Superseded accounts


Useful Information

Accounts no longer available to new investors or no longer promoted


Interest rate page updated 01/04/09.

AmountGross Rate % p.a.AER % (Variable)Net % p.a.Current
Rates
Effective From
PreviousCurrentPreviousCurrentPreviousCurrent
Direct Saver Plus (Monthly interest excluding conditional bonus. Withdrawals made)
£5,000 +-0.50-0.50-0.40N/A
£1 - £4,999-0.10-0.10-0.08N/A
Direct Saver Plus (Monthly interest including conditional bonus. No withdrawals made)*
£5,000 +-2.72-2.75-2.18N/A
£1 - £4,999-0.10-0.10-0.08N/A

* The standard rate of interest of 0.50% Gross (variable) and the 12 month conditional bonus of 2.22% Gross p.a. (fixed) are paid only in months where you don't make any withdrawals and maintain a balance of £5,000 or more. If your balance falls below £5,000 you will earn the nominal rate of interest of 0.10% Gross (variable). Interest is calculated daily and paid on the last business day of each month. Interest rates are subject to variation.

Last updated on: 27 July 2009.

Regular Saver (Interest paid at the end of term)
£25 - £250 per month-5.00-5.00-4.0027/07/2009
Instant Saver(Annual Interest)
£3,000 +-0.50-0.50-0.4027/07/2009
£1 - £2,999-0.20-0.20-0.1627/07/2009
Cash ISA Plus
£1 +3.513.013.513.01-n/a11/12/2009
Cash ISA Plus (packaged offer - 0.5% bonus for 12 months)
£1 +4.013.514.013.51-n/a11/12/2009
R15 Account (Interest Paid Quarterly)
£1 +0.900.400.900.400.720.3201/04/2009
Gold Deposit Account (Annual Interest)
£1 +0.550.100.550.100.440.0803/11/2008
Gold Deposit Account (Quarterly Interest)
£1 +0.500.100.500.100.400.0803/11/2008
30 Day Savings Account (Annual Interest)
£50,000 +1.400.101.400.101.120.0801/12/2008
£25,000 - £49,9991.150.101.150.100.920.0801/12/2008
£10,000 - £24,9991.000.101.000.100.800.0801/12/2008
£5,000 - £9,9990.450.100.450.100.360.0801/12/2008
£1 - £4,9990.150.100.150.100.120.0801/12/2008
30 Day Savings Account (Monthly Interest)
£50,000 +1.200.101.210.100.960.0801/12/2008
£25,000 - £49,9990.950.100.950.100.760.0801/12/2008
£10,000 - £24,9990.800.100.800.100.640.0801/12/2008
£5,000 - £9,9990.250.100.250.100.200.0801/12/2008
£1 - £4,9990.100.100.100.100.080.0801/12/2008
60 Day Savings Account (Annual Interest)
£50,000 +0.600.100.600.100.480.0802/01/2009
£25,000 - £49,9990.350.100.350.100.280.0802/01/2009
£1 - £24,9990.100.100.100.100.080.0802/01/2009
60 Day Savings Account (Monthly Interest)
£50,000 +0.500.100.500.100.400.0802/01/2009
£25,000 - £49,9990.250.100.250.100.200.0802/01/2009
£1 - £24,9990.100.100.100.100.080.0802/01/2009
Bonus 90 Account (Monthly Interest) *
£100,000 +1.901.100.900.101.520.8802/01/2009
£50,000 - £99,9991.851.100.850.101.480.8802/01/2009
£25,000 - £49,9991.601.100.600.101.280.8802/01/2009
£10,000 - £24,9991.301.100.300.101.040.8802/01/2009
£1 - £9,9991.101.100.100.100.880.8802/01/2009
* The gross and net rates quoted include a 1% gross p.a. (0.80% net p.a.) bonus. We calculate the bonus on a daily basis from the date of payment of the previous bonus (where you have made no withdrawals) or the date of the last withdrawal, whichever is more recent.
60 Day ISA (Annual Interest)
£21,000 +0.450.100.450.10N/AN/A01/04/2009
£15,000 - £20,9990.350.100.350.10N/AN/A01/04/2009
£9,000 - £14,9990.250.100.350.10N/AN/A01/04/2009
£1 - £8,9990.100.100.100.10N/AN/A01/04/2009
Cash ISA - TESSA Funds
£9,000+0.350.100.350.10N/AN/A01/04/2009
£1 - £8,9990.100.100.100.10N/AN/A01/04/2009
Savings Account (Annual Interest)
£1+0.550.100.550.100.440.0803/11/08
Postal Plus Account / Phone Plus Account / Special Edition Savings Account (Annual Interest)
£50,000 +0.300.100.300.100.240.0802/03/2009
£25,000 - £49,9990.150.100.150.100.120.0802/03/2009
£1,000 - £24,9990.100.100.100.100.080.0802/03/2009
