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On Thursday 7 November, the Bank of England decreased the base rate to 4.75%. As a result, we’ve reduced the rates on our variable rate savings accounts.
We’ll write to our existing members to confirm our new interest rate(s) which will take effect from 3 December.
E-Saver Plus - Issue 4
Online only
Interest Rate
4.51%
Gross/AER Variable
Key Information
- Manage your money quickly and easily online
- Open an account with just £100
- Save up to £1,000,000 in your account
- Designed for those who can withdraw 4 times or fewer per year
Withdrawals Permitted
Yes
Opening Balance
£100 minimum
Interest Rate
4.51%
Gross/AER Variable
More
Less
Saver Plus - Issue 4
Face to Face or by Post
Interest Rate
4.51%
Gross/AER Variable
Key Information
- The account can be opened face to face in our Relationship Centres or by post
- Open an account with as little as £100, up to £1,000,000
- Designed for those who can withdraw 4 times or fewer per year
- Passbook based savings account
Withdrawals Permitted
Yes
Opening Balance
£100 minimum
Interest Rate
4.51%
Gross/AER Variable
More
Less
Member Savings Bond 192
Face to Face or by Post
Interest Rate
4.00%
Gross/AER Fixed
Key Information
- 4.00% Gross/AER fixed until 24 February 2027
- You can invest from £500 up to £1,000,000 in each bond
- Typically offers a higher interest rate than our Savings Bonds
- Accounts can be opened in our Relationship Centres or by post by existing members who have held a product with us for at least 12 consecutive months prior to the date of application
Withdrawals Permitted
No
Opening Balance
£500 minimum
Interest Rate
4.00%
Gross/AER Fixed
More
Less
Member Savings Bond 186
Face to Face or by Post
Interest Rate
4.20%
Gross/AER Fixed
Key Information
- 4.20% Gross/AER fixed until 27 May 2026
- You can invest from £500 up to £1,000,000 in each bond
- Typically offers a higher interest rate than our Savings Bonds
- Accounts can be opened in our Relationship Centres or by post by existing members who have held a product with us for at least 12 consecutive months prior to the date of application
Withdrawals Permitted
No
Opening Balance
£500 minimum
Interest Rate
4.20%
Gross/AER Fixed
More
Less
Member Savings Bond 191
Face to Face or by Post
Interest Rate
4.25%
Gross/AER Fixed
Key Information
- 4.25% Gross/AER fixed until 28 January 2026
- You can invest from £500 up to £1,000,000 in each bond
- Typically offers a higher interest rate than our Savings Bonds
- Accounts can be opened in our Relationship Centres or by post by existing members who have held a product with us for at least 12 consecutive months prior to the date of application
Withdrawals Permitted
No
Opening Balance
£500 minimum
Interest Rate
4.25%
Gross/AER Fixed
More
Less
E-Savings Bond 194
Online only
Interest Rate
3.90%
Gross/AER Fixed
Key Information
- 3.90% Gross/AER fixed until 24 February 2027
- You can invest from £500 up to £1,000,000 in each bond
- Ideal for lump sum deposits
- Open and manage online
Withdrawals Permitted
No
Opening Balance
£500 minimum
Interest Rate
3.90%
Gross/AER Fixed
More
Less
E-Savings Bond 189
Online only
Interest Rate
4.10%
Gross/AER Fixed
Key Information
- 4.10% Gross/AER fixed until 27 May 2026
- You can invest from £500 up to £1,000,000 in each bond
- Ideal for lump sum deposits
- Open and manage online
Withdrawals Permitted
No
Opening Balance
£500 minimum
Interest Rate
4.10%
Gross/AER Fixed
More
Less
E-Savings Bond 193
Online only
Interest Rate
4.20%
Gross/AER Fixed
Key Information
- 4.20% Gross/AER fixed until 28 January 2026
