What interest rate does the Vida Savings 95 Day Notice pay?

The Vida Savings 95 Day Notice pays 3.95% AER variable.

How much interest could I earn?

Saving £10,000 for 1 year would earn about £395 at 3.95% 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 £500 and up to £500,000.

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.

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 3.95% AER it ranks 37th of 95 notice accounts we track. The best pays 4.40% and the average is 3.46%.

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Notice Account

Vida Savings 95 Day Notice Review

A competitive notice account from Vida Savings, needing 95 days' notice. It ranks 37th of 95 notice accounts we track.

Rate checked Oct 2026Got this account? Leave a review

Variable rate · 95 days' notice

3.95%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£500

Max balance

£500,000

Access

95 Days

Interest paid

Monthly/Annually

How It Stacks Up

Ranks 37th of 95

Notice accounts we track

Above average

This account 3.95%

UK CPI (Aug 2026): 3.10%; Pays 0.85% more
Average notice account: 3.46%; Pays 0.49% more
Best notice account: 4.40%; Pays 0.45% 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 95 days' notice to withdraw
Con: The rate is variable, so it can go down

Good to Know

The first deposit must arrive within 21 days of applying, or the account is closed. You can add money whenever you like after that.

Please verify all details with the provider – see our Disclaimer

See all Vida Savings accounts

Estimated returns with Vida Savings' Notice Account

What you could earn with Vida Savings's 95 Day Notice.

Estimated interest

£1,000 saved

£39.50

At 3.95% AER

£5,000 saved

£198

At 3.95% AER

£10,000 saved

£395

At 3.95% AER

£500,000 saved

£19,750

At 3.95% 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 Vida Savings 95 Day Notice

Jan WatermannCo-Founder, DepositScout

Vida Savings' 95 Day Notice pays 3.95%, which sits near the market average for notice accounts but is 0.45% below the category leader at 4.40%, so it is not the sharpest option available. That said, 3.95% does beat August 2026 CPI of 3.1% by 0.85%, meaning your money at least grows in real terms. The account accepts between £500 and £500,000, with interest paid monthly or annually, which suits savers who want a regular income stream. The genuine catch is the 95-day notice period, so anyone who might need quick access should look elsewhere, perhaps at United Trust Bank's 40 Day Notice at 4.10%.

Compare Notice Accounts

2 alternatives to Vida Savings's 95 Day Notice3 alternatives to Vida Savings's 95 Day Notice

Same type of account, closest on rate.

Common questions about the 95 Day Notice

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