deposit transferred from your Co-operative Bank business account. 6-month AER assumes reinvestment at the same rate for the rest of the year. Limited issue.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, partnership, llp, charity, sole trader

Needs a current account with the provider

No

Interest paid

annually

Access

unlimited fee-free withdrawals online

Open via

online

Rate tiers

No interest earned while the balance is under £20,000; rate applies to the whole balance at £20,000 and over

Protection

protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Tracker: fixed margin below Bank of England base rate (base rate 3.75% at time of reading); rate never below 0.00%.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, partnership, limited company

Needs a current account with the provider

Yes

Interest paid

at maturity

Access

no withdrawals, payments or closure during the fixed term

Open via

online

Protection

Your eligible deposits held by a UK establishment of The Co-operative Bank p.l.c. are protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Single deposit transferred from your Co-operative Bank business account. Limited issue.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

Not stated

Needs a current account with the provider

—

Interest paid

monthly or annually

Access

no access during the term; cannot close early

Open via

branch (store)

Rate tiers

Annual interest: 3.30% gross / 3.30% AER; monthly option: 3.26% gross / 3.30% AER

Protection

Your eligible deposits with Metro Bank PLC are protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Funds at maturity go to a nominated Metro Bank Business Account.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

Not stated

Needs a current account with the provider

—

Interest paid

monthly or annually

Access

no access during the term; cannot close early

Open via

branch (store)

Rate tiers

Annual interest: 3.30% gross / 3.30% AER; monthly option: 3.26% gross / 3.30% AER

Protection

Your eligible deposits with Metro Bank PLC are protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Funds at maturity go to a nominated Metro Bank Business Account.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, partnership, llp, charity, sole trader

Needs a current account with the provider

No

Interest paid

annually

Access

unlimited withdrawals subject to 95 days' notice

Open via

online

Protection

protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Min/max taken from the product header (£5,000 / £750,000); the expandable detail text on the same page shows £1 / £250,000 and 'anyone aged 18 or over', which appears to be personal-account copy - confirm with HTB.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, limited company

Needs a current account with the provider

Yes

Interest paid

monthly

Access

access and withdraw anytime, no restrictions

Open via

app

Rate tiers

Advertised as 'up to 3.25% AER (variable)'; the pages read do not publish what determines the rate

Protection

If you're a sole trader or a small business your eligible deposits may be protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per person

Notes

Requires a Monzo Business account; 'only sole traders or limited company directors in the UK can apply'. 'No minimum deposit'; up to 20 pots per account. Who holds the money: the pages read name no partner bank - the help page says the FSCS 'protects up to £120,000 of the total money you bank with us' and the footer names Monzo Bank Limited as the regulated provider. Gross rate not published.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, partnership, llp, limited company

Needs a current account with the provider

No

Interest paid

monthly or annually

Access

35 days' notice

Open via

online

Protection

hub footnote for this product: FSCS Protection up to £85,000

Notes

Taken from the hub page; linked product page returned 'Page not found' on 2026-09-05.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, limited company

Needs a current account with the provider

Yes

Interest paid

monthly

Access

instant access; no notice, no limit on withdrawals

Open via

app

Rate tiers

Max plan: 3.25% AER / 3.21% gross on balances up to £1,000,000 (base rate minus 0.54% gross); 0.00% above £1,000,000. Max plan with Instant Saver Plus: additionally 3.75% AER / 3.69% gross on £1,000,000.01-£10,000,000.

Protection

At Tide, deposits of up to £120,000 are protected by the Financial Services Compensation Scheme (FSCS) across all ClearBank accounts.

Notes

Money held by ClearBank Limited. Max plan carries a monthly membership fee.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, partnership, llp, sole trader

Needs a current account with the provider

Yes

Interest paid

monthly

Access

withdrawals without notice not permitted; paid when the notice period ends

Open via

online

Rate tiers

Tracks 0.55% below Bank of England base rate

Protection

Your combined eligible deposits with Virgin Money and Nationwide are covered up to £120,000.

