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Savings rates - accounts closed to new customers

The following accounts are no longer open to new customers. If your current savings account is not in the list below view current savings rates.

Cash ISA | Easy Saver | Easy Saver 2012 | Exclusive Saver | First Save | Flexible Savings Account | Gold Saver | Guaranteed Investment Account | Instant Access Saver formerly Guaranteed Tracker | Instant Access Saver formerly Guaranteed Saver | Instant Gold Savings Account | Internet Saver | No Notice Saver (formerly 90 Day Notice account) | Online Saver | Platinum Saver | Premier Saver | Regular Savings Account | Standard Saver (formerly Reward Savings Account) | Select Saver |

Cash ISA

Amount InvestedAER/Tax-free (per annum)
£21,000+1.40
£15,000+0.90
£9,000+0.90
£3,000+0.90
£10+0.90
 
These interest rates are correct as at 03/08/2009.

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Easy Saver

Amount InvestedAnnual Interest
AER/Gross %Net%Interest Rate Guarantee*
£1+0.750.60To be no lower than 1.50% below the base rate
 
These interest rates are correct as at 08/10/2009.

* Interest rates quoted for future years are for illustrative purposes only. Based on a Bank of England Base Rate of 1.50%.

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Easy Saver 2012

Annual Interest12 months from account opening: no lower than 0.50% below Base Rate12 months from the first anniversary of account opening: no lower than Base Rate12 months from the second anniversary of account opening: at least 0.50% above the Base Rate12 months from the third anniversary of account opening: at least 1.00% above Base RateFrom the fourth anniversary of account opening until 31 December 2012: at no lower than 1.50% below Base Rate
AER/ Gross %Net %AER/ Gross %Net %AER/ Gross %Net %AER/ Gross %Net %AER/ Gross %Net %
Amount Invested £1+0.750.600.750.601.000.801.501.200.100.08
 
These interest rates are correct as at 08/10/2009.

* Interest rates quoted for future years are for illustrative purposes only. Based on a Bank of England Base Rate of 1.50%.

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Exclusive Saver Without Bonus

Interest TiersAnnual InterestMonthly Interest
AER/Gross % excluding bonusNet % excluding bonusAER % excluding bonusGross % excluding bonusNet % excluding bonus
£100,000+0.100.080.100.100.08
£50,000+0.100.080.100.100.08
£25,000+0.100.080.100.100.08
£10,000+0.100.080.100.100.08
£2500+0.100.080.100.100.08
£250+0.100.080.100.100.08
£1+0.100.080.100.100.08
 
These interest rates are correct as at 02/02/2009.

Click here for more information about the Advantage Saver.

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First Save

Amount InvestedInterest Paid Annually
AER %Gross %Net %
£1+0.500.500.40
 
These interest rates are correct as at 01/04/2009.

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Flexible Savings Account

Amount InvestedAnnual OptionMonthly Option
AER/Gross %Net %AER %Gross %Net %
£250+0.100.080.100.100.08
£1+0.100.080.100.100.08
 
These interest rates are correct as at 02/01/2009.

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Gold Saver

Amount InvestedAnnual OptionMonthly Option
AER/Gross %Net %AER %Gross %Net %
£100,000+0.100.080.100.100.08
£50,000+0.100.080.100.100.08
£25,000+0.100.080.100.100.08
£10,000+0.100.080.100.100.08
£2,500+0.100.080.100.100.08
£250+0.100.080.100.100.08
£1+0.100.080.100.100.08
 
These interest rates are correct as at 02/01/2009.

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Guaranteed Investment Account important information

Offer period
27th March 2007 - 18th June 2007
Interest during offer period
4.00% AER/Gross
Investment date
19th June 2007
Maturity date
19th June 2012
Repayment date
26th June 2012
Minimum initial deposit
£500
Maximum initial deposit
£100,000
Minimum guaranteed return
15% Gross (2.83% AER)
FTSE participation
75%
Withdrawals
None during term
Charges
None


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Instant Access Saver (Accounts opened from 18 September 2007) formerly Guaranteed Tracker

Amount InvestedGross/ AER %Net %Interest Rate Guarantee#
£100,000+0.100.08To be no lower than 1.35% below the base rate
£50,000+0.100.08To be no lower than 1.45% below the base rate
£25,000+0.100.08To be no lower than 1.60% below the base rate
£10,000+0.100.08To be no lower than 1.85% below the base rate
£1+0.100.08To be no lower than 2.10% below the base rate
 
These interest rates are correct as at 05/02/2009.

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Instant Access Saver formerly Guaranteed Saver

Amount InvestedAnnual InterestMonthly Interest
AER %GROSS %NET %AER %GROSS %NET %
£2,000+0.100.100.080.100.100.08
£1+0.100.100.080.100.100.08
 
These interest rates are correct as at 05/03/2009.

We agree to pay a rate of interest which will be no lower than 0.75% below the Bank of England base rate except where your balance falls below the Minimum Opening balance (£2,000).

