Newcastle Building Society: Savings accounts and interest rates

Newcastle Building Society offers a broad range of savings accounts with interest rates up to 4.75%.

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Newcastle Building Society

Newcastle Building Society is the biggest building society in the North East. People from across the UK can open a range of savings account options with the mutual, from fixed rate bonds to ISAs, as well as other options.

Newcastle Building Society's top savings rate of 4.75% is available on one of its easy access accounts.

Easy access savings accounts

Table: sorted by interest rate
Newcastle Building Society's best easy access rate of 4.75% is significantly lower than today's market-best rate of 7.29%.
1 - 5 of 12
Name Product UKFSA-SAV Account type Withdrawals Min. opening balance Rate Deposit protection Open via Incentive Apply link
Newcastle BS – Newcastle Single Access ISA (Issue 1)
Cash ISA
Instant access
£1
4.75% AER variable
FSCS logo
protected
Open via: branch, website
Go to site
View details
Newcastle BS – Newcastle Double Access Saver (Issue 3)
Variable
Instant access
£1
4.25% AER variable
FSCS logo
protected
Open via: branch, website
Go to site
View details
Newcastle BS – Newcastle Double Access ISA (Issue 3)
Cash ISA
Instant access
£1
4.25% AER variable
FSCS logo
protected
Open via: branch, website
Go to site
View details
Newcastle BS – Loyalty Cash ISA (Issue 1)
Cash ISA
Instant access
£1
3.75% AER variable
FSCS logo
protected
Open via: branch, website
Go to site
View details
Newcastle BS – Loyalty Cash ISA (Issue 1)
Cash ISA
Instant access
£1
3.75% AER variable
FSCS logo
protected
Open via: branch, website
Go to site
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Cash ISAs

Table: sorted by interest rate
Newcastle Building Society's best cash ISA rate of 4.75% is very slightly lower than today's market-best rate of 4.85%.
1 - 5 of 18
Name Product UKFSA-SAV Rate Minimum investment Interest paid Withdrawals Deposit protection Open via Incentive Table product description Apply link
Newcastle BS – Newcastle Single Access ISA (Issue 1)
4.75% AER variable
£1
Anniversary of account opening
Instant access
FSCS logo
protected
Open via: branch, website
Go to site
View details
Newcastle BS – 1 Year Fixed Rate ISA (Issue 92)
4.25% AER fixed until 23.10.25
£1
Monthly
Instant access (charge applies )
FSCS logo
protected
Open via: branch, website
Go to site
View details
Newcastle BS – Newcastle Double Access ISA (Issue 3)
4.25% AER variable
£1
Anniversary of account opening
Instant access
FSCS logo
protected
Open via: branch, website
Go to site
View details
Newcastle BS – 1 Year Fixed Rate ISA (Issue 92)
4.25% AER fixed until 23.10.25
£1
Yearly
Instant access (charge applies )
FSCS logo
protected
Open via: branch, website
Go to site
View details
Newcastle BS – 100 Day Notice Cash ISA (Issue 1)
4% AER variable
£1
Monthly
100 days notice needed (charge applies )
FSCS logo
protected
Open via: branch, website
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Fixed-rate bonds

Table: sorted by interest rate
Newcastle Building Society's best fixed-rate bond rate of 4.25% is slightly lower than today's market-best rate of 4.96%.
1 - 5 of 8
Name Product UKFSA-SAV Rate Invest Interest paid Withdrawals Open via Deposit protection Open via Incentive Table product description Apply link
Newcastle BS – 1 Year Fixed Rate Bond (Issue 92)
4.25% AER fixed until 23.10.25
£1 - £250,000
Monthly
Withdrawals not permitted
Branch, website
FSCS logo
protected
Open via: branch, website
Go to site
View details
Newcastle BS – 1 Year Fixed Rate Bond (Issue 92)
4.25% AER fixed until 23.10.25
£1 - £250,000
Yearly
Withdrawals not permitted
Branch, website
FSCS logo
protected
Open via: branch, website
Go to site
View details
Newcastle BS – 18 Month Fixed Rate Bond (Issue 26)
4% AER fixed until 25.03.26
£1 - £250,000
Monthly
Withdrawals not permitted
Branch, website
FSCS logo
protected
Open via: branch, website
Go to site
View details
Newcastle BS – 18 Month Fixed Rate Bond (Issue 26)
4% AER fixed until 25.03.26
£1 - £250,000
Yearly
Withdrawals not permitted
Branch, website
FSCS logo
protected
Open via: branch, website
Go to site
View details
Newcastle BS – 2 Year Fixed Rate Bond (Issue 104)
3.75% AER fixed until 20.10.26
£1 - £250,000
Monthly
Withdrawals not permitted
Branch, website
FSCS logo
protected
Open via: branch, website
Go to site
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Notice savings accounts

