Interest rates

Current rates

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 Saving Accounts

 

Savings Accounts No Longer Available to New Savers

 

Variable Rate Savings Accounts

 

Cash ISA - Standard Variable Rate (only applies to customers whose Fixed Rate Cash ISA terms have ended)

  Minimum balance Current AER Current tax-free
Interest rate £500 0.25% 0.25%

Current rate effective 17/03/2009

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

Instant Saver Issue 8

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £500 0.80% 0.80%
After 12 months rate reverts to underlying rate £500 0.10% 0.10%

Current rates effective 06/04/2016

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

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

Find out more

Easy Saver Issue 5 (only available to customers with a matured Growth Bond) - accounts opened on or after 07/03/2016

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £500 0.65% 0.65%
After 12 months rate reverts to underlying rate £500 0.10% 0.10%

Current rate effective 07/03/2016

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

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

Online Easy Saver Issue 5 (only available to customers with a matured Online Bond) - accounts opened on or after 03/03/2016

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £500 0.65% 0.65%
After 12 months rate reverts to underlying rate £500 0.10% 0.10%

Current rate effective 03/03/2016

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

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

Reward Saver Issue 13 - annual interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £500 0.95% 0.95%
After 12 months rate reverts to underlying rate £500 0.65% 0.65%

Current rates effective 24/05/2016.

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

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

Find out more

Reward Saver Issue 13 - monthly interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £500 0.95% 0.94%
After 12 months rate reverts to underlying rate £500 0.65% 0.64%

Current rates effective 24/05/2016.

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

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

Find out more

Premier Cash ISA (accounts opened on or after 06/04/2016)

  Minimum balance Current AER Current tax-free
Including 12 month bonus from account opening £100 0.95% 0.95%
After 12 months rate reverts to underlying rate £100 0.65% 0.65%

Current rates effective 06/04/2016.

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

Online Saver Issue 21 - annual interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £1 1.00% 1.00%
After 12 months rate reverts to underlying rate £1 0.35% 0.35%

Current rates effective 10/06/2016.

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

Find out more

Online Saver Issue 21 - monthly interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £1 1.00% 0.99%
After 12 months rate reverts to underlying rate £1 0.35% 0.34%

Current rates effective 10/06/2016.

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

Find out more

Online ISA Easy Access Issue 7

  Minimum balance Current AER Current tax-free
Including 12 month bonus from account opening £100 1.10% 1.10%
After 12 months rate reverts to underlying rate £100 0.35% 0.35%

Current rates effective 10/06/2016

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

Holding Account (only available to customers with a maturing Growth Bond or Loyalty Bond)

  Minimum balance Current AER Current gross
Interest rate £1 0.10% 0.10%

Current rates effective 17/03/2009.

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

Online ISA Holding Account

  Minimum balance Current AER Current tax-free
Interest rate £100 0.65% 0.65%

Current rates effective 16/02/2015

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

Fixed Rate Savings Accounts

Growth Bond Issue 32

Term Minimum balance Current AER Current gross
1 year £500 0.95% 0.95%

Current rates effective 29/07/2016

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

Online Bond Issue 33

Term Minimum balance Current AER Current gross
1 year (annual interest) £500 0.95% 0.95%
1 year (monthly interest) £500 0.95% 0.94%

Current rates effective 28/07/2016

Choose to receive your interest monthly or annually.

Fixed Rate Cash ISA issue 20

Term Minimum balance Current AER Current tax-free
1 year £500 0.95% 0.95%

Current rates effective 29/07/2016

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

Online ISA Fixed Rate Issue 7

Term Minimum balance Current AER Current tax-free
1 year £500 0.95% 0.95%

Current rates effective 28/07/2016

Savings Accounts No Longer Available to New Savers

Online Saver Issues 1 to 10 - annual interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £1 n/a n/a
After 12 months rate reverts to underlying rate £1 0.65% 0.65%

Current rates effective 02/02/2015.

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

Online Saver Issues 1 to 10 - monthly interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £1 n/a n/a
After 12 months rate reverts to underlying rate £1 0.65% 0.64%

Current rates effective 02/02/2015.

