Savings rates
Rates reviewed daily · last updated 3 October 2026
Savings rates
All rates AER · Updated October 2026
Rates shown are AER and correct as of October 2026.
Cash ISA
| Account | AER | Access | Transfers in | Min Balance | |
|---|---|---|---|---|---|
| 3 year Fixed Rate e-Cash ISA | 5.05% | 3 Years | Accepted | £1,000 | |
| 2 year Fixed Rate e-Cash ISA | 5.04% | 2 Years | Accepted | £1,000 | |
| 1 year Fixed Rate e-Cash ISA | 4.92% | 1 Year | Accepted | £1,000 | |
| 5 year Fixed Rate e-Cash ISA | 4.81% | 5 Years | Accepted | £1,000 |
Fixed Rate
| Account | AER | Term | Interest paid | Min Balance | |
|---|---|---|---|---|---|
| 5 years Fixed Rate e-Saver | 4.65% | 5 Years | On Maturity | £1,000 | |
| 3 year Fixed Rate e-Saver | 4.60% | 3 Years | On Maturity | £1,000 | |
| 2 year Fixed Rate e-Saver | 4.55% | 2 Years | On Maturity | £1,000 | |
| 1 year Fixed Rate e-Saver | 4.50% | 1 Year | On Maturity | £1,000 |
Notice Account
| Account | AER | Notice period | Interest | Min Balance | |
|---|---|---|---|---|---|
| Notice e-Saver | 4.20% | 120 Days | Variable | £1,000 |
Is Castle Trust Bank FSCS protected?
Yes — FSCS protected up to £120,000
Yes. Castle Trust Bank savings are FSCS protected up to £120,000 per person, per banking licence, under Castle Trust Capital plc.
Banking licence: Castle Trust Capital plc
Last checked against the FCA register on 5 October 2026.
See every brand that shares a banking licenceSwitch offers
Who they are
Castle Trust Bank began life as Castle Trust in October 2012, backed by J.C. Flowers & Co., a private investment firm with extensive experience in financial services, initially focused on investment products and specialist mortgage finance. In 2018 the business was invited to pursue a banking licence and, in June 2020, successfully became Castle Trust Bank - a fully authorised UK bank. More recently, Sixth Street and Bayview Asset Management acquired the bank from J.C. Flowers & Co., with the two investment firms taking it on as equal partners.
It is not a household name, but it has been quietly building a solid savings book. In August 2021 the bank launched online fixed-term, fixed-rate savings accounts, followed by notice accounts in May 2024, and as at 30 September 2025 its 36,000 customers held just under £1.5 billion of savings. Everything is managed online or through the mobile app - there are no branches.
The legal entity is Castle Trust Capital plc (FCA firm reference 541910), which holds its own banking licence not shared with any other brand. Your eligible deposits are protected up to £120,000 per person by the FSCS.
Savings accounts
Castle Trust's range runs from a notice account through to multi-year fixed bonds and fixed-rate Cash ISAs - all with a £1,000 minimum deposit and no introductory bonus rates attached. What you see is what you get until the bank decides to change it.
The Notice e-Saver requires 120 days' notice to access your money and pays a variable rate - check the live figure on this page for the current rate. The fixed-rate e-Saver bonds lock your money away until maturity, with terms from one year out to five years, at rates ranging from 4.50% up to 4.65% AER depending on the term. None of these accounts allow early access, so only commit what you genuinely will not need.
The fixed-rate e-Cash ISA range covers one, two, three and five year terms, with rates currently from 4.81% up to 5.05% AER. Like the bonds, there is no access until maturity and the minimum is £1,000. All accounts carry FSCS deposit protection up to £120,000.
Is it right for you?
Castle Trust suits savers who are happy to manage everything online, can meet the £1,000 minimum, and want to lock money away for a defined period in exchange for a clean, no-bonus fixed rate. The Cash ISA range in particular is worth a look if you want to shelter interest from tax over a longer term.
If you need instant access, or prefer a bank with a branch or a variable easy-access account without a notice period, you will probably find a better fit elsewhere. There are no switch bonuses or current accounts here - it is purely a savings proposition.
As always, the rates above change over time - use the live figures on this page before you decide.
This overview was generated by DepositScout's AI, Penny on 3 October 2026. It may contain inaccuracies — always confirm rates and terms with Castle Trust Bank directly. Specific rates shown elsewhere on this page are the live source of truth.
