Savings accounts interest rates.

Finding the right interest rate for your savings accounts can sometimes be harder than it should be. That's why we've put all our rates in one place, including our 2016/17 cash ISA interest rates.

Please note interest paid before 6th April 2016 will have been paid net (unless you registered the account with us to receive gross interest). Net is the rate of interest payable after allowing for the deduction of income tax at the rate specified by law (20%).

From 6th April 2016 interest is paid Gross, this means that we will not deduct tax automatically from your interest. Depending on your personal circumstances, you may need to pay tax on the interest you earn and it will be your responsibility to pay any tax you may owe to HM Revenue and Customs (HMRC).

Current interest rates

Accounts no longer available

If the account you’re looking for isn’t in the lists above, please view our previous accounts (PDF) to find out the interest rates for accounts no longer available to new or existing customers.

Previous interest rates

These rates applied to our personal savings accounts.

Everyday Saver
Help to Buy: ISA
ISA Saver Variable
Junior Cash ISA
Young Saver

Everyday Saver

Rates valid between Balance   Annual rates Monthly rates
Gross/AER Net Gross p.a. AER Net p.a.
12th September 2011 & 10th November 2012 £1+ Including bonus 2.00% 1.60% 1.98% 2.00% 1.58%
Excluding bonus 0.50% 0.40% 0.48% 0.50% 0.38%
11th November 2012 & 3rd May 2013 £1+ Including bonus 1.50% 1.20% 1.49% 1.50% 1.19%
Excluding bonus 0.50% 0.40% 0.50% 0.50% 0.40%
4th May 2013 & 13th January 2014 £1+ Including bonus 1.00% 0.80% 1.00% 1.00% 0.80%
Excluding bonus 0.50%
0.40% 0.50% 0.50% 0.40%
14th January 2014 & 11th April 2014 £1+ Including bonus 0.75% 0.60% 0.75% 0.75% 0.60%
Excluding bonus 0.50% 0.40% 0.50% 0.50% 0.40%
12th April 2014 & 11th September 2015 £1+ Including bonus 0.75% 0.60% N/A
Excluding bonus 0.25% 0.20% N/A
12th September 2015 & 7th December 2015
£1+
0.75% 0.60% N/A
8th December 2015 & 14th March 2016 £1+ 0.50% 0.40% N/A

 


Help to Buy: ISA

Rates valid before
Annual rates
Balance Tax free/AER
03/05/2016
£1+
4.00%

ISA Saver Variable

Rates valid between Balance   Tax free/AER
12th September 2011 & 4th March 2012 £1+ Including bonus 2.40%
Excluding bonus 0.50%
5th March 2012 & 25th May 2012 £1+ Including bonus 2.75%
Excluding bonus 0.50%
26th May 2012 & 1st September 2012 £1+ Including bonus 2.50%
Excluding bonus 0.50%
2nd September 2012 & 12th October 2012 £1+ Including bonus 2.40%
Excluding bonus 0.50%
13th October 2012 & 1st December 2012 £1+ Including bonus 2.00%
Excluding bonus 0.50%
2nd December 2012 & 1st February 2013 £1+ Including bonus 1.60%
Excluding bonus 0.50%
2nd February 2013 & 3rd May 2013 £1+ Including bonus 1.75%
Excluding bonus 0.50%
4th May 2013 & 21st October 2013 £1+ Including bonus 1.25%
Excluding bonus 0.50%
22nd October 2013 & 10th March 2014 £1+ Including bonus 1.00%
Excluding bonus 0.50%
11th March 2014 & 19th May 2014 £1+ Including bonus 1.50%
Excluding bonus 0.50%
20th May 2014 & 30th June 2014 £1+ Including bonus 1.25%
Excluding bonus 0.50%
1st July 2014 & 11th August 2014 £1+ Including bonus 1.45%
Excluding bonus 0.50%
12th August 2014 & 8th December 2014 £1+ Including bonus 1.20%
Excluding bonus 0.50%
9th December 2014 & 11th May 2015 £1+ Including bonus 1.00%
Excluding bonus 0.50%
12th May 2015 & 11th September 2015 £1+ Including bonus 0.80%
Excluding bonus 0.50%
12th September 2015 & 7th December 2015
£1+ 0.80%

 


Junior Cash ISA

Rates valid between   Balance Tax free/AER
13th February 2012 & 7th July 2014 If the adult registered contact holds a Halifax cash ISA* or for children 16 and over £1+ 6.00%
If the adult registered contact doesn't hold a Halifax cash ISA £1+ 3.00%
8th July 2014 & 6th June 2016 If the adult registered contact holds a Halifax cash ISA* or for children 16 and over £1+ 4.00%
If the adult registered contact doesn't hold a Halifax cash ISA £1+ 3.00%

6% tax free/AER was also valid until 12th January 2015 on accounts that were opened prior to 7th July 2014 and the registered contact holds a Halifax cash ISA, or for children aged 16 and over.

* Where the adult Registered Contact for the Junior Cash ISA holds a Halifax cash ISA with a minimum balance of £1 the Relationship Interest rate will apply to the Junior Cash ISA, for children under 16. If the adult registered contact's Halifax cash ISA balance falls below £1, the account is closed or transferred, the relationship interest rate will no longer apply to the Junior Cash ISA. The Relationship Interest will also apply to all Junior Cash ISAs where the child is 16 or over whether or not the Registered Contact has a qualifying Halifax cash ISA. If at any time, you decide you don't want the Junior Cash ISA to receive the relationship interest rate, please let your local branch know.


Young Saver

Young Saver – Opened on or after 6th October 2015

Rates valid before Balance Annual rates
Gross/AER Net
8th December 2015 £1 - £20,000 2.25% 1.80%
£20,000 + 0.50% 0.40%

Young Saver – Opened between 23rd April 2013 and 5th October 2015

Rates valid before Balance Annual rates
Gross/AER Net
12th January 2016 £1 - £20,000 3.00% 2.40%
£20,000 + 0.50% 0.40%

Young Saver – Opened before 23rd April 2013

Rates valid before Balance Annual rates
Gross/AER Net
12th January 2016 £1+
3.00% 2.40%

Accounts no longer available

If the account you’re looking for isn’t in the list above, please view our previous accounts (PDF) to find out the interest rates for accounts no longer available to new or existing customers.

Non-UK residents

Please note that from September 2011, Halifax no longer accepts declarations for gross interest from non-UK residents. These rates are only applicable for accounts registered prior to that date.


If you are a non-UK resident and wish to find out about the savings products that may be available to you, please call the International Banking team on 0800 876 6555 (or +44 207 451 6212 if calling from abroad). Lines are open Mon-Fri 8am - 6pm and Sat 9:30am - 1.30pm UK local time.

For a definition of AER, Gross and other terms, please view our savings glossary.