Best 180 Day Notice Savings Accounts & Latest Rates

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How does a 180-day notice account work?

180-day notice accounts work by asking you to deposit an initial sum of money, which you can only access by giving 180 days’ notice. In return, you’ll get higher interest rates than accounts with easier access, without needing to completely lock your money away. After the initial deposit you’re free to make further additions as well, making these accounts ideal for those who want to get into the savings habit.

Then, when you’re ready to make a withdrawal, you simply notify your savings provider, making sure to give 180 days’ notice. The amount of advance warning required means these accounts are best suited to those who have a specific end date in mind, with different savings accounts available for those who may need more flexible access.

Can you withdraw money from a 180-day notice account?

Yes, provided you give 180 days’ notice to your savings provider. You’ll typically be able to request a withdrawal via your online banking app, by phone, in writing or in branch, depending on your account management options. Once the notice period has come to an end your money will be transferred to your chosen account.

There are a few accounts that will let you access your money earlier, but this will typically result in a penalty equivalent to 180 days’ worth of interest. When comparing the best 180-day notice accounts, make sure to check the terms and conditions of each if you’d like to have this as an option.