Interest rates

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You can check out our latest interest rates for our Savings accounts on this page. To view our previous rates, use the ‘Previous’ tab above.

Variable Rate Savings Accounts

Fixed Rate Savings Accounts

Savings Accounts No Longer Available to New Savers

Variable Rate Savings Accounts

Cash ISAAn ISA is an Individual Savings Account. They are a tax-efficient way to save money as you pay no tax on the money you put into an ISA or the interest you earn. There are two types of ISA – cash ISAs with a fixed or a variable interest rate. And stocks and shares ISAs where your money is usually invested in stocks and shares. You can invest up to £11,520 in an ISA in the 2013-14 tax year (6th April to 5th April). Up to £5,760 of this can be invested in a cash ISA (subject to any stocks and shares ISA contributions). You can only invest in one cash ISA and one stocks and shares ISA in each tax year. - Standard VariableA variable rate of interest can go up or down throughout the lifetime of a savings account. Rate (only applies to customers whose Fixed Rate Cash ISAAn ISA is an Individual Savings Account. They are a tax-efficient way to save money as you pay no tax on the money you put into an ISA or the interest you earn. There are two types of ISA – cash ISAs with a fixed or a variable interest rate. And stocks and shares ISAs where your money is usually invested in stocks and shares. You can invest up to £11,520 in an ISA in the 2013-14 tax year (6th April to 5th April). Up to £5,760 of this can be invested in a cash ISA (subject to any stocks and shares ISA contributions). You can only invest in one cash ISA and one stocks and shares ISA in each tax year. terms have ended)

  Minimum balance Current tax-freeTax-free means the interest paid will be free from Income Tax and Capital Gains Tax. The tax advantages depend on your individual circumstances and the tax treatment of your ISA may change in the future./AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year.
Interest rate £500 0.25%

Current rate effective 17/03/2009

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid annually in March.

Instant Saver Issue 4

  Minimum balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month bonus from account opening £500 1.35% 1.35%
After 12 months rate reverts to underlying rate £500 0.10% 0.10%

Current rates effective 04/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid annually in March.

Find out more

Easy Saver (only available to customers with a matured Growth Bond) - accounts opened on or after 07/03/2013

  Minimum balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month bonus from account opening £500 1.35% 1.35%
After 12 months rate reverts to underlying rate £500 0.10% 0.10%

Current rate effective 07/03/2013

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the anniversary of account opening (or closest business day)

Online Easy Saver Issue 2 (only available to customers with a matured Online Bond) – accounts opened on or after 21/03/2013

  Minimum balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month bonus from account opening £500 1.35% 1.35%
After 12 months rate reverts to underlying rate £500 0.10% 0.10%

Current rate effective 21/03/2013

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the anniversary of account opening (or closest business day) 

Reward Saver Issue 4 - annual interest

  Minimum balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month bonus from account opening £500 1.50% 1.50%
After 12 months rate reverts to underlying rate £500 1.25% 1.25%

Current rates effective 04/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the closest business day each month linked to the date of account opening.

Find out more

Reward Saver Issue 4 - monthly interest

  Minimum balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month bonus from account opening £500 1.50% 1.48%
After 12 months rate reverts to underlying rate £500 1.25% 1.24%

Current rates effective 04/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the closest business day each month linked to the date of account opening.

Find out more

Premier Cash ISAAn ISA is an Individual Savings Account. They are a tax-efficient way to save money as you pay no tax on the money you put into an ISA or the interest you earn. There are two types of ISA – cash ISAs with a fixed or a variable interest rate. And stocks and shares ISAs where your money is usually invested in stocks and shares. You can invest up to £11,520 in an ISA in the 2013-14 tax year (6th April to 5th April). Up to £5,760 of this can be invested in a cash ISA (subject to any stocks and shares ISA contributions). You can only invest in one cash ISA and one stocks and shares ISA in each tax year. (accounts opened on or after 04/02/2013)

  Minimum balance Current tax-freeTax-free means the interest paid will be free from Income Tax and Capital Gains Tax. The tax advantages depend on your individual circumstances and the tax treatment of your ISA may change in the future./AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year.
Including 18 month bonus from account opening £100  1.60%
After 18 months rate reverts to underlying rate £100  1.25%

Current rates effective 04/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid annually in March.

Find out more

Online Saver Issue 10 - annual interest

  Minimum balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month introductory bonus from account opening £1 1.50% 1.50%
After 12 months rate reverts to underlying rate £1 0.90% 0.90%

Current rates effective 14/03/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid between 20 and 25 March each year.

