Kent Reliance savings rates — compare every account, plus switch offers and guides

Who they are

Kent Reliance is a trading name of OneSavings Bank plc, specialising in savings accounts, fixed-rate bonds, cash ISAs, and mortgage products, with a heritage as a mutual building society. It was originally established with a philanthropic aim to help working people afford homeownership, issuing its first mortgage in 1899. In February 2011, Kent Reliance Building Society transferred its business to OneSavings Bank plc, following the purchase of a stake by private equity firm JC Flowers. OSB subsequently combined with Charter Court Financial Services in 2020 to form OSB Group. OSB Group plc is listed on the London Stock Exchange and is a constituent of the FTSE 250 Index. The Kent Reliance brand lives on as the savings-facing side of that group.

Savings accounts

Kent Reliance offers a broad spread of accounts, from flexible variable-rate options through to multi-year fixes. On the variable side, the Regular Saver pays 5.10% and lets you put away up to £500 a month, starting from just £25. The Limited Access Saver pays 4.21%, while the straightforward Easy Access Savings Account pays 3.75% - both variable rates, so they can move. There is also a 60-day notice account at 4.10%, though this one is branch only.

For savers who want certainty, the fixed-rate bond range runs from one to three years. The 1 Year Bond pays 4.43%, the 2 Year pays 4.45%, and the 3 Year pays 4.46% - all needing a minimum of £1,000 with no access until maturity. The cash ISA lineup is similarly wide: an easy access ISA at 3.75%, a one-year fix at 4.28%, and both two- and three-year fixes at 4.32%.

All accounts listed here carry FSCS protection up to £120,000 - higher than the standard £85,000 limit you see at most banks, which is worth noting if you are depositing a larger sum.

Access and service

The range of savings accounts provides options to suit a variety of savers, from online to branch-only. Kent Reliance has a network of branches and also a wide range of online accounts. That combination is genuinely useful - not everywhere still offers the option of walking in and speaking to someone face to face. Customers frequently commend the helpful and professional staff, noting positive interactions in branches and via telephone, and many appreciate the straightforward process for opening and managing accounts. That said, some reviewers have found the website clunky, experiencing login and online account management difficulties, and others have reported frustrating customer service with long waits. It is worth going in with realistic expectations on the digital side.

Is it right for you?

Kent Reliance tends to suit savers who want competitive fixed rates or a regular saver with a decent rate, and who value having the option of branch access. The £120,000 FSCS protection limit makes it particularly relevant if you have a larger pot to deposit. There are no switch bonuses available here, and the easy access variable rates are not the highest in the market, so rate-chasers may want to compare carefully. As ever, rates on variable accounts can change at any time.

Check the live rates shown on this page before applying - the numbers here are updated regularly and will always reflect what Kent Reliance is actually paying right now.