Interest Rates FCA

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Savings accounts interest rates

Back to savings

Personal savings
Fixed Rate ISAs
Fixed Term savings
Business & Commercial

On the 2nd August  2018, the Bank of England Base Rate increased from 0.50% to 0.75%.  Details of interest rate changes for our savings accounts can be found here

Personal savings accounts

Click to expand

Savings Builder
 

Balance grows by less than £50 a month: regular saving condition
is not met

Balance grows by at least £50 a month: regular saving condition is met

Balance

AER/Gross p.a. (variable)

AER/Gross p.a. (variable)

£1 – £5,000

0.00%

 1.50%

£5,001 – £10,000

0.00%

1.00%

Over £10,000

0.00%

0.20%


Interest is paid on the above tiers on a stepped basis which means you’ll earn a different rate on each portion of your balance within the above tiers. Interest is calculated daily and paid on the first business day of the month and at account closure.

Open a savings account today

Instant Saver
Balance

AER/Gross pa (variable)
£1 - £24,999                    0.10%
£25,000 - £999,999     0.20%
£1m+                           0.25%

Interest paid monthly on the first business day of the month

Find out more

Looking to save regularly? With our Savings Builder account you can earn 1.5% AER/Gross p.a. (variable) when you grow your savings by £50 or more each month. Instant access to your money when you need it, and start saving from just £1. Eligbibily criteria and conditions apply.

More on Savings Builder

Cash ISA

Interest rates without bonus:

Balance Tax-free p.a./AER (variable)
£1 - £9,999          0.10%
£10,000 - £24,999     0.25%
£25,000 - £49,999     0.50%
£50,000+  0.75%

Interest paid monthly on the first business day of the month


Interest rates with bonus:

Bonus applies for customers who grew their Cash ISA balance by £20,000 or more between 6th April & 5th May 2017.  Bonus is fixed for 12 months from 18th May 2017 to 17th May 2018.

  On the first £20,000
Standard variable interest rate
including conditional bonus
of 1.00% tax-free/0.89% AER
(fixed for 12 months)		 On Remaining Balance
Standard variable
interest rate
excluding conditional bonus
Balance Tax-free p.a. (variable) AER (variable) Tax-free p.a. /AER
(variable)
£1 - £9,999 1.10% 0.99% N/A
£10,000 - £24,999 1.25% 1.14% 0.25%
£25,000 - £49,999 1.50% 1.39% 0.50%
£50,000 + 1.75% 1.64% 0.75%

 

Bonus interest is calculated daily and paid into your account on the first business day of the month.

AERs are calculated over a 365 day period. The AER is lower than the tax-free p.a. (variable) for the bonus because the AER is based on earning the rate excluding the bonus for 42 days (the maximum period from account funding before the bonus is earned) and then earning the rate including 1.00% bonus for 323 days

Find out more

Premium Saver
Balance               

One or more withdrawals made in a month: bonus condition is not met

AER/Gross p.a. (variable)

No withdrawals made in a month: bonus condition is met

AER/Gross p.a. (variable)
£1 - £24,999                0.10%             0.10% (no bonus is paid)
£25,000 - £49,999           0.10%             0.50% (includes 0.40% bonus)
£50,000 - £1,000,000      0.10%             0.75% (includes 0.65% bonus)
Over £1,000,000          0.10%             0.10% (no bonus is paid)

Interest paid monthly on the first business day of the month.

 

Find out more

Help to Buy: ISA
Balance
 AER p.a. (Variable) Tax-free p.a. (variable)
£1+ 2.00% 1.98%

Interest paid monthly on the first business day of the month

Find out more

Children's First Saver
Balance

AER/Gross pa (variable)
£1+ 0.75%

Interest is paid quarterly on the first business day in January, April, July and October and at account closure.

Find out more

First Reserve
Balance

AER/Gross pa (variable)
£1 - £49,999 0.10%
£50,000+ 0.25%

Interest is paid quarterly on the first business day in January, April, July and October and at account closure. 

