Personal rates
The savings interest rates shown here apply to our personal savings accounts. Previous rates are also available.
The rates shown here apply where interest is paid annually, quarterly or at the end of the term (as shown) - a monthly income option is available on some products at slightly lower rates.
You can either browse through all the savings interest rates using the scroll bar or click on the account you're interested in below to view the saving rate.
You can also view personal monthly rates.
Variable Rates
The AER shown for each account is the Annual Equivalent Rate
UK annual rates: Rates of interest are subject to change but are correct as at 12th September 2011.
| Including bonus | Annual rates | Monthly rates | ||||
|---|---|---|---|---|---|---|
| Gross | AER | Net | Gross pa | AER | Net pa | |
| £1+ | 2.00% | 2.00% | 1.60% | 1.98% | 2.00% | 1.58% |
| Excluding bonus | Annual rates | Monthly rates | ||||
|---|---|---|---|---|---|---|
| Gross | AER | Net | Gross pa | AER | Net pa | |
| £1+ | 0.50% | 0.50% | 0.40% | 0.48% | 0.50% | 0.38% |
Find out more about an Everyday Saver
for an Everyday Saver
UK annual rates: Rates of interest are subject to change but are correct as at 5th March 2012, for accounts opened from 5th March 2012.
| Including bonus | Tax free/AER |
|---|---|
| £1+ | 3.00% |
| Excluding bonus | Tax free/AER |
|---|---|
| £1+ | 0.25% |
View current rate for an ISA Saver Online opened between 11th September 2011 and 4th March 2012.
Find out more about an ISA Saver Online
for an ISA Saver Online
UK annual rates: Rates of interest are subject to change but are correct as at 5th March 2012, for accounts opened from 5th March 2012.
| Including bonus | Tax free/AER |
|---|---|
| £1+ | 2.75% |
| Excluding bonus | Tax free/AER |
|---|---|
| £1+ | 0.50% |
View current rate for an ISA Saver Variable opened between 11th September 2011 and 4th March 2012.
Find out more about an ISA Saver Variable
for an ISA Saver Variable
UK annual rates: Rates of interest are subject to change but are correct as at 12th September 2011.
| Term | Gross | AER | Net |
|---|---|---|---|
| 12 months | 6.00% | 6.00% | 4.80% |
Find out more about a Kids Regular Saver
for a Kids Regular Saver
UK annual rates. Rates of interest are subject to change but are correct as at 13th February 2012
| If the adult registered contact holds a Halifax cash ISA*** And for children 16 and over | Tax free/AER |
|---|---|
| £1+ | 6.00% |
| If the adult registered contact doesn't hold a Halifax cash ISA | Tax free/AER |
|---|---|
| £1+ | 3.00% |
*** 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
for a Junior Cash ISA
UK annual rates: Rates of interest are subject to change but are correct as at 12th September 2011.
| Including bonus | Annual interest | ||
|---|---|---|---|
| Gross | AER | Net | |
| £1+ | 2.80% | 2.80% | 2.24% |
| Excluding bonus | Annual interest | ||
|---|---|---|---|
| Gross | AER | Net | |
| £1+ | 0.10% | 0.10% | 0.08% |
Find out more about an Online Saver
for an Online Saver
UK annual rates: Rates of interest are subject to change but are correct as at 12th September 2011.
| Gross | AER | Net | |
|---|---|---|---|
| £1+ | 0.50% | 0.50% | 0.40% |
Find out more about a Passbook Saver
for a Passbook Saver
UK annual rates: Rates of interest are subject to change but are correct as at 12th September 2011.
| Term | Gross | AER | Net |
|---|---|---|---|
| 12 months | 2.00% | 2.00% | 1.60% |
Find out more about a Regular Saver
for a Regular Saver
UK annual rates: Rates of interest are subject to change but are correct as at 12th September 2011.
