Easy Access

Our Easy Access accounts offer competitive rates of interest. Access to your money is subject to the withdrawal restrictions set out below.

In the event that the balance falls below the minimum operating balance as stated within the relevant product details below, the basic savings rate of interest, which is currently 0.05% Gross p.a/ AER (variable) for non-ISA accounts and 0.05% Tax-Free§ p.a. / AER (variable) for Cash ISA accounts, shall apply. The Cash ISA accounts are not Flexible Cash ISAs meaning any amount withdrawn cannot be replaced and will count towards your yearly ISA limit.

 

  • Smart ISA

    Interest rate:

    For balances between £5,000 and £24,999.99:

    0.40% Tax-free§ p.a./AER variable


    For balances between £25,000 and £49,999.99:

    0.50% Tax-free§ p.a./AER variable


    For balances £50,000+:

    0.60% Tax-free§ p.a./AER variable

    • Interest paid: Annually on 31 March.
    • Minimum operating balance: £5,000.
    • Maximum operating balance: The maximum you can invest in the 2020/2021 tax year is £20,000 (less any amount invested in a Stocks and Shares ISA, Innovative Finance ISA and/or Lifetime ISA in the same tax year). You must not exceed the ISA limits in any one tax year.
    • Withdrawals: Access is limited to 5 withdrawals per calendar year (including account closure), without notice or loss of interest, subject to the minimum balance of £5,000 being maintained. Further withdrawals (including account closure) will be subject to 30 days loss of interest on an equivalent amount to that withdrawn.

    The maximum you can invest in the 2020/2021 tax year is £20,000 (less any amount invested in a Stocks and Shares ISA, Innovative Finance ISA and/or Lifetime ISA in the same tax year). You must not exceed the ISA limits in any one tax year. The account may be closed for further deposits at any time. This will be done on a minimum of 30 days’ written notice, after which you will not be able to deposit further funds.

    Full details
  • ISA Saver

    Interest rate:

    0.15% Tax-free§ p.a./AER variable

    • Interest paid: Annually on 05 April
    • Minimum operating balance: £1.
    • Maximum balance: The maximum you can invest in the 2020/2021 tax year is £20,000 (less any amount invested in a Stocks and Shares ISA, Innovative Finance ISA and/or Lifetime ISA in the same tax year). You must not exceed the ISA limits in any one tax year.
    • Withdrawals: Unlimited withdrawals can be made without notice or loss of interest, subject to the minimum operating balance of £1 being maintained.

    The maximum you can invest in the 2020/2021 tax year is £20,000 (less any amount invested in a Stocks and Shares ISA, Innovative Finance ISA and/or Lifetime ISA in the same tax year). You must not exceed the ISA limits in any one tax year. The account may be closed for further deposits at any time. This will be done on a minimum of 30 days’ written notice, after which you will not be able to deposit further funds.

    Full details
  • Smart Saver

    Interest rate:
    For balances between £5,000 and £24,999.99:

    0.40% Gross p.a./AER variable

    For balances between £25,000 and £49,999.99:

    0.50% Gross p.a./AER variable

    For balances between £50,000 and £250,000:

    0.60% Gross p.a./AER variable

    The maximum amount you can invest is £250,000 (the same limit applies to joint accounts) including accrued interest. If the balance exceeds £250,000 the interest rate that shall apply to the whole balance will be 0.15% Grossp.a/AER variable.

    • Interest paid: Annually on 30 September.
    • Minimum operating balance: £5,000.
    • Maximum balance: £250,000 (the same limit applies to joint accounts) including accrued interest.
    • Withdrawals: Limited to 5 withdrawals per calendar year (including account closure) without notice or loss interest, subject to the minimum balance of £5,000 being maintained. Further withdrawals (including account closure) will be subject to 30 days' loss of interest on an equivalent amount to that withdrawn.

    The account may be closed for further deposits at any time. This will be done on a minimum of 30 days’ written notice, after which you will not be able to deposit further funds.

    Full details
  • Limited Issue Online Access Account (Issue 13)

    Interest rate:

    0.85% Gross p.a./AER variable

    The term is fixed until 01 September 2021

    • Interest paid: Interest is calculated daily and paid on maturity (01 September 2021)
    • Minimum operating balance: £1,000
    • Maximum balance: Maximum balance: £1,000,000, £2,000,000 for joint accounts, plus accrued interest credited to the account.
    • Withdrawals: Unlimited withdrawals can be made to your Nominated Accounts (as defined in the General Conditions) without notice or loss of interest, subject to the minimum balance of £1,000 being maintained.

    The account may be closed for further deposits at any time. This will be done on a minimum of 30 days’ written notice, after which you will not be able to deposit further funds.

    Full details
  • Limited Issue Online Access Cash ISA (Issue 23)

    Interest rate:

    0.65% Tax-free§ p.a./AER variable

    The term is fixed until 01 September 2021

    • Interest paid: Calculated daily and paid on maturity (01 September 2021).
    • Minimum operating balance: £1,000.
    • Maximum operating balance: The maximum you can invest in the 2020/2021 tax year is £20,000 (less any amount invested in a Stocks and Shares ISA, Innovative Finance ISA and/or Lifetime ISA in the same tax year). You must not exceed the ISA limits in any one tax year.
    • Withdrawals: Unlimited withdrawals can be made to your Nominated Accounts (as defined in the General Conditions) without notice or loss of interest, subject to the minimum balance of £1,000 being maintained.

    The account may be closed for further deposits at any time. This will be done on a minimum of 30 days’ written notice, after which you will not be able to deposit further funds.

    Full details
  • Access Saver

    Interest rate:

    0.15% Gross p.a./AER variable

    • Interest paid: Annually on 31 May
    • Minimum operating balance: £1
    • Maximum balance: £1,000,000 (£2,000,000 for joint accounts) plus accrued interest to the account
    • Withdrawals: Unlimited subject to the minimum balance of £1 being maintained

    This account may be closed for further deposits upon a minimum of 30 days' written notice after which you will not be able to invest further funds.

    Full details
  • Blue & Amber (Issue 8)

    Interest rate:

    0.15% Gross p.a./AER variable

    • Interest paid: Annually on 31 October
    • Minimum operating balance: £1
    • Maximum operating balance: £20,000 plus accrued interest credited to the account
    • Withdrawals: Unlimited withdrawals, subject to maintaining the minimum operating balance of £1

    This account may be closed for further deposits upon a minimum of 30 days’ written notice.

    Full details