With a notice account, you will need to give us advanced notice of your intention to access your money and in return, you are likely to get a higher rate than you would with one of our easy access accounts.
The amount of notice that you are required to give will vary depending upon the individual product terms. Please see our available notice savings accounts below for further details.
| Minimum Balance | £100 + |
| Interest Rate (AER1/Gross2) | 4.75% variable (including a 0.40% bonus, reverting to 4.35% variable) |
| Interest Payable | Annually on 31 December |
| Withdrawals | Withdrawals, closure or transfers are subject to 180 days written notice |
| Access | Online only |
| Minimum Balance | £1 |
| Interest Rate (AER1/Gross2) | 4.75% variable (including a 0.40% bonus, reverting to 4.35% variable) |
| Interest Payable | Annually on 31 December |
| Withdrawals | Withdrawals or closure subject to 180 days written notice |
| Access | Post or branch |
Local and Loyal only
| Minimum Balance | £1 + |
| Interest Rate (AER1/Gross2) | 4.35% tax free^ |
| Interest Payable | Annually on 5 April |
| Withdrawals | Withdrawals or closure subject to 180 days written notice or the loss of 180 days interest |
| Access | Post or branch |
| Minimum Balance | £10 per month + |
| Interest Rate (AER1/Gross2) | 4.25% |
| Interest Payable | Annually on 31 December |
| Withdrawals | Withdrawals or closure are subject to 30 days notice. |
| Access | Online only |
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. AERs on the Monthly Income account assume interest is added to the account each month although in practice the option to have interest added in this way is not available.
The gross rate is the contractual rate of interest payable without tax taken off.
If separate AER/Gross rates are not quoted, both rates are identical.
Tax free means exempt from UK income and capital gains tax in the hands of the investor.
Want to ask us a specific question? Enquire online here or phone us on 01623 676350
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