Find out more

Online Saver Issue 10 - monthly interest

  Minimum balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month introductory bonus from account opening £1 1.50% 1.48%
After 12 months rate reverts to underlying rate £1 0.90% 0.89%

Current rates effective 14/03/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the first business day of each month.

Find out more

Online Reserve Issue 4 (available by invitation only)

  Balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month bonus from account opening £1 - £49,999.99 1.30% 1.30%
£50,000+ 1.40% 1.40%
After 12 months rate reverts to underlying rate £1 - £49,999.99 0.90% 0.90%
£50,000+ 1.00% 1.00%

Current rate effective 14/03/2013

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid between 20 and 25 March each year

Fixed Rate Savings Accounts

Growth Bond Issue 20

  Minimum balance Current GrossGross rates are variable and do not take into account deductions of income tax./AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year.
1 year £500 1.90%
2 year £500 2.00%
3 year £500 2.10%

Current rates effective 22/04/2013.

Interest is fixed, calculated daily and paid on the anniversary of account opening (or closest business day).

Fixed Rate Cash ISAAn ISA is an Individual Savings Account. They are a tax-efficient way to save money as you pay no tax on the money you put into an ISA or the interest you earn. There are two types of ISA – cash ISAs with a fixed or a variable interest rate. And stocks and shares ISAs where your money is usually invested in stocks and shares. You can invest up to £11,520 in an ISA in the 2013-14 tax year (6th April to 5th April). Up to £5,760 of this can be invested in a cash ISA (subject to any stocks and shares ISA contributions). You can only invest in one cash ISA and one stocks and shares ISA in each tax year. Issue 10

  Minimum balance tax-freeTax-free means the interest paid will be free from Income Tax and Capital Gains Tax. The tax advantages depend on your individual circumstances and the tax treatment of your ISA may change in the future./AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year.
1 year £500 1.90%
2 year £500 2.00%
3 year £500 2.10%

Current rates effective 22/04/2013.

Interest is fixed, calculated daily and paid on the anniversary of account opening (or closest business day).

Savings Accounts No Longer Available to New Savers

Online Saver Issues 1 to 3 - annual interest

  Minimum balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax. New AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. (with effect 30/05/2013) New grossGross rates are variable and do not take into account deductions of income tax. (with effect 30/05/2013)
Including 12 month introductory bonus from account opening £1 n/a n/a n/a n/a
After 12 months rate reverts to underlying rate £1 1.15% 1.15% 0.90% 0.90%

If you have been offered a loyalty bonus, and would like to know your current rate, please call 0845Call costs may vary depending on your service provider. Calls may be monitored or recorded for training and compliance purposes. 602 3409*

Current rates effective 25/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid between 20 and 25 March each year.

Online Saver Issues 1 to 3 - monthly interest

  Minimum balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax. New AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. (with effect 30/05/2013) New grossGross rates are variable and do not take into account deductions of income tax. (with effect 30/05/2013)
Including 12 month introductory bonus from account opening £1 n/a n/a n/a n/a
After 12 months rate reverts to underlying rate £1 1.15% 1.14% 0.90% 0.89%

If you have been offered a loyalty bonus, and would like to know your current rate, please call 0845Call costs may vary depending on your service provider. Calls may be monitored or recorded for training and compliance purposes. 602 3409*

Current rates effective 25/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the first business day of each month.

Online Saver Issue 4 - annual interest

  Minimum balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax. New AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. (with effect 30/05/2013) New grossGross rates are variable and do not take into account deductions of income tax. (with effect 30/05/2013)
Including 12 month introductory bonus from account opening £1 2.51% 2.51% 2.26% 2.26%
After 12 months rate reverts to underlying rate £1 1.15% 1.15% 0.90% 0.90%

Current rates effective 25/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid between 20 and 25 March each year. 

Online Saver Issue 4 - monthly interest

  Minimum balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax. New AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. (with effect 30/05/2013) New grossGross rates are variable and do not take into account deductions of income tax. (with effect 30/05/2013)
Including 12 month introductory bonus from account opening £1 2.50% 2.47% 2.25% 2.22%
After 12 months rate reverts to underlying rate £1 1.15% 1.14% 0.90% 0.89%

Current rates effective 25/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the first business day of each month.

Online Saver Issue 5 - annual interest

  Minimum balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax. New AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. (with effect 30/05/2013) New grossGross rates are variable and do not take into account deductions of income tax. (with effect 30/05/2013)
Including 12 month introductory bonus from account opening £1 2.67% 2.67% 2.42% 2.42%
After 12 months rate reverts to underlying rate £1 1.15% 1.15% 0.90% 0.90%

Current rates effective 25/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid between 20 and 25 March each year.

