Notices

  • Savings products - In preparation of the launch of our new and improved Online Service we have temporarily withdrawn online applications for all our savings products. You can still apply for these products by post or in branch. All savings products will be available to apply online from 12 May. We apologise for any inconvenience this may cause.

  • Savings customers: Your 2024 / 2025 Annual Interest Savings Summary are currently being processed and are due to be delivered by 30 April 2025.

  • We’ll shortly be making some changes to our Online Service to make it simpler and easier for you to use.  

    Our new Online Service will have a modern design, improved navigation and many added benefits.  

    Find out more about the changes

  • Mortgage products - On Wednesday 23 April, we made changes to our mortgage product range. These include rate adjustments across our fixed rate products, and an increase to our Owner Occupier Joint Borrower Sole Proprietor maximum LTV to up to 90% (with no additional security required) for loans up to £500,000.
  • Any customers that have recently applied for this account will have 15 calendar days to initially fund their account.
Annual interest (AER gross) Account rate type Minimum opening amount Additional information Monthly interest option? Withdrawal limits Available to new customers?

1 Year Fixed Rate Bond (55)
4.00% to 4.20%
  • Fixed
 £1,000

This account is available to new and existing customers.

 Yes Not permitted. Yes
View full details

5 Year Fixed Rate Bond (39)
3.80% to 4.00%
  • Fixed
 £1,000

This account is available to new and existing customers.

 Yes Not permitted. Yes
View full details

3 Year Fixed Rate Bond (45)
3.80% to 4.00%
  • Fixed
 £1,000 This account is available to new and existing customers. Yes Not permitted. Yes
View full details

3 Year Fixed Rate Cash ISA (31)
3.90%
  • Fixed
 £1,000

This account is available to new and existing customers.

    		 No Withdrawals not permitted. Early Access Charge applies if account closed prior to maturity. Yes
    View full details

    5 Year Fixed Rate Cash ISA (34)
    3.90%
    • Fixed
    		 £1,000 This account is available to new and existing customers.
      		 No Withdrawals not permitted. Early Access Charge applies if account closed prior to maturity. Yes
      View full details

      2 Year Fixed Rate Bond (45)
      3.85% to 4.05%
      • Fixed
      		 £1,000

      This account is available to new and existing customers.

      		 Yes Not permitted. Yes
      View full details

      Market Tracker Cash ISA (2)
      4.37%
      • Tracker
      • Variable
      		 £1

      Apply and manage online, by post or at our Epsom branch

      		 No Unlimited Yes
      View full details

      Market Tracker Saver (1)
      4.32%
      • Tracker
      • Variable
      		 £1

      Open online, by post or in branch.

      		 No £25,000 per day, per account | 20 allowed annually. Yes
      View full details

      35 Day Notice Saver (3)
      3.40% to 3.75%
      • Variable
      		 £1,000
      • Interest rates depend on balance
      • Apply online, by post or in branch.
      		 Yes After 35 days notice. Yes
      View full details

      1 Year Fixed Rate Cash ISA (38)
      4.10%
      • Fixed
      		 £1,000 This account is available to new and existing customers.
        		 No Withdrawals not permitted. Early Access Charge applies if account closed prior to maturity. Yes
        View full details

        2 Year Fixed Rate Cash ISA (33)
        3.95%
        • Fixed
        		 £1,000

        This account is available to new and existing customers.

          		 No Withdrawals not permitted. Early Access Charge applies if account closed prior to maturity. Yes
          View full details

          35 Day Notice Cash ISA (3)
          3.55% to 3.75%
          • Variable
          		 £3,000.

          Open online, by post or in branch

          		 No After 35 days' notice. Also Available without notice subject to the loss of 35 days' interest on the total amount withdrawn. Yes
          View full details

          Windfall Bond
          3.50%
          • Variable
          		 £10,000 Open online, by post or in branch. No No withdrawals. Closure after 35 days' notice. Yes
          View full details

          Flexible ISA (3)
          2.85%
          • Variable
          		 £500
          • Manage online.
          		 No 12 allowed annually. Yes
          View full details

          Branch Saver (5)
          2.80% to 2.90%
          • Variable
          		 £1
          • Interest rates depends on balance
          • Passbook-based account.
          		 No Immediate withdrawal by cheque from branch is £50,000 only. Yes
          View full details

