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A Reminder of Our Interest Rates

Issue Number Date Rate Effective from Date Rate Effective to Annual AER Annual Gross Monthly AER Monthly Gross
35 Day Notice Account Issue 2
No longer available for new applications		 04.07.2023 Current 1.75% 1.75% 1.75% 1.74%
35 Day Notice Account Issue 2
No longer available for new applications		 17.04.2023 03.07.2023 1.50% 1.50% 1.50% 1.49%
35 Day Notice Account Issue 2
No longer available for new applications		 04.10.2022 16.04.2023 1.25% 1.25% 1.25% 1.24%
35 Day Notice Account Issue 2
No longer available for new applications		 04.08.2022 03.10.2022 1.00% 1.00% 1.00% 1.00%
35 Day Notice Account Issue 2
No longer available for new applications		 11.02.2022 03.08.2022 0.75% 0.75% 0.75% 0.75%
35 Day Notice Account Issue 1
No longer available for new applications		 04.07.2023 Current 2.00% 2.00% 2.00% 1.98%
35 Day Notice Account Issue 1
No longer available for new applications		 17.04.2023 03.07.2023 1.75% 1.75% 1.75% 1.74%
35 Day Notice Account Issue 1
No longer available for new applications		 04.10.2022 16.04.2023 1.50% 1.50% 1.50% 1.49%
35 Day Notice Account Issue 1
No longer available for new applications		 04.08.2022 03.10.2022 1.25% 1.25% 1.25% 1.24%
35 Day Notice Account Issue 1
No longer available for new applications		 11.02.2022 03.08.2022 1.00% 1.00% 1.00% 1.00%
35 Day Notice Account Issue 1
Closed		 28.01.2022 10.02.2022 0.75% 0.75% 0.75% 0.75%
Issue Number Date Rate Effective from Date Rate Effective to Annual AER Annual Gross Monthly AER Monthly Gross
95 Day Notice Account Issue 5 28.05.2025 Current 4.20% 4.20% 4.20% 4.12%
95 Day Notice Account Issue 4 No longer available for new applications  11.03.2025 27.05.2025 4.45% 4.45% 4.45% 4.36%
95 Day Notice Account Issue 4 No longer available for new applications  18.12.2024 10.03.2025 4.70% 4.70% 4.70% 4.60%
95 Day Notice Account Issue 4 No longer available for new applications  09.08.2023 17.12.2024 4.95% 4.95% 4.95% 4.84%
95 Day Notice Account Issue 4 No longer available for new applications 04.07.2023 08.08.2023 3.50% 3.50% 3.50% 3.45%
95 Day Notice Account Issue 4 No longer available for new applications 17.04.2023 03.07.2023 3.25% 3.25% 3.25% 3.20%
95 Day Notice Account Issue 4 No longer available for new applications 10.11.2022 16.04.2023 3.00% 3.00% 3.00% 2.96%
95 Day Notice Account Issue 4 No longer available for new applications 27.10.2022 09.11.2022 2.25% 2.25% 2.25% 2.23%
95 Day Notice Account Issue 4 No longer available for new applications 04.10.2022 26.10.2022 2.20% 2.20% 2.20% 2.18%
95 Day Notice Account Issue 4 No longer available for new applications 04.08.2022 03.10.2022 1.85% 1.85% 1.85% 1.83%
95 Day Notice Account Issue 4 No longer available for new applications 28.06.2022 03.08.2022 1.60% 1.60% 1.60% 1.59%
95 Day Notice Account Issue 4 No longer available for new applications 31.05.2022 27.06.2022 1.35% 1.35% 1.35% 1.34%
95 Day Notice Account Issue 4 No longer available for new applications 17.05.2022 30.05.2022 1.10% 1.10% 1.10% 1.09%
95 Day Notice Account Issue 4 No longer available for new applications 11.02.2022 16.05.2022 0.85% 0.85% 0.85% 0.85%
95 Day Notice Account Issue 3 No longer available for new applications 18.12.2024 Current 4.70% 4.70% 4.70% 4.60%
95 Day Notice Account Issue 3 No longer available for new applications 09.08.2023 17.12.2024 4.95% 4.95% 4.95% 4.84%
95 Day Notice Account Issue 3 No longer available for new applications 04.07.2023 08.08.2023 3.50% 3.50% 3.50% 3.45%
