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Your savings rates

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Select the instant savings account you're looking for below to find your interest rate and any other details you need. 

 

Accordion

Icon expand Instant Saver

Current Interest Rates

 

Balance

AER (variable)

Gross Rate % p.a. (variable)

Net Rate % p.a.

£25,000 + 0.75% 0.75% 0.60%
£1 - £24,999 0.50% 0.50% 0.40%

Interest paid annually.

Last updated on 3 February 2014

Accordion

Icon expand Instant Saver

Previous Interest Rates

Interest rates effective until 4 April 2014 for accounts opened before 3 February 2014.

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£100,000+ 1.00% 1.00% 0.80%
£25,000 - £99,999 0.70% 0.70% 0.56%
£1 - £24,999 0.50% 0.50% 0.40%

Interest paid annually. 
Last updated on: 28 January 2013.

Accounts no longer available to new customers. 

 

 

Accordion

Icon expand Bonus 30 Account

Current Interest Rates

 

Excluding bonus

 

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£100,000+

0.30%

0.30%

0.24%

£1 - £99,999

0.20%

0.20%

0.16%


Interest paid annually.
Note: withdrawals require 30 day notice.
Last updated on: 24 Jul 2009.

 

 

Including a bonus of 1.00% gross p.a. (variable)

 

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£100,000+

1.30%

1.30%

1.04%

£1 - £99,999

1.20%

1.20%

0.96%

Interest paid annually.
Last updated on: 2 Feb 2009.

*A bonus of 1.00% gross per annum is paid annually on the last business day of March (where you have made no more than 4 withdrawals during the annual period) and is calculated on the daily cleared credit balance for that annual period (starting on the last business day of April).

 

Accordion

Icon expand Bonus 30 Account

Previous Interest Rates

 

Excluding bonus

 

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£1 +

0.20%

0.20%

0.16%


Interest paid annually.
Note: withdrawals require 30 day notice.
Last updated on: 12 May 2009.

 

 

Including a bonus of 1.00% gross p.a. (variable)

 

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£1 +

1.20%

1.20%

0.96%

Interest paid annually.
Last updated on: 12 May 2009.

 

Accordion

Icon expand Direct Saver Plus

Current Interest Rates

Monthly Interest

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£5,000 +

0.50%

0.50%

0.40%

£1 - £4,999

0.10%

0.10%

0.08%

Internet and telephone based account only. Interest is calculated daily and paid on the first business day of the month. Interest rates are subject to variation

Last updated on: 24 Jul 2009.

Accordion

Icon expand e-Savings

Current Interest Rates

Amount AER % (variable) Gross Rate % (variable) Na Rate % p.a.
£25,000+ 0.75% 0.75% 0.60%
£1 - £24,999 0.50% 0.50% 0.40%

Interest paid annually

Last updated on: 1 July 2014

 

Accordion

Icon expand e-Savings

Previous Interest Rates

Amount AER % (variable) Gross Rate % p.a. (variable) Net Rate % p.a.
£1+ 1.00% 1.00% 0.80%

Interest paid annually.

Last updated on: 1 July 2014

Accordion

Icon expand First Home Saver

Current Interest Rates

Excluding Conditional Bonus (Annual Interest)

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

Tracking Rate -% below Bank of England Base Rate

£50,000 + 0.50% 0.50% 0.40% 1.25%
£25,000 - £49,999 0.50% 0.50% 0.40% 1.50%
£10,000 - £24,999 0.25% 0.25% 0.20% 1.75%
£5,000 - £9,999 0.25% 0.25% 0.20% 2.35%
£500 - £4,999 0.10% 0.10% 0.08% 2.60%

£1+

0.10% 0.10% 0.08% N/A


Interest paid annually.
Last updated on: 2 Jan 2009.

We calculate interest on a daily basis. We add this interest to your account (or to another account at the same branch) every year on the last business day of March. The tracking rate only applies to interest on balances of £500 or more until 3 August 2011.