Pensioner Fixed Rate Account Issue 286
£50,000 +4.004.004.074.073.203.2002/03/2009
£25,000 - £49,9993.503.503.563.562.802.8002/03/2009
£5,000 - £24,9993.003.003.043.042.402.4002/03/2009
Combi Saver 'Green Edition' Issue 6 'Special Instant Access Savings Account' (Quarterly Interest)*
On balances up to the same amount invested in the Fixed Term Deposit in the first six months from the start dateN/A3.45N/A3.50N/A2.7621/12/2009
On balances over the amount invested in the Fixed Term Deposit in the first six months from start date and all deposits after the first six months from the start dateN/A0.50N/A0.50N/A0.4021/12/2009
Combi Saver 'Green Edition' Issue 5 'Special Instant Access Savings Account' (Quarterly Interest)*
On balances up to the same amount invested in the Fixed Term Deposit in the first six months from the start dateN/A3.45N/A3.50N/A2.7618/09/2009
On balances over the amount invested in the Fixed Term Deposit in the first six months from start date and all deposits after the first six months from the start dateN/A0.50N/A0.50N/A0.4018/09/2009
Combi Saver 'Green Edition' Issue 4 'Special Instant Access Savings Account' (Quarterly Interest)*
On balances up to the same amount invested in the Fixed Term Deposit in the first six months from the start dateN/A3.45N/A3.50N/A2.7610/07/2009
On balances over the amount invested in the Fixed Term Deposit in the first six months from start date and all deposits after the first six months from the start dateN/A0.50N/A0.50N/A0.4010/07/2009
Combi Saver 'Green Edition' Issue 3 'Special Instant Access Savings Account' (Quarterly Interest)*
On balances up to the same amount invested in the Fixed Term Deposit in the first six months from the start date3.943.464.003.503.152.7706/03/2009
On balances over the amount invested in the Fixed Term Deposit in the first six months from start date and all deposits after the first six months from the start date1.491.001.501.001.190.8006/03/2009
Combi Saver 'Green Edition' Issue 2 'Special Instant Access Savings Account' (Quarterly Interest)*
On balances up to the same amount invested in the Fixed Term Deposit in the first year from the start date2.972.483.002.502.371.9806/03/2009
On balances over the amount invested in the Fixed Term Deposit in the year from start date and all deposits after the first year from the start date0.500.500.500.500.400.4006/03/2009
Combi Saver 'Green Edition' Issue 1 'Special Instant Access Savings Account' (Quarterly Interest)*
On balances up to the same amount invested in the Fixed Term Deposit in the first year from the start date3.943.464.003.503.152.7706/03/2009
On balances over the amount invested in the Fixed Term Deposit in the year from start date and all deposits after the first year from the start date0.500.500.500.500.400.4006/03/2009
Issue 6 Start Date: 21 December 2009
Issue 5 Start Date: 18 September 2009
Issue 4 Start Date: 10 July 2009
Issue 3 Start Date: 5 March 2009
Issue 2 Start Date: 22 December 2008
Issue 1 Start Date: 3 October 2008

* The Special Instant Access Savings Account is the instant access element of the Combi Saver 'Green Edition available periodically to Private Banking customers only. Interest rates are linked to Base Rate and will change in line with any Base Rate increases or decreases.

Gross rate

Gross rate means the interest rate you are paid before the deductions of the income tax.

Annual Equivalent Rate (AER)

This is the notional rate used for interest bearing accounts which illustrates what the gross credit interest rate (excluding any bonus payable) would be if paid and compounded on an annual basis.

Net Rate

This is the interest rate you are paid after the deduction of income tax.