Save and get 0.45% AER with our 45 Day Notice Account.

Work towards your short-term goals and get 0.45% AER variable with our 45 Day Notice Account. Open an account with as little as £1.

This account has a 45 day notice period. This means that when you make a withdrawal request, the money will be available after 45 days.

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Simple way to save

  • Set money aside, boost your savings and work towards your short-term goals. Get 0.45% AER variable on your savings with the Moneybox 45 Day Notice Account.
  • No account fees on your savings.
  • Get started with as little as £1 and deposit up to £85,000.
  • FSCS protected. See more below.

What else should I know?

  • This savings account is powered by our partner Charter Savings Bank. Charter Savings Bank is covered by the Financial Services Compensation Scheme so your savings are protected up to £85,000.
  • This product has a 45 day notice period, meaning when you make a withdrawal, we receive the money from Charter Savings Bank 45 days later and will then transfer it to your nominated bank account.
  • Interest is calculated daily and paid into your account each month. We will keep you informed of any changes to the interest rate.

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Summary Box

Moneybox 45 Day Notice Account

  • 0.45% AER variable.
  • Interest is earned daily and paid on the 1st day of each month, rounded down to the nearest penny.
  • Yes – the interest rate is variable, so it can go up or down
  • We will inform you as soon as possible, via the Moneybox App, and by email of any change to the interest rate
  • There are no fees for this account.
  • The estimated balance after 12 months would be £1,004.50
  • This assumes that:
    • The account is opened with £1,000 
    • No further deposits or withdrawals are made
    • The interest stays the same for the full 12 months


  • The account is available to UK residents aged 18 or more
  • You may only open and manage the account via the Moneybox App
  • You may only make payments into the account via the Direct Debit arrangements managed via the Moneybox App
  • Joint accounts are not allowed
  • You can request to withdraw cash at any time via the Moneybox App
  • On the Business Day after receipt of your withdrawal instruction we will request the return of your money
  • We will receive the money on the Business Day after the 45 day notice period has elapsed
  • Your money will continue to earn interest until it is returned to us as above
  • We will then send the money to your nominated bank account. It will take 3-5 Business Days before the money reaches your bank account
  • You will not earn any further interest on money after it has been returned to us or while it is sent to you
  • Interest is paid without tax being deducted.
  • Your tax treatment of any interest will depend on your individual circumstances.

Safety and transparency

Covered by the FSCS

This savings account is powered by our partner Charter Savings Bank. Charter Savings Bankis covered by the Financial Services Compensation Scheme so your savings are protected up to £85,000.

Bank level encryption

We use 256-bit TLS encryption for all your personal information and will never share any of your details with third parties without your consent.

We're here to help

If you have any questions, you can chat to us in the app or email us via

Risk Warning

It's important you know

All investing should be regarded as longer term. The value of your investments can go up and down, and you may get back less than you invest.

Risk Warning
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