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Private Banking rates (previous)

Private Banking Capital Account

Amount InvestedAER/Gross %Gross %Net %
£100,000+0.300.300.24
£50,000+0.200.200.16
£25,000+0.200.200.16
£10,000+0.100.100.08
£5,000+0.100.100.08
£1,000+0.100.100.08
£500+0.100.100.08
£1+0.100.100.08
 
These interest rates were correct from 02/02/2009 to 02/03/2009.


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Private Banking Current Account

Amount InvestedAER/Gross %Gross %Net %
£100,000+0.100.100.08
£50,000+0.100.100.08
£20,000+0.100.100.08
£10,000+0.100.100.08
£1+0.100.100.08
 
These interest rates were correct from 04/04/2005 to 02/12/2010.


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Private Banking Income Account

Amount InvestedAER/Gross %Gross %Net %
All Balances0.950.950.76
 
These interest rates were correct from 03/11/2008 to 01/12/2008.


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Private Banking Investment Account

Amount InvestedAERGross %Net %
£100,000+0.400.400.32
£50,000+0.200.200.16
£25,000+0.200.200.16
£10,000+0.100.100.08
£1+0.100.100.08
 
These interest rates were correct from 02/02/2009 to 02/03/2009.


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Private Banking Premier Accounts overdraft rates

Interest Tiers% Per month% EAR
£251+ (Planned & Unplanned)0.799.90
 
These interest rates were correct from 02/11/2007 to 02/11/2011.


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Private Banking Premier Current Account

Amount InvestedCredit interest paid annually
AER %Gross %Net %
£50,000+0.100.100.08
£1 - £49,9990.100.100.08
 
These interest rates were correct from 03/07/2006 to 02/12/2010.


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Private Banking Premier Investment Account (without bonus)

Amount InvestedAnnual InterestMonthly Interest (Annual Rate)
AER/Gross % Net %AER %Gross %Net %
£100,000+0.750.600.400.400.32
£50,000+0.750.600.400.400.32
£25,000+0.500.400.150.150.12
£10,000+0.250.200.100.100.08
£2,500+0.100.080.100.100.08
£1+0.100.080.100.100.08
 
These interest rates are correct as at 01/04/2009.


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Private Banking Premier Investment Account Including 12 month bonus

Amount InvestedAnnual InterestMonthly Interest (Annual Rate)
AER % including 12 months' bonusGross % including 12 months' bonusNet % including 12 months' bonusAER % including 12 months' bonusGross % including 12 months' bonusNet % including 12 months' bonus
£100,000+1.251.251.000.900.900.72
£50,000+1.251.251.000.900.900.72
£25,000+1.001.000.800.650.650.52
£10,000+0.750.750.600.400.400.32
£2,500+0.600.600.480.250.250.20
£1+0.100.100.080.100.100.08
 
These interest rates are correct as at 01/04/2009.


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Accounts opened for new Private Banking clients from 1st April 2009 will receive an introductory bonus of 0.50% p.a. AER payable on balances of £2,500 or more, for twelve months from the date of account opening. The gross and net rates include the twelve months introductory bonus. At the end of the bonus period, rates without bonus will apply. Please see the ‘without bonus’ table.  Where a Private Banking Premier Investment account is linked to Lloyds TSB offset, no interest is payable.


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Private Banking Premier Plus Account

Amount InvestedCredit interest paid monthly
AER %Gross %Net %
£5,000+0.100.100.08
£1 - £4,9994.003.933.14
 
These interest rates were correct from 02/02/2009 to 01/04/2009.


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Private Banking Premier Reserve Account - less than 5 withdrawals

Amount InvestedAnnual InterestMonthly Interest (Annual Rate)
AER/Gross %Net %AER %Gross %Net %
£500,000+2.602.082.602.572.06
£25,000+2.502.002.502.471.98
£2,500+0.750.600.750.750.60
£1+0.100.080.100.100.08
 
These interest rates were correct from 01/10/2009 to 21/06/2010.


