HomeInstant Access |
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| Institution | Name of account | Interest rate (quoted gross pa) | Minimum Balance | Maximum Balance | Notes | Applicable compensation scheme* | Contact details |
| AIB International Savings | Instant Access | 2.50% | £25,000 | None | Isle of Man DCS and ELG scheme |  |
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| Santander | 12 Month Breakable Time Deposit | 2.10% | £50,000 | TBC | No penalties for withdrawing early | FSCS | |
| Scottish Widows Bank | Pension Fund Deposit Account | 2.00% 1.75% | £50,000 £500 | £5,000,000 £50,000 | FSCS | ||
| Santander | Reward Saver | 1.98% | £30,000 | TBC | FSCS | |
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| Nationwide International | Special Reserve | 1.80% | £50,000 | None | Isle of Man DCS | ||
| Leeds Building Society | Unlimited Access SIPP Deposit | 1.80% | £100 | £1,000,000 | FSCS | |
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| Britannia International | Corporate Access | 1.6% | £50,000 | £1,000,000 | Isle of Man DCS | ||
| Irish Nationwide (IOM) | Instant Access | 1.00% 0.75% 0.50% 0.25% | £50,000 £25,000 £10,000 £0 | £1,000,000 £49,999 £24,999 £9,999 | Isle of Man DCS and ELG scheme | |
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30 Day Notice |
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| Institution | Name of account | Interest rate (quoted gross pa) | Minimum Balance | Maximum Balance | Notes | Applicable compensation scheme* | |
| Nationwide International | Special Reserve Notice 95 | 2.30% | £50,000 | £3,000,000 | Isle of Man DCS | ||
| Investec | Pension & Trust Reserve Account | 2.23% | £25,000 | None | FSCS | ||
| Britannia International | 30 day notice account | 1.70% | £50,000 | £2,000,000 | Isle of Man DCS | ||
| Irish Nationwide (IOM) | 35 day notice account | 1.50% 1.25% 0.75% | £25,000 £10,000 £0 | £1,000,000 £24,999 £9,999 | Isle of Man DCS and ELG scheme | |
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60 Day Notice |
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| Institution | Name of account | Interest rate (quoted gross pa) | Minimum Balance | Maximum Balance | Notes | Applicable compensation scheme* | |
| Ipswich Building Society | Pension Reserve | 2.40% 2.15% 1.90% | £85,000 £25,000 £1,000 | £500,000 £84,999 £24,999 | FSCS | ||
1 Month Fixed Rate |
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| Institution | Name of account | Interest rate (quoted gross pa) | Minimum Balance | Maximum Balance | Notes | Applicable compensation scheme* | |
| AIB International Savings | 1 month fixed rate | 2.55% | £25,000 | None | Isle of Man DCS and ELG scheme | |
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| Close Brothers Treasury | 1 month fixed rate | 1.00% | £50,000 | None | FSCS | ||
| Cater Allen | 1 month fixed rate | 0.77% | £50,000 | None | FSCS | |
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2 Month Fixed Rate |
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| Institution | Name of account | Interest rate (quoted gross pa) | Minimum Balance | Maximum Balance | Notes | Applicable compensation scheme* | |
| AIB International Savings | 2 month fixed rate | 2.60% | £25,000 | None | Isle of Man DCS and ELG scheme | |
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| Close Brothers Treasury | 2 month fixed rate | 1.20% | £50,000 | None | FSCS | ||
| Cater Allen | 2 month fixed rate | 0.88% | £50,000 | None | |
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3 Month Fixed Rate |
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| Institution | Name of account | Interest rate (quoted gross pa) | Minimum Balance | Maximum Balance | Notes | Applicable compensation scheme* | |
| AIB International Savings | 3 month fixed rate | 2.75% | £25,000 | None | Isle of Man DCS and ELG scheme | |
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| Irish Nationwide (IOM) | 3 month fixed rate | 2.70% 2.60% 2.50% | £100,000 £50,000 £20,000 | £3,000,000 £99,999 £49,999 | Isle of Man DCS and ELG scheme | |
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| Bank of Ireland | 3 month fixed rate | 2.00% | £50,000 | None | ELG scheme | ||
| Allied Irish (GB) | 3 month fixed rate | 1.75% | £25,000 | £3,000,000 | FSCS | ||
| United Trust Bank | 3 month notice | 1.55% | £500 | £500,000 | FSCS | ||
| Close Brothers Treasury | 3 month fixed rate | 1.40% | £50,000 | None | FSCS | ||
| Cater Allen | 3 month fixed rate | 1.19% | £50,000 | None | FSCS | |
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6 Month Fixed Rate |