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

Online Saver Issue 11 - annual interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £1 1.05% 1.05%
After 12 months rate reverts to underlying rate £1 0.65% 0.65%

Current rates effective 02/02/2015.

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

Online Saver Issue 11 - monthly interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £1 1.04% 1.04%
After 12 months rate reverts to underlying rate £1 0.65% 0.64%

Current rates effective 02/02/2015.

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

Online Saver Issue 12 - annual interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £1 1.30% 1.30%
After 12 months rate reverts to underlying rate £1 0.65% 0.65%

Current rates effective 02/02/2015.

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

Online Saver Issue 12 - monthly interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £1 1.29% 1.29%
After 12 months rate reverts to underlying rate £1 0.65% 0.64%

Current rates effective 02/02/2015.

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

Online Saver Issue 13 - annual interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £1 1.40% 1.40%
After 12 months rate reverts to underlying rate £1 0.65% 0.65%

Current rates effective 19/12/2014.

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

Online Saver Issue 13 - monthly interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £1 1.40% 1.39%
After 12 months rate reverts to underlying rate £1 0.65% 0.64%

Current rates effective 19/12/2014.

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

Online Saver Issue 14 - annual interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £1 1.20% 1.20%
After 12 months rate reverts to underlying rate £1 0.65% 0.65%

Current rates effective 20/02/2015.

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

Online Saver Issue 14 - monthly interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £1 1.20% 1.19%
After 12 months rate reverts to underlying rate £1 0.65% 0.64%

Current rates effective 20/02/2015.

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

Online Saver Issue 15 - annual interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £1 1.40% 1.40%
After 12 months rate reverts to underlying rate £1 0.65% 0.65%

Current rates effective 27/07/2015.

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

Online Saver Issue 15 - monthly interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £1 1.40% 1.39%
After 12 months rate reverts to underlying rate £1 0.65% 0.64%

Current rates effective 27/07/2015.

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

Online Saver Issue 16 - annual interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £1 1.61% 1.61%
After 12 months rate reverts to underlying rate £1 0.65% 0.65%

Current rates effective 29/09/2015.

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

Online Saver Issue 16 - monthly interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £1 1.61% 1.59%
After 12 months rate reverts to underlying rate £1 0.65% 0.64%

Current rates effective 29/09/2015.

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

Online Saver Issue 17 - annual interest (Only available to existing customers)

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £1 1.50% 1.50%
After 12 months rate reverts to underlying rate £1 0.65% 0.65%

Current rates effective 12/11/2015.

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

Find out more

Online Saver Issue 17 - monthly interest (Only available to existing customers)

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £1 1.50% 1.48%
After 12 months rate reverts to underlying rate £1 0.65% 0.64%

Current rates effective 12/11/2015.

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

Find out more

Online Saver Issue 18 - annual interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £1 1.30% 1.30%
After 12 months rate reverts to underlying rate £1 0.65% 0.65%

Current rates effective 03/12/2015.

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

FIND OUT MORE

Online Saver Issue 18 - monthly interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £1 1.30% 1.29%
After 12 months rate reverts to underlying rate £1 0.65% 0.64%

Current rates effective 03/12/2015.

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

Online Saver Issue 19 - annual interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £1 1.20% 1.20%
After 12 months rate reverts to underlying rate £1 0.65% 0.65%

Current rates effective 12/02/2016.

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

Online Saver Issue 19 - monthly interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £1 1.20% 1.19%
After 12 months rate reverts to underlying rate £1 0.65% 0.64%

Current rates effective 12/02/2016.

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

Online Saver Issue 20 - annual interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £1 1.00% 1.00%
After 12 months rate reverts to underlying rate £1 0.65% 0.65%

Current rates effective 11/04/2016.

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

Find out more

Online Saver Issue 20 - monthly interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £1 1.00% 0.99%
After 12 months rate reverts to underlying rate £1 0.65% 0.64%

Current rates effective 11/04/2016.