Notes

No maximum deposit limit. Interest paid on the last business day of the month. Business must be based in the UK excluding Channel Islands, Isle of Man and Northern Ireland.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

charity

Needs a current account with the provider

Yes

Interest paid

monthly

Access

withdrawals without notice not permitted

Open via

online

Rate tiers

Tracks 0.55% below Bank of England base rate

Protection

Your combined eligible deposits with Virgin Money and Nationwide are covered up to £120,000.

Notes

Works with your Charity Account.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, llp

Needs a current account with the provider

Yes

Interest paid

monthly

Access

unlimited withdrawals with 30 days' notice, to current account only

Open via

app or web platform

Rate tiers

Interest only on balances of £50,000 and above (0.00% AER on £0-£49,999); rate applies to the full balance once £50,000 is met; tracks Bank of England base rate minus a variable spread

Protection

Your eligible deposits with OakNorth Bank are protected up to a total of £120,000 by the Financial Services Compensation Scheme (FSCS)

Notes

No minimum deposit but no interest below £50,000. Must hold an OakNorth Business Current Account. Rates correct as at 01 June 2026.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, partnership, llp, limited company

Needs a current account with the provider

No

Interest paid

monthly or annually

Access

withdraw without notice, free of charge; minimum withdrawal £500; before 2pm same day

Open via

online

Protection

Your eligible deposits with Recognise Bank are protected up to a total of £120,000 for individuals by the Financial Services Compensation Scheme

Notes

Gross annual 3.15%, gross monthly 3.11%. Product page criteria: registered with Companies House, UK business bank account, fewer than 250 employees, assets under £37.5m or turnover under £43.5m; hub page lists sole traders, partnerships, LLPs and limited companies.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, partnership, llp, limited company

Needs a current account with the provider

No

Interest paid

monthly or annually

Access

7 days' notice

Open via

online

Protection

hub footnote for this product: FSCS Protection up to £85,000

Notes

Taken from the hub page; linked product page returned 'Page not found' on 2026-09-05.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

Not stated

Needs a current account with the provider

No

Interest paid

quarterly

Access

signed withdrawal form; paid at the end of the 100-day notice period

Open via

online or post

Rate tiers

£1,000-£24,999: 2.89% gross / 2.92% AER; £25,000-£500,000: 3.04% gross / 3.07% AER; 0.10% gross/AER below £1,000

Protection

Your eligible deposits with The Charity Bank Limited are protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Headline rate is the upper tier. Hub: 'Available to businesses'.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

Not stated

Needs a current account with the provider

No

Interest paid

quarterly

Access

signed withdrawal form; paid at the end of the 40-day notice period

Open via

online or post

Rate tiers

£1,000-£24,999: 2.86% gross / 2.89% AER; £25,000-£500,000: 3.01% gross / 3.04% AER; 0.10% gross/AER below £1,000

Protection

Your eligible deposits with The Charity Bank Limited are protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Headline rate is the upper tier. Hub: 'Available to businesses'.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, limited company

Needs a current account with the provider

Yes

Interest paid

monthly

Access

instant access; no notice, no limit on withdrawals

Open via

app

Rate tiers

Pro plan (or Instant Saver Plus purchased): 3.00% AER / 2.96% gross on balances up to £150,000 (base rate minus 0.79% gross); 0.00% above £150,000.

Protection

At Tide, deposits of up to £120,000 are protected by the Financial Services Compensation Scheme (FSCS) across all ClearBank accounts.

Notes

Money held by ClearBank Limited. Pro plan carries a monthly membership fee.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

Not stated

Needs a current account with the provider

No

Interest paid

quarterly

Access

withdrawals by signed form to nominated account; one request per day, maximum £125,000 per day

Open via

online or post

Rate tiers

0.10% gross/AER if the balance falls below £10,000

Protection

Your eligible deposits with The Charity Bank Limited are protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Managed variable rate. Page describes the account as for businesses ('Available to businesses' on the hub) without listing entity types; deposits over £500,000 by arrangement. Accounts operated by post/email and mobile app.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company

Needs a current account with the provider

No

Interest paid

annually

Access

unlimited withdrawals to nominated account; before 3.30pm usually same business day

Open via

online

Protection

Eligible deposits are covered by the FSCS up to £120k.