| 5 or more withdrawals | 4 or less withdrawals | |||||
|---|---|---|---|---|---|---|
| Gross | AER | Net | Gross | AER | Net | |
| £1+ | 2.25% | 2.25% | 1.80% | 2.50% | 2.50% | 2.00% |
Find out more about a Reward Saver
for a Reward Saver
UK annual rates: Rates of interest are subject to change but are correct as at 12th September 2011.
| Gross | AER | Net | |
|---|---|---|---|
| £1+ | 2.00% | 2.00% | 1.60% |
Find out more about a Young Saver
for a Young Saver
UK annual rates: Rates of interest are subject to change but are correct as at 1st August 2011.
| Balance | AER | Tax Free |
|---|---|---|
| £1+ | 2.60% | 2.60% |
From 10 September 2011 this account is no longer available to new customers.
UK annual rates: Rates of interest are subject to change but are correct as at 1st August 2011.
| Balance | AER | Net |
|---|---|---|
| £1+ | 2.80% | 2.24% |
From 10 September 2011 this account is no longer available to new customers.
UK annual rates: Rates of interest are subject to change but are correct as at 15th August 2011
| Balance | AER | Net |
|---|---|---|
| £1+ | 2.30% | 1.84% |
From 10 September 2011 this account is no longer available to new customers.
Variable option with cash card
UK annual rates: Rates of interest are subject to change but are correct as at 1st April 2009
| AER | Net | |
|---|---|---|
| £1+ | 0.25% | 0.20% |
Variable option without cash card
UK annual rates: Rates of interest are subject to change but are correct as at 1st April 2009
| AER | Net | |
|---|---|---|
| £25,000+ | 0.20% | 0.16% |
| £5,000+ | 0.15% | 0.12% |
| £1+ | 0.10% | 0.08% |
New tiers introduced on 1st June 2007 on Variable option without cash card
From 10 September 2011 this account is no longer available to new customers.
UK annual rates: Rates of interest are subject to change but are correct as at 1st October 2009
| Balance | AER | Tax Free |
|---|---|---|
| £27,000+ | 0.20% | 0.20% |
| £24,000+ | 0.13% | 0.13% |
| £21,000+ | 0.13% | 0.13% |
| £18,000+ | 0.10% | 0.10% |
| £12,000+ | 0.10% | 0.10% |
| £3,000+ | 0.10% | 0.10% |
| £1+ | 0.10% | 0.10% |
From 10 September 2011 this account is no longer available to new customers.
UK annual rates: Rates of interest are subject to change but are correct as at 1st August 2011.
| AER | Net | |
|---|---|---|
| £1+ | 2.00% | 1.60% |
View our previous Guaranteed Saver Reward interest rates.
From 10 September 2011 this account is no longer available to new customers.
UK annual rates: Rates of interest are subject to change but are correct as at 1st November 2010
| AER | Net | |
|---|---|---|
| £1+ | 0.50% | 0.40% |
From 10 September 2011 this account is no longer available to new customers.
UK annual rates: Rates of interest are subject to change but are correct as at 1st April 2009
| Balance | AER | Net |
|---|---|---|
| £1+ | 1.05% | 0.84% |
From 10 September 2011 this account is no longer available to new customers.
UK annual rates: Rates of interest are subject to change but are correct as at 1st April 2009
| Balance | AER | Tax Free |
|---|---|---|
| £1+ | 0.50% | 0.50% |
From 10 September 2011 this account is no longer available to new customers.
UK annual rates: Rates of interest are subject to change but are correct as at 1st March 2009
| Balance | AER | Net |
|---|---|---|
| £250,000+ | 0.20% | 0.16% |
| £100,000+ | 0.18% | 0.14% |
| £50,000+ | 0.16% | 0.13% |
| £25,000+ | 0.14% | 0.11% |
| £5,000+ | 0.12% | 0.10% |
| £500+ | 0.11% | 0.09% |
| £50+ | 0.10% | 0.08% |
From 11th March 2010 this account is no longer available to new customers. If you have a Premium Savings Direct and would like a copy of your conditions please ask a member of staff in any of our branches.