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

Find out more

Cash ISA

  Minimum balance Current AER Current tax-free
After 12 months rate reverts to underlying rate £100 0.25% 0.25%

All new deposits made in the 2016/17 tax year will earn a 0.65% tax-free 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 17/03/2009.

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

Reward Saver Issue 1 to 4 - annual interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £500 n/a n/a
After 12 months rate reverts to underlying rate £500 0.65% 0.65%

Current rates effective 02/02/2015.

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

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

Reward Saver Issue 1 to 4 - monthly interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £500 n/a n/a
After 12 months rate reverts to underlying rate £500 0.65% 0.64%

Current rates effective 02/02/2015.

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

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

Reward Saver Issue 5 - annual interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £500 1.35% 1.35%
After 12 months rate reverts to underlying rate £500 0.65% 0.65%

Current rates effective 02/02/2015.

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

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

Reward Saver Issue 5 - monthly interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £500 1.34% 1.34%
After 12 months rate reverts to underlying rate £500 0.65% 0.64%

Current rates effective 02/02/2015.

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

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

Reward Saver Issue 6 - annual interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £500 0.95% 0.95%
After 12 months rate reverts to underlying rate £500 0.65% 0.65%

Current rates effective 02/02/2015.

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

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

Reward Saver Issue 6 - monthly interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £500 0.94% 0.94%
After 12 months rate reverts to underlying rate £500 0.65% 0.64%

Current rates effective 02/02/2015.

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

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

Reward Saver Issue 7 - annual interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £500 1.25% 1.25%
After 12 months rate reverts to underlying rate £500 0.65% 0.65%

Current rates effective 02/02/2015. Interest is variable, calculated daily and paid on the anniversary of account opening (or closest business day)

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

Reward Saver Issue 7 - monthly interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £500 1.24% 1.24%
After 12 months rate reverts to underlying rate £500 0.65% 0.64%

Current rates effective 02/02/2015.

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

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

Reward Saver Issue 8 - annual interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £500 1.35% 1.35%
After 12 months rate reverts to underlying rate £500 0.65% 0.65%

Current rates effective 19/12/2014. Interest is variable, calculated daily and paid on the anniversary of account opening (or closest business day)

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

Reward Saver Issue 8 - monthly interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £500 1.35% 1.34%
After 12 months rate reverts to underlying rate £500 0.65% 0.64%

Current rates effective 19/12/2014. Interest is variable, calculated daily and paid on the closest business day each month linked to the date of account opening.

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

Reward Saver Issue 9 - annual interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £500 1.30% 1.30%
After 12 months rate reverts to underlying rate £500 0.65% 0.65%

Current rates effective 07/04/2015.

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

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

Reward Saver Issue 9 - monthly interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £500 1.30% 1.29%
After 12 months rate reverts to underlying rate £500 0.65% 0.64%

Current rates effective 07/04/2015.

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

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

Reward Saver Issue 10 - annual interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £500 1.40% 1.40%
After 12 months rate reverts to underlying rate £500 0.65% 0.65%

Current rates effective 21/09/2015.

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

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

Reward Saver Issue 10 - monthly interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £500 1.40% 1.39%
After 12 months rate reverts to underlying rate £500 0.65% 0.64%

Current rates effective 21/09/2015.

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

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

Reward Saver Issue 11 - annual interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £500 1.25% 1.25%
After 12 months rate reverts to underlying rate £500 0.65% 0.65%

Current rates effective 11/01/2016.

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

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

Reward Saver Issue 11 - monthly interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £500 1.25% 1.24%
After 12 months rate reverts to underlying rate £500 0.65% 0.64%

Current rates effective 11/01/2016.

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

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

Reward Saver Issue 12 - annual interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £500 1.05% 1.05%
After 12 months rate reverts to underlying rate £500 0.65% 0.65%

Current rates effective 06/04/2016.

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

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

Reward Saver Issue 12 - monthly interest

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £500 1.05% 1.04%
After 12 months rate reverts to underlying rate £500 0.65% 0.64%

Current rates effective 06/04/2016.