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Instant Gold Savings Account

Amount InvestedAnnual OptionQuarterly OptionMonthly* Option
AER/Gross %Net %AER %Gross %Net %AER %Gross %Net %
£50,000+0.100.080.100.100.080.100.100.08
£25,000+0.100.080.100.100.080.100.100.08
£10,000+0.100.080.100.100.080.100.100.08
£2,500+0.100.080.100.100.080.100.100.08
£1+0.100.080.100.100.080.100.100.08
 
These interest rates are correct as at 02/01/2009.

* Monthly interest only available to customers who already hold this option.

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Internet Saver with Bonus

Amount InvestedAnnual InterestMonthly Interest
AER/Gross % including bonusNet % including bonusAER % including bonusGross % including bonusNet % including bonus
£100,0001.601.281.601.591.27
£50,000+1.601.281.601.591.27
£25,000+1.601.281.601.591.27
£10,000+1.601.281.601.591.27
£5,000+1.601.281.601.591.27
£2,500+1.601.281.601.591.27
£1+1.601.281.601.591.27
 
These interest rates are correct as at 02/03/2009.

Interest rates are variable.

* Includes an introductory bonus of 1.50% AER, payable for 12 months from the date of account opening. At the end of the bonus period, rates without bonus will apply. Please see the ‘without bonus’ table for current rates.

Explanation of terms

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Internet Saver without Bonus

Amount InvestedAnnual optionMonthly option
AER/Gross % excluding bonusNet % excluding bonusAER % excluding bonusGross % excluding bonusNet % excluding bonus
£100,000+0.100.080.100.100.08
£50,000+0.100.080.100.100.08
£25,000+0.100.080.100.100.08
£10,000+0.100.080.100.100.08
£5,000+0.100.080.100.100.08
£2,500+0.100.080.100.100.08
£1+0.100.080.100.100.08
 
These interest rates are correct as at 02/03/2009.

Interest rates are variable.

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No Notice Saver (formerly 90 Day Notice Account)

Amount InvestedAnnual OptionMonthly Option
AER/Gross %Net %AER %Gross %Net %
£100,000+0.100.080.100.100.08
£50,000+0.100.080.100.100.08
£25,000+0.100.080.100.100.08
£10,000+0.100.080.100.100.08
£1+0.100.080.100.100.08
 
These interest rates are correct as at 02/01/2009.

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Online Saver without bonus

Amount InvestedAnnual optionMonthly Option
AER/Gross % excluding bonusNet % excluding bonusAER % excluding bonusGross % excluding bonusNet % excluding bonus
£250 +0.100.080.100.100.08
£1 +0.100.080.100.100.08
 
These interest rates are correct as at 02/02/2009.

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Platinum Saver

Amount InvestedAnnual OptionMonthly Option
AER/Gross %Net %AER %Gross %Net %
£100,000+0.100.080.100.100.08
£50,000+0.100.080.100.100.08
£25,000+0.100.080.100.100.08
£10,000+0.100.080.100.100.08
£2,500+0.100.080.100.100.08
£250+0.100.080.100.100.08
£1+0.100.080.100.100.08
 
These interest rates are correct as at 02/01/2009.

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Premier Saver without bonus

Amount InvestedAnnual InterestMonthly Interest
AER/Gross %Net %AER %Gross %Net %
£100,000+0.100.080.100.100.08
£50,000+0.100.080.100.100.08
£25,000+0.100.080.100.100.08
£10,000+0.100.080.100.100.08
£2,500+0.100.080.100.100.08
£1+0.100.080.100.100.08
 
These interest rates are correct as at 02/01/2009.

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Regular Savings Account

Amount InvestedAnnual OptionHalf Yearly* OptionMonthly* Option
AER/Gross %Net %AER %Gross %Net %AER %Gross %Net %
£1+0.100.080.100.100.080.100.100.08
 
These interest rates are correct as at 02/01/2009.

* Half yearly and monthly interest only available to customers who already hold this option.

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Standard Saver (formerly Reward Saver)

Interest TiersAnnual Interest
AER/Gross%Net%
£25,000+0.100.08
£10,000+0.100.08
£2500+0.100.08
£500+0.100.08
£1+0.100.08
 
These interest rates are correct as at 02/01/2009.

Interest rates are variable.

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Select Saver

Amount InvestedAnnual OptionMonthly Option
AER/Gross %Net %AER %Gross %Net %
£100,000+0.100.080.100.100.08
£50,000+0.100.080.100.100.08
£25,000+0.100.080.100.100.08
£10,000+0.100.080.100.100.08
£2,500+0.100.080.100.100.08
£250+0.100.080.100.100.08
£1+0.100.080.100.100.08
 
These interest rates are correct as at 02/01/2009.

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Explanation of terms

GROSS RATE - The contractual rate of interest payable before deduction of income tax at the rate specified by law.

NET RATE - The rate of interest which would be payable after allowing for the deduction of income tax at the rate specified by law.

AER - AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. As every advert for a savings product will contain an AER you can compare more easily what return you can expect from your savings over time.

TAX FREE RATE - The annual interest rate when interest is exempt from income tax.

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