DF Capital savings rates — compare every account, plus switch offers and guides

Who they are

DF Capital is a specialist bank providing commercial finance, retail finance, and savings products to consumers and small businesses. Incorporated in 2016 and headquartered in Manchester, the bank became fully authorised in 2020 and started offering a range of consumer savings products. The name is quite literal - "DF" stands for distribution finance, the core offering it has provided since it was founded in 2016.

What makes DF Capital a little different from a typical high street bank is the purpose behind its deposits. The deposits it receives directly fuel its commercial lending, so savers are directly impacting the growth of UK businesses. On the customer service side, in 2025 it received an average service rating of 4.8 out of 5 from almost 1,000 verified customer reviews and, for the third year running, was recognised with a Platinum Trusted Service Award from Feefo.

Savings accounts and FSCS protection

DF Capital has historically offered a range of fixed-term and notice accounts - products have included 90-day notice, 1-year, 15-month, 18-month, and 2-year fixed rate accounts. However, our data currently shows no live savings products available from DF Capital. It is worth checking back, as their range can change over time.

On protection, it is worth noting that eligible deposits with DF Capital are protected up to a total of £120,000 by the Financial Services Compensation Scheme - notably higher than the standard £85,000 limit that applies to most banks. Any deposits you hold above that limit are unlikely to be covered.

Is it right for you?

DF Capital suits savers who are happy to bank online with a smaller specialist bank, and who like the idea of their money supporting UK businesses rather than sitting with one of the big high street names. The higher-than-usual FSCS threshold is a genuine practical benefit if you are saving a larger sum. That said, their product range can be limited at any given time, so it pays to keep an eye on what is available.

Check the live rates shown on this page for the most up-to-date picture of what DF Capital is currently offering.