Our Tracking Rates apply to all accounts with balances of £500 or more until the level of Bank of England Base Rate is such that no credit interest would be payable. In these circumstances the rates as outlined in column 1 (Gross Rate p.a./AER %) will be applied.Cashback

Including 1.50% Conditional Bonus (Annual Interest)
 
Tax-free Cashback
 

Amount

Cashback

Over £50,000

£5,000

Up to £50,000

£2,500

Up to £25,000

£1,000

Up to £10,000

£500

£500 to £5,000

£100

Interest paid annually
Last updated on: 2 Jan 2009

Cashback is paid provided the terms and conditions of the First Home Saver are met. The amount of cashback is based on the lowest savings balance in the 6 months before the mortgage is drawn down. It is exempt from tax as it falls within HM Revenue and Customs Statement of Practice SP4/97.

Accordion

Icon expand First Home Saver

Previous Interest Rates

 

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

Tracking Rate -% below Bank of England Base Rate

£50,000 +

0.75%

0.75%

0.60%

N/A

£25,000 - £49,999

0.50%

0.50%

0.40%

N/A

£10,000 - £24,999

0.25%

0.25%

0.20%

N/A

£5,000 - £9,999

0.20%

0.20%

0.16%

N/A

£500 - £4,999

0.20%

0.20%

0.16%

N/A

£1 - £499

0.20%

0.20%

0.16%

N/A

Interest paid annually.
Last updated on: 2 Jan 2009.

We calculate interest on a daily basis. We add this interest to your account (or to another account at the same branch) every year on the last business day of March. The tracking rate only applies to interest on balances of £500 or more until 3 August 2011.

Our Tracking Rates apply to all accounts with balances of £500 or more until the level of Bank of England Base Rate is such that no credit interest would be payable. In these circumstances the rates as outlined in column 1 (Gross Rate p.a./AER %) will be applied.



Including 1.50% Conditional Bonus (Annual Interest)

Tax-free CashbackAmount

Cashback

Over £50,000

£5,000

Up to £50,000

£2,500

Up to £25,000

£1,000

Up to £10,000

£500

£500 to £5,000

£100

Cashback is paid provided the terms and conditions of the First Home Saver are met. The amount of cashback is based on the lowest savings balance in the 6 months before the mortgage is drawn down. It is exempt from tax as it falls within HM Revenue and Customs Statement of Practice SP4/97.

Accordion

Icon expand Instant Savings Tracker

Current Interest Rates

 
 
Amount AER Gross Rate % p.a. Net Rate % p.a. Tracking Rate -% below Bank of England Base Rate^
£50,000 + 0.50% 0.50% 0.40% 1.25%
£25,000 - £49,999 0.50% 0.50% 0.40% 1.50%
£10,000 - £24,999 0.25% 0.25% 0.20% 1.75%
£5,000 - £9,999 0.25% 0.25% 0.20% 2.35%
£500 - £4,999 0.10% 0.10% 0.08% 2.60%
£1 - £499 0.10% 0.10% 0.08% N/A

Interest paid annually.

Last updated on: 2 Jan 2009.

We calculate interest on a daily basis. We add this interest to your account (or to another account at the same branch) every year on the last business day of March. The tracking rate only applies to interest on balances of £500 or more until 3 August 2011.

Our Tracking Rates apply to all accounts with balances of £500 or more until the level of Bank of England Base Rate is such that no credit interest would be payable. In these circumstances the rates as outlined in column 1 (Gross Rate p.a./AER %) will be applied.

 
Accordion

Icon expand Instant Savings Tracker

Previous Interest Rates

 
 
Amount AER Gross Rate % p.a. Net Rate % p.a. Tracking Rate -% below Bank of England Base Rate^
£50,000 + 0.75% 0.75% 0.60% N/A
£25,000 - £49,999 0.50% 0.50% 0.40% N/A
£10,000 - £24,999 0.25% 0.25% 0.20% N/A
£5,000 - £9,999 0.20% 0.20% 0.16% N/A
£500 - £4,999 0.20% 0.20% 0.16% N/A
£1 - £499 0.20% 0.20% 0.16% N/A

Interest paid annually.

Last updated on: 2 Jan 2009.

We calculate interest on a daily basis. We add this interest to your account (or to another account at the same branch) every year on the last business day of March. The tracking rate only applies to interest on balances of £500 or more until 3 August 2011.

Our Tracking Rates apply to all accounts with balances of £500 or more until the level of Bank of England Base Rate is such that no credit interest would be payable. In these circumstances the rates as outlined in column 1 (Gross Rate p.a./AER %) will be applied.

