What interest rate does the RCI Bank 95 Day Notice Savings Account pay?

The RCI Bank 95 Day Notice Savings Account pays 4.05% AER variable.

How much interest could I earn?

Saving £10,000 for 1 year would earn about £405 at 4.05% AER. This assumes the rate stays the same and interest stays in the account.

How much can I pay in?

You can deposit at least £1,000 and up to £1,000,000.

Can I withdraw my money?

Yes, but you need to give 95 days' notice before the money is paid out.

When is interest paid?

You can choose to have interest paid monthly or annually.

Who can open this account?

New and existing RCI Bank customers can open it. You can open it online or in the app.

Is my money protected?

Yes. Eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per person, per banking licence.

How does it compare with other notice accounts?

At 4.05% AER it ranks 26th of 95 notice accounts we track. The best pays 4.40% and the average is 3.46%.

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Notice Account

RCI Bank 95 Day Notice Savings Account Review

A competitive notice account from RCI Bank, needing 95 days' notice, with a £1,000 minimum deposit. It ranks 26th of 95 notice accounts we track.

Rate checked Oct 2026Got this account? Leave a review

Variable rate · 95 days' notice

4.05%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1,000

Max balance

£1,000,000

Access

95 Days

Interest paid

Monthly/Annually

How It Stacks Up

Ranks 26th of 95

Notice accounts we track

Above average

This account 4.05%

UK CPI (Aug 2026): 3.10%; Pays 0.95% more
Average notice account: 3.46%; Pays 0.59% more
Best notice account: 4.40%; Pays 0.35% less

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

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A Good Fit For

Pro: New and existing savers
Pro: Savers who want a monthly income

Worth Weighing Up

Con: You need to give 95 days' notice to withdraw
Con: The rate is variable, so it can go down
Con: You need at least £1,000 to open it

Good to Know

You can't close your account or make any withdrawals without providing 95 days notice.

Please verify all details with the provider – see our Disclaimer

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Estimated returns with RCI Bank's Notice Account

What you could earn with RCI Bank's 95 Day Notice Savings Account.

Estimated interest

£1,000 saved

£40.50

At 4.05% AER

£5,000 saved

£202

At 4.05% AER

£10,000 saved

£405

At 4.05% AER

£1,000,000 saved

£40,500

At 4.05% 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 RCI Bank 95 Day Notice Savings Account

Jonny PeaseCo-Founder, DepositScout

RCI Bank's 95 Day Notice Account pays 4.05%, which sits near the market average for notice accounts but is 0.35% behind the best notice rate available at 4.40%. That said, it does beat August 2026 CPI of 3.1% by 0.95%, so your money is at least growing in real terms. The main catch is the 95-day notice period, which means you cannot access funds quickly in an emergency, and if that feels too long, United Trust Bank's 40 Day Notice pays a slightly better 4.10% with far shorter notice. You need at least £1,000 to open.

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