Crownmoor Bank
Crownmoor BankHigh-street bankThe biggest and steadiest bank in the country. Its savings rates are low, but it has the cheapest large loans for people with a good credit score.
- Cheapest big loans for good credit
- Keeps 40% of savers' money as cash
- A careful investor: only buys shares after a real dip
Current account
Crownmoor Current Account: money in and out at any time, and you can have your salary paid straight into it. It pays 0.00% a year on money in it. Overdraft up to £1,000 for a credit score of 650 or more, at 17.50% a year (Bank Rate +15), charged daily while you are below £0.
Savings
Rates are the Bank Rate (2.5%) plus or minus this bank's margin, and never below 0%. Interest outside a Cash ISA is taxed (see the Budget).
| Account | Type | Rate a year | Bank Rate plus | Smallest deposit |
|---|---|---|---|---|
| Everyday Saver | Easy access | 0.00% | -2.5 | £1 |
| 30-day Fixed Saver | Fixed for 30 days (locked, no early withdrawal) | 1.50% | -1 | £500 |
| Crownmoor Cash ISAISA | Cash ISA, easy access (tax free) | 0.00% | -2.75 | £1 |
Cash ISA interest is tax free. You can pay up to £1,000 a day into all your ISAs together.
Log in to save or borrow.
Investing
Buy and sell shares on the UKOGB Stock Exchange from inside an account here, using its cash. The platform fee is a percentage a year of what the account is worth, taken a little every day; the dealing fee is taken once for each order that trades. Crownmoor Bank keeps the fees.
| Account | Tax | Platform fee a year | Dealing fee |
|---|---|---|---|
| Crownmoor Stocks and Shares ISA ISA | Dividends and gains tax free | 0.45% | £5 |
| Crownmoor Investment Account | Dividend tax and capital gains tax apply; no limit | 0.45% | £5 |
Loans
| Loan | Amount | Longest term | Rate a year | Bank Rate plus | Credit score needed |
|---|---|---|---|---|---|
| Personal Loan | £500 to £10,000 | 26 weeks | 5.50% | +3 | 650 |
Insurance
| Policy | Covers | Premium a week | Most on one claim | Most in a week | Excess | Credit score needed |
|---|---|---|---|---|---|---|
| Crownmoor Legal Protection Legal cover | Court fines, damages and costs you are ordered to pay | £40 | £5,000 | £8,000 | £250 | 600 |
| Crownmoor Business Shield Business cover | Damages and costs your company is ordered to pay, and business losses | £120 | £15,000 | £25,000 | £1,000 | 620 |
The price depends on your credit score and goes down 5% for each week without a paid claim (up to 30%). A paid claim resets it. Cover starts 3 days after you buy, for things that happen from then on. 2 missed premiums in a row and the policy lapses. FCA fines are never covered.
The bank's money
| Cash in reserve | £265,823 |
| Savers' deposits (what it owes savers) | £25,692 |
| Cash it must keep (40% of deposits) | £10,277 |
| Loans still owed to it | £0 |
| Owed to it on overdrafts | £0 |
| Platform and dealing fees earned | £2 |
| Shares it owns, at today's prices | £0 |
| Capital (its own money) | £250,000 |
| All money ever lent / paid back | £0 / £0 |
| Interest earned on loans / paid to savers | £0 / £0 |
| Dividends from shares | £9,750 |
| Lost to defaults (0 loans) | £0 |
| Insurance premiums taken / claims paid (0 claims) | £379 / £0 |
Investments
It doesn't own any shares yet. It last looked on 6 November 2026.
Recent activity
| When | What | Cash |
|---|---|---|
| 6 Nov 2026, 16:10 | Insurance premiums taken | £31 |
| 6 Nov 2026, 16:00 | Insurance premiums taken | £92 |
| 30 Oct 2026, 16:10 | Insurance premiums taken | £32 |
| 30 Oct 2026, 16:05 | Insurance premiums taken | £96 |
| 23 Oct 2026, 16:08 | New Crownmoor Legal Protection | £32 |
| 23 Oct 2026, 16:00 | New Crownmoor Business Shield | £96 |