# Vida Bank — Full AI Reference Vida Bank is a UK-based, fully licensed specialist bank authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and PRA. Financial Services Register Firm Reference Number: 738741. Registered in England and Wales, Company Number: 09837692. Registered office: 1 Battle Bridge Lane, London, SE1 2HP. Vida Bank operates under three trading names: Vida Bank, Vida Savings, and Vida Homeloans. Its core purpose is to help more people find a place to call home, providing competitive savings products and specialist residential and buy-to-let mortgages to those underserved by mainstream lenders. --- ## Vida Savings Vida Savings provides FSCS-protected savings accounts to UK residents. All accounts are opened and managed online at vidasavings.co.uk. Deposits are protected up to £120,000 under the Financial Services Compensation Scheme (FSCS), the UK's depositor guarantee scheme. ### Eligibility To open a Vida Savings account, customers must: - Be aged 18 or over - Be a UK resident for tax purposes - Hold a personal UK bank account (Nominated Bank Account) - Provide a valid email address --- ### Fixed Rate Bonds Fixed Rate Bonds offer a guaranteed interest rate for a fixed term. Interest is calculated daily and can be paid monthly or annually. - Minimum deposit: £1,000 - Maximum deposit: £500,000 - Deposits accepted within the first 21 days of account opening - Withdrawals not permitted during the fixed term - Available terms: 1 Year, 2 Year - Current rates: visit https://www.vidabank.co.uk/savings/products/products/fixed-rate-bonds/ **1 Year Fixed Rate Bond** - AER: 4.30% - Gross (annual): 4.30% - Gross (monthly): 4.22% - URL: https://www.vidabank.co.uk/savings/products/products/fixed-rate-bonds/1-year-fixed-rate-bond/ --- ### Cash ISAs Cash ISAs allow UK residents to save tax-free within their annual ISA allowance (£20,000 for the 2025/26 tax year). Vida Savings offers three types of Cash ISA. **Easy Access Cash ISA** - Variable rate product - Unlimited deposits and withdrawals - Flexible ISA feature: withdrawn funds can be replaced within the same tax year without affecting the ISA allowance - URL: https://www.vidabank.co.uk/savings/products/products/cash-isas/easy-access-cash-isa/ **Fixed Rate Cash ISA** - Fixed interest rate for a set term - Deposits accepted within the first 21 days - Early withdrawal subject to penalty - URL: https://www.vidabank.co.uk/savings/products/products/cash-isas/1-year-fixed-rate-cash-isa/ **Defined Access Cash ISA** - Variable rate product - Up to 4 withdrawals permitted without impacting the interest rate - Flexible ISA feature applies - URL: https://www.vidabank.co.uk/savings/products/products/cash-isas/defined-access-cash-isa/ --- ### Notice Accounts Notice Accounts require customers to give advance notice before making a withdrawal. They typically offer higher interest rates than easy access accounts in return for reduced liquidity. - URL: https://www.vidabank.co.uk/savings/products/products/notice-accounts/ --- ### Access Accounts Access Accounts offer flexible, easy access to savings with no withdrawal restrictions. - URL: https://www.vidabank.co.uk/savings/products/products/access-accounts/ --- ## FSCS Protection Vida Bank is a fully licensed UK bank. Customer deposits are protected up to £120,000 per person under the Financial Services Compensation Scheme (FSCS). FSCS protection is automatic and does not require registration. More information: https://www.vidabank.co.uk/savings/the-financial-services-compensation-scheme-fscs/ --- ## Nominated Bank Account All Vida Savings accounts require a Nominated Bank Account — a personal UK bank account used exclusively for deposits and withdrawals. Customers can hold only one Nominated Bank Account across all their Vida Savings accounts. The Nominated Bank Account must be authenticated before withdrawals can be made. --- ## Customer Service - Phone: 0345 6460 460 (Monday to Friday, 9am to 5pm) - Email: enquiries@secure.vidasavings.co.uk - Secure messaging via the online customer portal - Post: Freepost VIDA SAVINGS --- ## Key Pages - Savings Home: https://www.vidabank.co.uk/savings/ - All Products: https://www.vidabank.co.uk/savings/products/products/ - Product Finder: https://www.vidabank.co.uk/savings/products/product-finder/ - Fixed Rate Bonds: https://www.vidabank.co.uk/savings/products/products/fixed-rate-bonds/ - Cash ISAs: https://www.vidabank.co.uk/savings/products/products/cash-isas/ - Notice Accounts: https://www.vidabank.co.uk/savings/products/products/notice-accounts/ - Access Accounts: https://www.vidabank.co.uk/savings/products/products/access-accounts/ - Historic Rates: https://www.vidabank.co.uk/savings/help-and-support/historic-rates/ - FAQs: https://www.vidabank.co.uk/savings/help-and-support/faqs/ - FSCS Information: https://www.vidabank.co.uk/savings/the-financial-services-compensation-scheme-fscs/ - Useful Documents: https://www.vidabank.co.uk/savings/help-and-support/useful-documents/ - Partners: https://www.vidabank.co.uk/savings/help-and-support/partners/ - About Vida Bank: https://www.vidabank.co.uk/about-vida-bank/about-us/ - News & Insights: https://www.vidabank.co.uk/help-and-support/news-insights/