Savings rates

This page provides the current interest rates that apply to NatWest savings account. We have a separate page for previous savings interest rates.

Full copies of the fees and rates, and terms and conditions that apply to our personal accounts can be downloaded for our terms and conditions page

Information within this page

Common definitions

Interest rates for savings accounts no longer available to new customers

30 Day Bonus Reserve
Reward Reserve
Advantage Reserve
Advantage Private Reserve
Private Banking Savings Account
First Home Saver
Savings Direct
5 Year Children’s Bond
Community Bond
e-Savings Plus
Regular Saver
Instant Access Reserve
Diamond Reserve
Cash ISA – TESSA Funds
Telephone Saver PLUS
Pensioner Fixed Rate Account Issue 107
5 Year Fixed Rate Bond
Cash ISA Plus

Common definitions

Annual Equivalent Rate (AER). This is a notional rate used for interest bearing accounts which illustrates what the interest would be if paid and compounded each year. It helps you to compare the effective rates of credit interest on different accounts.

Gross Rate. This means the interest rate you are paid before the deduction of income tax.

Net Rate. This means the interest rate you are paid after the deduction of income tax.

E-Savings rates

Excluding Bonus

Balance	AER (variable)	Gross Rate % p.a.	Net Rate % p.a.
£1+	1.00%	1.00%	0.80%

Note: Internet based account only
Last updated on: 31 Oct 2012.

Including 1.81% gross bonus on balances up to £1,000,000 for customers who applied for an e-Savings account between 18 October 2012 and 30 October 2012.

Balance	AER (variable)	Gross Rate % p.a.	Net Rate % p.a.
£1 - £1,000,000	2.85%	2.81%	2.25%
Over £1,000,000	N/A	N/A	N/A

Interest paid monthly
Last updated on: 18 Oct 2012.

e-ISA rates

Current interest rates applicable to all E-ISA customers (Excluding Bonus)

Balance	AER (variable)	Gross Rate % p.a. (variable)	Net Rate % p.a.
£30,000+	2.25%	2.23%	N/A
£10,000 - £29,999	2.00%	1.98%	N/A
£0 - £9,999	1.75%	1.74%	N/A

Interest paid monthly.
Note: Internet based account only
Last updated on: 5 Apr 2013.

Including 1% Gross p.a. (fixed) bonus for 12 months for customers who opened account between 01 March 2012 and 18 May 2012:

Balance	AER (variable)	Gross Rate % p.a. (variable)	Net Rate % p.a.
£30,000+	3.09%	3.23%	N/A
£10,000 - £29,999	2.84%	2.98%	N/A
£0 - £9,999	2.59%	2.74%	N/A

Interest paid monthly.
Note: Internet based account only
Last updated on: 5 Apr 2013.

AERs are calculated over a 365 day period. AER including bonus is based on earning the rate excluding bonus for 66 days (maximum period from account opening before bonus will be paid) and then earning the rate including 1% bonus for 299 days.

First Reserve rates

Balance	AER (variable)	Gross Rate % p.a.	Net Rate % p.a.
£1+	0.10%	0.10%	0.08%

Interest paid quarterly.
Last updated on: 24 Jul 2009.

Including 1.00% bonus

Limited period offer for customers who apply for a First Reserve Account from 10 October 2011 to 31 December 2011.

Only available to customers who already hold a Select Silver Account. New and existing Select Silver Account customers that already have a First Reserve Account are eligible for the bonus if they open a new First Reserve Account and deposit at least £5,000 which is new to NatWest. Please note this is a limited offer and may be withdrawn at any time.

The bonus interest is earned from the 15th of the next month after the account is opened. It is paid quarterly along with the standard interest.

Balance	AER (variable)	Gross Rate % p.a.	Net Rate % p.a.
£1+	1.10%	1.10%	0.88%

Last updated on: 11 Oct 2011.

Offset banking

If you choose to offset your First Reserve balance against your Offset Flexible Mortgage, you won't earn interest on the money in your First Reserve account as that balance is being used to reduce the interest you pay on your mortgage. If your First Reserve balance is higher than your mortgage balance, you will earn interest monthly on the amount over and above your outstanding Offset Flexible Mortgage balance. See our Offset Banking page for more information.