Notes

Business must be UK based and registered with Companies House; application by a director or company secretary; nominated UK bank account in the same business name required. Interest calculated daily.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, partnership, limited company

Needs a current account with the provider

Yes

Interest paid

at maturity

Access

no deposits or withdrawals during the term

Open via

online (Online for Business or business banking app)

Protection

UK-authorised bank: eligible deposits are FSCS-protected.

Notes

Rates available as at 31/07/2026, expire 17/09/2026. Terms over 12 months pay interest yearly.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, partnership, limited company

Needs a current account with the provider

—

Interest paid

daily

Access

95 days' notice; withdrawals must be at least £10,000 and leave £10,000 or more in the account; managed over the phone

Open via

online, app or phone

Protection

UK-authorised bank: eligible deposits are FSCS-protected.

Notes

Product information PDF: interest calculated and paid into the account daily. Rates available as at 31/07/2026, expire 17/09/2026.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

charity

Needs a current account with the provider

Yes

Interest paid

Not published

Access

no access during the year; cannot close early

Open via

branch (store)

Protection

Your eligible deposits with Metro Bank PLC are protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

UK-based clubs, societies and charities; must have or open a Metro Community Current Account or Community Instant Access Deposit Account.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, partnership, llp, sole trader

Needs a current account with the provider

Yes

Interest paid

monthly

Access

withdrawals without notice not permitted

Open via

online

Rate tiers

Tracks 1.25% below Bank of England base rate

Protection

Your combined eligible deposits with Virgin Money and Nationwide are covered up to £120,000.

Notes

Works with your Business Current Account.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

charity

Needs a current account with the provider

Yes

Interest paid

monthly

Access

withdrawals without notice not permitted

Open via

online

Rate tiers

Tracks 1.25% below Bank of England base rate

Protection

Your combined eligible deposits with Virgin Money and Nationwide are covered up to £120,000.

Notes

Works with your Charity Account.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

Not stated

Needs a current account with the provider

—

Interest paid

monthly

Access

95 days' notice via withdrawal form

Open via

online

Protection

UK-authorised bank: eligible deposits are FSCS-protected.

Notes

'No minimum or maximum balance'. Eligibility: business registered in England, Scotland or Wales.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, limited company

Needs a current account with the provider

Yes

Interest paid

monthly

Access

instant access; no notice, no limit on withdrawals

Open via

app

Rate tiers

Smart plan: 2.50% AER / 2.48% gross on balances up to £100,000 (base rate minus 1.27% gross); 0.00% above £100,000. Same 4-month introductory offer as other plans.

Protection

At Tide, deposits of up to £120,000 are protected by the Financial Services Compensation Scheme (FSCS) across all ClearBank accounts.

Notes

Money held by ClearBank Limited. Smart plan carries a monthly membership fee (see Tide pricing).

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company

Needs a current account with the provider

No

Interest paid

monthly or annually

Access

unlimited fee-free withdrawals to linked current account

Open via

online

Protection

protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Gross annual 2.45%, gross monthly 2.42%. Limited companies only; owners cannot be US citizens; no client money or trust accounts. Available from 5 June 2025.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, partnership, llp, sole trader

Needs a current account with the provider

Yes

Interest paid

monthly

Access

withdrawals without notice not permitted

Open via

online

Rate tiers

Tracks 1.35% below Bank of England base rate

Protection

Your combined eligible deposits with Virgin Money and Nationwide are covered up to £120,000.

Notes

Works with your Business Current Account (Business Internet Banking / app).

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

charity

Needs a current account with the provider

Yes

Interest paid

monthly

Access

withdrawals without notice not permitted

Open via

online

Rate tiers

Tracks 1.35% below Bank of England base rate

Protection

Your combined eligible deposits with Virgin Money and Nationwide are covered up to £120,000.

Notes

Works with your Charity Account.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, partnership, limited company

Needs a current account with the provider

Yes

Interest paid

at maturity

Access

no deposits or withdrawals during the term

Open via

online (Online for Business or business banking app)

Protection

UK-authorised bank: eligible deposits are FSCS-protected.

