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Personal Previous Rates
These rates apply to our personal savings accounts.
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 rates using the scroll bar or click on the account you're interested in below.
You can also view personal previous monthly rates.
Halifax Guaranteed Saver Reward
Halifax Premium Savings Direct
Halifax Asset Reserve Cheque Account
The AER shown for each account is the Annual Equivalent Rate.
Halifax Guaranteed Saver Reward
Click here to view our previous Halifax Guaranteed Saver Reward interest rates.
UK annual rates from 1st March 2009
| AER | Gross pa | Net pa | |
| £2,500 | 1.00% | 1.00% | 0.80% |
UK previous annual rates from 1st March 2009
Balance | AER | Gross pa | Net pa |
| £100,000+ | 0.25% | 0.25% | 0.20% |
| £1 - £100,000 | 2.00% | 2.00% | 1.60% |
Click here to view our previous Halifax Web Saver Reward interest rates.
Halifax Web Saver
UK annual rates from 1st March 2009
variable option with cash card
| Balance | AER / Gross pa | Net pa |
£0+ | 0.25% | 0.20% |
UK annual rates from 1st March 2009
- variable option without cash card
Balance | AER / Gross pa | Net pa | |
£25,000+ | 0.26% | 0.21% | |
£5,000 - £24,999 | 0.16% | 0.13% | |
£0 - £4,999 | 0.10% | 0.08% | |
Click here to view our previous Halifax ISA Direct Reward interest rates
- Variable rate Halifax ISA Saver
UK annual rates from 1st February 2009
| Balance | AER / Gross pa |
£27, 000+ | 0.30% |
£24, 000+ | 0.30% |
£21, 000+ | 0.25% |
£18, 000+ | 0.25% |
£12, 000+ | 0.20% |
£3, 000+ | 0.15% |
| £1+ | 0.10% |
UK annual rates from 1st March 2009
| Balance | AER | Gross pa |
| £1+ | 1.00% | 1.00% |
UK annual rates from 1st March 2009
| Balance | AER / Gross pa | Net pa |
£1+ | 1.55% | 1.24% |
Halifax Premium Savings Direct
UK annual rates from 1st February 2009
| Balance | AER / Gross pa | Net pa |
| £250, 000+ | 0.35% | 0.28% |
| £100, 000+ | 0.30% | 0.24% |
| £50, 000+ | 0.25% | 0.20% |
| £25, 000+ | 0.20% | 0.16% |
| £5, 000+ | 0.15% | 0.12% |
| £500+ | 0.10% | 0.08% |
Halifax Instant Saver
UK annual rates from 1st January 2009
| Balance | AER / Gross % pa | Net % pa |
| £100, 000+ | 0.35% | 0.28% |
| £50, 000+ | 0.30% | 0.24% |
| £25, 000+ | 0.25% | 0.20% |
| £10,000+ | 0.20% | 0.16% |
| £5, 000+ | 0.15% | 0.12% |
| £500+ | 0.10% | 0.08% |
| £50+ | 0.10% | 0.08% |
UK annual rates from 1st February 2009
| Number of withdrawals | ||||
| 0-3 | 4+ | |||
| AER / Gross pa | Net pa | AER / Gross pa | Net pa | |
| £100, 000+ | 0.25% | 0.20% | 0.10% | 0.08% |
| £50, 000+ | 0.20% | 0.16% | 0.10% | 0.08% |
| £25, 000+ | 0.20% | 0.16% | 0.10% | 0.08% |
| £10, 000+ | 0.20% | 0.16% | 0.10% | 0.08% |
£5, 000+ | 0.15% | 0.12% | 0.10% | 0.08% |
| £500+ | 0.10% | 0.08% | 0.10% | 0.08% |
| £50+ | 0.10% | 0.08% | 0.10% | 0.08% |
If you have a regularly funded Halifax Current Account, a Halifax Personal Loan or a Halifax mortgage, you can make three extra withdrawals each year without affecting the interest rate; the above rates therefore apply for 0-6, 7-15 and 16+ withdrawals.
Halifax Monthly Saver
UK annual rates from 1st March 2009
| Balance | AER | AER incl. conditional bonus | Gross pa incl. conditional bonus | Net pa incl. conditional bonus |
| £1+ | 0.10% | 0.60% | 0.60% | 0.48% |
Halifax Bonus Gold
Rates quoted include the bonus of 0.50% gross (net 0.40% pa). See the Bonus Gold page for details of how to get your bonus.
