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.
Whether your trust is for the short term, or for future years, your savings are in a safe place with Harpenden.
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.

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opened, that each monthly deposit is made on the first day of each calendar month, that no further money is paid in or withdrawn, and that the funds are held for the full interest period with no change to the interest rate.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

95 Days' Notice 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 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

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 (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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Our Story

Read Mutual magazine

The manageress & staff of the Leighton Buzzard Branch were extremely helpful in walking me through the forms & actions I needed to enable me to change my Branch based savings & ISA accounts to the online versions.

Ian H

February 2026

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

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…

Industry

DEC 01, 2025

FSCS protection limit increase

The Financial Services Compensation Scheme (FSCS) has increased the protection limit from £85,000 to £120,000 from 1st December 2025. This means if you hold deposits or savings with a building society,…

Community

OCT 15, 2025

Jon’s savings blog – The importance of talking about money

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OCT 14, 2025

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OCT 13, 2025

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OCT 09, 2025

Our latest grants

Harpenden Hopper HBS Grant £4,000 The Harpenden Hopper is a community minibus service that has become much more than just a means of getting from A to B. The Hopper is a…

Compare Specialist Accounts

Key Features

Compare Accounts

Calculate How Much You Could Save In a Year

95 Days' Notice Account (Issue 1)

35 Days' Notice Account (Issue 1)

35 Days' Notice Trust Account (Issue 1)

Instant Access (Issue 1)

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How can we help you today?

For Savers

For Members

Latest News

A Q&A with our CEO Tracie

We celebrate our new branch opening in Harpenden

FSCS protection limit increase

Jon’s savings blog – The importance of talking about money

Our latest volunteering

A spot of phishing

Doorstep scams

Our latest grants