Notes

Rates available as at 31/07/2026, expire 17/09/2026.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company, llp

Needs a current account with the provider

Yes

Interest paid

monthly

Access

withdraw to current account any time via the app; before 8am same business day

Open via

app

Protection

Your eligible deposits with OakNorth Bank are protected up to a total of £120,000 by the Financial Services Compensation Scheme (FSCS)

Notes

Interest calculated on the minimum daily balance and paid on the first day of the following month. 'No minimum or maximum deposit limits apply'. Linked to the OakNorth Business Current Account. Rates correct as at 01 June 2026.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, partnership, limited company

Needs a current account with the provider

Yes

Interest paid

at maturity

Access

no deposits or withdrawals during the term

Open via

online (Online for Business or business banking app)

Protection

UK-authorised bank: eligible deposits are FSCS-protected.

Notes

Rates available as at 31/07/2026, expire 17/09/2026.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

Not stated

Needs a current account with the provider

—

Interest paid

monthly or at maturity

Access

no access during the term; cannot close early

Open via

branch (store)

Rate tiers

Interest at maturity: 2.00% gross / 2.02% AER; monthly interest option: 1.99% gross / 2.00% AER

Protection

Your eligible deposits with Metro Bank PLC are protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

'UK-based business or commercial customer'. At maturity funds are paid to a nominated Metro Bank Business Account (Business Bank Account or Business Instant Access Deposit Account).

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

Not stated

Needs a current account with the provider

—

Interest paid

monthly or at maturity

Access

no access during the term; cannot close early

Open via

branch (store)

Rate tiers

Interest at maturity: 2.00% gross / 2.01% AER; monthly option: 1.99% gross / 2.00% AER

Protection

Your eligible deposits with Metro Bank PLC are protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Funds at maturity go to a nominated Metro Bank Business Account.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

Not stated

Needs a current account with the provider

No

Interest paid

monthly

Access

unlimited deposits and withdrawals with 95 days' notice

Open via

branch (store)

Protection

Your eligible deposits with Metro Bank PLC are protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

AER shown by Metro as 'Monthly AER'.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

Not stated

Needs a current account with the provider

—

Interest paid

monthly

Access

35 days' notice via withdrawal form; forms after 4pm processed next working day

Open via

online

Protection

UK-authorised bank: eligible deposits are FSCS-protected.

Notes

'No minimum or maximum balance'. Eligibility: business registered in England, Scotland or Wales. Page says if your business current account is with a different bank, call NatWest (branch visit may be needed).

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, limited company

Needs a current account with the provider

Yes

Interest paid

monthly

Access

instant access; no notice, no limit on withdrawals, online via the Tide app or website

Open via

app

Rate tiers

Standard rate on the Free plan: 2.00% AER / 1.99% gross on balances up to £75,000 (Bank of England base rate minus 1.76% gross); 0.00% above £75,000. Introductory offer for new Tide members, first 4 months: 3.75% AER / 3.69% gross up to £1,000,000 and 4.00% AER / 3.92% gross on £1,000,000.01-£10,000,000, then the plan rate applies.

Protection

At Tide, deposits of up to £120,000 are protected by the Financial Services Compensation Scheme (FSCS) across all ClearBank accounts.

Notes

Money is held by ClearBank Limited (the account is 'powered by ClearBank'); Tide is the platform. Tracker: BoE base rate (3.75% at time of reading) minus a plan-specific margin. Summary box dated 26/05/2026; page https://www.tide.co/business-savings-account/ says 'Rates correct as of 26/05/2026'. Requires a Tide business current account (ClearBank).

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, partnership, limited company

Needs a current account with the provider

Yes

Interest paid

twice a year (5 April and 5 October)

Access

95 days' notice by phone; earlier withdrawal charged 95 days' interest on the amount withdrawn

Open via

online

Protection

Your eligible deposits held by a UK establishment of The Co-operative Bank p.l.c. are protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Must hold a Co-operative Bank business account.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, partnership, limited company

Needs a current account with the provider

—

Interest paid

daily

Access

32 days' notice; withdrawals must be at least £10,000 and leave £10,000 or more in the account

Open via

online, app or phone

Protection

UK-authorised bank: eligible deposits are FSCS-protected.