Online Saver Issue 5 - monthly interest

  Minimum balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax. New AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. (with effect 30/05/2013) New grossGross rates are variable and do not take into account deductions of income tax. (with effect 30/05/2013)
Including 12 month introductory bonus from account opening £1 2.66% 2.63% 2.40% 2.38%
After 12 months rate reverts to underlying rate £1 1.15% 1.14% 0.90% 0.89%

Current rates effective 25/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the first business day of each month.

Online Saver Issue 6 - annual interest

  Minimum balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax. New AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. (with effect 30/05/2013) New grossGross rates are variable and do not take into account deductions of income tax. (with effect 30/05/2013)
Including 12 month introductory bonus from account opening £1 2.51% 2.51% 2.26% 2.26%
After 12 months rate reverts to underlying rate £1 1.15% 1.15% 0.90% 0.90%

Current rates effective 25/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid between 20 and 25 March each year.

Online Saver Issue 6 - monthly interest

  Minimum balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax. New AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. (with effect 30/05/2013) New grossGross rates are variable and do not take into account deductions of income tax. (with effect 30/05/2013)
Including 12 month introductory bonus from account opening £1 2.50% 2.47% 2.25% 2.22%
After 12 months rate reverts to underlying rate £1 1.15% 1.14% 0.90% 0.89%

Current rates effective 25/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the first business day of each month.

Online Saver Issue 7 - annual interest

  Minimum balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax. New AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. (with effect 30/05/2013) New grossGross rates are variable and do not take into account deductions of income tax. (with effect 30/05/2013)
Including 12 month introductory bonus from account opening £1 2.45% 2.45% 2.20% 2.20%
After 12 months rate reverts to underlying rate £1 1.15% 1.15% 0.90% 0.90%

Current rates effective 25/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid between 20 and 25 March each year.

Online Saver Issue 7 - monthly interest

  Minimum balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax. New AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. (with effect 30/05/2013) New grossGross rates are variable and do not take into account deductions of income tax. (with effect 30/05/2013)
Including 12 month introductory bonus from account opening £1 2.44% 2.41% 2.19% 2.16%
After 12 months rate reverts to underlying rate £1 1.15% 1.14% 0.90% 0.89%

Current rates effective 25/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the first business day of each month.

Online Saver Issue 8 - annual interest

  Minimum balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax. New AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. (with effect 30/05/2013) New grossGross rates are variable and do not take into account deductions of income tax. (with effect 30/05/2013)
Including 12 month introductory bonus from account opening £1 1.85% 1.85% 1.60% 1.60%
After 12 months rate reverts to underlying rate £1 1.15% 1.15% 0.90% 0.90%

Current rates effective 25/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid between 20 and 25 March each year.

Online Saver Issue 8 - monthly interest

  Minimum balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax. New AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. (with effect 30/05/2013) New grossGross rates are variable and do not take into account deductions of income tax. (with effect 30/05/2013)
Including 12 month introductory bonus from account opening £1 1.84% 1.83% 1.59% 1.58%
After 12 months rate reverts to underlying rate £1 1.15% 1.14% 0.90% 0.89%

Current rates effective 25/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the first business day of each month.

Online Saver Issue 9 - annual interest

  Minimum balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax. New AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. (with effect 30/05/2013) New grossGross rates are variable and do not take into account deductions of income tax. (with effect 30/05/2013)
Including 12 month introductory bonus from account opening £1 1.85% 1.85% 1.60% 1.60%
After 12 months rate reverts to underlying rate £1 1.15% 1.15% 0.90% 0.90%

Current rates effective 21/12/2012.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid between 20 and 25 March each year.

Online Saver Issue 9 - monthly interest

  Minimum balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax. New AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. (with effect 30/05/2013) New grossGross rates are variable and do not take into account deductions of income tax. (with effect 30/05/2013)
Including 12 month introductory bonus from account opening £1 1.85% 1.83% 1.59% 1.58%
After 12 months rate reverts to underlying rate £1 1.15% 1.14% 0.90% 0.89%

Current rates effective 21/12/2012.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the first business day of each month.

Cash ISAAn ISA is an Individual Savings Account. They are a tax-efficient way to save money as you pay no tax on the money you put into an ISA or the interest you earn. There are two types of ISA – cash ISAs with a fixed or a variable interest rate. And stocks and shares ISAs where your money is usually invested in stocks and shares. You can invest up to £11,520 in an ISA in the 2013-14 tax year (6th April to 5th April). Up to £5,760 of this can be invested in a cash ISA (subject to any stocks and shares ISA contributions). You can only invest in one cash ISA and one stocks and shares ISA in each tax year.

