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Current account rates (previous)

Classic account

Classic accountInterest Paid Annually *
AER %Gross %Net %
£1+0.100.100.08
 
These interest rates were correct from 01/03/2004 to 18/08/2008.


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Classic Plus account

Regular Monthly Deposit*Interest Paid Monthly
BalanceAER %Gross %Net %
£1,000+£1 - £2500*3.503.452.76
 
These interest rates were correct from 03/11/2008 to 02/01/2009.


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Classic Account Vantage Interest Rates

BalanceInterest Paid Monthly
AER %Gross %Net %
£1+0.100.100.08
£1,000+2.001.981.59
£3,000+3.002.962.37
£5,000 up to £7,0004.003.933.14
 
These interest rates were correct from 02/02/2009 to 27/06/2011.


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Gold Service current account

Gold Service current account Interest paid annually *
AER %Gross %Net %
£50,000 +0.100.100.08
£1+0.100.100.08
 
These interest rates were correct from 04/04/2005 to 01/03/2007.


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Gold Service Plus account

Regular Monthly Deposit*Interest Paid Monthly
BalanceAER %Gross %Net %
£1,000+£1 - £2500*3.503.452.76
 
These interest rates were correct from 03/11/2008 to 02/01/2009.


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Graduate account - credit

Graduate accountInterest Paid Monthly
AER %Gross %Net %
£1+0.000.000.00
 
These interest rates were correct from 29/09/2003 to 01/03/2004.


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Graduate account - Planned and Unplanned Overdrafts

Graduate account % Per Month % EAR
Year 1: £2,000+1.3016.8
£0 - £2,0000.00 0.00
Year 2: £1,500+1.3016.8
£0 - £1,5000.000.00
Year 3: £1,000+1.3016.8
£0 - £1,0000.000.00
 
These interest rates were correct from 01/08/2007 to 02/11/2007.


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Platinum current account

Platinum current accountInterest paid annually *
AER %Gross %Net %
£50,000 +0.100.100.08
£1+0.100.100.08
 
These interest rates were correct from 04/04/2005 to 18/08/2008.


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Platinum Plus account

Regular Monthly Deposit*Interest Paid Monthly
BalanceAER %Gross %Net %
£1,000+£1 - £2500*3.503.452.76
 
These interest rates were correct from 03/11/2008 to 02/01/2009.


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Premier Plus Current Account

Regular Monthly Deposit*Interest Paid Monthly
BalanceAER%Gross %Net %
£1,000+£1- £2500*3.503.452.76
 
These interest rates were correct from 03/11/2008 to 02/01/2009.


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Select current account

Select current accountInterest paid annually *
AER %Gross %Net %
£1+0.100.100.08
 
These interest rates were correct from 01/03/2004 to 01/03/2007.


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Select Plus account

Regular Monthly Deposit*Interest Paid Monthly
BalanceAER %Gross %Net %
£1,000+£1 - £2500*3.503.452.76
 
These interest rates were correct from 03/11/2008 to 02/01/2009.


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Student Account and Early Student Account - Planned and Unplanned Overdrafts

Student account% Per Month% EAR
Year 1: £1,500+0.668.2
£0 - £1,5000.000.0
Year 2: £1,500+0.668.2
£0 - £1,5000.000.0
Year 3: £1,500+0.668.2
£0 - £1,5000.000.0
Years 4, 5 & 6: £2,000+0.668.2
£0 - £2,0000.000.0
 
These interest rates were correct from 01/08/2007 to 02/11/2007.

Early Student Account

Early Student Account% Per Month% EAR
£200+0.668.2
£0-£2000.000.0
 
These interest rates were correct from 16/03/2009 to 22/06/2011.


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Personal Overdrafts - Planned and Unplanned Overdrafts

AccountInterest paid monthly
% Per Month % EAR
Premier Plus Current Account0.9812.43
Premier Current Account0.9812.43
Platinum Plus Current Account0.9812.43
Platinum Current Account1.1214.28
Gold Service Plus Current Account1.3016.77
Gold Service Current Account1.3417.32
Select Plus Current Account1.3417.32
Select Current Account1.4518.86
Silver Current Account1.4518.86
Classic Plus Account1.4518.86
Classic Account, Current Account1.4819.28
 
These interest rates were correct from 02/11/2011 to 01/12/2011.


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The EAR does not take into account any additional charges (e.g. arrangement fees/securities charges/monthly fees) which may be applicable.

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Under 19's account

Under 19's account Interest Paid Quarterly
AER %Gross %Net %
£1+2.502.471.98
 
These interest rates were correct from 01/05/2009 to 23/11/2009.


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Explanation of terms

APR (annual percentage rate) – The APR (annual percentage rate) gives you a single figure that includes the actual interest rate over the life of the loan as well as all the normal costs (such as administration fees or annual charges). It doesn't include additional charges such as fees for early or late repayment.

Representative rates – The representative APR is the rate you will see in advertisements. This is the APR that the lender applies to most successful loan applicants, but isn't necessarily the rate you'll be offered. Lenders have to offer the representative APR rate to at least 51% of borrowers of any particular offer. Depending on your credit history, you may be quoted a lower rate or a higher one.

Total amount repayable – This is the total amount of money you have to repay over the entire life of the loan - the amount you borrowed plus all interest charges and fees.

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