Private Banking Capital account | Private Banking current account | Private Banking Income account | Private Banking Investment account | Private Banking Premier account overdrafts rates | Private Banking Premier current account | Private Banking Premier Investment account (with bonus) | Private Banking Premier Investment Account Including 12 month bonus | Private Banking Premier Investment account (without bonus) | Private Banking Premier Plus account | Estate/Trust Cash account | Estate/Trust Cash account debit interest rate | Estate/Trust Extra Interest account | Estate/Trust Extra Interest account debit interest | Estate/Trust Income account | Estate/Trust Income account debit interest | Mayfair current account rates | Mayfair current account overdraft rates | Mayfair High Interest Cheque account | Mayfair Investment Management Income account | Mayfair Instant Access Investment account | Mayfair Investment Management Dealing account | Unit Trust Management service
Details of charges for Private Banking products and services are available on request.
| Amount Invested | AER/Gross % | Gross % | Net % |
|---|---|---|---|
| £100,000+ | 3.55 | 3.48 | 2.78 |
| £50,000+ | 3.15 | 3.10 | 2.47 |
| £25,000+ | 2.80 | 2.75 | 2.19 |
| £10,000+ | 2.45 | 2.41 | 1.92 |
| £5,000+ | 1.45 | 1.44 | 1.15 |
| £1,000+ | 1.45 | 1.44 | 1.15 |
| £500+ | 1.45 | 1.44 | 1.15 |
| £1+ | 1.45 | 1.44 | 1.15 |
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| Amount Invested | AER/Gross % | Gross % | Net % |
|---|---|---|---|
| £100,000+ | 0.10 | 0.10 | 0.08 |
| £50,000+ | 0.10 | 0.10 | 0.08 |
| £20,000+ | 0.10 | 0.10 | 0.08 |
| £10,000+ | 0.10 | 0.10 | 0.08 |
| £1+ | 0.10 | 0.10 | 0.08 |
Where a Private Banking Current account is linked to Lloyds TSB Offset, no interest is payable.
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| Amount Invested | AER/Gross % | Gross % | Net % |
|---|---|---|---|
| All Balances | 1.45 | 1.44 | 1.15 |
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| Amount Invested | AER | Gross % | Net % |
|---|---|---|---|
| £100,000+ | 3.55 | 3.48 | 2.78 |
| £50,000+ | 3.15 | 3.09 | 2.47 |
| £25,000+ | 2.80 | 2.75 | 2.19 |
| £10,000+ | 2.45 | 2.41 | 1.92 |
| £1+ | 1.45 | 1.44 | 1.15 |
Where a Private Banking Investment account is linked to Lloyds TSB Offset, no interest is payable.
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| Interest Tiers | % Per month | % EAR |
|---|---|---|
| £251+ (Planned & Unplanned) | 0.79 | 9.90 |
Where a Private Banking Premier account is linked to Lloyds TSB Offset, the Planned and Unplanned Overdraft rates are the same as the C&G Offset Mortgage rate, of Base Rate +0.9%.
Click here for information about Private Banking Premier and Premier Plus accounts.
| Amount Invested | Credit interest paid annually | ||
|---|---|---|---|
| AER % | Gross % | Net % | |
| £50,000+ | 0.10 | 0.10 | 0.08 |
| £1 - £49,999 | 0.10 | 0.10 | 0.08 |
Where a Private Banking Premier Current account is linked to Lloyds TSB Offset, no interest is payable.
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| Amount Invested | Annual Interest | Monthly Interest (Annual Rate) | ||||
|---|---|---|---|---|---|---|
| AER % with 6 month bonus** | Gross % with bonus*** | Net % with bonus*** | AER % with 6 month bonus** | Gross % with bonus*** | Net % with bonus*** | |
| £100,000+ | 4.30 | 4.55 | 3.64 | 3.95 | 4.10 | 3.28 |
| £50,000+ | 4.20 | 4.45 | 3.56 | 3.85 | 4.01 | 3.21 |
| £25,000+ | 4.05 | 4.30 | 3.44 | 3.70 | 3.86 | 3.09 |
| £10,000+ | 3.80 | 4.05 | 3.24 | 3.45 | 3.62 | 2.89 |
| £2,500+ | 3.55 | 3.80 | 3.04 | 3.20 | 3.38 | 2.70 |
| £1+ | 0.10 | 0.10 | 0.08 | 0.10 | 0.10 | 0.08 |
Where a Private Banking Premier Investment account is linked to Lloyds TSB Offset, no interest is payable.