UK annual rates: Rates of interest are subject to change but are correct as at 1st February 2009
| Balance | AER | Net |
|---|---|---|
| £100,000+ | 0.10% | 0.08% |
| £50,000+ | 0.10% | 0.08% |
| £25,000+ | 0.10% | 0.08% |
| £10,000+ | 0.10% | 0.08% |
| £5,000+ | 0.10% | 0.08% |
| £500+ | 0.10% | 0.08% |
| £50+ | 0.10% | 0.08% |
From 1st October 2010 this account is no longer available to new customers. If you have a Instant Saver account and would like a copy of your account conditions please ask a member of staff in any of our branches.
UK annual rates: Rates of interest are subject to change but are correct as at 1st October 2009
| Number of withdrawals | ||||
|---|---|---|---|---|
| 0-3 | 4+ | |||
| Gross / AER | Net | Gross / AER | Net | |
| £100,000+ | 0.18% | 0.14% | 0.05% | 0.04% |
| £50,000+ | 0.15% | 0.12% | 0.05% | 0.04% |
| £25,000+ | 0.13% | 0.10% | 0.05% | 0.04% |
| £10,000+ | 0.10% | 0.08% | 0.05% | 0.04% |
| £5,000+ | 0.10% | 0.08% | 0.05% | 0.04% |
| £500+ | 0.10% | 0.08% | 0.05% | 0.04% |
| £50+ | 0.10% | 0.08% | 0.05% | 0.04% |
From 1st October 2010 this account is no longer available to new customers. If you have a Saver Reward account and would like a copy of your account conditions please ask a member of staff in any of our branches.
Special rate available on Liquid Gold, 60 Day Gold, Bonus Gold, Instant Saver and Saver Reward accounts for under 21s. Interest is paid at the special rate or at the tiered rate of interest (whichever is the higher).
UK annual rates: Rates of interest are subject to change but are correct as at 1st October 2009
| Balance | AER | Net |
|---|---|---|
| £1+ | 0.50% | 0.40% |
UK annual rates: Rates of interest are subject to change but are correct as at 1st October 2009
| Balance | AER | Net |
|---|---|---|
| £100,000+ | 0.20% | 0.16% |
| £50,000+ | 0.17% | 0.14% |
| £25,000+ | 0.15% | 0.12% |
| £10,000+ | 0.13% | 0.10% |
| £5,000+ | 0.13% | 0.10% |
| £500+ | 0.10% | 0.08% |
From 11th March 2010 this account is no longer available to new customers. If you have a Extra Income Saver and would like a copy of your conditions please ask a member of staff in any of our branches.
UK annual rates: Rates of interest are subject to change but are correct as at 1st October 2009
| Balance | AER excl. conditional bonus | AER incl. conditional bonus | Net incl. conditional bonus |
|---|---|---|---|
| £100,000+ | 0.15% | 0.40% | 0.32% |
| £50,000+ | 0.10% | 0.35% | 0.28% |
| £25,000+ | 0.10% | 0.35% | 0.28% |
| £10,000+ | 0.10% | 0.35% | 0.28% |
| £5,000+ | 0.10% | 0.35% | 0.28% |
From 5 April 2009 this account is no longer available to new customers. If you have a Bonus Gold and would like a copy of your conditions please ask a member of staff in any of our branches.
UK annual rates: Rates of interest are subject to change but are correct as at 1st March 2009
| Balance | AER | Net |
|---|---|---|
| £100,000+ | 0.15% | 0.12% |
| £50,000+ | 0.10% | 0.08% |
| £25,000+ | 0.10% | 0.08% |
| £10,000+ | 0.10% | 0.08% |
| £5,000+ | 0.10% | 0.08% |
| £500+ | 0.10% | 0.08% |
From 5 April 2009 this account is no longer available to new customers. If you have a 60 Day Gold and would like a copy of your conditions please ask a member of staff in any of our branches.