- You can invest from £500 up to £1,000,000 in each bond
- Ideal for lump sum deposits
- Open and manage online
Withdrawals Permitted
No
Opening Balance
£500 minimum
Interest Rate
4.20%
Gross/AER Fixed
More
Less
Savings Bond 194
Face to Face or by Post
Interest Rate
3.90%
Gross/AER Fixed
Key Information
- 3.90% Gross/AER fixed until 24 February 2027
- You can invest from £500 up to £1,000,000 in each bond
- Ideal for lump sum deposits
- The account can be opened face to face in our Relationship Centres or by post
Withdrawals Permitted
No
Opening Balance
£500 minimum
Interest Rate
3.90%
Gross/AER Fixed
More
Less
Savings Bond 189
Face to Face or by Post
Interest Rate
4.10%
Gross/AER Fixed
Key Information
- 4.10% Gross/AER fixed until 27 May 2026
- You can invest from £500 up to £1,000,000 in each bond
- Ideal for lump sum deposits
- The account can be opened face to face in our Relationship Centres or by post
Withdrawals Permitted
No
Opening Balance
£500 minimum
Interest Rate
4.10%
Gross/AER Fixed
More
Less
Savings Bond 193
Face to Face or by Post
Interest Rate
4.20%
Gross/AER Fixed
Key Information
- 4.20% Gross/AER fixed until 28 January 2026
- You can invest from £500 up to £1,000,000 in each bond
- Ideal for lump sum deposits
- The account can be opened face to face in our Relationship Centres or by post
Withdrawals Permitted
No
Opening Balance
£500 minimum
Interest Rate
4.20%
Gross/AER Fixed
More
Less
2 Year Member Fixed Rate ISA - Issue 57
Face to Face or by Post
Interest Rate
4.00%
Tax-Free/AER Fixed
Key Information
- 4.00% Tax-Free/AER fixed until 27 January 2027
- You can invest from £500 up to £1,000,000 in each account
- Typically offers a higher interest rate than our Fixed Rate ISAs
- Accounts can be opened in our Relationship Centres or by post by existing members who have held a product with us for at least 12 consecutive months prior to the date of application
Withdrawals Permitted
Yes, but will incur a penalty of 180 days interest on the amount withdrawn.
Opening Balance
£500 minimum
Interest Rate
4.00%
Tax-Free/AER Fixed
More
Less
1 Year Members Fixed Rate ISA - Issue 58
Face to Face or by Post
Interest Rate
4.15%
Tax-Free/AER Fixed
Key Information
- 4.15% Tax-Free/AER fixed until 3 December 2025
- You can invest from £500 up to £1,000,000 in each account
- Typically offers a higher interest rate than our Fixed Rate ISAs
- Accounts can be opened in our Relationship Centres or by post by existing members who have held a product with us for at least 12 consecutive months prior to the date of application
Withdrawals Permitted
Yes, but will incur a penalty of 90 days interest on the amount withdrawn.
Opening Balance
£500 minimum
Interest Rate
4.15%
Tax-Free/AER Fixed
More
Less
2 Year Fixed Rate E-ISA - Issue 56
Online only
Interest Rate
3.90%
Tax-Free/AER Fixed
Key Information
- 3.90% Tax Free/AER fixed until 27 January 2027
- Guaranteed interest rate for the term of the account
- Typically offers a higher interest rate than our Cash ISA
- Open with a deposit of between £500 and £20,000
Withdrawals Permitted
Yes, but will incur a penalty of 180 days interest on the amount withdrawn.
Opening Balance
£500 minimum
Interest Rate
3.90%
Tax-Free/AER Fixed
More
Less
1 Year Fixed Rate E-ISA - Issue 59
Online only
Interest Rate
4.10%
Tax-Free/AER Fixed
Key Information
- 4.10% Tax Free/AER fixed until 3 December 2025
- Guaranteed interest rate for the term of the account
- Typically offers a higher interest rate than our Cash ISA
- Open with a deposit of between £500 and £20,000
Withdrawals Permitted
Yes, but will incur a penalty of 90 days interest on the amount withdrawn.