Please note this account is no longer available to new customers.

Fixed Rate ISA accounts

Click to expand. All interest is paid annually on the first business day in April.

If you're on mobile, some of the tables will be clearer with your phone in landscape mode.

1 Year Fixed Rate ISAs
Issue
Number		 Term Start Date Term End Date Balance & Interest Rate
AER/Tax-free p.a.
176 14 August 2017 14 August 2018 £1,000 - £24,999 = 0.70%
      £25,000+ = 0.75%
178 11 September 2017 11 September 2018 £1,000 - £24,999 = 0.70%
      £25,000+ = 0.75%
180 16 October 2017 16 October 2018 £1,000 - £24,999 = 0.70%
      £25,000+ = 0.75%
182 20 November 2017 20 November 2018 £1,000 - £24,999 = 0.70%
      £25,000+ = 0.75%
184 11 December 2017 11 December 2018 £1,000 - £24,999 = 0.80%
      £25,000+ = 0.85%
186 15 January 2018 15 January 2019 £1,000 - £24,999 = 0.80%
      £25,000+ = 0.85%
188 12 February 2018 12 February 2019 £1,000 - £24,999 = 0.80%
      £25,000+ = 0.85%
190 12 March 2018 12 March 2019 £1,000 - £24,999 = 0.80%
      £25,000+ = 0.85%
192 09 April 2018 09 April 2019 £1,000 - £24,999 = 0.80%
      £25,000+ = 0.85%
194 14 May 2018 14 May 2019 £1,000 - £24,999 = 1.00%
      £25,000+ = 1.10%
196 11 June 2018 11 June 2019 £1,000 - £24,999 = 1.00%
      £25,000+ = 1.10%
198 9 July 2018 9 July 2019 £1,000 - £24,999 = 1.00%
      £25,000+ = 1.10%
200 13 August 2018 13 August 2019 £1,000 - £24,999 = 1.00%
      £25,000+ = 1.10%
202 10 September 2018 10 September 2019 £1,000 - £24,999 = 1.00%
      £25,000+ = 1.10%
Find out more

2 Year Fixed Rate ISAs

 

Issue Number Term Start Date Term End Date Balance & Interest Rate
AER/Tax-free p.a.
153 15 August 2016 15 August 2018 £1,000 - £24,999 = 1.00%
      £25,000+ = 1.10%
155 12 September 2016 12 September 2018 £1,000 - £24,999 = 0.95%
      £25,000+ = 1.00%
157 17 October 2016 17 October 2018 £1,000 - £24,999 = 0.85%
      £25,000+ = 0.90%
159 14 November 2016 14 November 2018 £1,000 - £24,999 = 0.75%
      £25,000+ = 0.85%
160 12 December 2016 12 December 2018 £1,000 - £24,999 = 0.60%
      £25,000+ = 0.65%
162 09 January 2017 09 January 2019 £1,000 - £24,999 = 0.60%
      £25,000+ = 0.65%
165 13 February 2017 13 February 2019 £1,000 - £24,999 = 0.60%
      £25,000+ = 0.65%
167 6 March 2017 6 March 2019 £1,000 - £24,999 = 0.60%
      £25,000+ = 0.65%
169 10 April 2017 10 April 2019 £1,000 - £24,999  = 0.60%
      £25,000+ = 0.65%
171 8 May 2017 8 May 2019 £1,000 - £24,999  = 0.80%
      £25,000+ = 0.85%
173 5 June 2017 5 June 2019 £1,000 - £24,999  = 0.80%
      £25,000+ = 0.85%
175 10 July 2017 10 July 2019 £1,000 - £24,999  = 0.80%
      £25,000+ = 0.85%
177 14 August 2017 14 August 2019 £1,000 - £24,999  = 0.80%
      £25,000+ = 0.85%
179 11 September 2017 11 September 2019 £1,000 - £24,999  = 0.80%
      £25,000+ = 0.85%
181 16 October 2017 16 October 2019 £1,000 - £24,999  = 0.80%
      £25,000+ = 0.85%
183 20 November 2017 20 November 2018 £1,000 - £24,999  = 0.80%
      £25,000+ = 0.85%
185 11 December 2017 11 December 2019 £1,000 - £24,999  = 0.90%
      £25,000+ = 0.95%
187 15 January 2018 15 January 2020 £1,000 - £24,999  = 0.90%
      £25,000+ = 0.95%
189 12 February 2018  12 February 2020 £1,000 - £24,999  = 0.90%
      £25,000+ = 0.95%
191 12 March 2018 12 March 2020 £1,000 - £24,999  = 0.90%
      £25,000+ = 0.95%
193 09 April 2018 09 April 2020 £1,000 - £24,999 = 0.90%
      £25,000+ = 0.95%
195 14 May 2018 14 May 2020 £1,000 - £24,999 = 1.15%
      £25,000+ = 1.25%
197 11 June 2018 11 June 2020 £1,000 - £24,999 = 1.15%
      £25,000+ = 1.25%
199 9 July 2018 9 July 2020 £1,000 - £24,999 = 1.15%
      £25,000+ = 1.25%
201 13 August 2018 13 August 2020 £1,000 - £24,999 = 1.15%
      £25,000+ = 1.25%
203 10 September 2018 10 September 2020 £1,000 - £24,999 = 1.15%
      £25,000+ = 1.25%
Find out more

