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Whatever your savings goals, we can help build your financial future with access to competitive savings accounts from a wide range of partner banks - all with a single log-in. 

Locking your money into a fixed rate bond with Raisin UK can help protect your savings from the impact of inflation as well as falling interest rates. Estimates suggest UK savers could potentially lose up to £2.3 billion in interest over the next 12 months by leaving their savings idle, so now could be the time to explore your savings options.

To help get you started, new customers can receive a welcome bonus on their first qualifying deposit between 14 October and 30 November 2025. To qualify, follow these steps: 

1. Register for a Raisin UK account and enter the code VAULTBYRAISIN in the promo code box (please note: you must enter the code to qualify, it is not auto-applied).
2. Open and fund a fixed rate bond with a term of 1 year or over by 30 November 2025.
3. The bonus you receive depends on how much you deposit: 

Check the terms and conditions below to confirm your bonus eligibility.

Raisin UK is authorised and regulated by the FCA (FRN: 813894). Our partner banks and building societies are protected by the Financial Services Compensation Scheme (FSCS), which covers up to £85,000 per person, per bank.

From registering to applying for your first savings account, Raisin UK is free to use with no hidden fees or charges.

These are the terms and conditions ("Terms and Conditions") that apply to the Raisin UK Vault by Raisin bonus.

1. The Bonus Offer

    a. The offer is a one-time cash bonus (the “Bonus”) available to new Raisin UK customers who meet the eligibility criteria outlined below.

    b. The Bonus amount is dependent on the size of your first qualifying deposit into a fixed rate bond: 

        i. Eligible deposits between £10,000 and £24,999.99 will qualify for a Bonus of £40;

        ii. Eligible deposits between £25,000 and £49,999.99 will qualify for a Bonus of £100; and;

        iii. Eligible deposits between £50,000 and £85,000* will qualify for a Bonus of £150.
  *Please note that FSCS protection currently applies up to £85,000 per person, per bank. Any amount above the FSCS protection limit is not covered by FSCS. 

    c. The Bonus will be paid into your Raisin UK Transaction Account by 23:59 GMT on 31st December 2025.

2. Qualifying Period

    a. The Bonus offer runs from 00:01 BST on 14th October 2025 until 23:59 GMT on 30th November 2025 (the “Qualifying Period”). You must place your order and fund the qualifying fixed rate bond within the Qualifying Period. 

3. Eligibility

The Bonus is only available to new Raisin UK customers who have never previously opened or funded any savings account via Raisin UK prior to 00:01 BST on 14th October 2025.

To qualify for the Bonus you must do the following during the Qualifying Period:

    a. Register for a Raisin UK account and enter the promo code ‘VAULTBYRAISIN’ in the “promo code” field at registration.

    b. Place your order for a new fixed rate bond with a term of 12 months or longer during the Qualifying Period. Easy access accounts and notice accounts are not eligible for the Bonus. The order must be for a single deposit of at least £10,000. Orders placed after the Qualifying Period will not be eligible for a Bonus.

    c. Ensure that the qualifying fixed rate bond remains open at the time we assess eligibility for the Bonus. If the order is cancelled, rejected, reversed or not successfully funded, you will not be eligible for the Bonus. 

    d. The deposit must have a minimum opening balance of £10,000. Only your first deposit is eligible, and funds spread across other deposits you subsequently open will not qualify for this bonus.

    e. The Bonus amount will be determined by the value of your first qualifying deposit. For example, if your first eligible deposit is £10,000, you will qualify for a £40 Bonus; if your first eligible deposit is £50,000, you will qualify for a £150 Bonus.

4. General

    a. One registration per person. Only one Bonus per person is allowed. We may use reasonable checks to detect duplicate registrations. 

    b. We may exclude a participant from this offer, or cancel or reclaim a Bonus, if we reasonably suspect they have breached these Terms, obtained the Bonus fraudulently or unlawfully, or where their Raisin UK account is closed or suspended due to a breach of Raisin UK’s Terms and Conditions.

    c. Raisin UK reserves the right to discontinue or change this offer campaign at any time without prior notice and without giving reasons where we reasonably consider it necessary to do so, for example, due to legal or regulatory changes, or other events outside our reasonable control that may prevent proper or implementation iIf individual provisions of these conditions are deemed invalid, the validity of the remaining terms of use remains unaffected.

    d. The Bonus is a cash payment and is non-transferable. No alternative or substitute bonus will be provided.

    e. This offer cannot be used in conjunction with any other promotional offer or bonus.  

    f. You are solely responsible for determining any tax liability and for reporting and paying any tax that may be due in relation to the Bonus.

5. The Promoter

    a. The promoter of this offer is Raisin UK. Raisin UK is a trading name of Raisin Platforms Limited (registered no 11075085) registered office Cobden House, 12-16 Mosley Street, Manchester M2 3AQ, United Kingdom. Raisin Platforms Limited is authorised and regulated by the Financial Conduct Authority (FRN: 813894 and 978619).

6. Governing Law and Jurisdiction

These Terms and Conditions shall be governed by the laws of England and Wales. Any disputes arising under them shall be subject to the exclusive jurisdiction of the courts of England and Wales.