Instant Saver rates

Balance	AER (variable)	Gross Rate % p.a. (variable)	Net Rate % p.a.
£100,000+	1.00%	1.00%	0.80%
£25,000 - £99,999	0.70%	0.70%	0.56%
£1 - £24,999	0.50%	0.50%	0.40%

Interest paid quarterly.
Last updated on: 5 Sep 2012.

Young Saver rates

Balance	AER (variable)	Gross Rate % p.a.	Net Rate % p.a.
£1+	0.80%	0.80%	0.64%

Interest paid quarterly.
Last updated on: 24 Jul 2009.

Cash ISA rates

Including 1% Gross p.a. (fixed) bonus for 12 months for customers who opened account between 01 March 2012 and 31 May 2012:

Balance	AER (variable)	Gross Rate % p.a.	Net Rate % p.a.
£50,000+	2.82%	2.98%	N/A
£27,000 - £49,999	2.57%	2.74%	N/A
£22,000 - £26,999	1.92%	2.09%	N/A
£15,000 - £21,999	1.77%	1.95%	N/A
£9,000 - £14,999	1.57%	1.75%	N/A
£1 - £8,999	0.50%	1.50%	N/A

Last updated on: 26 Apr 2012.

Excluding bonus

Rates excluding bonus from 01 April 2009

Balance	AER (variable)	Gross Rate % p.a.	Net Rate % p.a.
£50,000+	2.00%	1.98%	N/A
£27,000 - £49,999	1.75%	1.74%	N/A
£22,000 - £26,999	1.10%	1.09%	N/A
£15,000 - £21,999	0.95%	0.95%	N/A
£9,000 - £14,999	0.75%	0.75%	N/A
£1 - £8,999	0.50%	0.50%	N/A

Last updated on: 4 Sep 2009.

Including 0.5% bonus for 12 months (for customers who applied to transfer in funds between 01 Feb 2010 to 30 Apr 2010)*

Including 0.5% bonus

Balance	AER (variable)	Gross Rate % p.a.	Net Rate % p.a.
£50,000+	2.50%	2.48%	N/A
£27,000 - £49,999	2.25%	2.24%	N/A
£22,000 - £26,999	1.60%	1.59%	N/A
£15,000 - £21,999	1.45%	1.45%	N/A
£9,000 - £14,999	1.25%	1.25%	N/A
£1 - £8,999	1.00%	1.00%	N/A

Last updated on: 2 Feb 2010.

Interest paid monthly.
Interest is paid tax free and is paid monthly to the account.

Special Interest Account rates **

Combi Saver ‘Environmental Strategy Index’ (Issue 9) instant access element** – limited offer account

Fixed term commencing 8 October 2010

Balance	AER	Gross Rate % p.a.	Net Rate % p.a.
On balances up to the same amount invested in the Fixed Term Deposit in the first six months	3.50%	3.45%	2.76%
On balances over the amount invested in the Fixed Term Deposit in the first six months and all deposits after the first six months	0.50%	0.50%	0.40%

**This is the instant access element opened alongside a 3.5 year Fixed Term Deposit as part of the Combi Saver ‘Environmental Strategy Index’ Issue 9 product. Combi Saver ‘Environmental Strategy Index’ is only available periodically to Private Banking customers and those we invite to open the account.
Last updated on: 5 Aug 2010.

Combi Saver ‘Multi Index’ (Issue 8) instant access element** – limited offer account

Fixed term commencing 13 July 2010

Balance	AER	Gross Rate % p.a.	Net Rate % p.a.
On balances up to the same amount invested in the Fixed Term Deposit in the first six months	3.50%	3.45%	2.76%
On balances over the amount invested in the Fixed Term Deposit in the first six months and all deposits after the first six months	0.50%	0.50%	0.40%

**This is the instant access element opened alongside a 3.5 year Fixed Term Deposit as part of the Combi Saver ‘Multi’ Issue 8 product. Combi Saver ‘Multi Index’ is only available periodically to Private Banking customers and those we invite to open the account.
Last updated on: 26 Apr 2010.

