Personal rates.

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

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).

Previous variable rate accounts

60 Day Gold

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

insertAsset 13/01/2015

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

 


Bonus Gold

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

 


Extra Income Saver

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

 


Guaranteed Saver

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

 


Instant Saver

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

Instant Saver (Bank of Scotland)

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

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
insertAsset13/01/2015 £1+ insertAsset0.10%

 


Monthly Saver

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

 


Online Tracker Bond

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

£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
insertAsset13/01/2015 £1+ insertAsset0.10%

 


Premium Savings Direct

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

 


Reward Saver

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

 


Save4it

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

 


Saver Reward

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

 


Tracker Bond

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

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
insertAsset04/07/2015 £1+ insertAsset0.25%

Variable Rate Web Saver (Bank of Scotland)

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

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
insertAsset28/10/2014 £1+ insertAsset0.95%

 


Young Savers Rate

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

 

Previous fixed rate account

Matured Funds Account

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

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.