Fixed Term savings accounts

Click to expand.

Your Issue Number can be found on the top of your Information Sheet or Certificate of Deposit.

Interest is paid on the first business day of every month and on the Maturity Date.

If you're on mobile, some of the tables will be clearer with your phone in landscape mode.

Fixed Term Savings - 1 Year
Issue
Number		 Maturity Date Balance Tier Annual Rate
of Interest
074 29 August 2018 £5,000 - £49,999 0.50%
    £50,000+ 0.55%
076 02 October 2018 £5,000 - £49,999 0.50%
    £50,000+ 0.55%
078 6 November 2018 £5,000 - £49,999 0.50%
    £50,000+ 0.55%
080 11 December 2018 £5,000 - £49,999 0.50%
    £50,000+ 0.55%
082 08 January 2019 £5,000 - £49,999 0.70%
    £50,000+ 0.75%
084 05 February 2019 £5,000 - £49,999 0.70%
    £50,000+ 0.75%
086 05 March 2019 £5,000 - £49,999 0.70%
    £50,000+ 0.75%
088 04 April 2019 £5,000 - £49,999 0.90%
    £50,000+ 0.95%
090 23 April 2019 £5,000 - £49,999 0.90%
    £50,000+ 0.95%
092 21 May 2019 £500 - £49,999 0.90%
    £50,000+ 0.95%
094 25 June 2019 £500 - £49,999 0.90%
    £50,000+ 0.95%
096 23 July 2019 £500 - £49,999 0.90%
    £50,000+ 0.95%
098 20 August 2019 £500 - £49,999 0.90%
    £50,000+ 0.95%
100 24 September 2019 £500 - £49,999 1.00%
    £50,000+ 1.10%

