Personal rates.

The savings interest rates shown below apply to our personal savings accounts.

Current variable rate accounts

Everyday Saver

Rates valid from Balance Annual rates
Gross/AER Net
insertAsset 08/12/2015 £1+ insertAsset0.50% insertAsset0.40%

After 12 months, the Everyday Saver account automatically changes to Instant Saver.

Find out more about an Everyday Saver.


Help to Buy: ISA

Rates valid from Annual rates
Balance Tax free/AER
insertAsset 01/12/2015 £1+ insertAsset 4.00%

Find out more about a Help to Buy: ISA.


ISA Saver Variable

Rates valid from Balance Tax free/AER
insertAsset 08/12/2015 £1+ insertAsset 0.60%

After 12 months, the ISA Saver Variable account automatically changes to Instant ISA Saver.

Find out more about an ISA Saver Variable.


Junior Cash ISA

Rates valid from   Balance Tax free/AER
insertAsset08/07/2014 If the adult registered contact holds a Halifax cash ISA* or for children 16 and over £1+ insertAsset4.00%
If the adult registered contact doesn't hold a Halifax cash ISA £1+ insertAsset3.00%

* 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.

Find out more about a Junior Cash ISA.


Online Saver

Rates valid from Balance Annual interest
Gross/AER Net
insertAsset08/12/2015 £1+ insertAsset0.60% insertAsset0.48%

After 12 months, the Online Saver account automatically changes to an Instant Saver.

Find out more about Online Saver.


Young Saver

Rates valid from Balance Annual rates
Gross/AER Net
insertAsset12/01/2016 £1 - £20,000 insertAsset2.25% insertAsset1.80%
Over £20,000 insertAsset0.50% insertAsset0.40%

Find out more about a Young Saver.


Previous variable rate accounts

60 Day Gold

Rates valid from Balance Annual rates Monthly rates
Gross/AER Net Gross p.a. AER Net p.a.

 

£1+ insertAsset0.10% insertAsset0.08%
insertAsset0.10%
insertAsset0.10% insertAsset0.08%

 


Bonus Gold

Rates valid from Balance Annual rates Monthly rates
Gross/AER Net Gross p.a. AER Net p.a.
insertAsset13/01/2015 £1+ insertAsset0.10% insertAsset0.08%
insertAsset0.10%
insertAsset0.10% insertAsset0.08%

 


Extra Income Saver

Rates valid from Balance Annual rates Monthly rates
Gross/AER Net Gross p.a. AER Net p.a.
insertAsset13/01/2015 £1+ insertAsset0.10% insertAsset0.08%
insertAsset0.10%
insertAsset0.10% insertAsset0.08%

 


Guaranteed Saver

Rates valid from Balance Annual rates
Gross/AER Net
insertAsset01/11/2010 £1+ insertAsset0.50% insertAsset0.40%

 


Instant Saver

Rates valid from Balance Annual rates Monthly rates
Gross/AER Net Gross p.a. AER Net p.a.
insertAsset 17/02/2015 £1+ insertAsset 0.25% insertAsset 0.20% insertAsset 0.25% insertAsset 0.25% insertAsset 0.20%

Instant Saver (Bank of Scotland)

Rates valid from Balance Annual rates Monthly rates
Gross/AER Net Gross p.a. AER Net p.a.
insertAsset16/09/2014 £50+ insertAsset0.20% insertAsset0.16%
insertAsset0.20%
insertAsset0.20% insertAsset0.16%

Only available to customers that opened their account through Bank of Scotland or live in an area where they can use Bank of Scotland branches.


Instant ISA Saver

Rates valid from Balance Annual rates
Tax Free / AER
insertAsset 17/02/2015 £1+ insertAsset 0.25%

 


ISA Saver Direct (Bank of Scotland)

Rates valid from Balance Annual rates
Tax Free / AER
insertAsset01/04/2009 £1+ insertAsset0.50%

Only available to customers that opened their account through Bank of Scotland or live in an area where they can use Bank of Scotland branches.


ISA Saver Online

Rates valid from Balance   Tax free/AER
insertAsset09/12/2014 £1+ Including bonus insertAsset1.05%
Excluding bonus insertAsset0.25%

Liquid Gold

Rates valid from Balance Annual rates
Gross/AER Net
insertAsset13/01/2015 £1+ insertAsset0.10% insertAsset0.08%

 


Monthly Saver

Rates valid from Balance Annual rates
Gross/AER Net
insertAsset13/01/2015 £1+ insertAsset0.10% insertAsset0.08%

 


Online Tracker Bond

Rates valid from Term Balance Monthly rates
Gross p.a. AER Net p.a.
insertAsset08/12/2015 18 months £50,000+ insertAsset1.24%
insertAsset1.25% insertAsset0.99%
£500+ insertAsset1.19%
insertAsset1.20% insertAsset0.95%

£50,000+ balance - the gross rate tracks at insertAsset0.74% above the Bank of England Bank Rate - currently insertAsset0.50%
£500-£49,999 balance - the gross rate tracks at insertAsset0.69% above the Bank of England Bank Rate - currently insertAsset0.50%

 


Passbook Saver

Rates valid from Balance Annual rates
Gross/AER Net
insertAsset13/01/2015 £1+ insertAsset0.10% insertAsset0.08%

 


