Hampshire Trust Bank savings rates — compare every account, plus switch offers and guides

Who they are

Hampshire Trust Bank started life in 1977 in Fareham, Hampshire, as a small mortgage firm, and for decades it operated as a specialist lender before being acquired by private equity firm Alchemy Partners in 2014. Today it sits firmly in the challenger bank space. HTB offers specialist mortgages, bridging finance, development finance and wholesale finance, alongside savings accounts for businesses, charities and individuals. Authorised by the FCA and PRA, the bank has earned the trust of over 100,000 savers and manages over £4.5 billion in savings. It is not a high-street name, and there are no branches - everything runs online.

Savings accounts

HTB's savings range covers pretty much every corner of the market. On the flexible side, the Online Saver is an easy access account paying 4.18% (variable), with instant access and a minimum deposit of just £1. The 95 Day Online Notice Tracker sits between easy access and fixed, paying 4.22%.

For those who can lock money away, the fixed range runs from 4.15% on a 6-month bond up to 4.55% on a 5-year term, with the 1 Year Online Fixed Saver at 4.36% and the popular 2 Year at 4.46%. There is also a solid ISA lineup - fixed Cash ISAs ranging from 4.35% over one year to 4.55% over five - all opening with just £1.

Deposits up to £120,000 are covered by the FSCS - notably higher than the standard £85,000 limit you see at most banks, which is worth factoring in if you hold a larger sum.

Is it right for you?

HTB is not a high-street name, which is precisely why it tends to attract a different kind of saver - one who prioritises rate over brand recognition and has no need to walk into a branch. There is no app to download; account management is web-based through HTB's online portal. If you are comfortable with that, the range is genuinely competitive across easy access, notice and fixed terms.

There are no switch offers here - HTB keeps things simple. No bonuses, no introductory rates to watch, no withdrawal penalties on the easy access account. What you see is what you get.

All rates shown on this page are live and updated regularly - always check the current figures before opening an account, as rates can and do change.