Fixed Term Savings - 2 Years
Issue
Number		 Maturity Date Balance Tier Annual Rate
of Interest
51 03 September 2018 £5,000 - £49,999 0.90%
    £50,000+ 1.00%
53 28 September 2018 £5,000 - £49,999 0.90%
    £50,000+ 1.00%
55 26 October 2018 £5,000 - £49,999 0.80%
    £50,000+ 0.85%
57 23 November 2018 £5,000 - £49,999 0.80%
    £50,000+ 0.85%
59 21 December 2018 £5,000 - £49,999 0.60%
    £50,000+ 0.65%
061 06 February 2019 £5,000 - £49,999 0.60%
    £50,000+ 0.65%
063 06 March 2019 £5,000 - £49,999 0.60%
    £50,000+ 0.65%
065 10 April 2019 £5,000 - £49,999 0.60%
    £50,000+ 0.65%
067 08 May 2019 £5,000 - £49,999 0.60%
    £50,000+ 0.65%
069 05 June 2019 £5,000 - £49,999 0.60%
    £50,000+ 0.65%
071 03 July 2019 £5,000 - £49,999 0.60%
    £50,000+ 0.65%
073 31 July 2019 £5,000 - £49,999 0.60%
    £50,000+ 0.65%
075 29 August 2019 £5,000 - £49,999 0.60%
    £50,000+ 0.65%
076 2 October 2019 £5,000 - £49,999 0.60%
    £50,000+ 0.65%
079 6 November 2019 £5,000 - £49,999 0.60%
    £50,000+ 0.65%
081 11 December 2019 £5,000 - £49,999 0.60%
    £50,000+ 0.65%
083 08 January 2020 £5,000 - £49,999 0.80%
    £50,000+ 0.85%
085 05 February 2020 £5,000 - £49,999 0.80%
    £50,000+ 0.85%
087 04 March 2020 £5,000 - £49,999 0.80%
    £50,000+ 0.85%
089 03 April 2020 £5,000 - £49,999 1.00%
    £50,000+ 1.06%
091 23 April 2020 £5,000 - £49,999 1.00%
    £50,000+ 1.06%
093 21 May 2020 £500 - £49,999 1.00%
    £50,000+ 1.06%
095 25 June 2020 £500 - £49,999 1.00%
    £50,000+ 1.06%
097 23 July 2020 £500 - £49,999 1.00%
    £50,000+ 1.06%
099 20 August 2020 £500 - £49,999 1.00%
    £50,000+ 1.06%
101 24 September 2020 £500 - £49,999 1.15%
    £50,000+ 1.25%

Fixed Term Savings Auto Reinvestment - 1 Year
Issue Number Maturity Date Balance Tier Annual Rate
of Interest
ARI 631 (048, ARI 610) 01 August 2018 £5,000 - £49,999 0.50%
    £50,000+ 0.55%
ARI 633 (050, 052, ARI 611, ARI 613) 10 October 2018 £5,000 - £49,999 0.50%
    £50,000+ 0.55%
ARI 636 (054, ARI 615) 29 November 2018 £5,000 - £49,999 0.50%
    £50,000+ 0.55%
ARI 638 (056, ARI 617) 06 December 2018 £5,000 - £49,999 0.70%
    £50,000+ 0.75%
ARI 640  (058) 27 December 2018 £5,000 - £49,999 0.70%
    £50,000+ 0.75%
ARI 640 (ARI 619) 09 January 2019 £5,000 - £49,999 0.70%
    £50,000+ 0.75%
ARI 641 (60 & ARI 621) 12 February 2019 £5,000 - £49,999 0.70%
    £50,000+ 0.75%
ARI 643 (62, ARI 622, ARI 623) 14 March 2019 £5,000 - £49,999 0.90%
    £50,000+ 0.95%
ARI 645 (64, ARI 625) 17 April 2019 £5,000 - £49,999 0.90%
    £50,000+ 0.95%
ARI 647 (066) 17 May 2019 £500 - £49,999 0.90%
    £50,000+ 0.95%
ARI 649 (ARI 627,068) 18 June 2019 £500 - £49,999 0.90%
    £50,000+ 0.95%
ARI 651 (ARI 070, 629, 072, 631) 14 Aug 2019 £500 - £49,999 0.90%
    £50,000+ 0.95%
ARI 653 (ARI 074) 11 Sep 2019 £500 - £49,999 1.00%
    £50,000+ 1.10%
0.90%

