Make your money work harder
Whether you are saving for something specific, building an emergency fund, or simply want your money to earn more than it does in a standard current account, Nobil Trust Bank has a savings product for every goal and timeline.
Current Savings Rates
Rates correct as of today. Subject to change. AER = Annual Equivalent Rate. FSCS protected up to $85,000.
Open an account today →Start earning our best rate today
Open a 1 Year Fixed account in minutes and lock in a guaranteed return for the full term, whatever happens to the base rate. Your money is protected up to $85,000 by the FSCS, and you can manage everything from the app.
Open a savings accountFind the right savings account
Different savings goals call for different accounts. Here is our full range, from instant-access flexibility to fixed-rate certainty.
Easy Access Savings
The perfect everyday savings account, earn a competitive interest rate while keeping your money within reach at all times. There is no notice period and no penalty for withdrawing. Ideal for emergency funds or short-term savings where flexibility matters most.
- Instant access with no withdrawal penalty
- Open from just $1, no maximum balance
- Interest paid monthly to your account
- Managed entirely through the app or web
- FSCS protected up to $85,000
Fixed Term Savings
Lock your savings away for a set term and earn a guaranteed rate for the entire period, regardless of what happens to the Bank of England base rate. The longer you fix, the more certainty you get. Terms from 6 months to 5 years available.
- Guaranteed rate for the full term
- Terms from 6 months to 60 months
- Minimum deposit $500
- No early access (rate guaranteed to term end)
- Interest paid annually or on maturity
Goal Savings Account
Set a savings target, whether it is a holiday, a home deposit, a new car, or a child's education fund, name it, set a deadline, and earn a bonus interest rate when you reach your goal without making early withdrawals.
- Bonus rate paid on reaching your goal
- Create and name up to 10 separate goals
- Track progress with visual goal indicators in the app
- Open from $1 with no maximum
- Automated round-up deposits available
95-Day Notice Account
Strike the balance between higher returns and access flexibility. Give 95 days' notice before withdrawing and earn a rate that significantly outperforms an easy access account. Ideal if you have savings you rarely need to touch but want to retain some future access.
- Higher rate than easy access accounts
- 95-day notice period on withdrawals
- Minimum deposit $2,500
- Interest paid monthly
- Available to personal and business account holders
Junior Savings Account
Give children a head start by saving for their future from day one. Our Junior Savings Account is available to children from birth to 18 and can be opened and managed by a parent or legal guardian. Funds are locked until the child turns 18.
- Available from birth to age 18
- Managed by parent or guardian
- Locked until the child's 18th birthday
- Open from $1, no maximum balance
- Child takes control at 18
Business Savings Account
Earn a competitive return on your company's reserves. Available exclusively to Nobil Trust Bank business account holders, our business savings accounts keep your working capital separate from operational funds while putting surplus cash to work.
- Available to verified KYB business accounts
- Instant access and notice options available
- Minimum deposit $5,000
- Interest paid monthly
- FSCS protected up to $85,000 per entity
Our savings rates at a glance
All rates are Annual Equivalent Rate (AER) unless otherwise stated. Rates correct as of today and subject to change.
| Account Type | AER (Gross) | Min. Deposit | Access | Interest Paid | |
|---|---|---|---|---|---|
| Easy Access Savings | 4.10% | $1 | Instant | Monthly | Open → |
| 6 Month Fixed | 4.30% | $500 | On maturity | On maturity | Open → |
| 1 Year Fixed | 4.75% | $500 | On maturity | Annually | Open → |
| 2 Year Fixed | 4.55% | $500 | On maturity | Annually | Open → |
| 95-Day Notice | 4.35% | $2,500 | 95-day notice | Monthly | Open → |
| Junior Savings | 3.85% | $1 | Age 18 | Annually | Open → |
| Business Savings | 4.50% | $5,000 | Instant / Notice | Monthly | Open → |
Representative example: If you deposit $10,000 into a 1 Year Fixed Savings account at 4.75% AER, you will earn $475 in interest after 12 months before tax. Interest may be subject to income tax depending on your personal allowance and other savings income. AER shows what you would earn if interest were compounded and paid annually.
Understanding AER and how your interest is calculated
AER stands for Annual Equivalent Rate and is the standard way of showing how much interest you will earn on a savings account over a year. It allows you to compare accounts fairly, even when interest is paid monthly rather than annually.
If interest is paid monthly, the AER will be slightly higher than the monthly rate multiplied by 12, because each month's interest starts earning interest itself in the following month, this is the effect of compounding.
All rates shown on our savings accounts are expressed as AER gross, meaning before the deduction of income tax. Whether tax is deducted depends on your personal savings allowance (PSA), which for most people is $1,000 per year.
Example calculation
You open an Easy Access account with $5,000 at 4.10% AER. After 12 months, you will have earned approximately $205 in interest. Monthly interest would be around $17.08, which is credited to your account and begins earning interest in the following month.
Why savers choose Nobil Trust Bank
We are not a savings rate aggregator. We are a bank. When you save with Nobil Trust Bank, your money is protected, your rate is real, and your account is yours to manage at any time.
FSCS Protected
Your savings are protected up to $85,000 by the Financial Services Compensation Scheme, giving you complete peace of mind if anything were ever to happen to the bank.
Competitive Rates
Our rates are reviewed monthly and benchmarked against the market to ensure you are always getting a genuinely competitive return on your savings.
App Managed
Open, manage, and close savings accounts entirely from the Nobil Trust Bank app. View balances, track interest earned, and move money with a few taps, no branch visit required.
No Lock-In Surprises
Fixed accounts are clearly labelled. Easy access is always instant. We never apply hidden notice periods or unexpected restrictions on accounts marketed as flexible.
Savings questions answered
Start saving smarter today
Open a savings account in minutes. No branch visit, no paperwork, no minimum income requirement.