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  • Savings products - In preparation of the launch of our new and improved Online Service we have temporarily withdrawn online applications for all our savings products.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.

Our variable rate savings accounts have decreased

Interest rates on the majority of our variable savings accounts have decreased from 11 March 2025.

The interest rates on the majority of our variable rate savings products have decreased from 11 March 2025 – you can find full details below. We have notified those customers affected by email or by letter.

Please note that some of our savings accounts listed below are not currently available for new account openings. If you would like to see details of our current saving accounts please click here.

 

AccountMinimum Balance Current Rate Gross Current Rate Gross AER#New Rate Gross New Rate Gross AER#
Premium Saver (1)*~, (2)*~     
Annual interest£5,000+3.80%3.80%3.55%3.55%
(Rate effective from 11 March 2025)     
      
Premium Saver (3)*~     
Annual interest£15,000+3.80%3.80%3.55%3.55%
(Rate effective from 11 March 2025)     
      
Premium Saver (4)*~     
Annual interest£10,000+3.80%3.80%3.55%3.55%
(Rate effective from 11 March 2025)     
      
Premium Saver (5)*~, (6)*~     
Annual interest£1,000+3.80%3.80%3.55%3.55%
(Rate effective from 11 March 2025)     

 

AccountMinimum Balance Current Rate Gross Current Rate Gross AER#New Rate Gross New Rate Gross AER#
Everyday Saver (1), (2), (3)     
Annual interest£50,000+3.10%3.10%2.85%2.85%
(Rate effective from 11 March 2025)£100+3.00%3.00%2.75%2.75%
      
Branch Saver (1), (2), (3), (4), (5)     
Annual interest£500+3.15%3.15%2.90%2.90%
(Rate effective from 11 March 2025)£1+3.05%3.05%2.80%2.80%
      
Online Saver (1)*, (2)*, (3)*, (4)*     
Annual interest£100+3.80%3.80%3.55%3.55%
(Rate effective from 11 March 2025)     
      
AccountMinimum Balance Current Rate Gross Current Rate Tax-free^AER#New Rate Gross New Rate Tax-free^AER#
Flexible ISA (1), (2), (3)     
Annual interest£500+3.10%3.10%2.85%2.85%
(Rate effective from 11 March 2025)    

AccountMinimum Balance Current Rate Gross Current Rate Gross AER#New Rate Gross New Rate Gross AER#
Capital 90 (1) ~     
Annual interest£20,000+4.85%4.85%4.60%4.60%
(Rate effective from 6 April 2025)     
      
Monthly interest£20,000+4.73%4.83%4.48%4.57%
(Rate effective from 6 April 2025)     
      
Capital 90 (1) ~


Annual interest£20,000+4.60%4.60%4.35%4.35%
(Rate effective from 9 June 2025)     
      
Monthly interest£20,000+4.48%4.57%4.23%4.31%
(Rate effective from 9 June 2025)     
      
Capital 90 (2) ~     
Annual interest £20,000+4.85%4.85%4.60%4.60%
(Rate effective from 6 April 2025)     
      
Monthly interest£20,000+4.73%4.83%4.48%4.57%
(Rate effective from 6 April 2025)     
      
Capital 90 (2) ~     
Annual interest £20,000+4.60%4.60%4.35%4.35%
(Rate effective from 9 June 2025)     
      
Monthly interest£20,000+4.48%4.57%4.23%4.31%
(Rate effective from 9 June 2025)     
      
Capital 120 (1)
    
Annual interest£1,000+4.90%4.90%4.65%4.65%
(Rate effective from 6 May 2025)     
      
Monthly interest£1,000+4.78%4.89%4.53%4.63%
(Rate effective from 6 May 2025)     
      
Capital 120 (1)     
Annual interest£1,000+4.65%4.65%4.40%4.40%
(Rate effective from 9 July 2025)     
      
Monthly interest£1,000+4.53%4.63%4.28%4.36%
(Rate effective from 9 July 2025)     
AccountMinimum Balance Current Rate Gross Current Rate Gross AER#New Rate Gross New Rate Gross AER#
Junior Saver (1), (2)     
Annual interest£3,000+4.25%4.25%4.00%4.00%
(Rate effective from 11 March 2025)£1,000+4.00%4.00%3.75%3.75%
 £1+4.00%4.00%3.75%3.75%
      
AccountMinimum Balance Current Rate Gross Current Rate Tax-free^AER#New Rate Gross New Rate Tax-free^AER#
Junior Cash ISA (1), (2)     
Annual interest£3,000+4.35%4.35%4.10%4.10%
(Rate effective from 25 April 2025)£1,000+4.10%4.10%3.85%3.85
 £1+4.10%4.10%3.85%3.85
AccountMinimum Balance Current Rate Gross Current Rate Gross AER#New Rate Gross New Rate Gross AER#
Family Security Account (1)     
Annual interest£5,000+3.80%3.80%3.55%3.55%
(Rate effective from 11 March 2025)     
     

Notes:

#AER stands for Annual Equivalent Rate and illustrates what the annual rate would be if interest was compounded.

^Interest is paid tax-free as it is currently exempt from income tax. The future tax treatment of Individual Savings Accounts may vary.

*A maximum withdrawal limit of £25,000 per day, per account applies. 

~ No additional funds can be paid into these account(s).

 

Do you need our help?

If you have questions or need our help please contact our friendly Savings Service Team.

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