95 Day Notice Account Issue 3 No longer available for new applications 17.04.2023 03.07.2023 3.25% 3.25% 3.25% 3.20%
95 Day Notice Account Issue 3 No longer available for new applications 10.11.2022 16.04.2023 3.00% 3.00% 3.00% 2.96%
95 Day Notice Account Issue 3 No longer available for new applications 04.10.2022 09.11.2022 2.25% 2.25% 2.25% 2.23%
95 Day Notice Account Issue 3 No longer available for new applications 04.08.2022 03.10.2022 1.85% 1.85% 1.85% 1.83%
95 Day Notice Account Issue 3 No longer available for new applications 28.06.2022 03.08.2022 1.60% 1.60% 1.60% 1.59%
95 Day Notice Account Issue 3 No longer available for new applications 31.05.2022 27.06.2022 1.35% 1.35% 1.35% 1.34%
95 Day Notice Account Issue 3 No longer available for new applications 11.02.2022 30.05.2022 0.85% 0.85% 0.85% 0.85%
95 Day Notice Account Issue 3 Closed 28.01.2022 10.02.2022 0.85% 0.85% 0.85% 0.85%
95 Day Notice Account Issue 3 Closed 13.12.2021 27.01.2022 0.75% 0.75% 0.75% 0.75%
95 Day Notice Account Issue 2 No longer available for new applications 18.12.2024 Current 4.70% 4.70% 4.70% 4.60%
95 Day Notice Account Issue 2 No longer available for new applications 09.08.2023 17.12.2024 4.95% 4.95% 4.95% 4.84%
95 Day Notice Account Issue 2 No longer available for new applications 04.07.2023 08.08.2023 3.50% 3.50% 3.50% 3.45%
95 Day Notice Account Issue 2 No longer available for new applications 17.04.2023 03.07.2023 3.25% 3.25% 3.25% 3.20%
95 Day Notice Account Issue 2 No longer available for new applications 10.11.2022 16.04.2023 3.00% 3.00% 3.00% 2.96%
95 Day Notice Account Issue 2 No longer available for new applications 04.10.2022 09.11.2022 2.25% 2.25% 2.25% 2.23%
95 Day Notice Account Issue 2 No longer available for new applications 04.08.2022 03.10.2022 1.85% 1.85% 1.85% 1.83%
95 Day Notice Account Issue 2 No longer available for new applications 28.06.2022 03.08.2022 1.60% 1.60% 1.60% 1.59%
95 Day Notice Account Issue 2 No longer available for new applications 11.02.2022 27.06.2022 1.35% 1.35% 1.35% 1.34%
95 Day Notice Account Issue 2 Closed 23.12.2021 10.02.2022 1.10% 1.10% 1.10% 1.09%
95 Day Notice Account Issue 2 Closed 15.10.2021 22.12.2021 0.95% 0.95% 0.95% 0.95%
95 Day Notice Account Issue 1 No longer available for new applications 18.12.2024 Current 4.70% 4.70% 4.70% 4.60%
95 Day Notice Account Issue 1 No longer available for new applications 09.08.2023 17.12.2024 4.95% 4.95% 4.95% 4.84%
95 Day Notice Account Issue 1 No longer available for new applications 17.04.2023 03.07.2023 3.25% 3.25% 3.25% 3.20%
95 Day Notice Account Issue 1 No longer available for new applications 10.11.2022 16.04.2023 3.00% 3.00% 3.00% 2.96%
95 Day Notice Account Issue 1 No longer available for new applications 04.10.2022 09.11.2022 2.25% 2.25% 2.25% 2.23%
95 Day Notice Account Issue 1 No longer available for new applications 04.08.2022 03.10.2022 2.00% 2.00% 2.00% 1.98%
95 Day Notice Account Issue 1 No longer available for new applications 28.06.2022 03.08.2022 1.75% 1.75% 1.75% 1.74%
95 Day Notice Account Issue 1 No longer available for new applications 11.02.2022 27.06.2022 1.50% 1.50% 1.50% 1.49%
95 Day Notice Account Issue 1 Closed 23.12.2021 10.02.2022 1.25% 1.25% 1.25% 1.24%
95 Day Notice Account Issue 1 Closed 01.10.2021 22.12.2021 1.10% 1.10% 1.10% 1.09%
95 Day Notice Account Issue 1 Closed 21.09.2021 30.09.2021 1.00% 1.00% 1.00% 1.00%
Issue NumberDate Rate Effective fromDate Rate Effective toAnnual AERAnnual GrossMonthly AERMonthly Gross
1 Year Fixed Rate Account
No longer available for new applications		04.02.202204.02.20221.60%1.60%1.60%1.59%