  Minimum balance Current tax-freeTax-free means the interest paid will be free from Income Tax and Capital Gains Tax. The tax advantages depend on your individual circumstances and the tax treatment of your ISA may change in the future./AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year.
Including 12 month introductory bonus from account opening £100 2.25%
After 12 months rate reverts to underlying rate £100 0.25%

All new deposits made in the 2012/13 and 2013/14 tax years will earn a 2% tax-freeTax-free means the interest paid will be free from Income Tax and Capital Gains Tax. The tax advantages depend on your individual circumstances and the tax treatment of your ISA may change in the future. bonus for 12 months from the date of the first deposit in the respective tax year. The bonus rate for future tax years may vary.

Current rates effective 10/08/2009.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid annually in March.

Reward Saver Issue 1 - annual interest

  Minimum balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month bonus from account opening £500 n/a n/a
After 12 months rate reverts to underlying rate £500 1.25% 1.25%

Current rates effective 01/03/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the anniversary of account opening (or closest business day).

Reward Saver Issue 1 - monthly interest

  Minimum balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month bonus from account opening £500 n/a n/a
After 12 months rate reverts to underlying rate £500 1.25% 1.24%

Current rates effective 01/03/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the closest business day each month linked to the date of account opening. 

Reward Saver Issue 2 - annual interest

  Minimum balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month bonus from account opening £500 2.50% 2.50%
After 12 months rate reverts to underlying rate £500 1.25% 1.25%

Current rates effective 01/03/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the anniversary of account opening (or closest business day).

Reward Saver Issue 2 - monthly interest

  Minimum balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month bonus from account opening £500 2.49% 2.46%
After 12 months rate reverts to underlying rate £500 1.25% 1.24%

Current rates effective 01/03/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the closest business day each month linked to the date of account opening.

Reward Saver Issue 3 - annual interest

  Minimum balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month bonus from account opening £500 2.00% 2.00%
After 12 months rate reverts to underlying rate £500 1.25% 1.25%

Current rates effective 01/03/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the closest business day each month linked to the date of account opening.

Reward Saver Issue 3 - monthly interest

  Minimum balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month bonus from account opening £500 1.99% 1.98%
After 12 months rate reverts to underlying rate £500 1.25% 1.24%

Current rates effective 01/03/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the closest business day each month linked to the date of account opening.

Premier Cash ISAAn ISA is an Individual Savings Account. They are a tax-efficient way to save money as you pay no tax on the money you put into an ISA or the interest you earn. There are two types of ISA – cash ISAs with a fixed or a variable interest rate. And stocks and shares ISAs where your money is usually invested in stocks and shares. You can invest up to £11,520 in an ISA in the 2013-14 tax year (6th April to 5th April). Up to £5,760 of this can be invested in a cash ISA (subject to any stocks and shares ISA contributions). You can only invest in one cash ISA and one stocks and shares ISA in each tax year. (accounts opened between 26/11/12 and 03/02/13)

  Minimum balance Current tax-freeTax-free means the interest paid will be free from Income Tax and Capital Gains Tax. The tax advantages depend on your individual circumstances and the tax treatment of your ISA may change in the future./AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year.
Including 18 month bonus from account opening £100  2.00%
After 18 months rate reverts to underlying rate £100  1.25%

Current rates effective 01/03/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid annually in March.

Premier Cash ISAAn ISA is an Individual Savings Account. They are a tax-efficient way to save money as you pay no tax on the money you put into an ISA or the interest you earn. There are two types of ISA – cash ISAs with a fixed or a variable interest rate. And stocks and shares ISAs where your money is usually invested in stocks and shares. You can invest up to £11,520 in an ISA in the 2013-14 tax year (6th April to 5th April). Up to £5,760 of this can be invested in a cash ISA (subject to any stocks and shares ISA contributions). You can only invest in one cash ISA and one stocks and shares ISA in each tax year. (accounts opened before 26/11/2012)

  Minimum balance Current tax-freeTax-free means the interest paid will be free from Income Tax and Capital Gains Tax. The tax advantages depend on your individual circumstances and the tax treatment of your ISA may change in the future./AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year.
Including 18 month bonus from account opening £100 2.51%
After 18 months rate reverts to underlying rate £100 1.25%

Current rates effective 01/03/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid annually in March.