Notes

Product information PDF: 'Interest is calculated and paid into your Account daily'. Rates available as at 31/07/2026, expire 17/09/2026. Managed rate. Business must be based and operating in the UK (excluding Channel Islands and Isle of Man).

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

Not stated

Needs a current account with the provider

No

Interest paid

monthly

Access

unlimited deposits and withdrawals with 60 days' notice

Open via

branch (store)

Protection

Your eligible deposits with Metro Bank PLC are protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

AER shown by Metro as 'Monthly AER'.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, partnership, limited company

Needs a current account with the provider

Yes

Interest paid

twice a year (5 April and 5 October)

Access

35 days' notice by phone; earlier withdrawal charged 35 days' interest on the amount withdrawn

Open via

online

Protection

Your eligible deposits held by a UK establishment of The Co-operative Bank p.l.c. are protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Must hold a Co-operative Bank business account.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

Not stated

Needs a current account with the provider

No

Interest paid

monthly

Access

unlimited deposits and withdrawals with 35 days' notice; payout can go to an external account

Open via

branch (store)

Protection

Your eligible deposits with Metro Bank PLC are protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

AER shown by Metro as 'Monthly AER'. 'You don't have to have another Metro Bank account open in order to open this account.' Eligibility: 18+, at least 50% of directors/beneficial owners and shares UK resident.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, partnership, limited company

Needs a current account with the provider

Yes

Interest paid

Not published

Access

instant access

Open via

online

Protection

Your eligible deposits held by a UK establishment of The Co-operative Bank p.l.c. are protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Only available to Business Bank Account Plus customers ('Monthly fee applies'); 'will always pay interest at a higher rate than our Business Instant Access savings account'.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, partnership, limited company

Needs a current account with the provider

Yes

Interest paid

at maturity

Access

no deposits or withdrawals during the term

Open via

online (Online for Business or business banking app)

Protection

UK-authorised bank: eligible deposits are FSCS-protected.

Notes

Rates 'available as at 31/07/2026 and expire on 17/09/2026'. Page also lists fixed-to-date options: 2.21% AER / 2.20% gross fixed until 17/02/2027 and 2.75% / 2.75% fixed until 06/10/2027.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

Not stated

Needs a current account with the provider

No

Interest paid

monthly or quarterly

Access

unlimited withdrawals, no notice; a withdrawal drops you to the Instant Access rate until 30/60 days pass without withdrawals

Open via

online, phone or branch

Rate tiers

Rates effective from 10 March 2026, by balance and by time since last withdrawal. Instant Access rate: up to £100,000 1.20% gross / 1.21% AER; £100,000+ 1.23% / 1.24%; £250,000+ 1.25% / 1.26%; £1m+ 1.30% / 1.31%. 30+ day rate (no withdrawal for 30 days): 1.24% / 1.25%; 1.27% / 1.28%; 1.30% / 1.31%; 1.34% / 1.35%. 60+ day rate: 1.28% / 1.29%; 1.32% / 1.33%; 1.35% / 1.36%; 1.40% / 1.41%. Same figures for monthly and quarterly interest options.

Protection

UK-authorised bank: eligible deposits are FSCS-protected.

Notes

Headline is the Instant Access rate on balances up to £100,000. 'No minimum deposit. No maximum balance.' 'HSBC current account not required'. Entity types not listed; described for Small Business Banking and Business Banking customers including not-for-profits.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

Not stated

Needs a current account with the provider

Yes

Interest paid

quarterly

Access

access your savings instantly

Open via

online

Protection

Your combined eligible deposits with Virgin Money and Nationwide are covered up to £120,000.

Notes

'Works with your Business Current Account'; limited online management; 'eligibility rules apply' (entity types not listed on the finder page).

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

charity

Needs a current account with the provider

Yes

Interest paid

monthly

Access

pay in and withdraw money anytime

Open via

online

Protection

Your combined eligible deposits with Virgin Money and Nationwide are covered up to £120,000.