Combi Saver ‘Multi Index’ (Issue 7) instant access element** – limited offer account

Fixed term commencing 29 March 2010

Balance	AER	Gross Rate % p.a.	Net Rate % p.a.
On balances up to the same amount invested in the Fixed Term Deposit in the first six months	3.50%	3.45%	2.76%
On balances over the amount invested in the Fixed Term Deposit in the first six months and all deposits after the first six months	0.50%	0.50%	0.40%

**This is the instant access element opened alongside a 3.5 year Fixed Term Deposit as part of the Combi Saver ‘Multi’ Issue 6 product. Combi Saver ‘Multi Index’ is only available periodically to Private Banking customers and those we invite to open the account.
Last updated on: 11 Jan 2010.

Combi Saver ‘Multi Index’ (Issue 6) instant access element

Fixed term commencing 21 December 2009

Balance	AER	Gross Rate % p.a.	Net Rate % p.a.
On balances up to the same amount invested in the Fixed Term Deposit in the first six months	3.50%	3.45%	2.76%
On balances over the amount invested in the Fixed Term Deposit in the first six months and all deposits after the first six months	0.50%	0.50%	0.40%

This issue is no longer available.
Last updated on: 12 Nov 2009.

Combi Saver ‘Green Edition’ (Issue 5) instant access element

Fixed term commencing 18 September 2009

Balance	AER	Gross Rate % p.a.	Net Rate % p.a.
On balances up to the same amount invested in the Fixed Term Deposit in the first six months	3.50%	3.45%	2.76%
On balances over the amount invested in the Fixed Term Deposit in the first six months and all deposits after the first six months	0.50%	0.50%	0.40%

This issue is no longer available.
Last updated on: 12 Nov 2009.

Combi Saver ‘Green Edition’ (Issue 4) instant access element

Fixed term commencing 10 July 2009

Balance	AER	Gross Rate % p.a.	Net Rate % p.a.
On balances up to the same amount invested in the Fixed Term Deposit in the first six months	3.50%	3.45%	2.76%
On balances over the amount invested in the Fixed Term Deposit in the first year and all deposits after the first six months	0.50%	0.50%	0.40%

This issue is no longer available.
Last updated on: 12 Nov 2009.

Combi Saver ‘Green Edition’ (Issue 3) instant access element

Fixed term commencing 5 March 2009

Balance	AER	Gross Rate % p.a.	Net Rate % p.a.
On balances up to the same amount invested in the Fixed Term Deposit in the first six months	3.50%	3.46%	2.77%
On balances up to the same amount invested in the Fixed Term Deposit in the first six months	1.00%	1.00%	0.80%

This issue is no longer available.
Last updated on: 6 Mar 2006.

Combi Saver ‘Green Edition’ (Issue 2) instant access element

Fixed term commencing 22 December 2008

Balance	AER	Gross Rate % p.a.	Net Rate % p.a.
On balances up to the same amount invested in the Fixed Term Deposit in the first year	2.50%	2.48%	1.98%
On balances over the amount invested in the Fixed Term Deposit in the first year and all deposits after the first year	0.50%	0.50%	0.40%

This issue is no longer available.
Last updated on: 6 Mar 2009.

Combi Saver ‘Green Edition’ instant access element – limited offer account

Fixed term commencing 03 October 2008

Balance	AER	Gross Rate % p.a.	Net Rate % p.a.
On balances up to the same amount invested in the Fixed Term Deposit in the first six months	3.50%	3.45%	2.76%
On balances over the amount invested in the Fixed Term Deposit in the first year and all deposits after the first six months	0.50%	0.50%	0.40%

This issue is no longer available.
Last updated on: 12 Nov 2009.