          Everyday Saver (3)
          2.75% to 2.85%
          • Variable
          		 £100
          • Interest rates depend on balance
          • Open & manage online.
          		 No 12 allowed annually. Yes
          View full details

          Family Offset Account (1)
          0%
          • Mortgage linked
          		 £5,000
          • No interest is paid on this account
          • The Family Offset Account can only be opened by a family member of a Family Mortgage applicant requiring the rate reduction provided by this account
          • The account can only be applied for and operated by post
          		 No Withdrawals or account closure are only available following a review of the linked Family Mortgage No
          View full details

          Offset Saver (1)
          0%
          • Mortgage linked
          		 £100
          • No interest is paid on this account
          • The Offset Saver can only be opened by the borrower(s) under an Offset Mortgage or their family member
          • The account can only be applied for and operated online
          		 No Available without notice or access charge, min withdrawal £100 No
          Full details and apply

          Family Security Account (1)
          3.55%
          • Mortgage linked
          		 £5,000
          • The Family Security Account can only be opened by a family member of a Family Mortgage applicant requiring the security provided by this account
          • The account can only be applied for and operated by post
          		 No Withdrawals or account closure are only available following a review of the linked Family Mortgage No
          View full details

          Junior Saver (2)
          3.75% to 4.00%
          • Variable
          		 £1
          • Interest rates depend on balance
          • Open and manage by post or in branch.
          		 No 12 allowed annually. Yes
          View full details

          Comparing two savings accounts

          Savings icon Savings icon
          Product DYNAMIC DYNAMIC
          Annual interest (AER gross) DYNAMIC DYNAMIC
          Account type DYNAMIC DYNAMIC
          Minimum opening amount DYNAMIC DYNAMIC
          Additional information DYNAMIC DYNAMIC
          Monthly interest option? DYNAMIC DYNAMIC
          Withdrawal limits DYNAMIC DYNAMIC
          Available to new customers DYNAMIC DYNAMIC

          Note that products are subject to additional terms and subject to change. See a product's full details to find out more.

          Your savings are protected.

          FSCS - Your savings are protected 
          Annual interest (AER gross) Account rate type Minimum opening amount Additional information Monthly interest option? Withdrawal limits Available to new customers?

          1 Year Fixed Rate Bond (55)
          4.00% to 4.20%
          • Fixed
          		 £1,000

          This account is available to new and existing customers.

          		 Yes Not permitted. Yes
          View full details

          5 Year Fixed Rate Bond (39)
          3.80% to 4.00%
          • Fixed
          		 £1,000

          This account is available to new and existing customers.

          		 Yes Not permitted. Yes
          View full details

          3 Year Fixed Rate Bond (45)
          3.80% to 4.00%
          • Fixed
          		 £1,000 This account is available to new and existing customers. Yes Not permitted. Yes
          View full details

          3 Year Fixed Rate Cash ISA (31)
          3.90%
          • Fixed
          		 £1,000

          This account is available to new and existing customers.

            		 No Withdrawals not permitted. Early Access Charge applies if account closed prior to maturity. Yes
            View full details

            5 Year Fixed Rate Cash ISA (34)
            3.90%
            • Fixed
            		 £1,000 This account is available to new and existing customers.
              		 No Withdrawals not permitted. Early Access Charge applies if account closed prior to maturity. Yes
              View full details

              2 Year Fixed Rate Bond (45)
              3.85% to 4.05%
              • Fixed
              		 £1,000

              This account is available to new and existing customers.

              		 Yes Not permitted. Yes
              View full details

              Market Tracker Cash ISA (2)
              4.37%
              • Tracker
              • Variable
              		 £1

              Apply and manage online, by post or at our Epsom branch

              		 No Unlimited Yes
              View full details

              Market Tracker Saver (1)
              4.32%
              • Tracker
              • Variable
              		 £1

              Open online, by post or in branch.

