Charter Savings

Charter Savings, owned by Charter Court Financial Services, is an online retail bank which provides predominantly savings products. They have no branches but have a call centre open 7 days a week.

The Charter Court Financial Services group also owns Precise Mortgages and Exact Mortgage Experts.

Charter Court Financial Services was established in 2008, and were granted a banking licence in January 2015. They are listed on the London Stock Exchange and used to be listed on the FTSE 250 index until acquired by OneSavings Bank in October 2019.

In 2019 it was announced that Charter Court Financial Services would merge with Kent Reliance, a banking services provider and trading name for OneSavings Bank plc.

Charter Savings offer fixed rate bond accounts, notice accounts and easy access accounts.

Charter Savings
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Gold ribbon: first place

Savings Accounts

Ranked 17th of 53 providers reviewed.

Customer happiness score 60.35%
Customer trust score 56.06%
Complaints performance 84.15%
Transparency rating 75.31%
Fairer Finance score
Reviewed Autumn 2023		 69%

Notice Savings Accounts

Up to 180 Day Notice Accounts

Charter Savings

95 Day Notice - Issue 62

Interest Rate (AER) i 5.15%
Part of FSCS i
Notice Period 95 days
Minimum Opening Balance i £5,000.00
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Early withdrawals allowed? i
Withdrawal Penalty i

Savings Accounts

1 Year Fixed Rate Accounts

Charter Savings

1 Year Fixed Rate Bond

Interest Rate (AER) i 5%
Minimum Opening Balance i £5,000.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into either a linked account, a nominated account, a variable rate account or reinvested in a fixed rate account with similar terms.
Part of FSCS i
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty i

Easy Access Accounts

Charter Savings

Easy Access - Issue 50

Interest Rate (AER) i 4.93%
Balance Tiers i 5.08% from £5,000
Minimum Opening Balance i £5,000.00
Withdrawal Penalty i
Part of FSCS i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Additional Opening Criteria i
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 18
Penalty free withdrawals? i
Sharia Account i
Additional Information i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i

Savings Accounts (ISAs)

1 Year Fixed Rate ISAs

Charter Savings

1 Year Fixed Rate Cash ISA

Interest Rate (AER) i 4.7%
Minimum Opening Balance i £5,000.00
What happens at maturity? i The provider will contact you before the account matures. The money will be transferred into a linked or nominated account unless you instruct them otherwise.
Part of FSCS i
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs 90 days interest
Can you transfer in funds from another cash ISA? i
Can you transfer in funds from a stocks and shares ISA? i

Easy Access ISAs

Charter Savings

Easy Access Cash ISA - Issue 45

Interest Rate (AER) i 4.81%
Minimum Opening Balance i £5,000.00
Part of FSCS i
Withdrawal Penalty i
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA? i
Can you transfer in funds from a stocks and shares ISA? i