Notice Account

Monument Bank 45 Day Notice Account Review

A notice account from Monument Bank, needing 45 days' notice, with a £25,000 minimum deposit. It ranks 60th of 101 notice accounts we track.

Variable rate · 45 days' notice

3.58%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£25,000

Max balance

£2,000,000

Access

45 Days

Interest paid

Monthly

How It Stacks Up

Ranks 60th of 101

Notice accounts we track

Just above average
This account 3.58%
UK CPI (Aug 2026)
3.10%
Pays 0.48% more
Average notice account
3.53%
Pays 0.05% more
Best notice account
4.40%
Pays 0.82% less

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

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A Good Fit For

  • Pro: Savers who want a monthly income

Worth Weighing Up

  • Con: You need to give 45 days' notice to withdraw
  • Con: The rate is variable, so it can go down
  • Con: You need at least £25,000 to open it

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Estimated returns with Monument Bank's Notice Account

What you could earn with Monument Bank's 45 Day Notice Account.

Estimated interest

£25,000 saved

£895

At 3.58% AER

£50,000 saved

£1,790

At 3.58% AER

£2,000,000 saved

£71,600

At 3.58% 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 Monument Bank 45 Day Notice Account

Jonny PeaseCo-Founder, DepositScout

Monument Bank's 45 Day Notice Account pays 3.58%, which sits below the notice account market average and 0.82% behind the category leader at 4.40%, so this is not a rate I would lead with. The £25,000 minimum balance is a real barrier for most savers, and if you can meet it, Shawbrook's 45 Day Notice Account is paying 3.77% for the same notice period. That said, the rate does beat August 2026 CPI of 3.1% by 0.48%, so your money is at least growing in real terms while remaining accessible with 45 days' notice.

Compare Notice Accounts

2 alternatives to Monument Bank's 45 Day Notice Account

Same type of account, closest on rate.

Common questions about the 45 Day Notice Account

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