Personal Savings Account
- 4.95% AER
- No monthly fees
- Quick and simple online set up
Our personal saving accounts
- Access your funds with just 95 days notice
- Simple online application
- FSCS Protection up to £85,000 for individuals and £170,000 for joint accounts
Our most popular accounts
- Simple online application
- Peace of mind protection from downward rate changes
- 14-day deposit window on opening your account
- Simple online application
- Peace of mind protection from downward rate changes
- 14-day deposit window on opening your account
Save smarter with Recognise Bank
Protect and grow your money with our award winning savings accounts. Whether you’re saving for a house or a holiday, be sure to find the rate that’s right for you.
All our savings accounts are FSCS Protected1 completely free to use, and quick and easy to set up.
Enjoy competitive interest rates and deposit between £1,000 and £85,000 today.
Don’t take our word for it. See why our customers love us:
Our personal saving accounts
- Secure your interest rate for five years
- Simple online application
- Peace of mind protection from downward rate changes
- FSCS Protection up to £85,000 for individuals and £170,000 for joint
- Secure your interest rate for three years
- Simple online application
- Peace of mind protection from downward rate changes
- FSCS Protection up to £85,000 for individuals and £170,000 for joint
- Secure your interest rate for two years
- Simple online application
- Peace of mind protection from downward rate changes
- FSCS Protection up to £85,000 for individuals and £170,000 for joint
- Secure your interest rate for 18 months
- Simple online application
- Peace of mind protection from downward rate changes
- FSCS Protection up to £85,000 for individuals and £170,000 for joint
- Access your funds with just 95 days’ notice
- Simple online application
- FSCS Protection up to £85,000 for individuals and £170,000 for joint
- Access your funds with just 35 days’ notice
- Simple online application
- FSCS Protection up to £85,000 for individuals and £170,000 for joint
Important information
- You can deposit between £1,000 and £85,000 (for individuals) and £170,000 (for joint accounts)1.
- We don’t charge fees – you can open an account for free, and benefit from daily support.
- Interest is paid into your Recognise Bank savings account, or your nominated UK bank account monthly or annually – the choice is yours.
- You must be over 18 years old and a UK resident to open 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.
Frequently asked questions
To close a savings account, you must contact us by phone, email or by sending us a secure message and request an account closure. Please refer to your product terms and conditions for more information or contact a member of the team.
No, a personal savings account and an ISA (Individual Savings Account) are different. The key difference is ISAs offer tax-free interest whereas personal savings accounts are subject to tax.
Interest on our personal savings accounts is paid monthly or annually.
Savings accounts themselves don’t directly affect your credit score.
Yes. Each co-owner can deposit, withdraw, and manage the account. Plus, your FSCS protection will be increased to £170,000.
You can view our historic interest rates here.
Can't find what you're looking for?
Check out our savings FAQs or contact us for additional support.