Table: sorted by interest rate
Newcastle Building Society's best notice savings account rate of 4% is lower than today's market-best rate of 5.2%.
1 - 4 of 4
Name Product UKFSA-SAV Account type Withdrawals Open with Deposit protection Rate Open via Incentive Table product description Apply link
Newcastle BS – 100 Day Notice Cash ISA (Issue 1)
Cash ISA
100 days notice needed (charge applies )
From £1
FSCS logo
protected
4% AER variable
Open via: branch, website
Go to site
View details
Newcastle BS – 100 Day Notice Cash ISA (Issue 1)
Cash ISA
100 days notice needed (charge applies )
From £1
FSCS logo
protected
4% AER variable
Open via: branch, website
Go to site
View details
Newcastle BS – 100 Day Notice Saver (Issue 1)
Variable
100 days notice needed
£1 - £250,000
FSCS logo
protected
4% AER variable
Open via: branch, website
Go to site
View details
Newcastle BS – 100 Day Notice Saver (Issue 1)
Variable
100 days notice needed
£1 - £250,000
FSCS logo
protected
4% AER variable
Open via: branch, website
Go to site
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Business savings accounts

Table: sorted by interest rate
Newcastle Building Society's best business savings account rate of 3.85% is lower than today's market-best rate of 5.11%.
1 - 2 of 8
Name Product UKFSA-SAV Interest rate and type Interest paid Invest Term Open via Incentive Table product description Apply link
Newcastle BS – Newcastle Business 90 Day Notice Saver
3.85% AER variable
Anniversary of account opening
£1 - £1,000,000
90 days notice
Open via: branch, website
Go to site
View details
Newcastle BS – Newcastle Business 90 Day Notice Saver
3.85% AER variable
Monthly
£1 - £1,000,000
90 days notice
Open via: branch, website
Go to site
View details
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What is Newcastle Building Society'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 Newcastle Building Society offers, plus the highest interest rate currently available.

Savings account types include Easy access, cash ISAs, fixed-rate bonds, notice accounts, business
Best easy access rate 4.75%
Best cash ISA rate 4.75%
Best fixed-rate bond rate 4.25%
Best notice account rate 4%
Best business savings account rate 3.85%
Fixed bond terms 1 year 1 month - 3 years
Notice account periods available 100 days
Opening options Branch, website
FSCS protection

How do I decide which account is for me?

Firstly, you need to decide what you’re looking for in a savings account. How often are you planning to draw out money? How much money can you afford to save each month?

You need to work out what you need before comparing the different offers available for certain types of savings accounts. Once you’ve done that, it’s useful to look at:

  • Interest rates.
  • Fees (if there are any).
  • Access to cash (if you need quick access, for instance).
  • Rewards and loyalty schemes (if you’re into add-ons or switching bonuses).

What are the pros and cons of banking with Newcastle Building Society?

Pros

  • Online banking. Even if you’re not based in the North East, you can open an account with the Newcastle Building Society online.
  • Choice. Newcastle Building Society offers a whole range of savings accounts. Whether you’re looking to save big or small.
  • Easily accessible. It lets customers manage their accounts in a branch, online, over the phone or by post.

Cons

  • Better rates elsewhere? It’s not market leading for all its savings account options. It’s always worth shopping around.
  • Remote. If you prefer face-to-face banking and you don’t live in the North East of England, then you may have problems with this Building Society.

Customer service information for Newcastle Building Society

Email support
Telephone support
In-app or live chat
Contact form
Branch support

Our verdict

Newcastle Building Society offers a range of savings options, from easy access and fixed-rate accounts, so you should be able to find an account to suit you. It’s still worth checking out the competition, though, so read our other savings reviews to see how Newcastle Building Society weighs up against the competition.

Frequently asked questions

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 has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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Writer

Felix Thompson is a freelance writer at Finder. He covers everything from digital banking to car insurance and, whatever the topic, he aims to make it easy for consumers to get straight to the best deal. Felix has a postgraduate qualification in international journalism and is also a broadcast journalist. In his spare time, he loves to cycle. See full bio

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