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

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

Premier Cash ISA (accounts opened before 23/07/2013)

  Minimum balance Current AER Current tax-free
Including 18 month bonus from account opening £100 n/a n/a
After 18 months rate reverts to underlying rate £100 0.65% 0.65%

Current rates effective 02/02/2015.

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

Premier Cash ISA (accounts opened between 24/07/2013 and 17/10/2013)

  Minimum balance Current AER Current tax-free
Including 18 month bonus from account opening £100 1.15% 1.15%
After 18 months rate reverts to underlying rate £100 0.65% 0.65%

Current rates effective 02/02/2015.

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

Premier Cash ISA (accounts opened between 18/10/2013 and 24/01/2014)

  Minimum balance Current AER Current tax-free
Including 18 month bonus from account opening £100 1.55% 1.55%
After 18 months rate reverts to underlying rate £100 0.65% 0.65%

Current rates effective 02/02/2015.

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

Premier Cash ISA (accounts opened between 05/02/2014 and 11/09/2014)

  Minimum balance Current AER Current tax-free
Including 18 month bonus from account opening £100 1.15% 1.15%
After 18 months rate reverts to underlying rate £100 0.65% 0.65%

Current rates effective 02/02/2015.

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

Premier Cash ISA (accounts opened between 12/09/2014 and 18/12/2014)

  Minimum balance Current AER Current tax-free
Including 18 month bonus from account opening £100 1.45% 1.45%
After 18 months rate reverts to underlying rate £100 0.65% 0.65%

Current rates effective 02/02/2015.

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

Premier Cash ISA (accounts opened between 19/12/2014 and 06/04/2015)

  Minimum balance Current AER Current tax-free
Including 18 month bonus from account opening £100 1.50% 1.50%
After 18 months rate reverts to underlying rate £100 0.65% 0.65%

Current rates effective 19/12/2014.

Interest is variable, calculated daily and paid annually in March

Premier Cash ISA (accounts opened between 07/04/2015 and 20/09/2015)

  Minimum balance Current AER Current tax-free
Including 18 month bonus from account opening £100 1.40% 1.40%
After 18 months rate reverts to underlying rate £100 0.65% 0.65%

Current rates effective 07/04/2015.

Interest is variable, calculated daily and paid annually in March

Premier Cash ISA (accounts opened between 21/09/2015 and 10/01/2016)

  Minimum balance Current AER Current tax-free
Including 18 month bonus from account opening £100 1.50% 1.50%
After 18 months rate reverts to underlying rate £100 0.65% 0.65%

Current rates effective 21/09/2015.

Interest is variable, calculated daily and paid annually in March

Premier Cash ISA (accounts opened between 11/01/2016 and 05/04/2016)

  Minimum balance Current AER Current tax-free
Including 18 month bonus from account opening £100 1.40% 1.40%
After 18 months rate reverts to underlying rate £100 0.65% 0.65%

Current rates effective 11/01/2016.

Interest is variable, calculated daily and paid annually in March

Online ISA Easy Access Issue 1

  Minimum balance Current AER Current tax-free
Including 12 month bonus from account opening £100 1.50% 1.50%
After 12 months rate reverts to underlying rate £100 0.65% 0.65%

Current rates effective 16/02/2015

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

Online ISA Easy Access Issue 2

  Minimum balance Current AER Current tax-free
Including 12 month bonus from account opening £100 1.41% 1.41%
After 12 months rate reverts to underlying rate £100 0.65% 0.65%

Current rates effective 07/04/2015

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

Online ISA Easy Access Issue 3

  Minimum balance Current AER Current tax-free
Including 12 month bonus from account opening £100 1.51% 1.51%
After 12 months rate reverts to underlying rate £100 0.65% 0.65%

Current rates effective 18/09/2015

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

Online ISA Easy Access Issue 4

  Minimum balance Current AER Current tax-free
Including 12 month bonus from account opening £100 1.45% 1.45%
After 12 months rate reverts to underlying rate £100 0.65% 0.65%

Current rates effective 11/01/2016

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

Online ISA Easy Access Issue 5

  Minimum balance Current AER Current tax-free
Including 12 month bonus from account opening £100 1.25% 1.25%
After 12 months rate reverts to underlying rate £100 0.65% 0.65%

