What interest rate does the Recognise Bank 95 Day Notice pay?

The Recognise Bank 95 Day Notice pays 3.70% AER variable.

How much interest could I earn?

Saving £10,000 for 1 year would earn about £370 at 3.70% 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 £250,000.

When is interest paid?

You can choose to have interest paid monthly or annually.

Who can open this account?

New and existing Recognise Bank customers can open it. You can open it online.

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 3.70% AER it ranks 45th of 95 notice accounts we track. The best pays 4.40% and the average is 3.46%.

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Notice Account

Recognise Bank 95 Day Notice Review

A competitive notice account from Recognise Bank, needing 95 days' notice, with a £1,000 minimum deposit. It ranks 45th of 95 notice accounts we track.

Rate checked Oct 2026Got this account? Leave a review

Variable rate · 95 days' notice

3.70%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1,000

Max balance

£250,000

Notice

95 Days

Interest paid

Monthly/Annually

How It Stacks Up

Ranks 45th of 95

Notice accounts we track

Above average

This account 3.70%

UK CPI (Aug 2026): 3.10%; Pays 0.60% more
Average notice account: 3.46%; Pays 0.24% more
Best notice account: 4.40%; Pays 0.70% 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

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Estimated returns with Recognise Bank's Notice Account

What you could earn with Recognise Bank's 95 Day Notice.

Estimated interest

£1,000 saved

£37.00

At 3.7% AER

£5,000 saved

£185

At 3.7% AER

£10,000 saved

£370

At 3.7% AER

£250,000 saved

£9,250

At 3.7% 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 Recognise Bank 95 Day Notice

Jonny PeaseCo-Founder, DepositScout

Recognise Bank's 95 Day Notice account pays 3.70%, which is below the market average for notice accounts and sits 0.70% behind the category leader at 4.40%, so I wouldn't call this rate particularly strong. It does at least beat August 2026 CPI of 3.1% by 0.60%, meaning your money holds real value in the short term. The account suits savers who want a straightforward notice account with a £1,000 minimum and up to £250,000 deposited, and who don't need instant access. That said, Moneybox's 90 Day Notice pays 4.00%, which is worth a look before committing here.

Compare Notice Accounts

2 alternatives to Recognise Bank's 95 Day Notice3 alternatives to Recognise Bank's 95 Day Notice

Same type of account, closest on rate.

Common questions about the 95 Day Notice

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