UK annual rates: Rates of interest are subject to change but are correct as at 1st April 2009
| Balance | AER excl. conditional bonus | AER incl. conditional bonus | Net incl. conditional bonus |
|---|---|---|---|
| £1 | 0.10% | 0.35% | 0.28% |
From 11 March 2010 this account is no longer available to new customers. If you have a Monthly Saver and would like a copy of your conditions please ask a member of staff in any of our branches.
For former Solid Gold customers, annual interest paid on 1st February (in line with previous interest payment date).
UK annual rates: Rates of interest are subject to change but are correct as at 1st October 2009
| Balance | AER | Net |
|---|---|---|
| £500+ | 0.05% | 0.04% |
| £50+ | 0.05% | 0.04% |
Monthly interest is only available to former Solid Gold customers who previously received monthly interest.
From 10 September 2011 this account is no longer available to new customers.
UK annual rates: Rates of interest are subject to change but are correct as at 1st January 2008
| Balance | Gross | AER | Net |
|---|---|---|---|
| £1,000+ | 0.10% | 0.10% | 0.08% |
Only available for funds maturing from Guaranteed Reserve and Stepped Income Reserve.
IMPORTANT: The conditions for your account explain when we pay interest on money paid into, and taken out of, your account. Click for details of account charges.
Please ask at any of our branches for copies of the Deposit Account conditions and the other conditions that apply to the accounts shown. The account conditions include details of how we may change them, the interest rates and any charges for your account.
Some accounts can only be opened by individuals. Different rates apply for some non-personal accounts and for accounts held by those non-resident in the UK for tax purposes.
The interest rates and other information shown are correct as at the dates shown in the tables and may change under the account conditions.
*The base rate is the rate published by the Bank Of England in connection with it's open money market operations.
** Although following an increase in base rate there will be a time when this will not apply, but this will never be longer than one month.
Fixed Rates
UK annual rates: Rates of interest are subject to change but are correct as at 1st May 2012.
| Annual/Maturity rate | Quarterly rate | Monthly rate | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Term | Balance | Gross | AER | Net | Gross | AER | Net | Gross pa | AER | Net pa |
| 3 months | £500+ | 1.00% | 1.00% | 0.80% | 1.00% | 1.00% | 0.80% | |||
| 6 months | £500+ | 1.05% | 1.05% | 0.84% | 1.05% | 1.06% | 0.84% | |||
| 9 months | £500+ | 1.29% | 1.30% | 1.03% | 1.29% | 1.30% | 1.03% | |||
| 1 year | £500+ | 3.20% | 3.20% | 2.56% | 3.15% | 3.20% | 2.52% | |||
| 2 years | £500+ | 3.50% | 3.50% | 2.80% | 3.45% | 3.51% | 2.76% | |||
| 3 years | £500+ | 3.85% | 3.85% | 3.08% | 3.78% | 3.85% | 3.02% | |||
| 4 years | £500+ | 4.05% | 4.05% | 3.24% | 3.98% | 4.05% | 3.18% | |||
| 5 years | £500+ | 4.15% | 4.15% | 3.32% | 4.07% | 4.15% | 3.26% | |||
Find out more about a Fixed Online Saver
for a Fixed Online Saver
UK annual rates: Rates of interest are subject to change but are correct as at 1st May 2012.
