Hampshire Trust Bank savings accounts review
Hampshire Trust Bank offers a variety of savings accounts with interest rates up to 5.05%.
![Hampshire Trust Bank Hampshire Trust Bank](https://www.finder.com/niche-builder/63b2e9a3c6a07.png)
Established in 1977, Hampshire Trust Bank is a privately owned specialist bank that provides asset finance, specialist mortgages and development finance solutions. It also offers a number of savings accounts.
Hampshire Trust Bank's top savings rate of 5.05% is available on one of its fixed-rate bond accounts.
The best savings account depends on what you want from your savings. If you're after fast access to your money, then an easy-access account should suit you. However, if you're happy to lock your money away for a time to access a higher rate, then a fixed-rate bond is a good option.
Finally, if you're looking to maximise your returns and shield them from income tax, consider an ISA. Below, we've listed the different types of accounts Hampshire Trust Bank offers, plus the highest interest rate currently available.
Savings account types include | Easy access, fixed-rate bonds |
---|---|
Best easy access rate | 4.9% |
Best fixed-rate bond rate | 5.05% |
Fixed bond terms | 1 year - 5 years |
Opening options | Website |
FSCS protection |
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To open a savings account with Hampshire Trust Bank, you will need to be at least 18 years old and a UK resident. Accounts can be opened online, but if you’re an existing customer, you can also phone or email the bank and it will open the account for you.
You will need to provide personal details such as your name, date of birth and address as well as your existing current account details (this must be with a UK bank).
You will only need to provide documents if Hampshire Trust Bank is unable to verify your identity and address electronically. In this case, you will need to provide proof of ID such as a passport or driving licence and proof of address such as a council tax bill, utility bill or bank statement.
Yes, Hampshire Trust Bank is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and PRA. All eligible deposits are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS).
The fact you can open almost all Hampshire accounts with just £1 is appealing. Overall, its range of accounts is fairly standard, with some competitive deals. When it periodically issues a table-topping rate, it would be a sensible bet.
Our fixed-rate ISA calculator estimates whether paying the get-out penalty on your ISA is worth it to open a new one at a better rate.
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