Limited Access

Earl Shilton Building Society Bonus One Review

A top-paying limited access account from Earl Shilton Building Society, with a £5,000 minimum deposit. None of the other 4 limited access accounts we track pays more.

Variable rate

3.75%AER

Then 0.85% after 12 months

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£5,000

Max balance

£85,000

Access

Max 1 withdrawal/year

Interest paid

Annually

The Rate You'll Get

First 12 months

Boosted
3.75%AER

Includes a 2.90% boost for 12 months

Standard rate (after 12 months)

0.85%AER

How It Stacks Up

Ranks 1st of 5

Limited access accounts we track

Top rate
This account 3.75%
UK CPI (Aug 2026)
3.10%
Pays 0.65% more
Average limited access
2.88%
Pays 0.87% more
Best limited access
3.75%
About the same

Inflation: ONS. Averages and best rates: accounts on DepositScout.

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Worth Weighing Up

  • Con: Rate drops to 0.85% after 12 months
  • Con: The rate is variable, so it can go down
  • Con: You need at least £5,000 to open it

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Estimated returns with Earl Shilton Building Society's Limited Access

What you could earn with Earl Shilton Building Society's Bonus One.

Estimated interest

£5,000 saved

£188

At 3.75% AER

£10,000 saved

£375

At 3.75% AER

£50,000 saved

£1,875

At 3.75% AER

£85,000 saved

£3,188

At 3.75% AER

Estimated over one year, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

Work out the tax on your interestSee how much of this interest could be taxed.

Our Expert Opinion on Earl Shilton Building Society Bonus One

Jonny PeaseCo-Founder, DepositScout

Earl Shilton Building Society's Bonus One pays 3.75% because a 2.90% boost is layered on top of a 0.85% base rate for the first 12 months, so the headline figure has a short shelf life. That 3.75% does beat August 2026 CPI of 3.1% by 0.65%, which is something, but once the boost expires you drop to 0.85%, which is a serious cliff. You are also limited to one withdrawal per year, and the account requires a minimum of £5,000.

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Common questions about the Bonus One

D

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