Easy Saver (only available to customers with a matured Growth Bond) - accounts opened prior to 06/09/2011

  Minimum balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax.
Interest rate £500 0.10% 0.10%

Current rate effective 18/03/2009

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the anniversary of account opening (or closest business day)

Easy Saver (only available to customers with a matured Growth Bond) - accounts opened from 06/09/2011 to 06/03/2013

  Minimum balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month bonus from account opening £500 2.10% 2.10%
After 12 months rate reverts to underlying rate £500 0.10% 0.10%

Current rate effective 06/09/2011

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the anniversary of account opening (or closest business day)

Instant Saver Issue 1

  Minimum balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month bonus from account opening £500 n/a n/a
After 12 months rate reverts to underlying rate £500 0.10% 0.10%

Current rates effective 06/04/2009.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid annually in March.

Instant Saver Issue 2

  Minimum balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month bonus from account opening £500 n/a n/a
After 12 months rate reverts to underlying rate £500 0.10% 0.10%

Current rates effective 17/03/2009.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid annually in March.

Instant Saver Issue 3

  Minimum balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month bonus from account opening £500 2.10% 2.10%
After 12 months rate reverts to underlying rate £500 0.10% 0.10%

Current rates effective 10/08/2009.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid annually in March.

Online Easy Saver Issue 1 (only available to customers with a matured Online Bond) – accounts opened before 21/03/2013

  Minimum balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month bonus from account opening £500 2.10% 2.10%
After 12 months rate reverts to underlying rate £500 0.10% 0.10%

Current rate effective 06/09/2011

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the anniversary of account opening (or closest business day)

Online Reserve Issue 1 (available by invitation only)

  Balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax. New AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. (with effect 30/05/2013) New AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. (with effect 30/05/2013)
Including 12 month bonus from account opening £1 - £49,999.99 2.25% 2.25% 2.00% 2.00%
£50,000+ 2.35% 2.35% 2.10% 2.10%
After 12 months rate reverts to underlying rate £1 - £49,999.99 1.15% 1.15% 0.90% 0.90%
£50,000+ 1.25% 1.25% 1.00% 1.00%

Current rate effective 25/02/2013

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid between 20 and 25 March each year

Online Reserve Issue 2 (available by invitation only)

  Balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax. New AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. (with effect 30/05/2013) New AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. (with effect 30/05/2013)
Including 12 month bonus from account opening £1 - £49,999.99 1.85% 1.85% 1.60% 1.60%
£50,000+ 1.95% 1.95% 1.70% 1.70%
After 12 months rate reverts to underlying rate £1 - £49,999.99 1.15% 1.15% 0.90% 0.90%
£50,000+ 1.25% 1.25% 1.00% 1.00%

Current rate effective 17/01/2013

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid between 20 and 25 March each year

Online Reserve Issue 3 (available by invitation only)

  Balance Current AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Current grossGross rates are variable and do not take into account deductions of income tax. New AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. (with effect 30/05/2013)
New AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. (with effect 30/05/2013)
Including 12 month bonus from account opening £1 - £49,999.99 1.65% 1.65% 1.40% 1.40%
£50,000+ 1.75% 1.75% 1.50% 1.50%
After 12 months rate reverts to underlying rate £1 - £49,999.99 1.15% 1.15% 0.90% 0.90%
£50,000+ 1.25% 1.25% 1.00% 1.00%

Current rate effective 21/12/2012

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid between 20 and 25 March each year


Balances below the minimum specified do not accrue interest unless otherwise specified. All Cash ISAAn ISA is an Individual Savings Account. They are a tax-efficient way to save money as you pay no tax on the money you put into an ISA or the interest you earn. There are two types of ISA – cash ISAs with a fixed or a variable interest rate. And stocks and shares ISAs where your money is usually invested in stocks and shares. You can invest up to £11,520 in an ISA in the 2013-14 tax year (6th April to 5th April). Up to £5,760 of this can be invested in a cash ISA (subject to any stocks and shares ISA contributions). You can only invest in one cash ISA and one stocks and shares ISA in each tax year. balances accrue interest.

Online Saver, Online Bonds, Reward Saver, Growth Bonds, Instant Saver, Online Easy Saver, Online Reserve and Easy Saver are provided by Bank of Ireland UK. Premier Cash ISA, Cash ISA and Fixed Rate Cash ISA are provided by Family Investments and money is deposited with Bank of Ireland UK.

Definitions

0845: Local call rates apply. Call costs may vary depending on your service provider. Calls may be monitored or recorded for training and compliance purposes.

AER: AER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year.