Premium Savings Direct

Rates valid from Balance Annual rates Monthly rates
Gross/AER Net Gross p.a. AER Net p.a.
insertAsset01/03/2009 £250,000+ insertAsset0.20% insertAsset0.16%
insertAsset0.20%
insertAsset0.20% insertAsset0.16%
£100,000+ insertAsset0.18% insertAsset0.14%
insertAsset0.18%
insertAsset0.18% insertAsset0.14%
£50,000+ insertAsset0.16% insertAsset0.13%
insertAsset0.16%
insertAsset0.16% insertAsset0.13%
£25,000+ insertAsset0.14% insertAsset0.11%
insertAsset0.14%
insertAsset0.14% insertAsset0.11%
£5,000+ insertAsset0.12%
insertAsset0.10%
insertAsset0.12%
insertAsset0.12%
insertAsset0.10%
£500+ insertAsset0.11% insertAsset0.09%
insertAsset0.11%
insertAsset0.11% insertAsset0.09%
£50+ insertAsset0.10% insertAsset0.08%
insertAsset0.10% insertAsset0.10% insertAsset0.08%

 


Reward Saver

Rates valid from Balance Annual rates
4 or less withdrawals 5 or more withdrawals
Gross/AER Net Gross/AER Net
insertAsset 13/11/2012 £1+ Including bonus insertAsset 1.70% insertAsset 1.36% insertAsset 1.60% insertAsset 1.28%
Excluding bonus insertAsset 0.50% insertAsset 0.40% insertAsset 0.50% insertAsset 0.40%

 


Save4it

Rates valid from Balance Annual rates
Gross/AER Net
insertAsset01/04/2009 £1+ insertAsset1.05% insertAsset0.84%

 


Saver Reward

Rates valid from Balance Annual rates
Gross/AER Net
insertAsset 13/01/2015
£1+ insertAsset 0.10%
insertAsset 0.08%

 


Tracker Bond

Rates valid from Term Balance Monthly rates
Gross p.a. AER Net p.a.
insertAsset08/12/2015 18 months £500+ insertAsset1.19%
insertAsset1.20% insertAsset0.95%

The gross rate tracks at insertAsset0.69% above the Bank of England Bank Rate - currently insertAsset0.50%.


Variable Rate Web Saver

Rates valid from Balance Annual rates
Gross/AER Net
insertAsset04/07/2015 £1+ insertAsset0.25% insertAsset0.20%

Variable Rate Web Saver (Bank of Scotland)

Rates valid from   Balance Annual rates
Gross/AER Net
insertAsset01/04/2009 With cash card £1+ insertAsset0.25% insertAsset0.20%
Without cash card £25,000+ insertAsset0.20% insertAsset0.16%
£5,000+ insertAsset0.15% insertAsset0.12%
£1+ insertAsset0.10% insertAsset0.08%

Only available to customers that opened their account through Bank of Scotland or live in an area where they can use Bank of Scotland branches


Variable Rate ISA Saver

Rates valid from Balance Annual rates
Tax Free/AER
insertAsset13/01/2015 £1+ insertAsset0.10%

 


Web Saver Extra

Rates valid from Balance Annual rates
Gross/AER Net
insertAsset28/10/2014 £1+ insertAsset0.95% insertAsset0.76%

 


Young Savers Rate

Rates valid from Balance Annual rates Annual rates
Gross/AER Net Gross p.a. AER Net p.a.
insertAsset01/10/2009 £1+ insertAsset0.50% insertAsset0.40%
insertAsset0.50%
insertAsset0.50% insertAsset0.40%

 

Current fixed rate accounts

Fixed Saver

Rates valid from Balance Term Annual rates Monthly rates
Gross/AER Net Gross p.a. AER Net p.a.
insertAsset12/01/2016 £500+

2 years

insertAsset 1.25% insertAsset 1.00%
insertAsset 1.24%
insertAsset 1.25% insertAsset 0.99%
5 years insertAsset 2.00% insertAsset 1.60%
insertAsset 1.98%
insertAsset 2.00% insertAsset 1.58%

Find out more about a Fixed Saver.


ISA Saver Fixed

Rates valid from Balance Term Annual rates Monthly rates
Tax free/AER Tax free AER
insertAsset08/12/2015 £500+ 2 years insertAsset1.25% insertAsset1.24%
insertAsset1.25%
5 years insertAsset2.00% insertAsset1.98%
insertAsset2.00%

Find out more about an ISA Saver Fixed.


Kids' Regular Saver

Rates valid from Term Annual rates
Gross/AER Net
insertAsset12/09/2011 12 months insertAsset6.00% insertAsset4.80%

Find out more about a Kids' Regular Saver.


Regular Saver

Rates valid from Term Annual rates
Gross/AER Net
insertAsset12/09/2011 12 months insertAsset2.00% insertAsset1.60%

Find out more about a Regular Saver.


Previous fixed rate account

Matured Funds Account

Rates valid from Balance Annual rates Monthly rates
Gross/AER Net Gross p.a. AER Net p.a.
insertAsset05/11/2013 £1+ insertAsset0.25% insertAsset0.20%
insertAsset0.25%
insertAsset0.25% insertAsset0.20%

Easy access account only available for funds that matured (up to the 12th September 2015) from Guaranteed Reserve and Stepped Income Reserve, Fixed Saver, Fixed Online Saver, Kids Fixed Saver, Tracker Bond and Online Tracker Bond.

 


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