UK annual rates from 1st February 2009
| Balance | AER | AER/Gross incl. conditional bonus | Net pa incl. conditional bonus |
| £100,000+ | 0.10% | 0.60% | 0.48% |
| £50, 000+ | 0.10% | 0.60% | 0.48% |
| £25, 000+ | 0.10% | 0.60% | 0.48% |
| £10, 000+ | 0.10% | 0.60% | 0.48% |
| £5, 000+ | 0.10% | 0.60% | 0.48% |
The interest rate (including the bonus of 0.50% gross (0.40% net) pa) will be no lower than 2% below base rate* on balances of £10,000 and over. When an account balance falls below £10,000 the balance will be available immediately without any penalty and the interest rate paid will be at least the same rate as Liquid Gold.
top^UK annual rates from 1st February 2009
| Balance | AER / Gross pa | Net pa |
| £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% |
The interest rate will be no lower than 2% below base rate* on balances of £5,000 (the minimum opening balance) and over. When an account balance falls below £5,000 the balance will be available immediately without any penalty and the interest paid will be at least the same as Liquid Gold.
Halifax Liquid Gold
For former Solid Gold customers, annual interest paid on 1st February (in line with previous interest payment date).
UK annual rates from 1st December 2008
| Balance | AER / Gross pa | Net pa |
| £500+ | 0.25% | 0.20% |
| £50+ | 0.25% | 0.20% |
Monthly interest is only available to former Solid Gold customers who previously received monthly interest.
Young Savers Rate
Special rate for under 21s only available on certain accounts.
UK annual rates from 1st December 2008
| Balance | AER/Gross pa | Net pa |
| £1+ | 0.80% | 0.64% |
UK annual rates from 1st December 2008
| Balance | AER | Gross pa | Net pa |
| £5, 000+ | 0.25% | 0.25% | 0.20% |
| £50+ | 0.20% | 0.20% | 0.16% |
UK annual rates from 1st June 2004
| Balance | AER / Gross pa | Net pa |
| £1, 000+ | 0.35% | 0.28% |
Only available for funds maturing from Halifax Guaranteed Reserve and Halifax Stepped Income Reserve.
top^
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 Accounts 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.
top^
Personal Previous Monthly Rates
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. The rates shown below are those previous to the current monthly rates.
The AER shown for each account is the Annual Equivalent Rate.
Halifax Premium Savings Direct
Halifax Premium Savings Direct
UK monthly rates from 1st February 2009
| Balance | AER | Gross pa | Net pa |
| £250, 000+ | 0.35% | 0.35% | 0.28% |
£100, 000+ | 0.30% | 0.30% | 0.24% |
£50, 000+ | 0.25% | 0.25% | 0.20% |
| £25, 000+ | 0.20% | 0.20% | 0.16% |
| £5, 000+ | 0.15% | 0.15% | 0.12% |
| £500+ | 0.10% | 0.10% | 0.08% |
UK monthly rates from 1st January 2009
| Balance | AER | Gross pa | Net pa |
£100, 000+ | 0.35% | 0.35% | 0.28% |
£50, 000+ | 0.30% | 0.30% | 0.24% |
£25, 000+ | 0.25% | 0.25% | 0.20% |
£10, 000+ | 0.20% | 0.20% | 0.16% |
£5, 000+ | 0.15% | 0.15% | 0.12% |
£500+ | 0.10% | 0.10% | 0.08% |
£50+ | 0.10% | 0.10% | 0.08% |
Halifax Bonus Gold
Rates quoted exclude the bonus of 0.50% gross (0.40% net pa). See the Bonus Gold special note for details of how to get your bonus.
UK monthly rates from 1st February 2009
| Balance | AER | Gross pa | 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% |
UK monthly rates from 1st February 2009
| Balance | AER | Gross pa | 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% |
Halifax Liquid Gold
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 from 1st December 2008
| Balance | AER | Gross | Net pa |
| £500+ | 0.25% | 0.25% | 0.20% |
| £50+ | 0.25% | 0.25% | 0.20% |
UK monthly rates from 1st December 2008
| Balance | AER | Gross | Net pa |
| £1+ | 0.80% | 0.80% | 0.64% |
UK monthly rates from 1st March 2009
| Balance | AER | Gross pa | Net pa |
| £100, 000+ | 0.95% | 0.95% | 0.76% |
| £50, 000+ | 0.85% | 0.85% | 0.68% |
| £25, 000+ | 0.80% | 0.80% | 0.64% |
| £10,000+ | 0.75% | 0.75% | 0.60% |
| £5, 000+ | 0.75% | 0.75% | 0.60% |
UK monthly rates from 1st June 2004
| Balance | AER | Gross pa | Net pa |
| £1, 000+ | 0.35% | 0.35% | 0.28% |
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.
