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Secure Trust Bank savings accounts review
Secure Trust Bank offers a broad range of savings accounts with interest rates up to 4.42%.
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Established in 1952 in the West Midlands, Secure Trust Bank offers a range of savings accounts and lending services to more than a million customers.
Secure Trust Bank's top savings rate of 4.42% is available on one of its fixed-rate bond accounts.
Easy access savings accounts
Table: sorted by interest rate
Secure Trust Bank's best easy access rate of 3.95% is significantly lower than today's market-best rate of 6%.
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How we picked theseCash ISAs
Table: sorted by interest rate
Secure Trust Bank's best cash ISA rate of 4.17% is slightly lower than today's market-best rate of 4.67%.
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How we picked theseFixed-rate bonds
Table: sorted by interest rate
Secure Trust Bank's best fixed-rate bond rate of 4.42% is very slightly lower than today's market-best rate of 4.5%.
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What is Secure Trust 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 Secure Trust Bank offers, plus the highest interest rate currently available.
| Savings account types include | Easy access, cash ISAs, fixed-rate bonds |
|---|---|
| Best easy access rate | 3.95% |
| Best cash ISA rate | 4.17% |
| Best fixed-rate bond rate | 4.42% |
| Fixed bond terms | 1 year 6 months - 5 years |
| Opening options | Website |
| FSCS protection |
How to open a Secure Trust savings account
To open an account with Secure Trust Bank, you will need to be at least 18 years old and a UK resident. You can apply for an account online by filling in a short application form – this should only take 10 minutes. You will need to provide personal details including your name, address, email address, phone number and National Insurance number (for cash ISAs). You will also need to provide details of a UK bank account in your name, which will be your nominated account.
Documents needed to open an account
When you apply for an account with Secure Trust Bank, it will aim to verify your identity electronically via a credit reference agency, so you shouldn’t need to provide any documents.
If your identity cannot be verified this way, you may have to provide proof of ID such as a passport or driving licence.
Is Secure Trust Bank safe?
Yes, Secure 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 £120,000 by the Financial Services Compensation Scheme (FSCS).
Pros and cons
Pros
- Flexibility. Secure Trust Bank offers a number of savings accounts, whether you’re looking for easy access or long-term gains.
- FSCS protection. Money in accounts will be protected up to £120,000 per person.
- Easy to open an account. The application process should only take 10 minutes, and you shouldn’t need to provide any documents.
Cons
- No bank branches. You can only manage your account online or by phone.
- No short-term fixed rate bonds. The shortest term is currently 3 years.
Our verdict: Is a savings account from Secure Trust Bank worth it?
Secure Trust Bank offers a number of competitive savings accounts, including fixed rate accounts for those with a lump sum to invest, an easy access account and cash ISAs.
However, you will need to be happy banking online or over the phone if you want to open an account with Secure Trust Bank. And as always, it pays to shop around to check what else is out there before making any final decisions.
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 is provided by Defaqto. In other cases, Finder has sourced data directly from providers.
Sources
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