First Home Saver rates

Balance	AER (variable)	Gross Rate % p.a.	Net Rate % p.a.
£1+	1.00%	1.00%	0.80%

Cashback

Amount	Cashback
Over £50,000	£5000
Up to £50,000	£2500
Up to £25,000	£1000
Up to £10,000	£500
£500 to £5,000	£100

Interest paid annually
Last updated on: 2 Jan 2009

Cashback is paid provided the terms and conditions of the First Home Saver are met. The amount of cashback is based on the lowest savings balance in the 6 months before the mortgage is drawn down. It is exempt from tax as it falls within HM Revenue and Customs Statement of Practice SP4/97.

Offset Banking

30 Day Bonus Reserve rates

Excluding bonus

Balance	AER (variable)	Gross Rate % p.a.	Net Rate % p.a.
£100,000+	0.40%	0.40%	0.32%
£2,000 - £99,999	0.25%	0.25%	0.20%
£1 - £1,999	0.10%	0.10%	0.08%

Interest paid annually.
Note: withdrawals require 30 day notice
Last updated on: 24 Jul 2009.

Including bonus

Balance	AER (variable)	Gross Rate % p.a.	Net Rate % p.a.
£100,000+	0.90%	0.90%	0.72%
£2,000 - £99,999	0.75%	0.75%	0.60%
£1 - £1,999	0.10%	0.10%	0.08%

Interest paid annually.
Annual bonus amount - 0.50% (gross per annum)
Last updated on: 24 Jul 2009.

Reward Reserve rates

Excluding all interest rewards

Balance	AER (variable)	Gross Rate % p.a.	Net Rate % p.a.
£50,000+	0.30%	0.30%	0.24%
£25,000 - £49,999	0.25%	0.25%	0.20%
£2,000 - £24,999	0.20%	0.20%	0.16%
£1 - £1,999	0.10%	0.10%	0.08%

Last updated on: 2 Jan 2009.

Including all interest rewards

Balance	AER (variable)	Gross Rate % p.a.	Net Rate % p.a.
£50,000+	0.80%	0.80%	0.64%
£25,000 - £49,999	0.75%	0.75%	0.60%
£2,000 - £24,999	0.70%	0.70%	0.56%
£1 - £1,999	0.10%	0.10%	0.08%

Interest paid quarterly and annually.
Last updated on: 24 Jul 2009.

Quarterly reward amount - 0.25% (gross per annum)
Annual reward amount - 0.25% (gross per annum)

Advantage Reserve rates

Excluding introductory bonus

Balance	AER (variable)	Gross Rate % p.a.	Net Rate % p.a.
£250,000+	0.90%	0.90%	0.72%
£100,000 - £249,999	0.75%	0.75%	0.60%
£50,000 - £99,999	0.65%	0.65%	0.52%
£25,000 - £49,999	0.60%	0.60%	0.48%
£2,000 - £24,999	0.50%	0.50%	0.40%
£1 - £1,999	0.10%	0.10%	0.08%

Interest paid quarterly.
Note: Available to Advantage Gold Account and Black Account customers only.
Last updated on: 1 Apr 2009.

Including 1.00% conditional bonus on accounts opened from 10th October 2011 to 31 December 2011.

Balance	AER (variable)	Gross Rate % p.a.	Net Rate % p.a.
£250,000+	1.91%	1.90%	1.52%
£100,000 - £249,999	1.76%	1.75%	1.40%
£50,000 - £99,999	1.66%	1.65%	1.32%
£25,000 - £49,999	1.61%	1.60%	1.28%
£2,000 - £24,999	1.51%	1.50%	1.20%
£1 - £1,999	1.10%	1.10%	0.88%

Interest paid quarterly.
Note: Available to Advantage Gold Account and Black Account customers only.

A bonus equivalent to 1.00% Gross (fixed) p.a. is payable until 28 February 2013 on accounts opened from 10 October 2011. Bonus interest will be calculated from the 15th day of the month after the month in which you open your account and will be paid quarterly in addition to the standard interest payments.
Last updated on: 12 Jul 2010.

