Compare Specialist Accounts

We believe in keeping things simple and straightforward and we’re confident that we can provide you with a specialist savings account to suit your needs.

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Key Features

Our range of specialist savings accounts are designed to keep things simple and straightforward and be easy to operate. We’re confident that we can provide you with a specialist savings account to suit your needs.

Our trust savings accounts are available to UK-based Trusts including: Will Trusts, Charitable Trusts, Personal Injury Trusts, Simple/Bare Trusts, Interest in Possession Trusts and Discretionary Trusts.
Our business savings accounts allow you to focus on your business, as we take care of your savings. Whether your business is just beginning its journey, or has been thriving for decades like us, your savings are in a safe place with Harpenden.
Our business savings accounts are available to UK-Based SME and Micro Enterprise businesses – i.e. Limited companies, Partnerships and Limited liability partnerships.
Our SIPP cash deposit accounts enable administrators to hold client pension cash securely within existing SIPP arrangements, while earning interest on balances.

Calculate How Much You Could Save In a Year

Available to new customers/ existing customers?

New and Existing Customers Existing Customers Only

Term (Description)

0-1 Years 2-3 Years 3+ Years No Restrictions

Starting Balance (How much you’ll open with):

£0 £100,000+

Monthly Savings (How much you’ll put in a month):

£0 £100,000+

The estimated interest is for illustrative purposes only and is intended to help you compare accounts. It doesn’t take account of individual circumstances. All interest rate information should be read in conjunction with the full product information and the general terms and conditions for savings accounts. The figures below are based on your initial deposit entered and monthly deposits entered over a 12‑month period, using current interest rates. This projection assumes that the initial deposit is made when the account is opened, that each monthly deposit is made on the first day of each calendar month, that no further money is paid in or withdrawn, and that the funds are held for the full interest period with no change to the interest rate. For products with tiered interest rates, the calculation shown is based solely on the highest interest rate available within the product. Please refer to the individual product terms and conditions for full details, including how tiered interest rates and withdrawals apply.

Business Accounts

2 Year Fixed Rate Business Bond (Issue 3)

Interest Rate

4.36%

PA / AER | Fixed

Minimum Deposit

£10,000

Only one payment will be allowed into the account. This must be within 30 days of opening the account. This can be any amount between £10,000 and £250,000.

Suitable For

Businesses with surplus funds seeking a guaranteed fixed rate return over 2 years.

Account Opening

Online

Learn More

Business Accounts

95 Days' Notice Business Account (Issue 1)

Interest Rate

3.52%

PA / AER | Variable

Minimum Deposit

£10,000

Please note that you must fund the account with the minimum balance of £10,000 within 30 days of account opening, otherwise your application may be cancelled.

Suitable For

You have surplus cash, you can put it to work by earning interest on your funds

Account Opening

Online

Learn More

Business Accounts

35 Days' Notice Business Account (Issue 1)

Interest Rate

3.11%

PA / AER | Variable

Minimum Deposit

£10,000

Please note that you must fund the account with the minimum balance of £10,000 within 30 days of account opening, otherwise your application may be cancelled

Suitable For

You have surplus cash, you can put it to work by earning interest on your funds

Account Opening

Online

Learn More

SIPP Accounts

SIPP 35 Days' Notice Account (Issue 1)

Interest Rate

2.75%

PA / AER | Variable

Minimum Deposit

£10,000

Please note that you must fund the account with the minimum balance of £10,000 within 30 days of account opening, otherwise your application may be cancelled

Suitable For

Holding and managing cash within existing SIPP arrangements

Account Opening

Online

Post

Learn More

SIPP Accounts

SIPP Instant Access Account (Issue 1)

Interest Rate

2.50%

PA / AER | Variable

Minimum Deposit

£10,000

Please note that you must fund the account with the minimum balance of £10,000 within 30 days of account opening, otherwise your application may be cancelled

Suitable For

Holding and managing cash within existing SIPP arrangements

Account Opening

Online

Post

Learn More

Trust Accounts

35 Days' Notice Trust Account (Issue 1)

Interest Rate

1.95%

PA / AER | Variable

Minimum Deposit

£10,000

Please note that you must fund the account with the minimum balance of £10,000 within 30 days of account opening, otherwise your application may be cancelled.

