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 12th of 50 providers reviewed.

Customer happiness 58.68%
Customer trust 58.42%
Complaints performance 80.25%
Transparency rating 80.47%
Fairer Finance score
Reviewed Autumn 2022		 69%

Notice Savings Accounts

Up to 180 Day Notice Accounts

Charter Savings

95 Day Notice - Issue 54

Interest Rate (AER) i 3.45%
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 Withdrawals can be made via nominated account

Up to 90 Day Notice Accounts

Charter Savings

60 Day Notice - Issue 25

Interest Rate (AER) i 3.1%
Part of FSCS i
Notice Period 60 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 Withdrawals can be made via nominated account

Savings Accounts

1 Year Fixed Rate Accounts

Charter Savings

Fixed Rate Bond

Interest Rate (AER) i 4.26%
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 (days) i

2 Year Fixed Rate Accounts

Charter Savings

Fixed Rate Bond

Interest Rate (AER) i 4.4%
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 a variable rate account until you instruct them further or withdraw the funds.
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 (days) i

Easy Access Accounts

Charter Savings

Easy Access Issue 33

Interest Rate (AER) i 3.05%
Maximum Balance i £1,000,000.00
Part of FSCS i
Withdrawal Penalty i
Additional Information i
Minimum Opening Balance i £5,000.00
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
Penalty free withdrawals? i

Savings Accounts (ISAs)

1 Year Fixed Rate ISAs

Charter Savings

1 Year Fixed Rate Cash ISA

Interest Rate (AER) i 4.1%
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?
Can you transfer in funds from a stocks and shares ISA?

2 Year Fixed Rate ISAs

Charter Savings

2 Year Fixed Rate Cash ISA

Interest Rate (AER) i 4.15%
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 180 days interest
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Easy Access ISAs

Charter Savings

Easy Access Cash ISA - Issue 33

Interest Rate (AER) i 2.95%
Part of FSCS i
Withdrawal Penalty i Withdrawals can be made via nominated account
Minimum Opening Balance i £5,000.00
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
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?