Notes

Operates with your Charity Current Account.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, partnership, limited company

Needs a current account with the provider

Yes

Interest paid

twice a year (5 April and 5 October)

Access

immediate withdrawals, no penalty, by transfer to linked Co-operative Bank business account

Open via

online

Protection

Your eligible deposits held by a UK establishment of The Co-operative Bank p.l.c. are protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

'Open with £0. No minimum or maximum account balance required.' Must hold a Co-operative Bank business bank account. Application form also lists 'other business organisation' and 'community organisation'. Application subject to status and credit checks.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

Not stated

Needs a current account with the provider

Yes

Interest paid

quarterly

Access

unlimited withdrawals via your Barclays Business Current Account, no notice period

Open via

online, branch or phone

Rate tiers

£1+: 1.05% gross / 1.05% AER; £1 million+: 1.30% / 1.31%; £10 million+: 1.50% / 1.51% (interest rates from 24 March 2026)

Protection

UK-authorised bank: eligible deposits are FSCS-protected.

Notes

Entity types not listed on the page; a note on the page says the account can be used by clubs, charities, societies and other associations, not for personal use. Financial institutions have a maximum balance of £2 million.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, partnership, llp, limited company

Needs a current account with the provider

—

Interest paid

monthly

Access

withdrawals any time by transfer, online, mobile, phone or post; a withdrawal lowers that month's rate

Open via

phone or branch

Rate tiers

1.00% AER/gross in a month with no withdrawals; 0.40% AER/gross in a month in which money is taken out

Protection

UK-authorised bank: eligible deposits are FSCS-protected.

Notes

12-month term; converts to the Business Everyday Saver after 12 months. Up to two directors, owners or partners.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

Not stated

Needs a current account with the provider

—

Interest paid

monthly or annually

Access

withdraw in store or by transfer in Online Banking

Open via

branch (store)

Protection

Your eligible deposits with Metro Bank PLC are protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Standard Variable Rate 0.85% AER/gross. Eligibility: 18 or over; at least 50% of directors/beneficial owners UK resident; at least 50% of shares owned by UK residents. Document lists cover sole traders, partnerships, LLPs and limited companies.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

Not stated

Needs a current account with the provider

—

Interest paid

monthly

Access

add or withdraw funds any time, no penalties

Open via

online

Rate tiers

£0-£999,999: 0.85% AER / 0.85% gross; £1m-£4,999,999: 1.16% / 1.15%; £5m-£9,999,999: 1.26% / 1.25%; £10m+: 1.46% / 1.45%

Protection

UK-authorised bank: eligible deposits are FSCS-protected.

Notes

'Save as much as you want - no minimum or maximum balance'. Eligibility: 'a business registered in England, Scotland, or Wales'; entity types not listed. Interest applied on the last business day of each month. Application flow asks whether you are new to NatWest or an existing customer.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, partnership, llp, limited company

Needs a current account with the provider

—

Interest paid

monthly

Access

instant access via online, mobile, telephone banking and cash card at cash machines; not over the counter

Open via

phone or branch

Protection

UK-authorised bank: eligible deposits are FSCS-protected.

Notes

'Minimum balance: £1. No maximum balance.' Business registered in the UK with up to two directors, owners or partners. Rates and information correct as at 2 April 2026.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

charity

Needs a current account with the provider

—

Interest paid

monthly

Access

instant access via cash card, online, mobile and telephone banking

Open via

phone or branch

Protection

UK-authorised bank: eligible deposits are FSCS-protected.

Notes

For clubs, societies, charities and other not-for-profit organisations operating in the UK with annual turnover up to £250,000.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

charity

Needs a current account with the provider

—

Interest paid

Not published

Access

take money out if and when you like

Open via

branch (store)

Protection

Your eligible deposits with Metro Bank PLC are protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Exclusively for clubs, societies and charities with a maximum of 250 employees, turnover under £36 million and balance sheet under £31 million.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

limited company

Needs a current account with the provider

No

Interest paid

quarterly

Access

no withdrawals in the first 3 years; up to 25% in year 4 and up to 50% in year 5 on 91 days' written notice

Open via

post

Rate tiers

Tracks 3.25% below Bank of England base rate (floor 0.00%); currently 0.50% gross / 0.50% AER with base rate at 3.75%

