Award-winning savings. Personalised service
Traditional banking treats everyone the same. Private banking requires millions. We built Monument for the people in between.
£7 Billion
Savings rates for bigger balances
Choose from flexible or fixed savings accounts and an ISA, all with competitive rates.
Minimum deposits: £10,000 for ISAs, £25,000 for savings accounts. Protected by the FSCS up to £120,000. Interest is paid monthly on variable accounts. For fixed accounts, interest is paid at maturity.
Easy Access Savings Boosted Rate
New clients can earn 3.77% AER (variable) plus a 0.74% AER additional fixed bonus rate until 5th January 2027
Access to your money 24/7.
Fixed Term Deposits
Earn a guaranteed fixed interest rate for your long term goals.
Unlimited deposits in the first 14 days, access your money at the end of the term.
Easy Access Cash ISA
Deposit up to £20,000 per tax year and earn tax-free interest*
Same-day withdrawals and deposits.
Limited Access Saver
Make up to 3 withdrawals every 12 months without affecting your rate.
Deposit anytime, immediate access when you need it.
Notice Accounts
Let us know in advance to withdraw your money.
Flexibility to keep adding deposits.
*For Easy Access Cash ISA, your tax treatment depends on your individual circumstances and ISA regulations which may change.
Your money is safe with us.
Eligible savings are protected up to £120,000 by the Financial Service Compensation Scheme (FSCS).
Exceptional service. Every time.
An app built for simplicity
Simple navigation that gets you where you need to go.
Rated 4.9 stars on the App Store and Google Play.
Speak to real people
Reach our UK-based Client Services team by phone, in-app video call, live chat or messaging.
Fast transfers
Move money quickly. With instant confirmations on every payment and withdrawal.
Frequently Asked Questions
Here are the answers to most popular questions about our savings accounts. For more, visit our FAQ page.
We're here to help from 9am to 6pm Monday to Friday (10am to 6pm on Thursdays). We're closed on bank holidays and weekends.
Need to reach us outside these hours? Email us at service@monument.co and we'll respond as soon as we can.
Monument is a fully regulated, UK bank built to help you manage, grow and enjoy your wealth.
More than 100,000 clients save with Monument and benefit from our range of Lifestyle services and UK-based client servicing team.
Your money is protected up to £120,000 by the Financial Services Compensation Scheme (FSCS).
Yes, your savings with Monument are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000.
We are a fully licensed UK bank and regulated by the Financial Conduct Authority. Our license number is FRN 849724.
Easy Access Cash ISA: £10,000.
Savings accounts: £25,000 combined across all your accounts.
For example, if you hold multiple savings accounts (like an Easy Access and a Notice Account), you need £25,000 in total across both, not £25,000 in each.
The maximum that you can hold with us is £2,000,000.
When you open an account, you'll link it to another UK bank account in your name. We call this your "Linked Account."
Paying money in: Transfer money from your Linked Account to your Monument account using the sort code and account number we provide.
Taking money out: Withdraw through the app. We'll send the money to your Linked Account.
Important to know:
- We only accept deposits from your Linked Account.
- We only send withdrawals to your Linked Account.
- All transactions are electronic—no cash, card, or cheque payments.
The rates on our Easy Access Savings, Easy Access Cash ISA, Limited Access Saver and Notice Accounts are variable and may change. If they do, we’ll email you with any changes we make to the rate.
The rates on our Fixed Term Deposits are fixed and will not change once you've opened that account.