Gross: Gross rates do not take into account deductions of income tax.

ISA: An ISA is an Individual Savings Account. They are a tax-efficient way to save money as you pay no tax on the money you put into an ISA or the interest you earn. There are two types of ISA – cash ISAs with a fixed or a variable interest rate. And stocks and shares ISAs where your money is usually invested in stocks and shares. You can invest up to £11,520 in an ISA in the 2013-14 tax year (6th April to 5th April). Up to £5,760 of this can be invested in a cash ISA (subject to any stocks and shares ISA contributions). You can only invest in one cash ISA and one stocks and shares ISA in each tax year.

Tax-free: Tax-free means the interest paid will be free from Income Tax and Capital Gains Tax.

Variable: A variable rate of interest can go up or down throughout the lifetime of a savings account.

Take a look at the previous rates we offered on our savings accounts.

Savings accounts no longer available to new savers

Savings accounts no longer available to new savers

Online Saver Issue 1 - annual interest

  Minimum balance Previous AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Previous grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month introductory bonus from account opening £1 n/a n/a
Underlying rate £1 1.65% 1.65%

If you have been offered a loyalty bonus, and would like to know your current rate, please call 0845Call costs may vary depending on your service provider. Calls may be monitored or recorded for training and compliance purposes. 602 3409.

Rates effective 20/10/2010 to 24/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid between 20 and 25 March each year.

Online Saver Issue 1 - monthly interest

  Minimum balance Previous AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Previous grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month introductory bonus from account opening  £1 n/a n/a
 Underlying rate  £1 1.65% 1.63%

If you have been offered a loyalty bonus, and would like to know your current rate, please call 0845Call costs may vary depending on your service provider. Calls may be monitored or recorded for training and compliance purposes. 602 3409.

Rates effective 20/10/2010 to 24/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the first business day of each month.

Online Saver Issue 2 - annual interest

  Minimum balance Previous AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Previous grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month introductory bonus from account opening £1 n/a n/a
After 12 months rate reverts to underlying rate £1 1.65% 1.65%

Rates effective 25/02/2011 to 24/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid between 20  and 25 March each year.

Online Saver Issue 2 - monthly interest

  Minimum balance Previous AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Previous grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month introductory bonus from account opening £1 n/a n/a
After 12 months rate reverts to underlying rate £1 1.65% 1.63%

Rates effective 25/02/2011 to 24/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the first business day of each month. 

Online Saver Issue 3 - annual interest

  Minimum balance Previous AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Previous grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month introductory bonus from account opening £1 n/a n/a
After 12 months rate reverts to underlying rate £1 1.65% 1.65%

Rates effective 17/05/2011 to 24/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid between 20 and 25 March each year.

Online Saver Issue 3 - monthly interest

  Minimum balance Previous AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Previous grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month introductory bonus from account opening £1 n/a n/a
After 12 months rate reverts to underlying rate £1 1.65% 1.63%

Rates effective 17/05/2011 to 24/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the first business day of each month.

Online Saver Issue 4 - annual interest

  Minimum balance Previous AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Previous grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month introductory bonus from account opening £1 3.01% 3.01%
After 12 months rate reverts to underlying rate £1 1.65% 1.65%

Rates effective 01/07/2011 to 24/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid between 20 and 25 March each year. 

Online Saver Issue 4 - monthly interest

  Minimum balance Previous AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Previous grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month introductory bonus from account opening £1 3.01% 2.96%
After 12 months rate reverts to underlying rate £1 1.65% 1.63%

Rates effective 01/07/2011 to 24/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the first business day of each month.

Online Saver Issue 5 - annual interest

  Minimum balance Previous AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Previous grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month introductory bonus from account opening £1 3.17% 3.17%
After 12 months rate reverts to underlying rate £1 1.65% 1.65%

Rates effective 25/05/2012 to 24/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid between 20 and 25 March each year.

Online Saver Issue 5 - monthly interest

  Minimum balance Previous AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Previous grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month introductory bonus from account opening £1 3.17% 3.12%
After 12 months rate reverts to underlying rate £1 1.65% 1.63%

Rates effective 25/05/2012 to 24/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the first business day of each month.

Online Saver Issue 6 - annual interest

  Minimum balance Previous AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Previous grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month introductory bonus from account opening £1 3.01% 3.01%
After 12 months rate reverts to underlying rate £1 1.65% 1.65%

Rates effective 19/06/2012 to 24/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid between 20 and 25 March each year.

