Interest Rates FCA

Savings Interest Rates

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Personal 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. If, for example, you hold £11,000 in your account, and you have satisfied the interest condition, your interest rates for that monthly period will be: 1.50% on the first £5,000, 1.50% on the next £5,001-£10,000 and 0.20% on anything over £10,000.

 

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 is paid on a tiered basis which means you’ll earn one rate on your entire account balance. If, for example, you hold £150,000 in your account and you have satisfied the bonus condition, your interest rate for that monthly bonus period will be 0.85% AER/Gross p.a. on your entire account balance.

 

Instant Saver

Balance AER/Gross p.a. (variable)
£1 - £24,999 0.20%
£25,000 -£999,999 0.30%
£1,000,000+ 0.35%

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

Instant Access ISA

Interest rates without bonus:

Balance Tax-free p.a./AER (variable)
£1 -£24,999 0.35%
£25,000+ 0.85%

Interest is calculated daily and paid into your account annually on the first business day in April and at account closure.

 

Interest rates with bonus:

Bonus applies for customers who grew their Instant Access ISA balance by £20,000 or more between 6th April & 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. / AER(variable) Tax-free p.a./AER
(variable)
£1 - £24,999 1.10% (including 0.75% bonus) 0.35%
£25,000 + 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. 

 

First Saver

 

Balance

 

AER/Gross p.a. (variable)

£1 +  0.85%

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

Rainbow Savings (no longer available to new customers)

 

Balance

 

AER/Gross p. a. (variable)

£1 + 0.75%

Interest paid annually

Savings account ( No longer available to new customers )

 

Balance

 

AER/Gross p.a. (variable)

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

Interest paid annually

Instant Access Savings Account (Offset, no longer available to new customers )

 

Balance

 

AER/Gross p.a. (variable)

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

You will only start to receive interest on any money in your Instant Access Savings Account when your offset savings (and any offset current account) balance is more than your Offset Flexible Mortgage balance. Any interest payable will be calculated daily and paid monthly.

Fixed Rate ISA accounts

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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 / End Date Balance & Interest Rate
AER/Tax-free p.a.
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%
210 14 January 2019 - 14 January 2020 £1,000 - £24,999 = 1.00%
    £25,000+ = 1.10%
£1,000 - £24,999 = 0.70%

2 Year Fixed Rate ISAs

Issue
Number
Term Start Date / Term End Date Balance & Interest Rate
AER/Tax-free p.a.
160 12 December 2016 - 12 December 2018 £1,000 - £24,999 = 0.60%
    £25,000+ = 0.65%
162 9 January 2017 - 9 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 9 April 2018 - 9 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 - 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%
211 14 January 2019 - 14 January 2021 £1,000 - £24,999 = 1.15%
    £25,000+ = 1.25%

Fixed Term savings accounts

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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 3 December 2019 £500 - £49,999 1.00%
    £50,000+ 1.10%
106 7 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%
077 02 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 3 December 2020 £500 - £49,999 1.15%
    £50,000+ 1.25%
107 7 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 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 August 2019 £500 - £49,999 0.90%
    £50,000+ 0.95%
ARI 653 (ARI 074) 11 September 2019 £500 - £49,999 1.00%
    £50,000+ 1.10%
ARI 655 (ARI 076, 633) 22 October 2019 £500 - £49,999 1.00%
    £50,000+ 1.10%
ARI 657 (ARI 078) 19 November 2019 £500 - £49,999 1.00%
    £50,000+ 1.10%
ARI 659 (ARI 636) 10 December 2019 £500 - £49,999 1.00%
    £50,000+ 1.10%
ARI 662 (ARI 638) 17 December 2019 £500 - £49,999 1.00%
    £50,000+ 1.10%
ARI 663 (ARI 080) 20 December 2019 £500 - £49,999 1.00%
    £50,000+ 1.10%
ARI 664 (ARI 640, 082) 17 January 2020 1.10%
1.00%
    £50,000+
1.10%

Fixed Term Savings Auto Reinvestment - 2 Years

Issue
Number
Maturity Date Balance Tier Annual Rate
of Interest
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 - £149,999 0.65%
ARI 639 (031) 06 December 2019 £5,000 - £49,999 0.80%
    £50,000 - £149,999 0.85%
ARI 641 (033) 27 December 2019 £5,000 - £49,999 0.80%
    £50,000+ 0.85%
ARI 642 (35) 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 652 (ARI 049) 03 August 2020 £500 - £49,999 1.00%
    £50,000+ 1.06%
ARI 654 (ARI 051) 17 September 2020 £500 - £49,999 1.15%
    £50,000+ 1.25%
ARI 656 (ARI 053, 612) 09 October 2020 £500 - £49,999 1.15%
    £50,000+ 1.25%
ARI 658 (ARI 055, 614) 13 November 2020 £500 - £49,999 1.15%
    £50,000+ 1.25%
ARI 660 (ARI 057) 04 December 2020 £500 - £49,999 1.15%
    £50,000+ 1.25%
ARI 661 (ARI 616) 11 December 2020 £500 - £49,999 1.15%
    £50,000+ 1.25%
ARI 665 (ARI 618, 059) 11 January 2021 £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 61 601/801/625 27-Dec-17 £5,000 - £49,999 = 0.50%
      £50,000+ = 0.55%
ARI 63 728/603/802/
701/627
22-Jan-18 £5,000 - £49,999 = 0.50%
      £50,000+ = 0.55%
ARI 65 730/703/605/803 15-Feb-18 £5,000 - £49,999 = 0.50%
      £50,000+ = 0.55%
ARI 67 629/733 02-Mar-18 £5,000 - £49,999 = 0.50%
      £50,000+ = 0.55%
ARI 68 735/631/607/
804
29-Mar-18 £5,000 - £49,999 = 0.50%
      £50,000+ = 0.55%
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-Dec-18 £5,000 - £49,999 = 0.70%
      £50,000+ = 0.75%
ARI 80 728/603/802/701/627 22-Jan-19 £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 37 624/724/726 04-Dec-17 £5,000 - £49,999 = 1.15%
      £50,000+ = 1.25%
ARI 39 626/727 27-Dec-17 £5,000 - £49,999 = 1.10%
      £50,000+ = 1.20%
ARI 41 628/729 22-Jan-18 £5,000 - £49,999 = 1.10%
      £50,000+ = 1.20%
ARI 43 731/732 15-Feb-18 £5,000 - £49,999 = 1.10%
      £50,000+ = 1.20%
ARI 45 630/734 02-Mar-18 £5,000 - £49,999 = 1.10%
      £50,000+ = 1.20%
ARI 47 736/737/632 26-Mar-18 £5,000 - £49,999 = 1.00%
      £50,000+ = 1.10%
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-19 £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.

Business and Commercial accounts

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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

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