Current rates effective 07/03/2016

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

Online ISA Easy Access Issue 6

  Minimum balance Current AER Current tax-free
Including 12 month bonus from account opening £100 1.10% 1.10%
After 12 months rate reverts to underlying rate £100 0.65% 0.65%

Current rates effective 06/04/2016

Interest is variable, 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 AER Current gross
Interest rate £500 0.10% 0.10%

Current rate effective 09/06/2009

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

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

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

  Minimum balance Current AER Current gross
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 variable, calculated daily and paid on the anniversary of account opening (or closest business day)

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

Easy Saver (only available to customers with a matured Growth Bond) - accounts opened from 07/03/2013 to 01/01/2014

  Minimum balance Current AER Current gross
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 variable, calculated daily and paid on the anniversary of account opening (or closest business day)

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

Easy Saver (only available to customers with a matured Growth Bond) - accounts opened from 02/01/2014 to 20/09/2015

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £500 1.00% 1.00%
After 12 months rate reverts to underlying rate £500 0.10% 0.10%

Current rate effective 02/01/2014

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

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

Easy Saver (only available to customers with a matured Growth Bond) - accounts opened from 21/09/2015 to 06/03/2016

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £500 1.25% 1.25%
After 12 months rate reverts to underlying rate £500 0.10% 0.10%

Current rate effective 21/09/2015

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

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

Instant Saver Issue 1

  Minimum balance Current AER Current gross
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 variable, calculated daily and paid annually in March.

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

Instant Saver Issue 2

  Minimum balance Current AER Current gross
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 variable, calculated daily and paid annually in March.

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

Instant Saver Issue 3

  Minimum balance Current AER Current gross
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 variable, calculated daily and paid annually in March.

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

Instant Saver Issue 4

  Minimum balance Current AER Current gross
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 variable, calculated daily and paid annually in March.

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

Instant Saver Issue 5

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £500 1.00% 1.00%
After 12 months rate reverts to underlying rate £500 0.10% 0.10%

Current rates effective 02/01/2014

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

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

Instant Saver Issue 6

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £500 1.25% 1.25%
After 12 months rate reverts to underlying rate £500 0.10% 0.10%

Current rates effective 21/09/2015

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

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

Instant Saver Issue 7

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £500 1.20% 1.20%
After 12 months rate reverts to underlying rate £500 0.10% 0.10%

Current rates effective 11/01/2016

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

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

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

  Minimum balance Current AER Current gross
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 rate effective 06/09/2011.

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

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

Online Easy Saver Issue 2 (only available to customers with a matured Online Bond) – accounts opened from 21/03/2013 to 01/01/2014

  Minimum balance Current AER Current gross
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 variable, calculated daily and paid on the anniversary of account opening (or closest business day).

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

Online Easy Saver Issue 3 (only available to customers with a matured Online Bond) - accounts opened from 02/01/2014 to 20/09/2015

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £500 1.00% 1.00%
After 12 months rate reverts to underlying rate £500 0.10% 0.10%

Current rate effective 02/01/2014

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

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

Online Easy Saver Issue 4 (only available to customers with a matured Online Bond) - accounts opened on or after 21/09/2015 to 02/03/2016

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £500 1.25% 1.25%
After 12 months rate reverts to underlying rate £500 0.10% 0.10%

Current rate effective 21/09/2015

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

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

 

Online Reserve Issue 1 to 3

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £1 n/a n/a
After 12 months rate reverts to underlying rate £1 0.65% 0.65%

Current rates effective 02/02/2015.

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

Online Reserve Issue 4

  Minimum balance Current AER Current gross
Including 12 month bonus from account opening £1 1.05% 1.05%
After 12 months rate reverts to underlying rate £1 0.65% 0.65%

Current rate effective 02/02/2015

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

Post Office Money ISAs are provided by OneFamily. Savings in Post Office Money cash ISAs are deposited with Bank of Ireland UK. All other Post Office Money savings accounts are provided by Bank of Ireland UK.