Suitable For

You are a trustee who needs to manage funds according to specific rules, such as a Discretionary Trust

Account Opening

Branch

Online

Post

Learn More

Trust Accounts

Instant Access Trust Account (Issue 1)

Interest Rate

1.55%

PA / AER | Variable

Minimum Deposit

£10,000

Please note that you must fund the account with the minimum balance of £10,000 within 30 days of account opening, otherwise your application may be cancelled.

Suitable For

You are a trustee who needs to manage funds according to specific rules, such as a Discretionary Trust

Account Opening

Branch

Online

Post

Learn More

Notes: This interest rate information should be read in conjunction with our General Savings Account Terms and Conditions for Business Deposit Savings Accounts.

* The gross rate (PA) is the rate before deducting tax at the rate applicable to savings income. The annual equivalent rate (AER) is a notional rate which illustrates what the gross interest rate would be if the interest was paid and added to the account annually.

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Read Mutual magazine

It was much easier than I anticipated to open the Trust account and then register to manage this online. The application and accompanying documents were submitted via email and registration was managed online. There are a limited a number of banks and societies offering these products and services and Harpenden Building Society made it a stress-free process.

August 2026

Couple planning finances and budget in home office

This is a short note to express our gratitude for the warm and helpful assistance we received when trying to set up our Savings ISAs at the Harpenden store. We were particularly grateful for the way the staff patiently took us through the paperwork with such good humour.

Charles P

March 2026

Community

AUG 18, 2026

Member Notice – Harpenden Online and Broker Online scheduled maintenance

Industry

JUL 31, 2026

Fixed Rate product update

FOR INTERMEDIARY/PROFESSIONAL ADVISORS ONLY. NOT FOR CONSUMER USE.

Harpenden wins ‘Best Local Building Society’ at the 2026 What Mortgage Awards

Harpenden Building Society wins ‘Best Local Building Society’ for the 12th year in a row, as well as being marked ‘Highly Commended’ in the ‘Best Specialist Lender’ and ‘Best Large…

Industry

JUN 09, 2026

Harpenden launch Expat mortgages

FOR INTERMEDIARY/PROFESSIONAL ADVISORS ONLY. NOT FOR CONSUMER USE.

Community

MAY 20, 2026

Jon’s Savings Blog – ISA Changes in 2027

There’s a famous saying: “The best time to plant a tree was 20 years ago. The second‑best time is now.” Well, when it comes to ISAs… the tree is about…

Industry

APR 22, 2026

Member Notice – Staff training 23rd April

A Q&A with our CEO Tracie

Here’s a quick Q&A from our CEO Tracie Meadows diving into our new rebrand.

Industry

JAN 22, 2026

We celebrate our new branch opening in Harpenden

We are thrilled to announce the launch of our brand-new branch, located right on the High Street, in one of the busiest areas of Harpenden. The doors opened on the…

Compare Specialist Accounts

Key Features

Compare Accounts

Calculate How Much You Could Save In a Year

2 Year Fixed Rate Business Bond (Issue 3)

95 Days' Notice Business Account (Issue 1)

35 Days' Notice Business Account (Issue 1)

SIPP 35 Days' Notice Account (Issue 1)

SIPP Instant Access Account (Issue 1)

35 Days' Notice Trust Account (Issue 1)

Instant Access Trust Account (Issue 1)

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Speak to us about our specialist accounts – book a call

How can we help you today?

For Savers

For Members

Latest News

Member Notice – Harpenden Online and Broker Online scheduled maintenance

Fixed Rate product update

Harpenden wins ‘Best Local Building Society’ at the 2026 What Mortgage Awards

Harpenden launch Expat mortgages

Jon’s Savings Blog – ISA Changes in 2027

Member Notice – Staff training 23rd April

A Q&A with our CEO Tracie

We celebrate our new branch opening in Harpenden