Savings rates

Products currently available

Please note that from 17 December 2024, we are reducing the interest rate on a number of products. Please review the interest rates before applying.

Everyday Savings Account

Interest rates for all customers:

From To AER Gross
17/12/2024 - 1.50% 1.49%
10/10/2024 16/12/2024 1.75% 1.74%
10/08/2023 09/10/2024 2.00% 1.98%
20/07/2023 09/08/2023 1.75% 1.74%
08/06/2023 19/07/2023 1.35% 1.34%
20/04/2023 07/06/2023 1.30% 1.29%
01/03/2023 19/04/2023 1.20% 1.19%
02/02/2023 28/02/2023 0.90% 0.90%
15/12/2022 01/02/2023 0.65% 0.65%
02/11/2022 14/12/2022 0.50% 0.50%
21/09/2022 01/11/2022 0.40% 0.40%
03/08/2022 20/09/2022 0.20% 0.20%
01/03/2022 02/08/2022 0.10% 0.10%
05/05/2020 28/02/2022 0.01% 0.01%
11/12/2019 04/05/2020 0.15% 0.15%
13/09/2018 10/12/2019 0.20% 0.20%
18/10/2016 12/09/2018 0.10% 0.10%
06/04/2016 17/10/2016 0.35% 0.35%
Interest rates subject to variation
From To AER Gross Net
12/04/2013 05/04/2016 0.35% 0.35% 0.28%
03/01/2013 11/04/2013 1.35% 1.34% 1.07%
Interest rates subject to variation. Rate included a 1% bonus for 12 months from account opening.
From To Including bonus Go to rate
AER Gross Net AER Gross Net
24/08/2010 02/01/2013 2.35% 2.33% 1.86% 1.35% 1.34% 1.07%
14/05/2009 23/08/2010 1.56% 1.55% 1.24% 0.55% 0.55% 0.44%

Advantage Cash ISA option

Interest rates are variable and can change at any time.
From To Tax Free Rate AER
17/12/2024 - 2.50% 2.50%
10/10/2024 16/12/2024 2.80% 2.80%
10/08/2023 09/10/2024 3.00% 3.00%
20/07/2023 09/08/2023 2.80% 2.80%
08/06/2023 19/07/2023 2.50% 2.50%
15/12/2022 07/06/2023 2.30% 2.30%
02/11/2022 14/12/2022 1.40% 1.40%
21/09/2022 01/11/2022 0.70% 0.70%
03/08/2022 20/09/2022 0.45% 0.45%
28/04/2022 02/08/2022 0.35% 0.35%
01/03/2022 27/04/2022 0.20% 0.20%
05/05/2020 28/02/2022 0.10% 0.10%
11/12/2019 04/05/2020 0.55% 0.55%
13/09/2018 10/12/2019 0.85% 0.85%
23/11/2017 12/09/2018 0.75% 0.75%
10/02/2017 22/11/2017 0.50% 0.50%
18/10/2016 09/02/2017 0.80% 0.80%
28/07/2016 17/10/2016 1.10% 1.10%
10/05/2013 27/07/2016 1.30% 1.30%
06/03/2013 09/05/2013 2.25% 2.25%
11/12/2012 05/03/2013 2.75% 2.75%
09/02/2012 10/12/2012 3.00% 3.00%
Rates included a 1% bonus payable until 21 July 2010. Interest rates were variable and could change at any time, including within the latest date range quoted above. The rates were presented in this way to reflect the reduction in the AER relative to the tax free rate over time. The AER reduced in this way because it was always calculated over a full 12 month period, while the bonus was only paid until a fixed date.
From To Tax Free Rate AER Go to rate AER/Tax Free
22/07/2010 08/02/2012 1.50% 1.50% N/A
22/06/2010 21/07/2010 2.50% 1.58% 1.50%
22/05/2010 21/06/2010 2.50% 1.67% 1.50%
22/04/2010 21/05/2010 2.50% 1.75% 1.50%
22/03/2010 21/04/2010 2.50% 1.83% 1.50%
22/02/2010 21/03/2010 2.50% 1.92% 1.50%
22/01/2010 21/02/2010 2.50% 2.00% 1.50%
22/12/2009 21/01/2010 2.50% 2.08% 1.50%
22/11/2009 21/12/2009 2.50% 2.17% 1.50%
22/10/2009 21/11/2009 2.50% 2.25% 1.50%
01/10/2009 21/10/2009 2.50% 2.33% 1.50%
22/09/2009 30/09/2009 2.50% 2.08% 1.50%
22/08/2009 21/09/2009 2.50% 2.17% 1.50%
22/07/2009 21/08/2009 2.50% 2.25% 1.50%
22/06/2009 21/07/2009 2.50% 2.33% 1.50%
12/06/2009 21/06/2009 2.50% 2.42% 1.50%
22/04/2009 11/06/2009 3.10% 3.02% 2.10%
22/01/2009 21/04/2009 3.10% 3.10% 2.10%

Fixed Rate Savings Issue 55

Fixed Rate Savings Issue 55
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Gross 3.90% 3.50% 3.45%
Fixed Rate Savings Issue 55 (Cash ISA)
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Tax-Free 3.90% 3.50% 3.45%

Products no longer available

Fixed Rate Savings Issue 54

Fixed Rate Savings Issue 54 Closed - 23/10/2024
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Gross 4.10% 3.70% 3.45%
Fixed Rate Savings Issue 54 (Cash ISA) Closed 23/10/2024
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Tax-Free 4.20% 3.70% 3.45%

Fixed Rate Savings Issue 53

Fixed Rate Savings Issue 53 Closed – 03/10/2024
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Gross 4.35% 3.85% 3.75%
Fixed Rate Savings Issue 53 (Cash ISA) Closed – 03/10/2024
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Tax-Free 4.45% 3.85% 3.75%