              		 No £25,000 per day, per account | 20 allowed annually. Yes
              View full details

              35 Day Notice Saver (3)
              3.40% to 3.75%
              • Variable
              		 £1,000
              • Interest rates depend on balance
              • Apply online, by post or in branch.
              		 Yes After 35 days notice. Yes
              View full details

              1 Year Fixed Rate Cash ISA (38)
              4.10%
              • Fixed
              		 £1,000 This account is available to new and existing customers.
                		 No Withdrawals not permitted. Early Access Charge applies if account closed prior to maturity. Yes
                View full details

                2 Year Fixed Rate Cash ISA (33)
                3.95%
                • Fixed
                		 £1,000

                This account is available to new and existing customers.

                  		 No Withdrawals not permitted. Early Access Charge applies if account closed prior to maturity. Yes
                  View full details

                  35 Day Notice Cash ISA (3)
                  3.55% to 3.75%
                  • Variable
                  		 £3,000.

                  Open online, by post or in branch

                  		 No After 35 days' notice. Also Available without notice subject to the loss of 35 days' interest on the total amount withdrawn. Yes
                  View full details

                  Windfall Bond
                  3.50%
                  • Variable
                  		 £10,000 Open online, by post or in branch. No No withdrawals. Closure after 35 days' notice. Yes
                  View full details

                  Flexible ISA (3)
                  2.85%
                  • Variable
                  		 £500
                  • Manage online.
                  		 No 12 allowed annually. Yes
                  View full details

                  Branch Saver (5)
                  2.80% to 2.90%
                  • Variable
                  		 £1
                  • Interest rates depends on balance
                  • Passbook-based account.
                  		 No Immediate withdrawal by cheque from branch is £50,000 only. Yes
                  View full details

                  Everyday Saver (3)
                  2.75% to 2.85%
                  • Variable
                  		 £100
                  • Interest rates depend on balance
                  • Open & manage online.
                  		 No 12 allowed annually. Yes
                  View full details

                  Family Offset Account (1)
                  0%
                  • Mortgage linked
                  		 £5,000
                  • No interest is paid on this account
                  • The Family Offset Account can only be opened by a family member of a Family Mortgage applicant requiring the rate reduction provided by this account
                  • The account can only be applied for and operated by post
                  		 No Withdrawals or account closure are only available following a review of the linked Family Mortgage No
                  View full details

                  Offset Saver (1)
                  0%
                  • Mortgage linked
                  		 £100
                  • No interest is paid on this account
                  • The Offset Saver can only be opened by the borrower(s) under an Offset Mortgage or their family member
                  • The account can only be applied for and operated online
                  		 No Available without notice or access charge, min withdrawal £100 No
                  Full details and apply

                  Family Security Account (1)
                  3.55%
                  • Mortgage linked
                  		 £5,000
                  • The Family Security Account can only be opened by a family member of a Family Mortgage applicant requiring the security provided by this account
                  • The account can only be applied for and operated by post
                  		 No Withdrawals or account closure are only available following a review of the linked Family Mortgage No
                  View full details

                  Junior Saver (2)
                  3.75% to 4.00%
                  • Variable
                  		 £1
                  • Interest rates depend on balance
                  • Open and manage by post or in branch.
                  		 No 12 allowed annually. Yes
                  View full details

                  Comparing two savings accounts

                  Savings icon Savings icon
                  Product DYNAMIC DYNAMIC
                  Annual interest (AER gross) DYNAMIC DYNAMIC
                  Account type DYNAMIC DYNAMIC
                  Minimum opening amount DYNAMIC DYNAMIC
                  Additional information DYNAMIC DYNAMIC
                  Monthly interest option? DYNAMIC DYNAMIC
                  Withdrawal limits DYNAMIC DYNAMIC
                  Available to new customers DYNAMIC DYNAMIC

                  Note that products are subject to additional terms and subject to change. See a product's full details to find out more.

                  Over 125 years looking after people's money

                  For a long time we've been trusted to help people save for homes, holidays & more with a more small scale, personal approach as shown in our awards.



                  More about who we areView our awards

                  Contact our expert UK team

                  New enquiries

                  Savings - 03330 140141

                  Mortgages - 03330 140140

                  newbusiness@familybsoc.co.uk

                  Existing customers

                  Savings - 03330 140144
                   savings.service@familybsoc.co.uk

                  Mortgages - 03330 140146
                   mortgage.service@familybsoc.co.uk

                  ...or ask the way that suits you.

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                  Ashley Square, Epsom, Surrey, KT18 5DD.

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