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Savings rates

This page provides a summary of the rates that apply to our savings accounts.

Full copies of the fees and terms and conditions that apply to our personal accounts can be downloaded from our terms and conditions page.

Common definitions

Throughout this page, you'll see various terms being used. Here's what they mean:

Gross Rate This means the interest rate you are paid before the deduction of tax.

Annual Equivalent Rate (AER) - This is a notional rate used for interest bearing accounts, which illustrates what the gross credit interest rate (excluding any bonus interest payable) would be if paid and compounded on an annual basis. It helps you to compare the effective rates of credit interest on different accounts.

Nominal Rate - The rate charged excluding compounding of interest and other charges associated with a borrowing, e.g. arrangement and security fees.

p.a. - per annum (per year).

Interest rates for savings accounts

Instant Saver

Balance Gross Rate AER
1 + 0.45% 0.45%

Interest paid monthly
Last updated on: 03/09/2018

First Saver

Balance Gross Rate AER
0 + 0.85% 0.85%

Interest paid quarterly
Last updated on: 03/09/2018

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Cash Management Account

Currency Gross Rate AER
Sterling 0.00% 0.00%
US Dollar 0.00% 0.00%
Euro 0.00% 0.00%
All other currencies 0.00% 0.00%

Rates correct as at 1 December 2016

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