Savings rates
Rates reviewed daily · last updated 5 October 2026
Savings rates
All rates AER · Updated October 2026
Rates shown are AER and correct as of October 2026.
Fixed Rate
| Account | AER | Term | Interest paid | Min Balance | |
|---|---|---|---|---|---|
| 5 Year Online Fixed Saver | 5.05% | 5 Years | Annually | £1 | |
| 2 Year Online Fixed Saver | 4.82% | 2 Years | Annually | £1 | |
| 18 Month Online Fixed Saver | 4.76% | 18 Months | Annually | £1 | |
| 1 Year Online Fixed Saver | 4.66% | 1 Year | Annually | £1 | |
| 9 Month Online Fixed Saver | 4.48% | 9 Months | On maturity | £1 | |
| 6 Month Online Fixed Saver | 4.28% | 6 Months | Annually | £1 |
Cash ISA
| Account | AER | Access | Transfers in | Min Balance | |
|---|---|---|---|---|---|
| 5 Year Online ISA Fixed Saver | 4.95% | 5 Years | Accepted | £1 | |
| 3 Year Online ISA Fixed Saver | 4.83% | 3 Years | Accepted | £1 | |
| 2 Year Online ISA Fixed Saver | 4.77% | 2 Years | Accepted | £1 | |
| 1 Year Online ISA Fixed Saver | 4.68% | 1 Year | Accepted | £1 | |
| Easy Access Online ISA | 4.06% | Instant | Accepted | £1 |
Notice Account
| Account | AER | Notice period | Interest | Min Balance | |
|---|---|---|---|---|---|
| 95 Day Online Notice Tracker | 4.22% | 95 Days | Fixed | £1 |
Easy Access
| Account | AER | Access | Interest | Min Balance | |
|---|---|---|---|---|---|
| Online Saver | 4.18% | Instant | Variable | £1 |
Is Hampshire Trust Bank FSCS protected?
Yes — FSCS protected up to £120,000
Yes. Hampshire Trust Bank savings are FSCS protected up to £120,000 per person, per banking licence, under Hampshire Trust Bank plc.
Banking licence: Hampshire Trust Bank plc
Last checked against the FCA register on 5 October 2026.
See every brand that shares a banking licenceSwitch offers
Who they are
Hampshire Trust Bank was established in 1977, originally based in Fareham.
In 2014, the dormant bridging lender was taken over by private equity firm Alchemy Partners and authorised to accept deposits. Today it operates as a specialist challenger bank, focused primarily on lending to UK businesses through asset finance, property finance and commercial mortgages - with personal savings as a key funding line alongside that.
Hampshire Trust Bank holds its own banking licence, which it does not share with any other bank. That matters for FSCS purposes: your deposits are assessed against HTB's licence alone. Hampshire Trust Bank's eligible deposits are protected by the FSCS up to £120,000 per person, per authorised firm (banking licence).
Savings accounts
Hampshire Trust Bank keeps things simple and online-first. Every account shown on this page opens from just £1, with no complicated bonus rates or teaser periods to watch out for.
For flexibility, the Online Saver gives you instant access at a variable rate. If you can give a little notice, the 95 Day Online Notice Tracker sits in between easy access and a fixed bond. Fixed-rate savers run from six months all the way out to five years, with rates stepping up the longer you are willing to commit. ISA savers are well catered for too - there are fixed Cash ISAs at one, two, three and five years, plus an easy-access Cash ISA option.
Rates change over time, so the live figures shown on this page are always the most accurate guide.
Is it right for you?
Hampshire Trust Bank suits savers who want a straightforward, no-frills home for their money and are comfortable managing everything online. The £1 minimum balance is genuinely accessible, and the range of terms means you can ladder your savings across different fixed periods if you want to. There are no switch incentives or cashback offers here - the appeal is the rate itself, and the peace of mind of a bank with its own dedicated FSCS licence.
If you prefer a branch, a current account, or a regular saver, you will need to look elsewhere. But if you are after a clean, online savings account with competitive fixed or easy-access rates, it is worth comparing HTB against the live options below.
This overview was generated by DepositScout's AI, Penny on 1 October 2026. It may contain inaccuracies — always confirm rates and terms with Hampshire Trust Bank directly. Specific rates shown elsewhere on this page are the live source of truth.