Including introductory bonus for accounts opened between 12 July 2010 and 22 October 2010

Balance	AER (variable)	Gross Rate % p.a.	Net Rate % p.a.
£250,000+	1.66%	1.90%	1.52%
£100,000 - £249,999	1.51%	1.75%	1.40%
£50,000 - £99,999	1.41%	1.65%	1.32%
£25,000 - £49,999	1.36%	1.60%	1.28%
£2,000 - £24,999	1.26%	1.50%	1.20%
£1 - £1,999	0.10%	0.10%	0.08%

Interest paid quarterly.
Note: Available to Advantage Gold Account and Black Account customers only.
Last updated on: 12 Jul 2010.

Advantage Private Reserve rates

Excluding bonus

Balance	AER (variable)	Gross Rate % p.a.	Net Rate % p.a.
£250,000+	1.04%	1.04%	0.83%
£100,000 - £249,999	0.75%	0.75%	0.60%
£50,000 - £99,999	0.65%	0.65%	0.52%
£25,000 - £49,999	0.60%	0.60%	0.48%
£10,000 - £24,999	0.50%	0.50%	0.40%
£1 - £9,999	0.10%	0.10%	0.08%

Interest paid monthly.
Note: Available to Black Account customers
Last updated on: 1 Apr 2009.

Including 1.25% gross (fixed) p.a. This includes an unconditional bonus of 0.25% gross (fixed) p.a. Withdrawals and minimum balance limit will not apply (on accounts opened on or after 10 Oct 2011 to 31 December 2011)

Balance	AER (variable)	Gross Rate % p.a.	Net Rate % p.a.
£250,000+	2.31%	2.29%	1.83%
£100,000 - £249,999	2.02%	2.00%	1.60%
£50,000 - £99,999	1.92%	1.90%	1.52%
£25,000 - £49,999	1.87%	1.85%	1.48%
£10,000 - £24,999	1.76%	1.75%	1.40%
£1 - £9,999	1.36%	1.35%	1.08%

Interest paid monthly.

A bonus equivalent to 1.25% Gross p.a. is payable until 28 February 2013 on accounts opened from 10 October 2011. Bonus interest will be paid monthly along with the standard interest payment.

After the bonus ends on 28 February 2013 a conditional bonus equivalent to 0.25% gross p.a. (0.20% net p.a.) will be payable with your monthly interest provided you meet the conditions detailed under the table including 0.25% conditional bonus (on accounts opened before 12 July 2010 and after 22 October 2010). In any month where these conditions are not met, the rates shown in the table excluding conditional bonus will apply.

Last updated on: 12 Jul 2010.

Including 0.25% conditional bonus (on accounts opened before 12 July 2010 and after 22 October 2010)

Balance	AER (variable)	Gross Rate % p.a.	Net Rate % p.a.
£250,000+	1.30%	1.29%	1.03%
£100,000 - £249,999	1.00%	1.00%	0.80%
£50,000 - £99,999	0.90%	0.90%	0.72%
£25,000 - £49,999	0.85%	0.85%	0.68%
£10,000 - £24,999	0.75%	0.75%	0.60%
£1 - £9,999	0.10%	0.10%	0.08%

Interest paid monthly.

A conditional bonus equivalent to 0.25% gross p.a. (0.20% net p.a.) is payable with your monthly interest, if you do not make any withdrawals and maintain a minimum balance of £10,000 in your account during that month.

Note: Available to Black Account customers
Monthly bonus amount - 0.25% (gross per annum)
Last updated on: 12 Jul 2010.

Including introductory 1% conditional bonus & 0.25% conditional bonus (on accounts opened between 12 July 2010 and 22 October 2010)

Balance	AER (variable)	Gross Rate % p.a.	Net Rate % p.a.
£250,000+	2.06%	2.29%	1.83%
£100,000 - £249,999	1.76%	2.00%	1.60%
£50,000 - £99,999	1.66%	1.90%	1.52%
£25,000 - £49,999	1.61%	1.85%	1.48%
£10,000 - £24,999	1.51%	1.75%	1.40%
£1 - £9,999	0.10%	0.10%	0.08%

Interest paid monthly.

The rates in the table above include an introductory conditional bonus equivalent to 1.00% gross p.a. (0.8% net p.a.) and a conditional bonus equivalent to 0.25% gross p.a. (0.20% net p.a.). These bonuses are available on accounts opened between 12 July 2010 and 22 October 2010. These bonuses are payable for the first nine months from account opening where a minimum balance of £10,000 is maintained during this time.