 
Accordion

Icon expand Postal Plus / Phone Plus / Special Edition

Current Interest Rates

Amount AER Gross Rate % p.a. Net Rate % p.a.
£50,000 + 0.10% 0.10% 0.08%
£25,000 - £49,999 0.10% 0.10% 0.08%
£1+ 0.10% 0.10% 0.08%

Interest paid annually.

Amount AER Gross Rate % p.a. Net Rate % p.a.
£50,000 + 0.10% 0.10% 0.08%
£25,000 - £49,999 0.10% 0.10% 0.08%
£1+ 0.10% 0.10% 0.08%
 

Interest paid annually.

Accordion

Icon expand Postal Plus / Phone Plus / Special Edition

Previous Interest Rates

 

Amount AER Gross Rate % p.a. Net Rate % p.a.
£1+ 0.10% 0.10% 0.08%

Interest paid annually.

Accordion

Icon expand Primary Savings Account

Current Interest Rates

 


Amount AER Gross Rate % p.a. Net Rate % p.a.
£1 + 0.10% 0.10% 0.08%

Interest paid monthly.

Last updated on: 28 Jul 2011.

Accordion

Icon expand Private Banking Deposit Account

Current Interest Rates

 

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£1,000,000 +

1.00%

1.00%

0.80%

£100,000 - £999,999

0.55%

0.55%

0.44%

£50,000 - £99,999

0.30%

0.30%

0.24%

£25,000 - £49,999

0.20%

0.20%

0.16%

£10,000 - £24,999

0.20%

0.20%

0.16%

£1 - £9,999

0.20%

0.20%

0.16%

Interest paid monthly.
Last updated on: 2 Mar 2009.

Accordion

Icon expand Private Banking Deposit Account

Previous Interest Rates

 

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£1,000,000 +

1.50%

1.49%

1.19%

£100,000 - £999,999

1.04%

1.04%

0.83%

£50,000 - £99,999

0.80%

0.80%

0.64%

£25,000 - £49,999

0.55%

0.55%

0.44%

£10,000 - £24,999

0.30%

0.30%

0.24%

£1 - £9,999

0.20%

0.20%

0.16%

Interest paid monthly.
Last updated on: 2 Mar 2009.

Accordion

Icon expand Royalties Private Saver

Current Interest Rates

 

Excluding any Conditional Bonus (Monthly Interest)

 

Amount AER% (Variable) Gross Rate % p.a. (Variable) Net Rate % p.a.
£250,000 + 1.40% 1.39% 1.11%
£100,000 - £249,999 1.20% 1.19% 0.95%
£50,000 - £99,999 0.99% 0.99% 0.79%
£25,000 - £49,999 0.75% 0.75% 0.60%
£10,000 - £24,999 0.50% 0.50% 0.40%
£1 - £9,999 0.10% 0.10% 0.08%

Interest paid monthly.

Last updated on: 1 Apr 2009.

We calculate interest on a daily basis. We add this interest to your account (or to another account held at the same branch) every month.

 

Including 0.25% conditional bonus
 
Amount AER% (Variable) Gross Rate % p.a. (Variable) Net Rate % p.a.
£250,000 + 1.65% 1.64% 1.31%
£100,000 - £249,999 1.45% 1.44% 1.15%
£50,000 - £99,999 1.25% 1.24% 0.99%
£25,000 - £49,999 1.00% 1.00% 0.80%
£10,000 - £24,999 0.75% 0.75% 0.50%
£1 - £9,999 0.10% 0.10% 0.08%

Interest paid monthly.

Last updated on: 1 Apr 2009.

A conditional bonus equivalent to 0.25% gross p.a. (variable) is payable with your monthly interest, if you do not make any withdrawals and maintain a minimum balance of £10,000 in your account during that month.

Accordion

Icon expand Royalties Private Saver

Previous Interest Rates

 
Excluding any Conditional Bonus (Monthly Interest)

 

Amount AER% (Variable) Gross Rate % p.a. (Variable) Net Rate % p.a.
£250,000 + 1.50% 1.49% 1.19%
£100,000 - £249,999 1.25% 1.24% 0.99%
£50,000 - £99,999 0.99% 0.99% 0.79%
£25,000 - £49,999 0.75% 0.75% 0.60%
£10,000 - £24,999 0.50% 0.50% 0.40%
£1 - £9,999 0.10% 0.10% 0.08%

Interest paid monthly.

