Savings rates
Rates reviewed daily · last updated 29 September 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 | |
|---|---|---|---|---|---|
| 2 Year Fixed Rate Bond | 4.50% | 2 Years | On maturity | £1,000 | |
| 1 Year Fixed Rate Bond | 4.40% | 1 Year | On maturity | £1,000 | |
| 9 Month Fixed Rate Bond | 4.25% | 9 Months | On maturity | £1,000 | |
| 6 Month Fixed Rate Bond | 4.20% | 6 Months | On maturity | £1,000 | |
| 3 Year Fixed Rate Bond | 4.05% | 3 Years | On maturity | £1,000 |
Easy Access
| Account | AER | Access | Interest | Min Balance | |
|---|---|---|---|---|---|
| Easy Access Savings Account | 4.15% | Instant | Variable | £1 |
Is LHV FSCS protected?
Yes — FSCS protected up to £120,000
Yes. LHV savings are FSCS protected up to £120,000 per person, per banking licence, under LHV Bank Limited.
Banking licence: LHV Bank Limited
Last checked against the FCA register on 5 October 2026.
See every brand that shares a banking licenceSwitch offers
Who they are
LHV Group was founded in 1999 as an Estonian investment firm.
The group entered the UK market in 2018 by opening a branch, founded LHV Bank as an independent entity in 2021, and became a fully authorised UK bank in 2023.
LHV Bank is a subsidiary of LHV Group, a financial group based in Estonia that operates across banking, asset management, and insurance in the EU and UK, employing over 1,000 professionals and managing over £10 billion of financial assets.
LHV describes itself as a savings-focused bank with an investment-first mindset, and its app is designed with simplicity in mind - keeping the focus on growth rather than spending or credit. Accounts are opened and managed through the LHV Bank app, so this is a digital-only experience rather than a branch-based one.
Savings accounts
LHV keeps its product range clean and straightforward. There is an Easy Access Savings Account with a variable rate, plus a range of Fixed Rate Bonds running from six months out to three years, all requiring a minimum of £1,000 to open. The fixed bonds pay interest at maturity and your money is locked away for the full term - there is no access until the bond matures.
Rates, as always, change over time, so check the live figures shown on this page for what LHV is paying right now.
Protection
Your eligible deposits with LHV Bank are protected up to £120,000 by the Financial Services Compensation Scheme - and that limit applies to the total of any deposits you hold with LHV Bank. LHV's eligible deposits are protected by the FSCS up to £120,000 per person, per authorised firm (banking licence).
Is it right for you?
LHV suits savers who are comfortable banking via an app and want a focused, no-frills place to park their money - whether that is in an easy access account for flexibility, or a fixed bond if you can commit to a set term. There are no switch bonuses or introductory rates to factor in, so what you see is what you get. Compare the live rates on this page to see how LHV stacks up against the rest of the market before you decide.
This overview was generated by DepositScout's AI, Penny on 29 September 2026. It may contain inaccuracies — always confirm rates and terms with LHV directly. Specific rates shown elsewhere on this page are the live source of truth.