Your bonus interest will be paid monthly for nine consecutive months (along with your standard interest payment) starting on the 16th day of the month after the month in which you open your account. This limited period offer is now closed.

Following the nine month period, a conditional bonus equivalent to 0.25% gross p.a. (0.20% net p.a.) will be payable with your monthly interest provided you meet the conditions detailed under the table Advantage Private Reserve including 0.25% conditional bonus (on accounts opened before 12 July 2010 and after 22 October 2010). In any month where these conditions are not met, the rates shown in the table Advantage Private Reserve (excluding conditional bonus) will apply.

Note: Available to Black Account customers
Monthly bonus amount - 1.00% and 0.25% (gross per annum)
Last updated on: 12 Jul 2010.

Private Banking Savings Account rates

Balance	AER (variable)	Gross Rate % p.a.	Net Rate % p.a.
£250,000+	0.50%	0.50%	0.40%
£100,000 - £249,999	0.35%	0.35%	0.28%
£50,000 - £99,999	0.25%	0.25%	0.20%
£25,000 - £49,999	0.20%	0.20%	0.16%
£5,000 - £24,999	0.20%	0.20%	0.16%
£1 - £4,999	0.20%	0.20%	0.16%

Interest paid quarterly.
Last updated on: 1 Apr 2009.

Savings Direct rates

Balance	AER (variable)	Gross Rate % p.a.	Net Rate % p.a.
£1+	0.10%	0.10%	0.08%

Interest paid monthly.
Note: Telephony, post and internet based account only
Last updated on: 24 Jul 2009.

5 Year Children's Bond rates

Balance	AER	Gross Rate % p.a.	Net Rate % p.a.
Growth	3.00%	3.00%	2.40%

Minimum investment £1000
Last updated on: 19 Dec 2008.

Community Bond rates

Balance	AER	Gross Rate % p.a.	Net Rate % p.a.
3-year Growth*	2.50%	2.50%	2.00%
1-year Growth	2.40%	2.40%	1.92%

* Only available to existing 3 Year Community Bond investors
Minimum investment £500
Last updated on: 19 Dec 2008.

E-Savings Plus rates

Withdrawals made in any given month

Balance	AER (variable)	Gross Rate % p.a.	Net Rate % p.a.
£5000+	0.50%	0.50%	0.40%
£1+	0.10%	0.10%	0.08%

Note: Internet and telephone based account only
Last updated on: 24 Jul 2009.

No withdrawals made in any given month

Balance	AER (variable)	Gross Rate % p.a.	Net Rate % p.a.
£5000+	2.75%	2.72%	2.18%
£1+	0.10%	0.10%	0.08%

Note: Internet and telephone based account only.

The standard rate of interest of 0.50% Gross (variable) and the 12 month conditional bonus of 2.22% Gross p.a. (fixed) are paid only in months where you don't make any withdrawals and maintain a balance of £5,000 or more. If your balance falls below £5,000 you will earn the nominal rate of interest of 0.10% Gross (variable).
Interest is calculated daily and paid on the last business day of each month.
Interest rates are subject to variation.
Last updated on: 24 Jul 2009.

Regular Saver rates

Account no longer available to new customers

Balance	AER	Gross Rate % p.a.	Net Rate % p.a.
Monthly Savings of £25 - £250 per month	5.00%	5.00%	4.00%

Last updated on: 25 Jul 2009.

Available to customers with a NatWest current account or additional savings account.

If more than £250 per month is paid into the account, the excess will receive a nominal rate of interest equivalent to the lowest interest rate tier of the Instant Access Reserve Account.

If you fail to pay at least £25 into the account in any calendar month, make a withdrawal or close your account during the term, your account will be converted to an Instant Access Reserve Account and we will pay you a nominal rate of interest on the balance of your Regular Saver Account from the date that you open your account to the date that your account is converted equivalent to the lowest interest rate tier of the Instant Access Reserve Account.

