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JN Bank savings accounts review
JN Bank offers a variety of savings accounts with interest rates up to 4.31%.
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JN Bank is a Jamaican member-owned bank, which has been operating in the UK since 1988. The bank subsequently launched its first savings and loan products in the UK in 2020.
JN Bank's top savings rate of 4.31% is available on one of its fixed-rate bond accounts.
Easy access savings accounts
Table: sorted by interest rate
JN Bank's best easy access rate of 3.82% is significantly lower than today's market-best rate of 6%.
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How we picked theseFixed-rate bonds
Table: sorted by interest rate
JN Bank's best fixed-rate bond rate of 4.31% is very slightly lower than today's market-best rate of 4.75%.
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What is JN Bank's best savings account with the highest interest rate?
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 JN Bank offers, plus the highest interest rate currently available.
| Savings account types include | Easy access, fixed-rate bonds |
|---|---|
| Best easy access rate | 3.82% |
| Best fixed-rate bond rate | 4.31% |
| Fixed bond terms | 1 year - 5 years |
| Opening options | Website |
| FSCS protection |
Eligibility criteria
To be eligible for a JN Bank savings account, you will need to:
- be aged 18 or over
- be a UK resident
- have a UK phone number and email address
- have a UK bank account
Savings accounts can be registered in your name only. Joint accounts are not available.
How to apply
You can apply for a JN Bank savings account via its UK website. Simply find the product you want to apply for, then click the “Apply Now” button in the top right of the screen.
Alternatively, you can visit its branch in Brixton, London or call its customer services team on 0808 196 1945 for assistance.
How to contact JN Bank
For general queries, call 0800 328 0387 or send an email to ukrepoffice@janouk.com.
Pros and cons
Pros
- Open an account with just £1
- A good range of fixed-rate accounts
- Manage your account online
- Apply online, by phone or in-branch
Cons
- No ISAs or regular savings accounts
- Joint accounts not available
- Only one UK branch
Customer service information for JN Bank
| Email support | |
|---|---|
| Telephone support | |
| In-app or live chat | |
| Contact form | |
| Branch support |
Bottom line
JN Bank currently offers a competitive range of fixed-term accounts and a fairly decent instant access savings account. Read our savings reviews to see how it weighs up against other savings providers and check if it’s the right choice for you.
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.
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