Interest rates

Available Variable Rate Saving Accounts

Easy Saver

Issue 7 Current AER Current gross
Interest rate 0.10% 0.10%

 

Current rates effective 04/11/2016

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

Instant Saver

Issue 9 Current AER Current gross
Including 12 month bonus from account opening 0.55% 0.55%
After 12 months rate reverts to underlying rate 0.10% 0.10%

 

Current rates effective 22/08/2016

Interest is variable, calculated daily and paid annually in March.

Loyalty Bond Holding Account

  Current AER Current gross
Interest rate 0.10% 0.10%

 

Current rates effective 17/03/2009

Interest is variable, calculated daily and paid when funds are transferred into the Loyalty Bond.

Online Easy Saver

Issue 7 Current AER Current gross
Interest rate 0.10% 0.10%

 

Current rates effective 04/11/2016

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

Online ISA Easy Access

Issue 8 Current AER Current tax-free
Including 12 month bonus from account opening 0.85% 0.85%
After 12 months rate reverts to underlying rate 0.25% 0.25%

 

Current rates effective 16/08/2016

Interest is variable, calculated daily and paid annually in March.

Online ISA Holding Account

  Current AER Current tax-free
Interest rate 0.25% 0.25%

 

Current rates effective 05/09/2016

Interest is variable, calculated daily and paid annually in March.

Online Saver

Issue 22 Annual Interest Current AER Current gross
Including 12 month bonus from account opening 0.90% 0.90%
After 12 months rate reverts to underlying rate 0.25% 0.25%

 

Current rates effective 16/08/2016

Interest is variable, calculated daily and paid between 20 and 25 March each year.

 

Issue 22 Monthly Interest Current AER Current gross
Including 12 month bonus from account opening 0.90% 0.89%
After 12 months rate reverts to underlying rate 0.25% 0.24%

 

Current rates effective 16/08/2016

Interest is variable, calculated daily and paid on the first business day of each month.

Premier Cash ISA

Issue 13 Current AER Current tax-free
Including 12 month bonus from account opening 0.70% 0.70%
After 12 months rate reverts to underlying rate 0.25% 0.25%

 

Current rates effective 22/08/2016

Interest is variable, calculated daily and paid annually in March.

Reward Saver

Issue 14 Annual Interest Current AER Current gross
Including 12 month bonus from account opening 0.70% 0.70%
After 12 months rate reverts to underlying rate 0.25% 0.25%

 

Current rates effective 22/08/2016

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

 

Issue 14 Monthly Interest Current AER Current gross
Including 12 month bonus from account opening 0.70% 0.69%
After 12 months rate reverts to underlying rate 0.25% 0.24%

 

Current rates effective 22/08/2016

Interest is variable, calculated daily and paid on the closest business day each month linked to the date of account opening.

Standard Variable Rate Cash ISA

  Current AER Current tax-free
Interest rate 0.25% 0.25%

 

Current rate effective for 2016/17 tax year

Interest is variable, calculated daily and paid annually in March.

Available Fixed Rate Saving Accounts

Fixed Rate Cash ISA

Issue 20 Current AER Current tax-free
1 year 0.95% 0.95%

 

Current rates effective 29/07/2016

Interest is fixed, calculated daily and paid on the anniversary of product opening.

 

Loyalty Issue 1

(available to maturing Fixed Rate Cash ISA customers only)
Current AER Current tax-free
1 year 0.96% 0.96%
2 year 0.96% 0.96%
3 year 0.96% 0.96%

 

Current rates effective 02/10/2016

Interest is fixed, calculated daily and paid on the anniversary of product opening.

Growth Bond

Issue 32 Current AER Current gross
1 year 0.95% 0.95%

 

Current rates effective 29/07/2016

Interest is fixed, calculated daily and paid on the anniversary of product opening.

Loyalty Bond

Issue 40 Current AER Current gross
1 year 1.00% 1.00%

 

Current rates effective 19/10/2016

Interest is fixed, calculated daily and paid when your bond matures.

Online Bond

Issue 34

(available to maturing Online Bond customers only)
Current AER Current gross
1 year (annual interest) 1.00% 1.00%
1 year (monthly interest) 1.00% 0.99%

 

Current rates effective 24/10/2016

Interest is paid on either the monthly or annual anniversary of the account opening or the closest business day (depending on the interest payment option chosen).

 

Issue 33 Current AER Current gross
1 year (annual interest) 0.95% 0.95%
1 year (monthly interest) 0.95% 0.94%

 

Current rates effective 28/07/2016

Interest is paid on either the monthly or annual anniversary of the account opening or the closest business day (depending on the interest payment option chosen).

Online ISA Fixed Rate

Issue 7 Current AER Current tax- free
1 year 0.95% 0.95%

 

Current rates effective 28/07/2016

Interest is fixed, calculated daily and paid on the anniversary of product opening.

Definitions

Fixed: A fixed rate of interest does not fluctuate and remains the same through out the lifetime of a savings account.

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

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

Gross: Gross rates are paid without the deduction of income tax.

Tax-free: Tax-free means the interest paid will be free from UK 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.