Online Saver Issue 6 - monthly interest

  Minimum balance Previous AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Previous grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month introductory bonus from account opening £1 3.01% 2.96%
After 12 months rate reverts to underlying rate £1 1.65% 1.63%

Rates effective 19/06/2012 to 24/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the first business day of each month.

Online Saver Issue 7 - annual interest

  Minimum balance Previous AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Previous grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month introductory bonus from account opening £1 2.95% 2.95%
After 12 months rate reverts to underlying rate £1 1.65% 1.65%

Rates effective 04/09/2012 to 24/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid between 20 and 25 March each year.

Online Saver Issue 7 - monthly interest

  Minimum balance Previous AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Previous grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month introductory bonus from account opening £1 2.95% 2.91%
After 12 months rate reverts to underlying rate £1 1.65% 1.63%

Rates effective 04/09/2012 to 24/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the first business day of each month.

Online Saver Issue 8 - annual interest

  Minimum balance Previous AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Previous grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month introductory bonus from account opening £1 2.35% 2.35%
After 12 months rate reverts to underlying rate £1 1.65% 1.65%

Rates effective 19/10/2012 to 24/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid between 20 and 25 March each year.

Online Saver Issue 8 - monthly interest

  Minimum balance Previous AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Previous grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month introductory bonus from account opening £1 2.35% 2.32%
After 12 months rate reverts to underlying rate £1 1.65% 1.63%

Rates effective 19/10/2012 to 24/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the first business day of each month.

Cash ISAAn ISA is an Individual Savings Account. They are a tax-efficient way to save money as you pay no tax on the money you put into an ISA or the interest you earn. There are two types of ISA – cash ISAs with a fixed or a variable interest rate. And stocks and shares ISAs where your money is usually invested in stocks and shares. You can invest up to £11,520 in an ISA in the 2013-14 tax year (6th April to 5th April). Up to £5,760 of this can be invested in a cash ISA (subject to any stocks and shares ISA contributions). You can only invest in one cash ISA and one stocks and shares ISA in each tax year.

  Minimum balance Previous tax-freeTax-free means the interest paid will be free from Income Tax and Capital Gains Tax. The tax advantages depend on your individual circumstances and the tax treatment of your ISA may change in the future./AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year.
Including 12 month bonus from account opening £100 1.25%
After 12 months rate reverts to underlying rate £100 0.25%

All new deposits made in the 2012/13 and 2013/14 tax years will earn a 2% tax-freeTax-free means the interest paid will be free from Income Tax and Capital Gains Tax. The tax advantages depend on your individual circumstances and the tax treatment of your ISA may change in the future. bonus for 12 months from the date of the first deposit in the respective tax year. The bonus rate for future tax years may vary.

Rates effective 06/04/2009 to 09/08/2009.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid annually in March.

Reward Saver Issue 1 - annual interest

  Minimum balance Previous AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Previous grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month bonus from account opening £500 N/A N/A
After 12 months rate reverts to underlying rate £500 1.50% 1.50%

Rates effective 17/01/2013 to 28/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the anniversary of account opening (or closest business day).

Reward Saver Issue 1 - monthly interest

  Minimum balance Previous AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Previous grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month bonus from account opening £500 N/A N/A
After 12 months rate reverts to underlying rate £500 1.50% 1.48%

Rates effective 17/01/2013 to 28/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the closest business day each month linked to the date of account opening.

Reward Saver Issue 2 - annual interest

  Minimum balance Previous AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Previous grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month bonus from account opening £100 2.75% 2.75%
After 12 months rate reverts to underlying rate £100 1.50% 1.50%

Rates effective 17/01/2013 to 28/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the closest business day each month linked to the date of account opening.

Reward Saver Issue 2 - monthly interest

  Minimum balance Previous AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Previous grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month bonus from account opening £100 2.74% 2.71%
After 12 months rate reverts to underlying rate £100 1.50% 1.48%

Rates effective 17/01/2013 to 28/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the closest business day each month linked to the date of account opening.

Reward Saver Issue 3 - annual interest

  Minimum balance Previous AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Previous grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month bonus from account opening £100 2.25% 2.25%
After 12 months rate reverts to underlying rate £100 1.50% 1.50%

Rates effective 26/11/2012 to 28/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the closest business day each month linked to the date of account opening.

Reward Saver Issue 3 - monthly interest

  Minimum balance Previous AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Previous grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month bonus from account opening £100 2.25% 2.22%
After 12 months rate reverts to underlying rate £100 1.50% 1.48%

Rates effective 26/11/2012 to 28/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the closest business day each month linked to the date of account opening.

