Compare notice accounts

Notice accounts

If you want to be able to dip into your savings but don’t necessarily need immediate access, you may be able to earn a higher rate of interest on a notice account than you can with an easy access account.

Need instant access to your savings on a regular basis? Easy Access accounts may suit your needs better.

Notice accounts - Ordered by interest rate

Paragon Bank Paragon Bank

120 Day Notice (Issue 10)

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Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

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Notice period

120 days

Account type

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Great for
  • UK based bank with FSCS protection up to £85,000
  • A choice between monthly or annual interest
  • Opening and managing your account online
But be aware that
  • Online access only
  • You must be over 18 and a UK resident to open this account
  • 120 days' notice is required for withdrawals
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Wyelands Bank Wyelands Bank

95 Day Notice Account

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Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

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Notice period

95 days

Account type

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Go to site
Great for
  • A choice between monthly or annual interest
  • Online application and operation
  • FSCS protection up to £85,000 per depositor
But be aware that
  • 95 days' notice is required for withdrawals
Show key information
Close
Aldermore Aldermore

30 Day Notice Issue 7

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Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

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Notice period

30 days

Account type

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Great for
  • Interest rate is variable and doesn't include any bonuses or introductory offers
  • Fast and easy setup - open an account, complete identity checks and move your money in minutes
  • Open an account with just £1,000
But be aware that
  • You'll need to provide details of a UK personal bank or building society account to link to your account.
  • Interest will be earned from the date on which Aldermore receive your money
  • You must be over 18 and a UK resident to open this account
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Wyelands Bank Wyelands Bank

35 Day Notice Account

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Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Min/max opening amount

{{productCurrency}}{{5000 | currency : '' : 0}} to {{productCurrency}}{{1000000 | currency : '' : 0}}

Notice period

35 days

Account type

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Go to site
Great for
  • A choice between monthly or annual interest
  • Online application and operation
  • FSCS protection up to £85,000 per depositor
But be aware that
  • 35 days' notice is required for withdrawals
Show key information
Close


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Notice Accounts Guide

What is a notice account?

It’s not easy these days to find a decent rate on your savings. The average easy access account pays interest of less than 1%, so it’s perhaps not surprising that savers are looking beyond standard accounts to try to get a better return on their money.

What is a notice account?

Most banks and building societies offer notice accounts – and as their name suggests, the accounts demand notice of withdrawals. In other words, you don’t have instant access to your cash.  And you usually have to specify the amount you want to withdraw.

The notice period varies but typically starts at about 30 days, rising to 120 days on some accounts.  There might also be a limit on the number of withdrawals you can make within any one year, so you need to read the small print carefully. 

The restrictions on notice accounts can help savers overcome the temptation to dip into their nest egg, but they can also prove costly.  If, for example, you need immediate access to your money, you will normally have to pay a penalty.

Internet junkies should also bear in mind that most notice accounts are branch or postal, though some banks and building societies allow you to manage your savings online.

Notice accounts sometimes pay higher rates of interest than easy access deals, and the longer the notice period, usually the higher the rate.  But it is always worth checking a range of accounts.  Savers can for example, earn higher rates of interest in some of the top easy access deals. You might also get a better return on a 60 day than a 90 day notice account.

There is no point in opening a notice account if you think you will need to withdraw your money in a hurry.  So, they are not a suitable home for emergency funds in case the washing machine breaks down or the roof needs repairs. The accounts are more appropriate for people who have no intention of touching the cash for at least the length of the notice period. They might, for example, be saving up for a wedding or a deposit on a house.

Keep an eye on the rate

You might not be able to touch the money in a notice account, but you shouldn’t forget about it completely. Most notice accounts pay variable rates of interest so the amount you earn can go down as well as up. It is therefore important to regularly monitor the rate to make sure you are getting a good deal.

Other options

If you don’t think a notice account is right for you, there are various other types of savings accounts on the market. You can, for example, fix your rate or open an easy access savings account. MoneySuperMarket can help you find the best deal on your savings because it allows you to compare rates on a wide range of accounts. The service is quick and easy to use, plus it’s free and independent, saving you money all round.

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