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Estate/Trust Cash Account

Amount InvestedAER/Gross %Gross %Net %
£50,000+0.950.950.76
£10,000+0.950.950.76
£5,000+0.950.950.76
£500+0.950.950.76
£1+0.950.950.76
 
These interest rates were correct from 03/11/2008 to 01/12/2008.

Estate/Trust Cash Account Debit Interest Rate

Annual Rate
Payable Half YearlyBase+3 %
 
These interest rates are correct as at 01/12/2006.


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Estate/Trust Extra Interest Account

Amount InvestedAER/Gross %Gross %Net %
£100,000+0.300.300.24
£50,000+0.200.200.16
£25,000+0.200.200.16
£10,000+0.100.100.08
£5,000+0.100.100.08
£500+0.100.100.08
£1+0.100.100.08
 
These interest rates were correct from 02/02/2009 to 02/03/2009.

Estate/Trust Extra Interest Account Debit Interest

Annual Rate
Payable Half YearlyBase+2 %
 
These interest rates were correct from 04/10/2001 to 08/11/2001.


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Estate/Trust Income Account

Amount InvestedAER/Gross %Gross %Net %
All Balances0.950.950.76
 
These interest rates were correct from 03/11/2008 to 01/12/2008.

Estate/Trust Income Account Debit Interest

Annual Rate
Payable Half YearlyBase+3 %
 
These interest rates were correct from 04/10/2001 to 08/11/2001.


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Mayfair Current Account Range

Amount InvestedAER/Gross %Gross %Net %
£100,000+0.000.000.00
£50,000+0.000.000.00
£20,000+0.000.000.00
£5,000+0.000.000.00
£1+0.000.000.00
 
These interest rates were correct from 31/12/2001 to 01/03/2004.

Mayfair Current Account Range Overdraft Rates

% Per Month % EAR
Planned & Unplanned0.728.9
OffsetN/ABase +0.9%
 
These interest rates were correct from 02/11/2007 to 02/11/2011.


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Mayfair High Interest Cheque Account

Interest TiersMayfair High Interest Cheque Account
Gross AER %Gross %Net %
£100,000+1.101.090.88
£50,000+1.001.000.80
£25,000+1.001.000.80
£10,000+1.001.000.80
£2,500+0.700.700.56
£1+0.700.700.56
 
These interest rates were correct from 02/03/2009 to 01/04/2009.


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Mayfair Investment Management Income Account

Amount InvestedAER/Gross %Gross %Net %
All Balances0.950.950.76
 
These interest rates were correct from 03/11/2008 to 01/12/2008.


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Mayfair Instant Access Investment Account

Amount InvestedAER/Gross %Gross %Net %
£100,000+1.101.090.88
£50,000+1.001.000.80
£25,000+1.001.000.80
£10,000+1.001.000.80
£1+0.700.700.56
 
These interest rates were correct from 02/03/2009 to 01/04/2009.


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Mayfair Investment Management Dealing Account

Amount InvestedAER/Gross %Gross %Net %
£100,000+0.300.300.24
£50,000+0.200.200.16
£25,000+0.200.200.16
£10,000+0.100.100.08
£5,000+0.100.100.08
£1+0.100.100.08
 
These interest rates were correct from 02/02/2009 to 02/03/2009.


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Mayfair Reserve Account - less than 5 withdrawals

Amount Invested Annual InterestMonthly Interest (Annual Rate)
AER/Gross %Net %AER %Gross %Net %
£500,000+2.602.082.602.572.06
£25,000+2.502.002.502.471.98
£2,500+0.750.600.750.750.60
£1+0.100.080.100.100.08
 
These interest rates were correct from 01/10/2009 to 21/06/2010.


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Unit Trust Management Service

AER/Gross %Gross %Net %
Capital Account0.951.020.81
Income Account0.951.601.28
 
These interest rates were correct from 03/11/2008 to 01/12/2008.


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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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