| Annual/Maturity rate | Quarterly rate | Monthly rate | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Term | Balance | Gross | AER | Net | Gross | AER | Net | Gross pa | AER | Net pa |
| 3 months | £500+ | 0.90% | 0.90% | 0.72% | 0.90% | 0.90% | 0.72% | |||
| 6 months | £500+ | 1.00% | 1.00% | 0.80% | 1.00% | 1.00% | 0.80% | |||
| 9 months | £500+ | 1.24% | 1.25% | 0.99% | 1.24% | 1.25% | 0.99% | |||
| 1 year | £500+ | 2.25% | 2.25% | 1.80% | 2.23% | 2.25% | 1.78% | |||
| 2 years | £500+ | 3.25% | 3.25% | 2.60% | 3.20% | 3.25% | 2.56% | |||
| 3 years | £500+ | 3.85% | 3.85% | 3.08% | 3.78% | 3.85% | 3.02% | |||
| 4 years | £500+ | 3.90% | 3.90% | 3.12% | 3.83% | 3.90% | 3.06% | |||
| 5 years | £500+ | 4.00% | 4.00% | 3.20% | 3.93% | 4.00% | 3.14% | |||
Find out more about a Fixed Saver
for a Fixed Saver
UK annual rates: Rates of interest are subject to change but are correct as at 14th May 2012.
| Term | balance | AER/tax free |
|---|---|---|
| 1 year | £500+ | 2.25% |
| 2 year | £500+ | 3.70% |
| 3 year | £500+ | 4.00% |
| 4 year | £500+ | 4.15% |
| 5 year | £500+ | 4.25% |
Find out more about an ISA Saver Fixed
for an ISA Saver Fixed
UK annual rates: Rates of interest are subject to change but are correct as at 6th March 2012.
| Annual rate | Quarterly rate | Monthly rate | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Term | Balance | Gross | AER | Net | Gross | AER | Net | Gross pa | AER | Net pa |
| 3 months | £500+ | 0.90% | 0.90% | 0.72% | 0.90% | 0.90% | 0.72% | |||
| 6 months | £500+ | 1.00% | 1.00% | 0.80% | 1.00% | 1.00% | 0.80% | |||
| 9 months | £500+ | 1.24% | 1.25% | 0.99% | 1.24% | 1.25% | 0.99% | |||
| 1 year | £500+ | 2.25% | 2.25% | 1.80% | 2.23% | 2.25% | 1.78% | |||
| 2 years | £500+ | 3.25% | 3.25% | 2.60% | 3.20% | 3.25% | 2.56% | |||
| 3 years | £500+ | 3.85% | 3.85% | 3.08% | 3.78% | 3.85% | 3.02% | |||
| 4 years | £500+ | 3.90% | 3.90% | 3.12% | 3.83% | 3.90% | 3.06% | |||
| 5 years | £500+ | 4.00% | 4.00% | 3.20% | 3.93% | 4.00% | 3.14% | |||
Find out more about a Kid's Fixed Saver
for a Kid's Fixed Saver
We offer a selection of accounts that give you the option of having your interest paid monthly, at a slightly lower rate than the annual rates. Previous rates are also available.
The AER shown for each account is the Annual Equivalent Rate.
UK monthly rates: Rates of interest are subject to change but are correct as at 1st March 2009
| Balance | Gross pa | AER | Net pa |
|---|---|---|---|
| £250,000+ | 0.20% | 0.20% | 0.16% |
| £100,000+ | 0.18% | 0.18% | 0.14% |
| £50,000+ | 0.16% | 0.16% | 0.13% |
| £25,000+ | 0.14% | 0.14% | 0.11% |
| £5,000+ | 0.12% | 0.12% | 0.10% |
| £500+ | 0.11% | 0.11% | 0.09% |
| £50+ | 0.10% | 0.10% | 0.08% |
From 11th March 2010 this account is no longer available to new customers. If you have a Premium Savings Direct and would like a copy of your conditions please ask a member of staff in any of our branches.
UK monthly rates: Rates of interest are subject to change but are correct as at 1st February 2009
| Balance | Gross pa | AER | Net pa |
|---|---|---|---|
| £100,000+ | 0.10% | 0.10% | 0.08% |
| £50,000+ | 0.10% | 0.10% | 0.08% |
| £25,000+ | 0.10% | 0.10% | 0.08% |
| £10,000+ | 0.10% | 0.10% | 0.08% |
| £5,000+ | 0.10% | 0.10% | 0.08% |
| £500+ | 0.10% | 0.10% | 0.08% |
| £50+ | 0.10% | 0.10% | 0.08% |
From 1st October 2010 this account is no longer available to new customers. If you have a Instant Saver account and would like a copy of your account conditions please ask a member of staff in any of our branches.