** Accounts opened for new Private Banking clients from 1st December 2003 up to 30 September 2007 and from 1st January 2008 will receive an introductory bonus of 0.50% p.a. Gross payable on balances of £2,500 or more for six months from the date of account opening.
*** The Gross and Net rates include the six month introductory bonus. At the end of the bonus period, rates without bonus will apply. Please see the 'without bonus' table.
Click here for information about Private Banking Premier and Premier Plus accounts.
| Amount Invested | Annual Interest | Monthly Interest (Annual Rate) | ||||
|---|---|---|---|---|---|---|
| AER % including 12 months' bonus | Gross % including 12 months' bonus | Net % including 12 months' bonus | AER % including 12 months' bonus | Gross % including 12 months' bonus | Net % including 12 months' bonus | |
| £100,000+ | 4.55 | 4.55 | 3.64 | 4.20 | 4.10 | 3.28 |
| £50,000+ | 4.45 | 4.45 | 3.56 | 4.10 | 4.01 | 3.21 |
| £25,000+ | 4.30 | 4.30 | 3.44 | 3.95 | 3.86 | 3.09 |
| £10,000+ | 4.05 | 4.05 | 3.24 | 3.70 | 3.62 | 2.89 |
| £2,500+ | 3.80 | 3.80 | 3.04 | 3.45 | 3.38 | 2.70 |
| £1+ | 0.10 | 0.10 | 0.08 | 0.10 | 0.10 | 0.08 |
Accounts opened for new Private Banking clients from 1st October 2007 to 31st December 2007 will receive an introductory bonus of 0.50% p.a. Gross payable on balances of £2,500 or more for twelve months from the date of account opening.
Where a Private Banking Premier Investment account is linked to Lloyds TSB Offset, no interest is payable.
Click here for information about Private Banking Premier and Premier Plus accounts.
| Amount Invested | Annual Interest | Monthly Interest (Annual Rate) | |||
|---|---|---|---|---|---|
| AER/Gross % | Net % | AER % | Gross % | Net % | |
| £100,000+ | 4.05 | 3.24 | 3.70 | 3.62 | 2.89 |
| £50,000+ | 3.95 | 3.16 | 3.60 | 3.52 | 2.82 |
| £25,000+ | 3.80 | 3.04 | 3.45 | 3.38 | 2.70 |
| £10,000+ | 3.55 | 2.84 | 3.20 | 3.14 | 2.52 |
| £2,500+ | 3.30 | 2.64 | 2.95 | 2.90 | 2.32 |
| £1+ | 0.10 | 0.08 | 0.10 | 0.10 | 0.08 |
Where a Private Banking Premier Investment account is linked to Lloyds TSB Offset, no interest is payable.
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| Amount Invested | Credit interest paid monthly | ||
|---|---|---|---|
| AER % | Gross % | Net % | |
| £5,000+ | 0.10 | 0.10 | 0.08 |
| £1 - £4,999 | 4.25 | 4.17 | 3.34 |
Where a Private Banking Premier Plus account is linked to Lloyds TSB Offset, no interest is payable.
