Are there any UK bank accounts for adults that provide a book instead of a card?

Rob5342

Paragon have accounts with withdrawal restrictions, which might be a far less archaic solution.

https://www.paragonbank.co.uk/savings/savings-accounts?tabid=access

CookieKing7

Alderbank said:

I agree an account with a pass book might pay slightly lower interest.

On the other hand, notice savings and fixed term accounts pay slightly more in return for keeping hold of your money for a time, which should be just what you are looking for.

Here are MSE's suggestions:https://www.moneysavingexpert.com/savings/savings-accounts-best-interest/#notice and here: https://www.moneysavingexpert.com/savings/savings-accounts-best-interest/#fixedsavings 

Bear in mind I am looking for an alternative to keeping cash in the house...so any interest is a bonus! I just want a bit of cash for emergencies, and for it not be easy to spend / transfer online...not putting my life savings in it!

CookieKing7

pramsay13 said:

Would a notice account deter you from spending it? 

I need instant-ish access as it's for emergency savings. I don't mind having to go to a branch to withdraw, but an account that requires notice won't be any good to me!

CookieKing7

Cloth_of_Gold said:

I have a Yorkshire BS instant access account which pays 3.45% iirc. You can register to manage the account online (and I do) but you get a passbook and can just use that, either in a branch or by post.

Yes, this is one of the accounts I found and am considering. Do you know if online banking is definitely optional?

CookieKing7

Rob5342 said:

Paragon have accounts with withdrawal restrictions, which might be a far less archaic solution.

https://www.paragonbank.co.uk/savings/savings-accounts?tabid=access

The problem for me is that if I can access it online, I probably will, even if it means forgoing interest!

I am going to go with a building society that uses a passbook for withdrawals in branch only as this is the perfect solution for me...the money is there if I need it but it's a bit inconvenient to access! Means I won't transfer it online to another account, or just spend it on a whim!

Exodi

Could you not consider an account that has withdrawal hurdles?

E.g. a notice account, a regular saver that you incur an interest penalty for early withdrawal, an easy-access saver with limited withdrawals allowed, etc.

Cloth_of_Gold

CookieKing7 said:

Cloth_of_Gold said:

I have a Yorkshire BS instant access account which pays 3.45% iirc. You can register to manage the account online (and I do) but you get a passbook and can just use that, either in a branch or by post.

Yes, this is one of the accounts I found and am considering. Do you know if online banking is definitely optional?

Sorry for the late reply. Yes, it's definitely optional. My partner opened one at the same time as me and hasn't registered for online banking with it and just goes into the branch to do things.