UK monthly rates: Rates of interest are subject to change but are correct as at 1st October 2009
| Balance | Gross pa | AER | Net pa |
|---|---|---|---|
| £100,000+ | 0.15% | 0.15% | 0.12% |
| £50,000+ | 0.10% | 0.10% | 0.08% |
| £25,000+ | 0.10% | 0.10% | 0.08% |
| £10,000+ | 0.10% | 0.10% | 0.08% |
| £5,000+ | 0.10% | 0.10% | 0.08% |
From 5th April 2009 this account is no longer available to new customers. If you have a Bonus Gold and would like a copy of your conditions please ask a member of staff in any of our branches.
UK monthly rates: Rates of interest are subject to change but are correct as at 1st March 2009
| Balance | Gross pa | AER | Net pa |
|---|---|---|---|
| £100,000+ | 0.15% | 0.15% | 0.12% |
| £50,000+ | 0.10% | 0.10% | 0.08% |
| £25,000+ | 0.10% | 0.10% | 0.08% |
| £10,000+ | 0.10% | 0.10% | 0.08% |
| £5,000+ | 0.10% | 0.10% | 0.08% |
| £500+ | 0.10% | 0.10% | 0.08% |
From 5th April 2009 this account is no longer available to new customers. If you have a Halifax 60 Day Gold and would like a copy of your conditions please ask a member of staff in any of our branches.
For former Solid Gold customers, annual interest paid on 1st February (in line with previous interest payment date).
Monthly interest is only available to former Solid Gold customers who previously received monthly interest.
UK monthly rates: Rates of interest are subject to change but are correct as at 1st October 2009
| Balance | Gross pa | AER | Net pa |
|---|---|---|---|
| £500+ | 0.05% | 0.05% | 0.04% |
| £50+ | 0.05% | 0.05% | 0.04% |
From 10 September 2011 this account is no longer available to new customers.
UK monthly rates: Rates of interest are subject to change but are correct as at 1st October 2009
| Balance | Gross pa | AER | Net pa |
|---|---|---|---|
| £1+ | 0.50% | 0.50% | 0.40% |
UK monthly rates: Rates of interest are subject to change but are correct as at 1st October 2009
| Balance | Gross pa | AER | Net pa |
|---|---|---|---|
| £100,000+ | 0.20% | 0.20% | 0.16% |
| £50,000+ | 0.17% | 0.17% | 0.14% |
| £25,000+ | 0.15% | 0.15% | 0.12% |
| £10,000+ | 0.13% | 0.13% | 0.10% |
| £5,000+ | 0.13% | 0.13% | 0.10% |
| £500+ | 0.10% | 0.10% | 0.08% |
From 11th March 2010 this account is no longer available to new customers. If you have a Extra Income Saver and would like a copy of your conditions please ask a member of staff in any of our branches.
UK monthly rates: Rates of interest are subject to change but are correct as at 1st January 2008
| Balance | Gross pa | AER | Net pa |
|---|---|---|---|
| £1,000+ | 0.10% | 0.10% | 0.08% |
IMPORTANT: The conditions for your account explain when we pay interest on money paid into, and taken out of, your account. Click for details of account charges.
Please ask at any of our branches for copies of the Deposit Account conditions and the other conditions that apply to the accounts shown. The account conditions include details of how we may change them, the interest rates and any charges for your account.
Some accounts can only be opened by individuals. Different rates apply for some non-personal accounts and for accounts held by those non-resident in the UK for tax purposes.
The interest rates and other information shown are correct as at the dates shown in the tables and may change under the account conditions.
*The base rate is the rate published by the Bank of England in connection with it's open money market operations.