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| Institution | Name of account | Interest rate (quoted gross pa) | Minimum Balance | Maximum Balance | Notes | Applicable compensation scheme* | |
| AIB International Savings | 6 month fixed rate | 3.00% | £25,000 | None | Isle of Man DCS and ELG scheme | |
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| Julian Hodge Bank | Capital Millennium Bond | 3.00% | £1,000 | £1,000,000 | FSCS | ||
| Irish Nationwide (IOM) | 6 month fixed rate | 2.90% 2.80% 2.70% | £100,000 £50,000 £20,000 | £3,000,000 £99,999 £49,999 | Isle of Man DCS and ELG scheme | |
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| Investec | 6 month fixed term deposit | 2.50% | £50,000 | None | Rate is indicative and could change daily | FSCS | |
| Nationwide International | 6 month fixed rate | 2.50% | £50,000 | £3,000,000 | Isle of Man DCS | ||
| Allied Irish (GB) | 6 month fixed rate | 2.25% | £25,000 | £3,000,000 | FSCS | ||
| Bank of Ireland | 6 month fixed rate | 2.25% | £50,000 | None | ELG scheme | ||
| Santander | 6 month time deposit | 2.25% | £50,000 | £3,000,000 | FSCS | |
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| Bath Building Society | Pension Direct 6 month fixed rate | 2.05% | £50,000 | £250,000 | FSCS | ||
| Close Brothers Treasury | 6 month fixed rate | 1.85% | £50,000 | None | FSCS | ||
| Cater Allen | 6 month fixed rate | 1.579% | £50,000 | None | FSCS | |
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9 Month Fixed Rate |
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| Institution | Name of account | Interest rate (quoted gross pa) | Minimum Balance | Maximum Balance | Notes | Applicable compensation scheme* | |
| Irish Nationwide (IO) | 9 month fixed rate | 3.10% 3.00% 2.90% | £100,000 £50,000 £20,000 | £3,000,000 £99,999 £49,999 | Isle of Man DCS and ELG scheme | |
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| Julian Hodge Bank | Capital Millennium Bond | 3.05% | £1,000 | £1,000,000 | FSCS | ||
| Bank of Ireland | 9 month fixed rate | 2.50% | £50,000 | None | ELG scheme | ||
| Cater Allen | 9 month fixed rate | 1.89% | £50,000 | None | FSCS | |
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1 Year Fixed Rate |
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| Institution | Name of account | Interest rate (quoted gross pa) | Minimum Balance | Maximum Balance | Notes | Applicable compensation scheme* | |
| AIB International Savings | 12 month fixed rate | 3.50% | £25,000 | None | Isle of Man DCS and ELG scheme | |
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| Clydesdale Bank International | 1 year fixed rate | 3.50% | £10,000 | £5,000,000 | None | ||
| Irish Nationwide (IOM) | 1 year fixed rate | 3.50% | £20,000 | £3,000,000 | Isle of Man DCS and ELG scheme | |
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| Nationwide International | 12 month fixed rate | 3.50% 3.20% | £100,000+ £50,000 - £99,999 | £3,000,000 | Isle of Man DCS | ||
| Investec | 12 month fixed term deposit account | 3.35% | £50,000 | None | Rate is indicative and could change daily | FSCS | |
| Allied Irish (GB) | 12 month fixed rate | 3.30% | £25,000 | £3,000,000 | FSCS | ||
| Julian Hodge Bank | Capital Millennium Bond | 3.20% | £1,000 | £1,000,000 | FSCS | ||
| Cater Allen | 12 month fixed term deposit | 3.20% | £50,000 | None | FSCS | |
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| Bank of Ireland | 12 month fixed rate | 3.00% | £50,000 | None | ELG Scheme | ||
| Santander | 1 Year Commercial Bond | 3.00% | £25,000 | £5,000,000 | FSCS | |
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| Close Brothers Treasury | 1 year fixed rate | 3.00% | £50,000 | None | FSCS | ||
| Britannia International | 1 year fixed rate | 2.70% | £50,000 | £2,000,000 | Isle of Man DCS | ||
| United Trust Bank | 1 year fixed rate | 2.50% | £500 | £500,000 | FSCS | ||
| Bath Building Society | Pension Direct 12 month fixed rate bond | 2.40% | £10,000 | £250,000 | FSCS | ||
| Buckinghamshire Building Society | 1 year fixed rate | 2.35% | £100 | £1,000,000 | FSCS | ||
| Ipswich Building Society | 1 year fixed rate | 2.35% | £1,000 | £250,000 | FSCS | ||
| Leeds Building Society | 1 year fixed rate SIPP deposit | 2.30% | £100 | £1,000,000 | Up to 25% of the capital can be accessed without notice or loss of interest. | FSCS | |
2 Year Fixed Rate |
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| Institution | Name of account | Interest rate (quoted gross pa) | Minimum Balance | Maximum Balance | Notes | Applicable compensation scheme* | |
| Allied Irish (GB) | 24 month fixed rate | 3.80% | £25,000 | £3,000,000 | FSCS | ||
| Clydesdale Bank | 2 year fixed rate | 3.80% | £10,000 | £5,000,000 | None | ||