Online Easy Saver (only available to customers with a matured Growth Bond - accounts opened prior to 06/09/11)

  Minimum balance Previous AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Previous grossGross rates are variable and do not take into account deductions of income tax.
Interest rate £500 0.25% 0.25%

Rates effective 17/02/2009 to 17/03/2009.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid on the anniversary of account opening (or closest business day).

Premier Cash ISAAn ISA is an Individual Savings Account. They are a tax-efficient way to save money as you pay no tax on the money you put into an ISA or the interest you earn. There are two types of ISA – cash ISAs with a fixed or a variable interest rate. And stocks and shares ISAs where your money is usually invested in stocks and shares. You can invest up to £11,520 in an ISA in the 2013-14 tax year (6th April to 5th April). Up to £5,760 of this can be invested in a cash ISA (subject to any stocks and shares ISA contributions). You can only invest in one cash ISA and one stocks and shares ISA in each tax year. (accounts opened before 26/11/2012)

  Minimum balance Previous tax-freeTax-free means the interest paid will be free from Income Tax and Capital Gains Tax. The tax advantages depend on your individual circumstances and the tax treatment of your ISA may change in the future./AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year.
Including 18 month bonus from account opening £100  2.76%
After 18 months rate reverts to underlying rate £100  1.50%

Rates effective 17/01/2013 to 28/02/13.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid annually in March.

Premier Cash ISAAn ISA is an Individual Savings Account. They are a tax-efficient way to save money as you pay no tax on the money you put into an ISA or the interest you earn. There are two types of ISA – cash ISAs with a fixed or a variable interest rate. And stocks and shares ISAs where your money is usually invested in stocks and shares. You can invest up to £11,520 in an ISA in the 2013-14 tax year (6th April to 5th April). Up to £5,760 of this can be invested in a cash ISA (subject to any stocks and shares ISA contributions). You can only invest in one cash ISA and one stocks and shares ISA in each tax year. (accounts opened between 26/11/12 and 03/02/13)

  Minimum balance Previous tax-freeTax-free means the interest paid will be free from Income Tax and Capital Gains Tax. The tax advantages depend on your individual circumstances and the tax treatment of your ISA may change in the future./AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year.
Including 18 month bonus from account opening £100  2.25%
After 18 months rate reverts to underlying rate £100  1.50%

Rates effective 26/11/2012 to 28/02/2013.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid annually in March.

Instant Saver Issue 1

  Minimum balance Previous AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Previous grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month bonus from account opening £500 1.10% 1.10%
Underlying rate £500 0.10% 0.10%

Rates effective 06/04/2009 to 09/08/2009.

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid annually in March.

Online Reserve Issue 1 (available by invitation only)

  Balance Previous AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Previous grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month bonus from account opening £1 - £49,999.99 2.75% 2.75%
£50,000+ 2.85% 2.85%
After 12 months rate reverts to underlying rate £1 - £49,999.99 1.65% 1.65%
£50,000+ 1.75% 1.75%

Rates effective 05/09/2011 to 24/02/2013

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid between 20 and 25 March each year

Online Reserve Issue 2 (available by invitation only)

  Balance Previous AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. Previous grossGross rates are variable and do not take into account deductions of income tax.
Including 12 month bonus from account opening £1 - £49,999.99 2.10% 2.10%
£50,000+ 2.20% 2.20%
After 12 months rate reverts to underlying rate £1 - £49,999.99 1.40% 1.40%
£50,000+ 1.50% 1.50%

Rates effective 26/11/2012 - 16/01/2013

Interest is variableA variable rate of interest can go up or down throughout the lifetime of a savings account., calculated daily and paid between 20 and 25 March each year

Balances below the minimum specified do not accrue interest unless otherwise specified.

All Cash ISAAn ISA is an Individual Savings Account. They are a tax-efficient way to save money as you pay no tax on the money you put into an ISA or the interest you earn. There are two types of ISA – cash ISAs with a fixed or a variable interest rate. And stocks and shares ISAs where your money is usually invested in stocks and shares. You can invest up to £11,520 in an ISA in the 2013-14 tax year (6th April to 5th April). Up to £5,760 of this can be invested in a cash ISA (subject to any stocks and shares ISA contributions). You can only invest in one cash ISA and one stocks and shares ISA in each tax year. balances accrue interest.

Online Saver, Online Bonds, Reward Saver, Growth Bonds, Instant Saver, Online Easy Saver, Online Reserve and Easy Saver are provided by Bank of Ireland UK. Premier Cash ISA, Cash ISA and Fixed Rate Cash ISA are provided by Family Investments and money is deposited with Bank of Ireland UK.