Opening Balance
£500 minimum
Interest Rate
4.10%
Tax-Free/AER Fixed
More
Less
2 Year Fixed Rate ISA - Issue 56
Face to Face or by Post
Interest Rate
3.90%
Tax-Free/AER Fixed
Key Information
- 3.90% Tax-free/AER fixed until 27 January 2027
- Guaranteed interest rate for the term of the account
- Typically offers a higher interest rate than our Cash ISA
- Open with a deposit of between £500 and £20,000
Withdrawals Permitted
Yes, but will incur a penalty of 180 days interest on the amount withdrawn
Opening Balance
£500 minimum
Interest Rate
3.90%
Tax-Free/AER Fixed
More
Less
1 Year Fixed Rate ISA - Issue 59
Face to Face or by Post
Interest Rate
4.10%
Tax-Free/AER Fixed
Key Information
- 4.10% Tax-free/AER fixed until 3 December 2025
- Guaranteed interest rate for the term of the account
- Typically offers a higher interest rate than our Cash ISA
- Open with a deposit of between £500 and £20,000
Withdrawals Permitted
Yes, but will incur a penalty of 90 days interest on the amount withdrawn.
Opening Balance
£500 minimum
Interest Rate
4.10%
Tax-Free/AER Fixed
More
Less
E-ISA
Online only
Interest Rate
3.55%
Tax-Free/AER Variable
Key Information
- Tax-free returns to help your savings grow
- Manage your money quickly and easily online
- Deposits can be made at any time during the tax year, subject to your annual ISA allowance
- Open with £100 and save up to £20,000 each tax year
Withdrawals Permitted
Yes
Opening Balance
£100 minimum
Interest Rate
3.55%
Tax-Free/AER Variable
More
Less
Cash ISA
Face to Face or by Post
Interest Rate
3.55%
Tax-Free/AER Variable
Key Information
- Tax-free returns to help your savings grow
- Instant access to your money
- Deposits can be made at any time during the tax year, subject to your annual ISA allowance
- Open with £100 and save up to £20,000 each tax year
Withdrawals Permitted
Yes
Opening Balance
£100 minimum
Interest Rate
3.55%
Tax-Free/AER Variable
More
Less
Online Saver
Online only
Interest Rate
3.50%
Gross/AER Variable
Key Information
- Manage your money quickly and easily online
- Open an account with just £100
- Save up to £1,000,000 in your account
- Deposit and withdraw any time you want
Withdrawals Permitted
Yes
Opening Balance
£100 minimum
Interest Rate
3.50%
Gross/AER Variable
More
Less
Instant Access Saver
Face to Face or by Post
Interest Rate
3.50%
Gross/AER Variable
Key Information
- The account can be opened face to face in our Relationship Centres or by post
- Open an account with as little as £1, up to £1,000,000
- Instant access to your money
- Passbook based savings account
Withdrawals Permitted
Yes
Opening Balance
£1 minimum
Interest Rate
3.50%
Gross/AER Variable
More
Less
Client Account Online
Business Account
Interest Rate
1.90%
Gross/AER Variable
Key Information
- Maximum balance (on each designated account) £2m (unless agreed otherwise)
- Maximum aggregate balance £10m (unless agreed otherwise)
- Separate accounts for each client
- Easy online access to the cleared funds available
Withdrawals Permitted
Yes
Opening Balance
£1 minimum
Interest Rate
1.90%
Gross/AER Variable
More
Less
You can see the current interest rates for all our savings accounts here
We're here to help
You can visit us in our Relationship Centres, or call us on 0333 207 4007. Our lines are open 9am - 5pm Monday to Friday (10am - 5pm Wednesday). Calls may be recorded and/or monitored.
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