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Savings rates - accounts closed to new customers (previous)

Cash ISA

Amount InvestedAER/Tax-free (per annum)
£21,000+1.50
£15,000+1.00
£9,000+1.00
£3,000+1.00
£10+1.00
 
These interest rates were correct from 02/03/2009 to 03/08/2009.

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Easy Saver

Amount InvestedAnnual Interest
AER/Gross %Net%Interest Rate Guarantee*
£1+1.00%0.80%To be no lower than 1.50% below the base rate
 
These interest rates were correct from 08/01/2009 to 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+1.000.800.500.401.000.801.501.200.100.08
 
These interest rates were correct from 05/03/2009 to 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+0.500.400.150.150.12
£50,000+0.400.320.100.100.08
£25,000+0.250.200.100.100.08
£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 were correct from 02/01/2009 to 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+1.001.000.80
 
These interest rates were correct from 02/03/2009 to 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 were correct from 03/11/2008 to 02/01/2009.

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Gold Saver

Amount InvestedAnnual OptionMonthly Option
AER/Gross %Net %AER %Gross %Net %
£100,000+0.550.440.200.200.16
£50,000+0.450.360.100.100.08
£25,000+0.300.240.100.100.08
£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 were correct from 01/12/2008 to 02/01/2009.

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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+0.150.12To 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 were correct from 08/01/2009 to 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+0.250.250.200.250.250.20
£1+0.100.100.080.100.100.08
 
These interest rates were correct from 05/02/2009 to 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 were correct from 01/12/2008 to 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
£100,0001.801.441.801.791.43
£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 were correct from 02/02/2009 to 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+0.300.240.300.300.24
£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 were correct from 02/02/2009 to 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+1.000.800.750.750.60
£50,000+0.600.480.350.350.28
£25,000+0.150.120.100.100.08
£10,000+0.100.080.100.100.08
£1+0.100.080.100.100.08
 
These interest rates were correct from 01/12/2008 to 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 +0.450.360.200.200.16
£1 +0.100.080.100.100.08
 
These interest rates were correct from 02/01/2009 to 02/02/2009.

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Platinum Saver

Amount InvestedAnnual OptionMonthly Option
AER/Gross %Net %AER %Gross %Net %
£100,000+1.050.840.700.700.56
£50,000+0.950.760.600.600.48
£25,000+0.800.640.450.450.36
£10,000+0.550.440.200.200.16
£2,500+0.300.240.100.100.08
£250+0.100.080.100.100.08
£1+0.100.080.100.100.08
 
These interest rates were correct from 01/12/2008 to 02/01/2009.

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Premier Saver without bonus

Amount InvestedAnnual InterestMonthly Interest
AER/Gross %Net %AER %Gross %Net %
£100,000+1.100.880.750.750.60
£50,000+1.000.800.650.650.52
£25,000+0.850.680.500.500.40
£10,000+0.600.480.250.250.20
£2,500+0.350.280.100.100.08
£1+0.100.080.100.100.08
 
These interest rates were correct from 01/12/2008 to 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 were correct from 03/11/2008 to 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.

View current rates

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 were correct from 01/12/2008 to 02/01/2009.

View current rates

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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