Interest Rates FCA

Personal savings accounts

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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%

1.50%

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.

Instant Saver

Balance

AER/Gross pa (variable)

£1 - £24,999                    0.20%
£25,000 - £999,999     0.30%
£1,000,000+                           0.35%

Interest paid monthly on the first business day of the month

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          0.20%
£10,000 - £24,999     0.35%
£25,000 - £49,999     0.60%
£50,000+  0.85%

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 2017 & 5th May 2017. Bonus is fixed until 17th May 2019.

 

  On the first £20,000
Standard variable interest rate
including conditional bonus
of 0.75% tax-free p.a./ AER fixed
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 0.95% (including 0.75% bonus) N/A
£10,000 - £24,999 1.10% (including 0.75% bonus) 0.35%
£25,000 - £49,999 1.35% (including 0.75% bonus) 0.60%
£50,000 + 1.60% (including 0.75% bonus) 0.85%

 

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

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                0.20%             0.20% (no bonus is paid)
£25,000 - £49,999           0.20%             0.60% (includes 0.40% bonus)
£50,000 - £1,000,000      0.20%             0.85% (includes 0.65% bonus)
Over £1,000,000          0.35%             0.35% (no bonus is paid)

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

 

Help to Buy: ISA

Balance
AER p.a. (Variable) Tax-free p.a. (variable)
£1+ 2.50% 2.47%

Interest paid monthly on the first business day of the month

Children's First Saver

Balance

AER/Gross pa (variable)

£1+ 0.85%

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

First Reserve

Balance

AER/Gross pa (variable)

£1 - £24,999 0.20%
£25,000 - £999,999 0.30%
£1,000,000+ 0.35%

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.

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1 Year Fixed Rate ISAs

Issue
Number
Term Start Date Term End Date Balance & Interest Rate
AER/Tax-free p.a.
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%
204 15 October 2018 15 October 2019 £1,000 - £24,999 = 1.00%
      £25,000+ = 1.10%
206 12 November 2018 12 November 2019 £1,000 - £24,999 = 1.00%
      £25,000+ = 1.10%
208     10 December 2018 10 December 2019 £1,000 - £24,999 = 1.00%
      £25,000+ = 1.10%

2 Year Fixed Rate ISAs

 

Issue Number Term Start Date Term End Date Balance & Interest Rate
AER/Tax-free p.a.
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%
205 15 October 2018 15 October 2020 £1,000 - £24,999 = 1.15%
      £25,000+ = 1.25%
207 12 November 2018 12 November 2020 £1,000 - £24,999 = 1.15%
      £25,000+ = 1.25%
209 10 December 2018 10 December 2020 £1,000 - £24,999 = 1.15%
      £25,000+ = 1.25%

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.

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Fixed Term Savings - 1 Year

Issue
Number
Maturity Date Balance Tier Annual Rate
of Interest
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%
102 29 October 2019 £500 - £49,999 1.00%
    £50,000+ 1.10%
104 03 December 2019 £500 - £49,999 1.00%
    £50,000+ 1.10%
106 07 January 2020 £500 - £49,999 1.00%
    £50,000+ 1.10%

Fixed Term Savings - 2 Years

Issue
Number
Maturity Date Balance Tier Annual Rate
of Interest
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%
103 29 October 2020 £500 - £49,999 1.15%
    £50,000+ 1.25%
105 03 December 2020 £500 - £49,999 1.15%
    £50,000+ 1.25%
107 07 January 2021 £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 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%
ARI 655 (ARI 076, 633) 22 Oct 2019 £500 - £49,999 1.00%
    £50,000+ 1.10%
ARI 657 (ARI 078) 19 Nov 2019 £500 - £49,999 1.00%
    £50,000+ 1.10%
ARI 659 (ARI 636) 10 Dec 2019 £500 - £49,999 1.00%
    £50,000+ 1.10%
ARI 662 (ARI 638) 17 Dec 2019 £500 - £49,999 1.00%
    £50,000+ 1.10%
ARI 663 (ARI 080) 20 Dec 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+ 1.06%
ARI 646 (39, 41) 15 April 2020 £5,000 - £49,999 1.00%
    £50,000+ 1.06%
ARI 648 (043, 045) 03 June 2020 £500 - £49,999 1.00%
    £50,000+ 1.06%
ARI 650 (ARI 047) 03 July 2020 £500 - £49,999 1.00%
    £50,000+ 1.06%
ARI 652 (ARI 049) 03 Aug 2020 £500 - £49,999 1.00%
    £50,000+ 1.06%
ARI 654 (ARI 051) 17 Sep 2020 £500 - £49,999 1.15%
    £50,000+ 1.25%
ARI 656 (ARI 053, 612) 9 Oct 2020 £500 - £49,999 1.15%
    £50,000+ 1.25%
ARI 658 (ARI 055, 614) 13 Nov 2020 £500 - £49,999 1.15%
    £50,000+ 1.25%
ARI 660 (ARI 057)

04 Dec 2020 £500 - £49,999 1.15%
    £50,000+ 1.25%
ARI 661 (ARI 616)

11 Dec 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 1st October 2018
AER/Gross p.a. (variable)

£0-£999,999 0.20%
£1,000,000+ 
0.30%

Interest paid monthly

Liquidity Manager 35 Day notice

Balance Interest Rate from 1st October 2018
AER/Gross p.a. (variable)

£0+ 0.55%

Interest paid monthly

Liquidity Manager 95 Day notice

Balance Interest Rate from 1st October 2018
AER/Gross p.a. (variable)

£0+ 0.65%

Interest paid monthly

Client Deposit Manager

Balance

Interest Rate from 1st October 2018

AER/Gross p.a. (variable)

£0-£999,999 0.20%
£1,000,000+ 0.30%

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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