 

Previous rates

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 to 9 - annual interest

  Minimum balance Previous AER Previous gross
Including 12 month bonus from account opening £1 n/a n/a
Underlying rate £1 0.90% 0.90%

Rates effective 29/05/2013 to 01/02/2015.

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

Online Saver Issue 1 to 9 - monthly interest

  Minimum balance Previous AER Previous gross
Including 12 month bonus from account opening  £1 n/a n/a
 Underlying rate  £1 0.90% 0.89%

Rates effective 29/05/2013 to 01/02/2015.

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

Online Saver Issue 10 - annual interest

  Minimum balance Previous AER Previous gross
Including 12 month bonus from account opening £1 n/a n/a
After 12 months rate reverts to underlying rate £1 0.90% 0.89%

Rates effective 29/05/2013 to 01/02/2015.

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

Online Saver Issue 10 - annual interest

  Minimum balance Previous AER Previous gross
Including 12 month bonus from account opening £1 n/a n/a
After 12 months rate reverts to underlying rate £1 0.90% 0.89%

Rates effective 14/03/2013 to 01/02/2015.

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

Online Saver Issue 11 - annual interest

  Minimum balance Previous AER Previous gross
Including 12 month bonus from account opening £1 1.30% 1.30%
After 12 months rate reverts to underlying rate £1 0.90% 0.90%

Rates effective 05/02/2014 to 01/02/2015.

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

Online Saver Issue 11 - monthly interest

  Minimum balance Previous AER Previous gross
Including 12 month bonus from account opening £1 1.30% 1.29%
After 12 months rate reverts to underlying rate £1 0.90% 0.89%

Rates effective 05/02/2014 to 01/02/2015.

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

Online Saver Issue 12- annual interest

  Minimum balance Previous AER Previous gross
Including 12 month bonus from account opening £1 1.40% 1.40%
After 12 months rate reverts to underlying rate £1 0.75% 0.75%

Rates effective 12/09/2014 to 01/02/2015.

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

Online Saver Issue 12 - monthly interest

  Minimum balance Previous AER Previous gross
Including 12 month bonus from account opening £1 1.40% 1.39%
After 12 months rate reverts to underlying rate £1 0.75% 0.74%

Rates effective 12/09/2014 to 01/02/2015.

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

 

Cash ISA

  Minimum balance Previous AER Previous tax-free
After 12 months rate reverts to underlying rate £100 0.75% 0.75%

Rates effective 17/02/2009 to 16/03/2009.

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

Reward Saver Issue 1 to 4 - annual interest

  Minimum balance Previous AER Previous gross
Including 12 month bonus from account opening £500 N/A N/A
After 12 months rate reverts to underlying rate £500 0.90% 0.90%

Rates effective 29/01/2014 to 01/02/2015. Interest is variable, calculated daily and paid on the anniversary of account opening (or closest business day).

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

Reward Saver Issue 1 to 4 - monthly interest

  Minimum balance Previous AER Previous gross
Including 12 month bonus from account opening £500 N/A N/A
After 12 months rate reverts to underlying rate £500 0.90% 0.89%

Rates effective 29/01/2014 to 01/02/2015.

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

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

Reward Saver Issue 5 - annual interest

  Minimum balance Previous AER Previous gross
Including 12 month bonus from account opening £100 1.60% 1.60%
After 12 months rate reverts to underlying rate £100 0.90% 0.90%

Rates effective 18/10/2013 to 01/02/2015.

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

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

Reward Saver Issue 5 - monthly interest

  Minimum balance Previous AER Previous gross
Including 12 month bonus from account opening £100 1.60% 1.58%
After 12 months rate reverts to underlying rate £100 0.90% 0.89%

Rates effective 18/10/2013 to 01/02/2015.

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

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

Reward Saver Issue 6 - annual interest

  Minimum balance Previous AER Previous gross
Including 12 month bonus from account opening £100 1.20% 1.20%
After 12 months rate reverts to underlying rate £100 0.90% 0.90%

Rates effective 26/02/2014 to 01/02/2015.