Last updated on: 1 Apr 2009.

We calculate interest on a daily basis. We add this interest to your account (or to another account held at the same branch) every month.

 

Including 0.25% conditional bonus

 

Amount AER% (Variable) Gross Rate % p.a. (Variable) Net Rate % p.a.
£250,000 + 1.75% 1.74% 1.39%
£100,000 - £249,999 1.50% 1.49% 1.19%
£50,000 - £99,999 1.25% 1.24% 0.99%
£25,000 - £49,999 1.00% 1.00% 0.80%
£10,000 - £24,999 0.75% 0.75% 0.60%
£1 - £9,999 0.10% 0.10% 0.08%

Interest paid monthly.

Last updated on: 1 Apr 2009.

A conditional bonus equivalent to 0.25% gross p.a. (0.20% net p.a.) is payable with your monthly interest, if you do not make any withdrawals and maintain a minimum balance of £10,000 in your account during that month.

Accordion

Icon expand Royalties Saver Account

Current Interest Rates

 

 
Amount AER Gross Rate % p.a. Net Rate % p.a.
£100,000 + 1.20% 1.20% 0.96%
£50,000 - £99,999 0.90% 0.90% 0.72%
£25,000 - £49,999 0.70% 0.70% 0.56%
£2,000 - £24,999 0.40% 0.40% 0.32%
£1 - £1,999 0.10% 0.10% 0.08%

Interest paid annually.

Last updated on: 1 Apr 2009.

We calculate interest on a daily basis. We add this interest to your account (or to another account held at the same branch) annually on the first business day of April. This account is only available to Royalties Gold account holders.

 

 

 

Accordion

Icon expand Royalties Saver Account

Previous Interest Rates

 

 

Amount AER Gross Rate % p.a. Net Rate % p.a.
£100,000 + 1.25% 1.25% 1.00%
£50,000 - £99,999 1.00% 1.00% 0.80%
£25,000 - £49,999 0.75% 0.75% 0.60%
£2,000 - £24,999 0.50% 0.50% 0.40%
£1 - £1,999 0.10% 0.10% 0.08%

Interest paid annually.

Last updated on: 1 Apr 2009.

We calculate interest on a daily basis. We add this interest to your account (or to another account held at the same branch) annually on the first business day of April. This account is only available to Royalties Gold account holders.

 

Accordion

Icon expand Savings Accelerator Account

Current Interest Rates

 

Amount AER Gross Rate % p.a. Net Rate % p.a.
£1 + 0.20% 0.20% 0.16%

Interest paid quarterly.

Last updated on: 18 May 2009.

Accordion

Icon expand Savings Account

Current Interest Rates

 

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£1+

0.10%

0.10%

0.08%

Interest paid annually.

Accordion

Icon expand Savings Account

Previous Interest Rates

 

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£1+

0.55%

0.55%

0.44%

Interest paid annually.

Accordion

Icon expand Telephone Saver

Current Interest Rates

Account no longer available to new customers
  

 
 

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£50,000 +

0.65%

0.65%

0.52%

£10,000 - £49,999

0.30%

0.30%

0.24%

£1 - £9,999

0.10%

0.10%

0.08%


Interest paid annually.
Last updated on: 24 Jul 2009.

Accordion

Icon expand Telephone Saver

Previous Interest Rates

Account no longer available to new customers
  

 
 

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£50,000 +

0.90%

0.90%

0.72%

£10,000 - £49,999

0.50%

0.50%

0.40%

£1 - £9,999

0.25%

0.25%

0.20%


Interest paid annually.
Last updated on: 1 Apr 2009.

 

 

 

 

Helpful Banking

Protecting your money

Your eligible deposits with RBS are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit protection scheme. This limit is applied to the total of any deposits you have with the following: The Royal Bank of Scotland, Direct Line, the One Account, Child & Co, Drummonds and Holt's. Any total deposits you hold above the £85,000 limit between these brands are not covered.

Further information is available here or visit www.fscs.org.uk.

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