Best Notice Account Rates - 90 Days
We found 111 PRODUCTS in total, of which 20 are EASY TO OPEN
StreamBank 90 Day Notice Account - Issue 9
In the UK, the first £120,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this. The deposits of most businesses are covered up to the £120,000 limit, but businesses should check with their bank before they apply as there are exclusions.
Bank of London and The Middle East 90 Day Notice Account (Issue 10)
In the UK, the first £120,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this. The deposits of most businesses are covered up to the £120,000 limit, but businesses should check with their bank before they apply as there are exclusions.
Vida Savings Raisin UK - 45 Day Notice Account
In the UK, the first £120,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this. The deposits of most businesses are covered up to the £120,000 limit, but businesses should check with their bank before they apply as there are exclusions.
Plan a little ahead and let your savings do more. A smart way to grow your money while keeping flexibility, backed by a trusted building society that’s been supporting savers for generations.
United Trust Bank UTB 30 Day Notice
In the UK, the first £120,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this. The deposits of most businesses are covered up to the £120,000 limit, but businesses should check with their bank before they apply as there are exclusions.
Investec Bank plc Raisin UK - 32 Day Notice Account
In the UK, the first £120,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this. The deposits of most businesses are covered up to the £120,000 limit, but businesses should check with their bank before they apply as there are exclusions.
In the UK this bank/building society shares its compensation limit with
Investec Save.
Trusted by moneyfactscompare.co.uk, Kellands are chartered financial planners that specialise in quality financial planning and investment advice. Learn more about speaking to Kellands for a one hour consultation free of charge. Min. £100k in savings & investments.
Investec Save 90-Day Notice Saver Issue 7
In the UK, the first £120,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this. The deposits of most businesses are covered up to the £120,000 limit, but businesses should check with their bank before they apply as there are exclusions.
In the UK this bank/building society shares its compensation limit with
Investec Bank plc.
UBL UK Meteor Savings - 35 Day Notice Account
In the UK, the first £120,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this. The deposits of most businesses are covered up to the £120,000 limit, but businesses should check with their bank before they apply as there are exclusions.
UBL UK Raisin UK - 35 Day Notice Account
In the UK, the first £120,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this. The deposits of most businesses are covered up to the £120,000 limit, but businesses should check with their bank before they apply as there are exclusions.
United Trust Bank UTB 40 Day Notice Issue 2
In the UK, the first £120,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this. The deposits of most businesses are covered up to the £120,000 limit, but businesses should check with their bank before they apply as there are exclusions.
QIB (UK) Raisin UK - 31 Day Notice Account
In the UK, the first £120,000 of savings per person is protected by the Financial Services Compensation Scheme. Some banking brands share the same banking licence which means your deposit protection is across all brands sharing the licence. If you have also borrowed from the failed bank/building society, the compensation will not be reduced to repay your debt, separate arrangements will be made for this. The deposits of most businesses are covered up to the £120,000 limit, but businesses should check with their bank before they apply as there are exclusions.
Eligible deposits with UK institutions are protected by the FSCS up to £120,000 per person per institution.
Who owns whom?
Find out which banks and savings account providers operate under which banking license with our who owns whom guide, helping savers work out to what degree their savings are protected by the FSCS.
DisclaimerAll rates subject to change without notice. Please check all rates and terms before investing or borrowing. Accounts available to the institution’s existing customers only are not included in our search results.
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A 90-day notice account is one that asks you to give notice before you make a withdrawal, in this case, 90 days’ notice (though our chart above includes those requesting up to 90 days’ notice, with other terms on offer as well).
These accounts are variable and typically offer higher rates than easy access accounts or notice accounts with shorter terms – though not always, so make sure to check – without needing to lose access to your money for too long.
They work in much the same way as any other variable rate savings account – you open the account, make your deposit, add more when you can, and withdraw funds when you choose, subject to the required notice period being given. Some will let you waive the notice period and access your cash immediately, but this will normally be subject to an interest penalty, so it’s important to weigh this up carefully.
Other conditions are likely to apply as well, particularly in terms of opening criteria, and you may be expected to have a linked current account as well. Always check the terms of your preferred deal before making your decision – you can find out more about each account by clicking on “Product Specification” in the chart above.
90-day notice savings accounts could be the ideal choice if you’re happy giving notice before making a withdrawal, but don’t want to commit to a fixed rate bond, offering a middle ground in terms of flexibility.
They’re variable rate accounts, which means further additions can normally be made whenever you need, so are great for those who want to get into the habit of saving regularly.
However, the restrictions on access mean they shouldn’t be used as an emergency fund, and bear in mind that for 90-day notice accounts, the best rates tend to be reserved for those with a larger opening deposit, so are most suitable for those who already have a decent savings pot. Just be mindful of tax limits in this case, and if you think you might breach your Personal Savings Allowance (PSA), it might be worth considering the best notice ISAs instead.
Yes, provided you give sufficient notice to your savings provider. Withdrawal requests can often be made via your online banking portal, though you may be able to arrange it by phone, email or post, depending on your account management options. Once the 90-day notice period has come to an end, your money will be transferred.
Some accounts will allow partial withdrawals, while others only permit the full balance to be withdrawn, so make sure to check the terms and conditions. Check too the cancellation procedures, as some accounts will let you cancel your withdrawal if you change your mind.
It’s also worth considering if you want the option of accessing your money without giving notice. Some accounts will allow earlier access to your funds on payment of a penalty, which typically equates to the loss of 90 days’ interest.
You can open a 90-day notice account in much the same way as any other account:
Given that 90-day notice savings accounts are cash-based, your money is as safe as in any other kind of account. Money held is protected by the Financial Services Compensation Scheme (FSCS), up to the value of £120,000 per person per banking licence, and because returns are based on interest rates rather than investment performance, you’re guaranteed to never end up with less than you put in.
The only thing that isn’t guaranteed is the interest rate. Given that notice accounts are variable, the rate offered – and therefore the returns you receive – can fluctuate, with the provider able to change it at any time. However, they’re required to give sufficient warning of any rate change, and because you’re not tied in for the long-term, this also gives you the chance to compare rates elsewhere. This ensures you’re always getting the very best 90-day notice savings accounts available.
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