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

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

Reward Saver Issue 6 - monthly interest

  Minimum balance Previous AER Previous gross
Including 12 month bonus from account opening £100 1.20% 1.19%
After 12 months rate reverts to underlying rate £100 0.90% 0.89%

Rates effective 26/02/2014 to 01/02/2015.

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

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

Reward Saver Issue 7 - annual interest

  Minimum balance Previous AER Previous gross
Including 12 month bonus from account opening £100 1.35% 1.35%
After 12 months rate reverts to underlying rate £100 0.75% 0.75%

Rates effective 12/09/2014 to 01/02/2015.

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

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

Reward Saver Issue 7 - monthly interest

  Minimum balance Previous AER Previous gross
Including 12 month bonus from account opening £100 1.35% 1.34%
After 12 months rate reverts to underlying rate £100 0.75% 0.74%

Rates effective 12/09/2014 to 01/02/2015.

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

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

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

  Minimum balance Previous AER Previous gross
Interest rate £500 0.25% 0.25%

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

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

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

Premier Cash ISA (accounts opened before 23/07/2013)

  Minimum balance Previous AER Previous tax-free
Including 18 month bonus from account opening £100 n/a n/a
After 18 months rate reverts to underlying rate £100 0.90% 0.90%

Rates effective 29/01/2013 to 01/02/2015.

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

Premier Cash ISA (accounts opened between 24/07/13 and 17/10/13)

  Minimum balance Previous AER Previous tax-free
Including 18 month bonus from account opening £100 1.40% 1.40%
After 18 months rate reverts to underlying rate £100 0.90% 0.90%

Rates effective 30/01/2014 to 01/02/2015.

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

Premier Cash ISA (accounts opened between 18/10/13 and 24/01/14)

  Minimum balance Previous AER Previous tax-free
Including 18 month bonus from account opening £100 1.80% 1.80%
After 18 month rate reverts to underlying rate £100 0.90% 0.90%

Rates effective 18/10/2013 to 01/02/2015

Interest is variable, calculated daily and paid annually in March

Premier Cash ISA (accounts opened between 05/02/14 and 11/09/14)

  Minimum balance Previous AER Previous tax-free
Including 18 month bonus from account opening £100 1.40% 1.40%
After 18 month rate reverts to underlying rate £100 0.90% 0.90%

Rates effective 05/02/2014 to 01/02/2015

Interest is variable, calculated daily and paid annually in March

Premier Cash ISA (accounts opened between 12/09/14 and 18/12/14)

  Minimum balance Previous AER Previous tax-free
Including 18 month bonus from account opening £100 1.55% 1.55%
After 18 month rate reverts to underlying rate £100 0.75% 0.75%

Rates effective 12/09/2014 to 01/02/2015

Interest is variable, calculated daily and paid annually in March

Instant Saver Issue 1

  Minimum balance Previous AER Previous gross
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 variable, calculated daily and paid annually in March.

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

Online Reserve Issue 1 to 3

  Balance Previous AER Previous gross
Including 12 month bonus from account opening £1 - £49,999.99 n/a n/a
£50,000+ n/a n/a
After 12 months rate reverts to underlying rate £1 - £49,999.99 0.90% 0.90%
£50,000+ 1.00% 1.00%

Rates effective 29/05/2013 to 01/02/2015.

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

Online Reserve Issue 4

  Balance Previous AER Previous gross
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%

Rates effective 14/03/2013 to 01/02/2015

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

Post Office Money ISAs are provided by Family Investments. Savings in Post Office Money Cash ISAs are deposited with Bank of Ireland UK. All other Post Office Money savings accounts are provided by Bank of Ireland UK.

Definitions

0345: Calls cost no more than calls to geographic numbers (01 or 02). Calls from landlines and mobiles are included in free call packages.

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

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

Gross: Gross rates are paid without the deduction 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 three types of ISA - cash ISAs (which have a fixed or variable rate), stocks and shares ISAs and innovative finance ISAs. You can invest up to £15,240 between a cash ISA, a stocks and shares ISA and an innovative finance ISA this tax year (that's the period from 6th April to 5th April). You can only invest in one cash ISA, one stocks and shares and one innovative finance ISA in each tax year.

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.

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