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Charter Savings Bank

Illustrative reference data — not personal financial advice. Verify rates and fees on the provider’s own pages before acting.

Online savings specialist (part of Charter Court). Consistently among the higher easy-access rates Feefee tracks. Easy Access 4.21%, Cash ISA 4.23%, Fixed 1-year 4.71%. FSCS-protected.

Products tracked

What works
  • Easy-access at 4.21% AER — frequently among the higher-rate options we track
  • Cash ISA at 4.23% AER
  • FSCS-protected
What to watch
  • No app — web-only
  • Funding takes a working day

FSCSFinancial Services Compensation SchemeUK government-backed protection if a firm fails. Cash deposits at an authorised bank or building society are covered up to £120,000 per person, per banking group (raised from £85,000 on 1 December 2025). Investments at an authorised platform are covered up to £85,000 — a separate scheme. NS&I sits outside FSCS with 100% HM Treasury backing. protection

FSCS deposit cover up to £120,000 per eligible person, per authorised firm (from 1 Dec 2025).

FSCS deposit cover is per banking licence (not per brand). Lloyds Banking Group includes Lloyds, Halifax, Bank of Scotland, and Birmingham Midshires — all share one £120,000 cap. Investment platforms run on a separate FSCS scheme capped at £85,000. NS&I sits outside FSCS with 100% HM Treasury backing. Spreading large balances across separate licences preserves coverage.

Source · last verified 18 Aug 2026
https://www.chartersavingsbank.co.uk/Products/EasyAccess →

Easy Access (Issue 78) 4.21% AER. Easy Access Cash ISA (Issue 81) 4.23% AER (chartersavingsbank.co.uk/Products/ISAs). 1 Year Fixed Rate Bond 4.71% AER.

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Reference data only — not personal financial advice or a recommendation. Rates and fees move; verify on the provider’s own pages before opening or transferring an account. Provider trademarks belong to their respective owners; Charter Savings Bank appears here under nominative fair-use as identification of a UK financial product.