We calculate interest on a daily basis. This interest is paid into your Instant Access Reserve Account on the first business day after the end of the term* when the account will convert to an Instant Access Reserve Account.

*Depending on the date of account opening, the term of a Regular Saver Account may extend to 12 months plus one partial month. Please see Personal and Private Banking - Terms and Conditions for full details.

Instant Access Reserve rates

Account no longer available to new customers

Balance	AER (variable)	Gross Rate % p.a.	Net Rate % p.a.
£3,000 +	0.50%	0.50%	0.40%
£1 - £2,999	0.20%	0.20%	0.16%

Interest paid quarterly.
Last updated on: 25 Jul 2009.

The Instant Access Reserve Account is not available on application. This is only available for roll off Regular Saver customers

Diamond Reserve

Account no longer available to new customers

Balance	AER (variable)	Gross Rate % p.a.	Net Rate % p.a.
£1+	0.10%	0.10%	0.08%

Interest paid monthly.
Last updated on: 1 Dec 2008.

Cash ISA - TESSA Funds

Account no longer available to new customers

Balance	AER (variable)	Gross Rate % p.a.	Net Rate % p.a.
£1+	0.50%	0.50%	N/A

Interest paid monthly.
Last updated on: 5 Apr 2013.

Telephone Saver PLUS

Account no longer available to new customers

Excluding bonus

Balance	AER	Gross Rate % p.a.	Net Rate % p.a.
£25,000 or over	1.50%	1.49%	1.19%
£1 - £24,999	0.10%	0.10%	0.08%

Last updated on: 1 Apr 2009.

Including 0.78% bonus for 12 months

Balance	AER	Gross Rate % p.a.	Net Rate % p.a.
£25,000 or over	2.29%	2.27%	1.82%
£1 - £24,999	0.10%	0.10%	0.08%

Note: Telephony and internet based account only

All rates correct as at 01.04.09 and are subject to variation. Bonus is for customers who open a Telephone Saver PLUS account from 2 February until 15 March 2009 and maintain a balance of at least £25,000. The bonus interest will be applied for 12 months from the day your account is opened. Any balances below £25,000 will not earn the bonus interest. The bonus will be paid monthly along with the standard interest payment. The Gross and AER rates are applicable from the start date of the bonus. Offer available until 15 March 2009.
Last updated on: 1 Apr 2009.

Including 1.22% bonus for 12 months

Balance	AER	Gross Rate % p.a.	Net Rate % p.a.
£25,000 or over	2.74%	2.71%	2.17%
£1 - £24,999	0.10%	0.10%	0.08%

Interest paid monthly.
Note: Telephony and internet based account only

All rates correct as at 01.04.09 and are subject to variation. Bonus is for customers who open a Telephone Saver PLUS account between 12 January and 1 February 2009 and maintain a balance of at least £25,000. The bonus interest will be applied for 12 months from the day your account is opened. Any balances below £25,000 will not earn the bonus interest. The bonus will be paid monthly along with the standard interest payment. The Gross and AER rates are applicable from the start date of the bonus.
Last updated on: 1 Apr 2009.

Pensioner Fixed Rate Account Issue 107

Account no longer available to new customers

Balance	AER	Gross Rate % p.a.	Net Rate % p.a.
£50,000 + Monthly interest	4.07%	4.00%	3.20%
£25,000 - £49,000 Monthly interest	3.56%	3.50%	2.80%
£5,000 - £24,000 Monthly interest	3.04%	3.00%	2.40%

Minimum investment £5,000
Last updated on: 2 Mar 2009.

5 Year Fixed Rate Bond

Account no longer available to new customers

Balance	AER	Gross Rate % p.a.	Net Rate % p.a.
Annual income/growth	4.80%	4.80%	3.84%
Monthly income	4.70%	4.70%	3.76%

Minimum investment £5000
Last updated on: 3 Mar 2008.

Cash ISA Plus rates

Account no longer available to new customers

Balance	AER (variable)	Gross Rate % p.a.	Net Rate % p.a.
£1+	2.00%	1.98%	N/A

Interest paid monthly.
Note: Account no longer available to new customers
Last updated on: 5 Apr 2013.