Protection

Your eligible deposits with The Charity Bank Limited are protected up to a total of £120,000 by the Financial Services Compensation Scheme

Notes

Not a conventional savings account: 5-year CITR scheme for UK registered companies liable to corporation tax. 75% of funds eligible for income/corporation tax relief of 5.00% a year for five tax years (up to 25% total) in addition to the tracker interest. Capacity limited, first come first served. Illustration compounds quarterly.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

sole trader, partnership, limited company

Needs a current account with the provider

Yes

Interest paid

monthly

Access

access cash whenever you want, no withdrawal charges

Open via

online (Online for Business or business banking app)

Rate tiers

£1+: 0.50% AER / 0.50% gross; £100,000+: 0.60% / 0.60%; £500,000+: 0.70% / 0.70%; £1,000,000+: 0.90% / 0.90%; £10,000,000+: 1.11% / 1.10%; £20,000,000+: 1.21% / 1.20% (correct as at 20 January 2026)

Protection

UK-authorised bank: eligible deposits are FSCS-protected.

Notes

Headline rate is the £1+ tier. Eligibility stated as 'sole trader, partner or director', for business use. Application is via Online for Business / the business banking app, so a Lloyds business banking login is needed. Note: the Lloyds business savings hub page returned an error page on the day; product pages worked.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

Not stated

Needs a current account with the provider

Yes

Interest paid

at maturity

Access

fixed term of one to 12 months; funds locked for the term

Open via

branch or phone

Protection

FSCS Protected

Notes

Rates not published: 'linked to the London currency money markets and guaranteed for the whole of the fixed term'. Minimum varies by term, as low as £100,000 for one month or more. Must already hold a Barclays business account in the same currency. Also available in USD and EUR.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

Not stated

Needs a current account with the provider

Yes

Interest paid

at maturity

Access

no withdrawals or early closure before maturity

Open via

online (Business Internet Banking), phone or branch

Protection

UK-authorised bank: eligible deposits are FSCS-protected.

Notes

Rates not published: 'tiered and depends on the amount and term', fixed at opening. Terms from 7 days to 1 year, or 2, 3, 4, 5 years; interest yearly for terms over one year. 'No maximum investment limit'. Must hold an HSBC UK account (current or savings) in the same currency. Page illustration (dated 01 September 2025) shows gross 2.23% (1 month), 2.72% (3 months), 3.18% (6 months) on £50,000 - illustrative only, not recorded as current rates.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

Not stated

Needs a current account with the provider

Yes

Interest paid

at maturity

Access

no withdrawals during the term (early withdrawal only in special circumstances, may incur a fee)

Open via

phone (telephone dealing 8.30am-3pm)

Protection

UK-authorised bank: eligible deposits are FSCS-protected.

Notes

Rate not published: 'market aligned interest rates linked to the London money market', fixed when opened. Terms from overnight to 5 years (sterling). Minimum £500,000 for overnight-6 days, £250,000 for 7-27 days, £100,000 for 28+ days. Must hold or open a NatWest Business Current Account or Business Reserve savings account. Interest annually if term exceeds 12 months.

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.

Who can open it

Not stated

Needs a current account with the provider

Yes

Interest paid

monthly

Access

move money in and out instantly to the Business Pro current account

Open via

app or online

Protection

The money in your pots and any accounts you have with Zempler Bank, will be protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 on eligible deposits.

Notes

Rate not recorded because Zempler's live pages disagree: the pricing page says '0.75% interest earning saving pots. Limits apply', the Business Pro page (https://zemplerbank.com/business/current-account/business-pro/) says 'Earn 0.5% interest', and neither states an AER; the savings pot summary box PDF is dated 1 May 2024 (2.00% / 2.018% AER, £500,000 max, £85,000 FSCS) and is out of date. Help page: standard maximum £10,000, interest paid on the 1st of the following month. Only available with the £19/month Business Pro plan. Zempler's own help page states 'We currently do not offer business savings accounts' and refers limited-company customers to Aldermore (referral fee disclosed).

Provider's published rates →Read 5 September 2026. Rates move: check the page before acting.