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| Amount Invested | AER/Gross % | Gross % | Net % |
|---|---|---|---|
| £50,000+ | 1.45 | 1.44 | 1.16 |
| £10,000+ | 1.45 | 1.44 | 1.16 |
| £5,000+ | 1.45 | 1.44 | 1.16 |
| £500+ | 1.45 | 1.44 | 1.16 |
| £1+ | 1.45 | 1.44 | 1.16 |
| Annual Rate | |
|---|---|
| Payable Half Yearly | Base+3 % |
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| Amount Invested | AER/Gross % | Gross % | Net % |
|---|---|---|---|
| £100,000+ | 3.55 | 3.48 | 2.78 |
| £50,000+ | 3.15 | 3.09 | 2.47 |
| £25,000+ | 2.80 | 2.75 | 2.19 |
| £10,000+ | 2.45 | 2.41 | 1.92 |
| £5,000+ | 2.25 | 2.23 | 1.78 |
| £500+ | 2.25 | 2.23 | 1.78 |
| £1+ | 2.25 | 2.23 | 1.78 |
| Annual Rate | |
|---|---|
| Payable Half Yearly | Base+2 % |
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| Amount Invested | AER/Gross % | Gross % | Net % |
|---|---|---|---|
| All Balances | 1.45 | 1.44 | 1.16 |
| Annual Rate | |
|---|---|
| Payable Half Yearly | Base+3 % |
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| Amount Invested | AER/Gross % | Gross % | Net % |
|---|---|---|---|
| £100,000+ | 0.00 | 0.00 | 0.00 |
| £50,000+ | 0.00 | 0.00 | 0.00 |
| £20,000+ | 0.00 | 0.00 | 0.00 |
| £5,000+ | 0.00 | 0.00 | 0.00 |
| £1+ | 0.00 | 0.00 | 0.00 |
Where a Mayfair Current account is linked to Lloyds TSB Offset, no interest is payable.
| % Per Month | % EAR | |
|---|---|---|
| Planned & Unplanned | 0.72 | 8.9 |
| Offset | N/A | Base +0.9% |
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| Interest Tiers | Mayfair High Interest Cheque Account | ||
|---|---|---|---|
| Gross AER % | Gross % | Net % | |
| £100,000+ | 4.70 | 4.58 | 3.67 |
| £50,000+ | 4.70 | 4.58 | 3.67 |
| £25,000+ | 4.70 | 4.58 | 3.67 |
| £10,000+ | 4.20 | 4.10 | 3.28 |
| £2,500+ | 3.70 | 3.62 | 2.89 |
| £1+ | 3.70 | 3.62 | 2.89 |
Where a Mayfair High Interest Cheque account is linked to Lloyds TSB Offset, no interest is payable.
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| Amount Invested | AER/Gross % | Gross % | Net % |
|---|---|---|---|
| All Balances | 1.45 | 1.44 | 1.15 |
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| Amount Invested | AER/Gross % | Gross % | Net % |
|---|---|---|---|
| £100,000+ | 4.70 | 4.58 | 3.67 |
| £50,000+ | 4.70 | 4.58 | 3.67 |
| £25,000+ | 4.70 | 4.58 | 3.67 |
| £10,000+ | 4.20 | 4.10 | 3.28 |
| £1+ | 3.70 | 3.62 | 2.89 |
Where a Mayfair Instant Access Investment account is linked to Lloyds TSB Offset, no interest is payable.
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| Amount Invested | AER/Gross % | Gross % | Net % |
|---|---|---|---|
| £100,000+ | 3.55 | 3.48 | 2.78 |
| £50,000+ | 3.15 | 3.10 | 2.47 |
| £25,000+ | 2.80 | 2.75 | 2.19 |
| £10,000+ | 2.45 | 2.41 | 1.92 |
| £5,000+ | 1.45 | 1.44 | 1.15 |
| £1+ | 1.45 | 1.44 | 1.15 |
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| AER/Gross % | Gross % | Net % | |
|---|---|---|---|
| Capital Account | 1.45 | 1.44 | 1.15 |
| Income Account | 1.45 | 1.44 | 1.15 |
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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.
EAR – EAR stands for Equivalent Annual Rate. The EAR does not take into account any additional charges (e.g. arrangement fees/securities charges/monthly fees) which may be applicable.
TAX FREE RATE – The annual interest rate when interest is exempt from income tax.
Interest is normally paid at the net rate unless the Account falls within an exempt category or the Account holder qualifies to receive interest gross. Interest rates may vary from time to time. All rates are per annum except where stated.