Fixed Term Savings Auto Reinvestment - 2 Years
Issue Number Maturity Date Balance Tier Annual Rate
of Interest
ARI 614 (004) 02 November 2018 £5,000 - £49,999 0.80%
    £50,000+ 0.85%
ARI 616 (006) 30 November 2018 £5,000 - £49,999 0.80%
    £50,000+ 0.85%
ARI 618 (008) 03 January 2019 £5,000 - £49,999 0.60%
    £50,000+ 0.65%
ARI 620 (010) 08 February 2019 £5,000 - £49,999 0.60%
    £50,000+ 0.65%
ARI 624 (012) 08 March 2019 £5,000 - £49,999 0.60%
    £50,000+ 0.65%
ARI 626 (014) 11 April 2019 £5,000 - £49,999 0.60%
    £50,000+ 0.65%
ARI 628 (016, 018) 05 June 2019 £5,000 - £49,999 0.60%
    £50,000+ 0.65%
ARI 630 (020) 28 June 2019 £5,000 - £49,999 0.60%
    £50,000+ 0.65%
ARI 632 (022) 26 July 2019 £5,000 - £49,999 0.60%
    £50,000+ 0.65%
ARI 634 (024, 026, 027) 04 October 2019 £5,000 - £49,999 0.60%
    £50,000+ 0.65%
ARI 635 (026) 04 October 2019 £5,000 - £49,999 0.60%
    £50,000 - £149,999 0.65%
    £150,000+ 1.25%
ARI 637 (029) 29 November 2019 £5,000 - £49,999 0.60%
    £50,000+ 0.65%
ARI 639 (031) 06 December 2019 £5,000 - £49,999 0.80%
    £50,000+ 0.85%
ARI 641 (033) 27 December 2019 £5,000 - £49,999 0.80%
    £50,000+ 0.85%
ARI 642 (035) 31 January 2020 £5,000 - £49,999 0.80%
    £50,000+ 0.85%
ARI  644 (037) 28 February 2020 £5,000 - £49,999 1.00%
    £50,000+ 1.05%
ARI 646 (39, 41) 15 April 2020 £5,000 - £49,999 1.00%
    £50,000+ 1.05%
ARI 648 (043, 045) 03 June 2020 £500 - £49,999 1.00%
    £50,000+ 1.05%
ARI 650 (ARI 047) 03 July 2020 £500 - £49,999 1.00%
    £50,000+ 1.05%
ARI 652 (ARI 049) 03 Aug 2020 £500 - £49,999 1.00%
    £50,000+ 1.05%
ARI 654 (ARI 051) 17 Sep 2020 £500 - £49,999 1.15%
    £50,000+ 1.25%

Fixed Rate Bond Auto Reinvestment - 1 Year
Issue
Number		 Relating to
Maturing Issues		 Maturity
Date		 Balance & Annual
Rate of Interest
ARI 70 738/609/705/
805/633		 24-Apr-18 £5,000 - £49,999 = 0.50%
      £50,000+ = 0.55%
ARI 72 741/611/707/
806/635/743/
709/745/711/
613/807/637		 20-Jun-18 £5,000 - £49,999 = 0.50%
      £50,000+ = 0.55%
ARI 74 639/747/615/
713/808/617/
715/641		 24-Aug-18 £5,000 - £49,999 = 0.50%
      £50,000+ = 0.55%
ARI 76 619/717/719/621/721 23-Oct-18 £5,000 - £49,999 = 0.50%
      £50,000+ = 0.55%
ARI 78 623/723/725/601/801/625 27/12/2018 £5,000 - £49,999 = 0.70%
      £50,000+ = 0.75%
ARI 80 728/603/802/701/627 22/01/2019 £5,000 - £49,999 = 0.70%
      £50,000+ = 0.75%
ARI 82 730/703/605/803/629/733 04-Mar-19 £5,000 - £49,999 = 090%
      £50,000+ = 0.95%

Interest is paid monthly or annually depending on what you selected when you opened the account. Monthly interest is paid on the last business day of every month and on the Maturity Date. Annual interest is paid on the last business day of April and on the Maturity Date.