| Irish Nationwide (IOM) | 2 year fixed rate | 3.75% | £20,000 | £3,000,000 | Isle of Man DCS and ELG scheme | |
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| Cater Allen | 24 month fixed term deposit | 3.55% | £50,000 | None | FSCS | |
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| Close Brothers Treasury | 2 year fixed rate | 3.50% | £50,000 | None | FSCS | ||
| Investec | 2 year fixed term deposit account | 3.45% | £50,000 | None | Rate is indicative and could change daily | FSCS | |
| Julian Hodge Bank | Capital Millennium Bond | 3.35% | £1,000 | £1,000,000 | FSCS | ||
| Buckinghamshire Building Society | 2 year fixed rate | 3.00% | £100 | £500,000 | FSCS | ||
| United Trust Bank | 2 year fixed rate | 2.85% | £500 | £250,000 | FSCS | ||
| Ipswich Building Society | 2 year fixed rate | 2.55% | £1,000 | £250,000 | FSCS | ||
| Leeds Building Society | 2 year fixed rate SIPP deposit | 2.50% | £100 | £1,000,000 | Up to 25% of the capital can be accessed without notice or loss of interest. | FSCS | |
3 Year Fixed Rate |
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| Institution | Name of account | Interest rate (quoted gross pa) | Minimum Balance | Maximum Balance | Notes | Applicable compensation scheme* | |
| Clydesdale Bank International | 3 year fixed rate | 4.00% annual option | £10,000 | £5,000,000 | Monthly interest option available at 3.69% | None | |
| Irish Nationwide (IOM) | 3 year fixed rate | 3.85% | £20,000 | £3,000,000 | Isle of Man DCS and ELG scheme | |
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| Scottish Widows | 3 year fixed rate | 3.75% | £10,000 | £5,000,000 | FSCS | ||
| Cater Allen | 36 month fixed term deposit | 3.65% | £50,000 | None | FSCS | |
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| Close Brothers Treasury | 3 year fixed rate | 3.60% | £50,000 | None | FSCS | ||
| Investec | 3 year fixed term deposit account | 3.55% | £50,000 | None | Rate is indicative and is subject to change | FSCS | |
| Julian Hodge Bank | Capital Millennium Bond | 3.50% | £1,000 | £1,000,000 | FSCS | ||
| United Trust Bank | 3 year fixed rate | 3.40% | £500 | £500,000 | FSCS | ||
| Nationwide International | 3 year fixed rate | 3.20% 2.90% | £100,000+ £50,000 - £99,999 | None | Isle of Man DCS | ||
4 Year Fixed Rate |
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| Institution | Name of account | Interest rate (quoted gross pa) | Minimum Balance | Maximum Balance | Notes | Applicable compensation scheme* | |
| Julian Hodge Bank | Capital Millennium Bond | 3.75% | £1,000 | £1,000,000 | FSCS | ||
| Investec | 4 year fixed term deposit account | 3.70% | £50,000 | None | Rate is indicative and subject to change daily | FSCS | |
| Close Brothers Treasury | 4 year fixed rate | 3.65% | £50,000 | None | FSCS | ||
5 Year Fixed Rate |
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| Institution | Name of account | Interest rate (quoted gross pa) | Minimum Balance | Maximum Balance | Notes | Applicable compensation scheme* | |
| Scottish Widows | 5 year fixed rate | 4.60% | £10,000 | £5,000,000 | FSCS | ||
| Clydesdale Bank International | 60 month fixed term deposit | 4.30% annual option | £10,000 | £5,000,000 | Monthly interest option available at 4.22% | None | |
| Irish Nationwide (IOM) | 5 year fixed rate | 4.15% | £20,000 | £3,000,000 | Isle of Man DCS and ELG scheme | |
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| Investec | 5 year fixed term deposit | 4.00% | £50,000 | None | Rate is indicative and subject to change daily | FSCS | |
| Julian Hodge Bank | 5 year fixed rate | 4.00% | £1,000 | £1,000,000 | FSCS | ||
| Close Brothers Treasury | 5 year fixed rate | 3.75% | £50,000 | None | FSCS | ||
| United Trust Bank | 5 year fixed rate | 3.65% | £500 | £500,000 | FSCS | ||
Applicable compensation schemes
Click on the links below to find out more about each compensation scheme:
Financial Services Compensation Scheme
Isle of Man’s Depositors’ Compensation Scheme
Guernsey Banking Deposit Compensation Scheme
Eligible Liabilities Guarantee Scheme
Availability
The accounts shown above are available for Self Invested Personal Pensions (SIPPs) and Small Self Administered Schemes (SSAS) to open. It should be noted that some SIPP or SSAS providers only allow access to a restricted range of deposit accounts. Should you wish to confirm whether an account is allowable then please contact us.
Accuracy
The information shown is accurate at the time of publication, however Investment Sense cannot be held liable for any errors or omissions.
The information shown in no way constitutes advice and is provided for information purposes only.