Fixed Rate Savings Issue 52

Fixed Rate Savings Issue 52 Closed - 17/09/2024
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Gross 4.45% 4.10% 3.75%
Fixed Rate Savings Issue 52 (Cash ISA) Closed - 17/09/2024
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Tax-Free 4.45% 4.10% 3.75%

Fixed Rate Savings Issue 51

Fixed Rate Savings Issue 51 Closed – 18/07/2024
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Gross 4.30% 4.00% 3.75%
Fixed Rate Savings Issue 51 (Cash ISA) Closed – 18/07/2024
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Tax-Free 4.60% 4.20% 3.75%

Fixed Rate Savings Issue 50

Fixed Rate Savings Issue 50 Closed - 27/06/2024
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Gross 4.30% 4.00% 3.75%
Fixed Rate Savings Issue 50 (Cash ISA) Closed - 27/06/2024
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Tax-Free 4.60% 4.20% 3.75%

Fixed Rate Savings Issue 49

Fixed Rate Savings Issue 49 Closed - 02/05/2024
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Gross 4.30% 4.00% 3.75%
Fixed Rate Savings Issue 49 (Cash ISA) Closed - 02/05/2024
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Tax-Free 4.30% 4.00% 3.75%

Fixed Rate Savings Issue 48

Fixed Rate Savings Issue 48 Closed - 12/03/2024
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Gross 4.35% 4.05% 3.75%
Fixed Rate Savings Issue 48 (Cash ISA) Closed - 12/03/2024
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Tax-Free 4.35% 4.05% 3.75%

Fixed Rate Savings Issue 47

Fixed Rate Savings Issue 47 Closed – 07/02/2024
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Gross 4.60% 4.30% 3.75%
Fixed Rate Savings Issue 47 (Cash ISA) Closed – 07/02/2024
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Tax-Free 4.60% 4.30% 3.75%

Fixed Rate Savings Issue 46

Fixed Rate Savings Issue 46 Closed – 10/01/2024
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Gross 4.75% 4.30% 3.90%
Fixed Rate Savings Issue 46 (Cash ISA) Closed – 10/01/2024
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Tax-Free 4.75% 4.30% 3.90%

Fixed Rate Savings Issue 45

Fixed Rate Savings Issue 45 Closed - 19/12/2023
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Gross 5.20% 4.85% 4.60%
Fixed Rate Savings Issue 45 (Cash ISA) Closed - 19/12/2023
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Tax-Free 5.20% 4.85% 4.60%

Fixed Rate Savings Issue 44

Fixed Rate Savings Issue 44 - Closed 06/12/2023
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Gross 5.05% 5.10% 4.80%
Fixed Rate Savings Issue 44 (Cash ISA) - Closed 06/12/2023
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Tax-Free 5.05% 5.10% 4.80%

Fixed Rate Savings Issue 43

Fixed Rate Savings Issue 43 - Closed 30/08/2023
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Gross 4.05% 4.15% 4.20%
Fixed Rate Savings Issue 43 (Cash ISA) - Closed 30/08/2023
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Tax-Free 4.05% 4.15% 4.20%

Fixed Rate Savings Issue 42

Fixed Rate Savings Issue 42 Closed – 05/07/2023
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Gross 3.50% 3.75% 4.00%
Fixed Rate Savings Issue 42 (Cash ISA) Closed – 05/07/2023
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Tax-Free 3.50% 3.75% 4.00%

Fixed Rate Savings Issue 41

Fixed Rate Savings Issue 41 - closed 14/12/2022
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Gross 2.25% 2.50% 2.75%
Fixed Rate Savings Issue 41 (Cash ISA) - closed 14/12/2022
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Tax-Free 2.25% 2.50% 2.75%

Fixed Rate Savings Issue 40

Fixed Rate Savings Issue 40 - closed 01/11/22
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Gross 1.25% 1.30% 1.35%
Fixed Rate Savings Issue 40 (Cash ISA) - closed 01/11/22
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Tax-Free 1.25% 1.30% 1.35%

Fixed Rate Savings Issue 39

Fixed Rate Savings Issue 39 - Closed 20/09/2022
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Gross 0.55% 0.60% 0.65%
Fixed Rate Savings Issue 39 (Cash ISA) - Closed 20/09/2022
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Tax-Free 0.55% 0.60% 0.65%

Fixed Rate Savings Issue 38

Fixed Rate Savings Issue 38 - Closed 02/08/2022
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Gross 0.45% 0.50% 0.55%
Fixed Rate Savings Issue 38 (Cash ISA) - Closed 02/08/2022
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Tax-Free 0.45% 0.50% 0.55%

Fixed Rate Savings Issue 37

Fixed Rate Savings Issue 37 - Closed 27/04/2022
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Gross 0.15% 0.20% 0.40%
Fixed Rate Savings Issue 37 (Cash ISA) - Closed 27/04/2022
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Tax-Free 0.15% 0.20% 0.40%

Fixed Rate Savings Issue 36

Fixed Rate Savings Issue 36 - Closed 29/04/2021
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Gross 0.30% 0.35% 0.40%
Fixed Rate Savings Issue 36 (Cash ISA) - Closed 29/04/2021
Interest 1 year
fixed rate		 2 year
fixed rate		 3 year
fixed rate
AER/Tax-Free 0.40% 0.45% 0.50%

* AER is the annual equivalent rate and illustrates what the rate of interest would be if interest was paid and compounded on an annual basis. Gross is the rate of interest if interest was paid and not compounded each year. All credit interest will be paid gross.