Fixed Rate Bond Auto Reinvestment - 2 Years
Issue
Number		 Relating to
Maturing Issues		 Maturity
Date		 Balance & Annual
Rate of Interest
ARI 49 739/740/634 23-Apr-18 £5,000 - £49,999 = 0.90%
      £50,000+ = 1.00%
ARI 51 742/636/744 31-May-18 £5,000 - £49,999 = 0.90%
      £50,000+ = 1.00%
ARI 53 746/638 20-Jun-18 £5,000 - £49,999 = 0.90%
      £50,000+ = 1.00%
ARI 55 640/748 30-Jul-18 £5,000 - £49,999 = 0.90%
      £50,000+ = 1.00%
ARI 57 642 13-Aug-18 £5,000 - £49,999 = 0.90%
      £50,000+ = 1.00%
ARI 62 602 24-Dec-18 £5,000 - £49,999 = 0.60%
      £50,000+ = 0.65%
ARI 64 604/702 21-Jan-19 £5,000 - £49,999 = 0.60%
      £50,000+ = 0.65%
ARI 66 704/606 13-Feb-19 £5,000 - £49,999 = 0.60%
      £50,000+ = 0.65%
ARI 69 608 27-Mar-19 £5,000 - £49,999 = 0.60%
      £50,000+ = 0.65%
ARI 71 610/706 24-Apr-19 £5,000 - £49,999 = 0.60%
      £50,000+ = 0.65%
ARI 73 708/612/710/
712/614		 19-Jun-19 £5,000 - £49,999 = 0.60%
      £50,000+ = 0.65%
ARI 75 616/714/618/716 27-Aug-19 £5,000 - £49,999 = 0.60%
      £50,000+ = 0.65%
ARI 77 718/620/720/622/722 23-Oct-19 £5,000 - £49,999 = 0.60%
      £50,000+ = 0.65%
ARI 79 624/724/726/626/727 27-Dec-2019 £5,000 - £49,999 = 0.80%
      £50,000+ = 0.85%
ARI 81 628/729 22-Jan-2020 £5,000 - £49,999 = 0.80%
      £50,000+ = 0.85%
ARI 83 731/732/630/734 02-Mar-2020 £5,000 - £49,999 = 1.00%
      £50,000+ = 1.06%

Interest is paid monthly or annually depending on what you selected when you opened the account. Monthly interest is paid on the last business day of every month and on the Maturity Date. Annual interest is paid on the last business day of April and on the Maturity Date.

If you are coming to the end of your fixed term or would like to find out about our latest offerings, take a look here.

Business and Commercial accounts

Click to expand

Business Reserve
Balance Interest Rate from 6th November 2017
AER/Gross p.a. (variable)
£0-£999,999 0.05%
£1,000,000+ 
 0.15%

Interest paid monthly

Liquidity Manager 35 Day notice
Balance Interest Rate from 1st February 2018
AER/Gross p.a. (variable)

£0+ 0.30%

Interest paid monthly

Liquidity Manager 95 Day notice
Balance Interest Rate from 6th November 2017
AER/Gross p.a. (variable)

£0+ 0.40%

Interest paid monthly

Client Deposit Manager
Balance

Interest Rate from 6th November 2017

AER/Gross p.a. (variable)
£0-£999,999 0.05%
£1,000,000+ 0.15%

Interest paid quarterly

Your account may no longer be on sale, however you can find all our savings accounts and previous rates here.

 

Definitions:

Annual Equivalent Rate (AER). This is a notional rate used for interest bearing accounts which illustrates the interest rate if paid and compounded each year. It helps you to compare the effective rates of credit interest on different accounts.
Tax-free interest means interest payable is exempt from UK income tax.
Gross Rate. This means the interest rate you are paid without the deduction of income tax.
p.a. Per annum (per year)

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