Award Winning Savings. Personalised Service

Traditional banking treats everyone the same. Private banking requires millions. We built Monument for the people in between.

Competitive rates and excellent service in one simple app.
Start saving from £10,000.
FSCS protected up to £85,000.

Trusted with over

£5 Billion

in savings

Savings rates for bigger balances

Choose from flexible 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 £85,000.

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Easy Access Savings

3.77% AER (variable)

Access to your money 24/7.

Unlimited deposits and withdrawals.

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Easy Access Cash ISA

4.00% AER (variable)

Earn interest monthly, completely tax-free.

Same-day withdrawals and deposits.

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Limited Access Saver

4.00% AER (variable)

Make up to 3 withdrawals every 12 months without affecting your rate.

Deposit anytime, immediate access when you need it.

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Notice Accounts

3.85% AER (variable)

Let us know in advance to withdraw your money.

Flexibility to keep adding deposits.

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Fixed Term Deposits

Up to 4.20% AER (fixed)

Earn a guaranteed fixed interest rate for your long term goals.

Unlimited deposits in the first 14 days.

AER stands for Annual Equivalent Rate. This shows you what the interest rate would be if interest was paid and compounded once each year. Savings are capped at £2,000,000 across all Monument accounts. 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 £85,000 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

Our UK-based Client Services team answer the phone in seconds.

Or you can also use in-app video calls, live chat or messaging.

Fast transfers

Move money quickly. With instant confirmations on every payment and withdrawal.

Start saving today

Download our app and apply in minutes.

Download now

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.

Who is Monument?

Monument is a fully regulated, UK bank built to help you manage, grow and enjoy your wealth.

More than 70,000 clients save with Monument and benefit from our range of Lifestyle services and UK-based client servicing team.

Your money is protected up to £85,000 by the Financial Services Compensation Scheme (FSCS).

Is Monument safe?

Yes, your savings with Monument are protected by the Financial Services Compensation Scheme (FSCS) up to £85,000.

We are a fully licensed UK bank and regulated by the Financial Conduct Authority. Our license number is FRN 849724.

What is the minimum balance and maximum balance?

You can save between £25,000 and £2,000,000 with Monument.

The £25,000 minimum balance requirement is for the combined total across all of your Monument accounts. For example, if you have an Easy Access and a Notice Account with us, you must hold a minimum of £25,000 in total across both accounts.

How do I pay money into and out of my Monument account?

When you apply for an account, you’ll be asked to “link” it to another UK bank account in your name. We call this your “Linked Account”.

You will be given a sort code and an account number for your Monument account which you can use to make electronic payments into your Monument account from your Linked Account.

When you want to withdraw money from a Monument Account, you can do that through the app and we will send it to your Linked Account.

We will only accept money from your Linked Account, and we will only pay your money to your Linked Account.

You can only pay in or withdraw money electronically via your Linked Account – we don’t accept (or provide) cash, card or cheque transactions.

Can the rate change?

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.