Personal Savings Account

95 Day Notice Account – 4.95% AER

Earn attractive interest rates without having to lock your money away for a long time.
Gross annually
Gross monthly
Min balance
Max balance
(Joint account holders £170,000)

Opening an account is easy. Here's what to expect:

FSCS Protection

All eligible deposits are protected up to £85,000 for individuals and £170,000 for joint accounts.

Simple set up

Easily open an account in minutes and manage your savings anytime, anywhere online.

Excellent rating

Our savings accounts are award winning and our customers have rated us Excellent on Trustpilot.

Access to funds

Easily access your money by giving us just 95 days’ notice and keep growing your savings with regular deposits.

Key information about this account

Account name

95 Day Notice Account – Issue 4

What is the interest rate?

Annual InterestMonthly Interest

Interest is calculated daily.

You can choose to have your interest paid monthly or annually:

  • If you choose to have your interest paid monthly, interest will be paid on the same date each month that you first paid money into your Account.
  • If you choose to have your interest paid annually, interest will be paid on the anniversary of the date you first paid money into your Account.

You can choose to have your interest paid into your Recognise 95 Day Notice Account or your nominated UK bank account.

Yes, the interest rate is variable.

We can vary the interest rate for any of the reasons that we set out in the product terms and conditions.

  • If the Bank of England Official Base Rate changes.
  • If there is a change in market conditions.
  • If there is a change in regulation or legislation.

Rest assured; we will always let you know of any planned changes to the interest rate as per the product terms and conditions.

  • Minimum deposit is £1,000
  • Maximum deposit is £85,000
  • Maximum deposit for joint accounts is £170,000

Recognise Bank sets a maximum investment limit of £85,000 for individuals and £170,000 for joint accounts, which is in line with the FSCS’s deposit protection scheme.

A notice account is a type of savings account which requires you to give a set period of notice before withdrawing funds.

Notice periods can vary from several weeks to months, depending on the savings account as outlined in the product summary box.


You can withdraw your money after giving Recognise Bank at least 95 days’ notice. By providing this notice, you can avoid any penalties.

Notice savings accounts are a great saving solution for those who want good rates but don’t mind locking their money away for a period. Or those who will know in advance when they need access to their funds. The advantages of a notice account are:


Unlike fixed term accounts, you can make deposits at any time and withdraw your funds by giving 95 days’ notice.

Generous interest rates

Committing to a notice account rather than an instant access allows banks to offer higher interest rates.

Opening a savings account with Recognise Bank is a straightforward process which takes only 4 steps:

  1. Click apply now
  2. Follow the onscreen instructions and provide us with some details and existing UK account information.
  3. Make your first deposit within 14 days.
  4. That’s it! Watch your savings grow.
 Annual InterestMonthly Interest
Initial DepositInterest EarnedBalance after 12 monthsInterest EarnedBalance after 12 months

The projection assumes that:

  • Your Initial Deposit is paid into the Account when it is opened
  • It is not a leap year
  • No further deposits or withdrawals are made during the 12 months period
  • The interest rate does not vary during the 12 months period

The calculation is for illustrative purposes only and does not consider your individual circumstances.

Cut-off times for deposit and withdrawal instructions refer to the latest time of day you can issue an instruction before it rolls over to the next day.

Recognise Bank’s cut-off time for withdrawals is 2pm. If you request a withdrawal before that time, we will action the request on the same day.

We will do it on the following business day if you request it after that time.

Please be aware you are required to make your initial deposit within 14 days of opening your account.

Your eligible deposits with Recognise Bank are protected up to a total of £85,000 for individuals and £170,000 for joint accounts by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme. This means in the unlikely event that Recognise Bank were to fail or become insolvent, any deposits you hold below this limit will be protected under this scheme. For more information visit

Important information

Make sure you read our general terms and conditions, product terms and conditions and product summary before opening an account.

AER stands for annual equivalent rate and illustrates the interest rate if it was paid and compounded annually each year.

Gross is the interest rate payable before tax is deducted

95 Day Notice Account - Earn 4.95% AER

Earn attractive interest rates without having to lock your money away for a long time

Recognise your potential

We believe that everyone deserves financial support, regardless of whether you’re a business owner or an individual seeking personal banking services.

That’s why we’ve extended our expertise to cater to personal customers, just like you.

Experience the difference of saving with a bank that puts relationships first. Join us today and discover the personalised support, innovative solutions, and unwavering dedication that has made Recognise Bank a trusted partner for both businesses and individuals alike.

Don’t take our word for it. Hear from those who are already enjoying our Savings Accounts

Frequently asked questions

When you deposit money into a savings account, your bank will pay interest into your chosen account either monthly or annually.

The amount of much interest you earn depends on the type of savings account and in accordance with the terms and conditions.

Fixed interest rates – will not change for the duration of your account term and will not be affected by the Bank of England Base Rate.

Variable interest rates – the interest is not set and can go up and down, often influenced by the Bank of England Base Rate.

Interest is calculated on a 365 day year basis and in a leap year we add an extra day of interest on the 29 February, which is included in the next interest payment made to your account following that date.

Interest rates applicable to your respective Recognise savings account type can be found within the Summary Box.

Yes, your notice account’s interest rates are subject to change and may increase or decrease at any time.

Yes, your account will continue earning interest throughout the notification period.

If you’d like to withdraw money, you must provide 95 days’ notice. You can notify us by submitting a withdrawal request via ‘manage my Account’ in our online banking platform.

For full instructions please read your product terms and conditions.

If you have any questions about your account, you can also contact us – we’re happy to help.

You are required to wait for the minimum notice period specified in your account’s terms to withdraw your funds.

Every notice request is treated separately. To discuss extending or cancelling your notice, please contact a member of the team. 

Can't find what you're looking for?

Check out our savings FAQs or contact us for additional support.