Notice Account

UBL UK 90 Day Personal Notice Account Review

A competitive notice account from UBL UK, needing 90 days' notice. It ranks 31st of 101 notice accounts we track.

Variable rate · 90 days' notice

4.05%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

£1,000,000

Notice

90 Days

Interest paid

½ Yearly

How It Stacks Up

Ranks 31st of 101

Notice accounts we track

Above average
This account 4.05%
UK CPI (Aug 2026)
3.10%
Pays 0.95% more
Average notice account
3.53%
Pays 0.52% more
Best notice account
4.40%
Pays 0.35% less

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

Compare notice accounts

A Good Fit For

  • Pro: New and existing savers

Worth Weighing Up

  • Con: You need to give 90 days' notice to withdraw
  • Con: The rate is variable, so it can go down

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Estimated returns with UBL UK's Notice Account

What you could earn with UBL UK's 90 Day Personal Notice 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 UBL UK 90 Day Personal Notice Account

Jan WatermannCo-Founder, DepositScout

UBL UK's 90 Day Notice Account pays 4.05%, which sits near the market average for notice accounts but is 0.35% behind the category leader at 4.40%, so it is not the sharpest rate available. That said, 4.05% 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 90-day notice period, meaning you cannot access funds quickly if circumstances change. If you want a shorter wait, United Trust Bank's 40 Day Notice pays 4.10%, or Kent Reliance's 35 Day Notice matches this rate at 4.05%.

2 alternatives to UBL UK's 90 Day Personal Notice Account

Same type of account, closest on rate.

Common questions about the 90 Day Personal Notice Account

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