Issue Number Date Rate Effective from Date Rate Effective to Annual AER Annual Gross Monthly AER Monthly Gross
18 Month Fixed Rate Account No longer available for new applications 27.06.2023 28.09.2023 5.70% 5.70% 5.70% 5.56%
Issue NumberDate Rate Effective fromDate Rate Effective toAnnual AERAnnual GrossMonthly AERMonthly Gross
2 Year Fixed Rate Account
No longer available for new applications		19.09.202326.09.20235.50%5.50%5.50%5.37%
2 Year Fixed Rate Account
No longer available for new applications		30.08.202318.09.20236.00%6.00%6.00%5.84%
2 Year Fixed Rate Account
No longer available for new applications		08.08.202324.08.20236.10%6.10%6.10%5.94%
2 Year Fixed Rate Account
No longer available for new applications		27.06.202307.08.20235.80%5.80%5.80%5.65%
Issue NumberDate Rate Effective fromDate Rate Effective toAnnual AERAnnual GrossMonthly AERMonthly Gross
3 Year Fixed Rate Account
No longer available for new applications		19.09.202326.09.20235.45%5.45%5.45%5.32%
3 Year Fixed Rate Account
No longer available for new applications		30.08.202318.09.20235.95%5.95%5.95%5.79%
3 Year Fixed Rate Account
No longer available for new applications		08.08.202324.08.20236.05%6.05%6.05%5.89%
3 Year Fixed Rate Account
No longer available for new applications		23.06.202307.08.20235.85%5.85%5.85%5.70%
3 Year Fixed Rate Account
No longer available for new applications		12.06.202322.06.20235.40%5.40%5.40%5.27%
Issue NumberDate Rate Effective fromDate Rate Effective toAnnual AERAnnual GrossMonthly AERMonthly Gross
5 Year Fixed Rate
No longer available for new applications		19.09.202326.09.20235.25%5.25%5.25%5.13%
5 Year Fixed Rate
No longer available for new applications		14.07.202318.09.20235.75%5.75%5.75%5.60%
5 Year Fixed Rate
No longer available for new applications		21.09.202118.10.20212.00%2.00%2.00%1.98%
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Recognise Bank Limited is a company registered in England and Wales (CRN 10603119), at 4th Floor, Henry Thomas House, 5-11 Worship Street, London, EC2A 2BH. Recognise Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under FRN 849404. 

Eligible deposits with Recognise Bank are protected up to a total of £85,000 for individuals by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme. Visit the FSCS website to see how your money is protected. 

Loan facilities offered by Recognise Bank are non-regulated contracts under the Financial Services and Markets (Regulated Activities) Order 2001 and the Financial Services and Markets Mortgage Credit Directive Order 2015. Your property is at risk if you fail to make payments on a mortgage contract. 

All products and services are subject to Terms and Conditions. Recognise Bank reserves the right to withdraw any product from sale at any time.

© Recognise Bank 2025

Steve Pateman

Steve has had an extensive executive career in banking, leading corporate and commercial banking businesses at RBS/NatWest, managing Santander’s UK banking businesses and as CEO of Shawbrook Bank, Hodge Banking Group and most recently successfully leading the banking licence application for StreamBank.

He is a non-executive Director at Bank of Ireland both in the UK and Dublin and Thin Cats, a specialist SME lending business and is retained as an advisor to Black Lion Ventures. He was previously President of the Chartered Banker Institute.

Steve took up the role of Chair (subject to regulatory approval) at Recognise Bank in November 2024, having served as an Investor Non-Executive Director since January 2024.