Interest rates

Online accounts

Monthly Rates

Account Name
 
Balance
e-ISA £20,000 and above Annual interest only
    £10,000 to £19,999 Annual interest only
    £10 to £9,999 Annual interest only
   

Effective 29 March 2009.

Variable tiered rate paid annually.

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Internet Saver £1 and above 2.08% 1.66% 2.10%
   

Effective 29 March 2009.

Variable rate paid annually or monthly.

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Annual Rates

Account Name
 
Balance
Access Saver £50 and above
0.25% 0.20% 0.25%
   

Effective 29 March 2009.

Variable rate paid annually or monthly.

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Access Saver for Pensioners £50 and above 0.25% 0.20% 0.25%
   

Effective 29 March 2009.

Variable rate paid annually or monthly.

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Advantage 50+ Saver 3 £100,000 and above 1.75% 1.40% 1.75%
    £50,000 to £99,999 1.50% 1.20% 1.50%
    £25,000 to £49,999 1.25% 1.00% 1.25%
    £5,000 to £24,999 1.00% 0.80% 1.00%
   

Effective 29 March 2009.

Variable, tiered rate of interest paid monthly or annually.

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Cash Transactor £0 and above 0.05% 0.04% 0.05%
   

Effective 29 March 2009.

Variable rate paid annually.

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Charities Account £100 and above 0.35% Tax-free
 Tax-free means that interest is not subject to income tax
0.35%
   

Effective 29 March 2009.

Variable rate paid annually.

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Internet Saver £1 and above 2.10% 1.68% 2.10%
   

Effective 29 March 2009.

Variable rate paid annually or monthly.

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Postal Saver £100,000 and above 1.25% 1.00% 1.25%
    £50,000 to £99,999 1.15% 0.92% 1.15%
    £25,000 to £49,999 1.00% 0.80% 1.00%
    £10,000 to £24,999 0.90% 0.72% 0.90%
    £1,000 to £9,999 0.50% 0.40% 0.50%
    £100 to £999 0.25% 0.20% 0.25%
   

Effective 29 March 2009.

Variable tiered rate paid annually or monthly.

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Blades Account £100 and above
0.10% 0.08% 0.10%
   

Effective 29 March 2009.

Over 18 account, variable rate paid annually.

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Bulls Account £100 and above 0.10% 0.08% 0.10%
   

Effective 29 March 2009.

Over 18 account, variable rate paid annually.

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Terriers Account £100 and above 0.25% 0.20% 0.25%
   

Effective 29 March 2009.

Over 18 account, variable rate paid annually.

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Monthly Rates

Account Name
 
Balance
Access Saver £50 and above
0.24% 0.19% 0.25%
   

Effective 29 March 2009.

Variable rate paid annually or monthly.

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Access Saver for Pensioners £50 and above 0.24% 0.19% 0.25%
   

Effective 29 March 2009.

Variable rate paid annually or monthly.

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Advantage 50+ Saver 3 £100,000 and above
1.74% 1.39% 1.75%
    £50,000 to £99,999 1.49% 1.19% 1.50%
    £25,000 to £49,999 1.24% 0.99% 1.25%
    £5,000 to £24,999 0.99% 0.79% 1.00%
   

Effective 29 March 2009.

Variable, tiered rate of interest paid monthly or annually.

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Cash Transactor £0 and above Annual interest only
   

Effective 29 March 2009.

Variable rate paid annually.

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Charities Account £100 and above Annual interest only
   

Effective 29 March 2009.

Variable rate paid annually.

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Internet Saver £1 and above 2.08% 1.66% 2.10%
   

Effective 29 March 2009.

Variable rate paid annually or monthly.

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Postal Saver £100,000 and above 1.24% 0.99% 1.25%
    £50,000 to £99,999 1.14% 0.91% 1.15%
    £25,000 to £49,999 0.99% 0.79% 1.00%
    £10,000 to £24,999 0.89% 0.71% 0.90%
    £1,000 to £9,999 0.49% 0.39% 0.50%
    £100 to £999 0.24% 0.19% 0.25%
   

Effective 29 March 2009.

Variable tiered rate paid annually or monthly.

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Blades Account £100 and above
Annual interest only
   

Effective 29 March 2009.

Over 18 account, variable rate paid annually.

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Bulls Account £100 and above Annual interest only
   

Effective 29 March 2009.

Over 18 account, variable rate paid annually.

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Terriers Account £100 and above Annual interest only
   

Effective 29 March 2009.

Over 18 account, variable rate paid annually.

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Bond & Notice accounts

Annual Rates

Account Name
 
Balance
YBS Savings bond (part of Combination Bond 9) £1,000 and above 6.00% 4.80% 6.00%
   

Effective 1 July 2010.

Fixed rate until 30 September 2011 paid annually or monthly.

N.B. This Savings Bond is only available when purchased alongside a Legal & General investment bond following advice from a Legal & General Adviser. The minimum investment amount for the Savings Bond is £1,000 and for the Legal & General investment bond is £5,000, making the total combined minimum investment £6,000. Unlike a deposit account, capital in the Legal & General investment bond is not guaranteed, its value and the level of income may fall as well as rise.

AER assumes investment on 30 September 2010.

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First Time Buyer £100 and above
Including bonus
Monthly interest only
    £100 and above
Excluding bonus
Monthly interest only
   

Effective 29 March 2009.

Variable rate paid monthly.

£100 per month saved at 2.05% gross p.a 2.07% AER (rate including conditional bonus) would lead to gross interest of £13.39 at the end of the 12 month period.

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Notice Saver £100,000 and above 0.75% 0.60% 0.75%
    £50,000 to £99,999 0.60% 0.48% 0.60%
    £25,000 to £49,999 0.45% 0.36% 0.45%
    £10,000 to £24,999 0.40% 0.32% 0.40%
    £100 to £9,999 0.35% 0.28% 0.35%
   

Effective 29 March 2009.

Variable tiered rate paid annually or monthly.

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Regular Saver 2 £10 - £250 a month
Including bonus
3.00% 2.40% 3.00%
    £10 - £250 a month Excluding bonus 1.00% 0.80% 1.00%
   

Effective 29 March 2009.

Variable rate paid annually.

£100 per month saved at 3.00% gross p.a./AER (rate including conditional bonus) would lead to gross interest of £19.58 at the end of the 12 month period.

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Rollover Bond £100 and above 2.00% 1.60% 2.00%
   

Effective 1 September 2010.

One year fixed rate paid annually or monthly.

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Treasure Bond £100 and above 2.00% 1.60% 2.00%
   

Effective 1 September 2010.

One year fixed rate paid annually.

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Variable Rate Bond 5 £100 and above 1.75% 1.40% 1.75%
   

Effective 29 March 2009.

One year tracker paid annually or monthly, AER guaranteed to be a percentage above Bank of England base rate.

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Monthly Rates

Account Name
 
Balance
YBS Savings bond (part of Combination Bond 9) £1,000 and above 5.81% 4.67% 6.00%
   

Effective 1 July 2010.

Fixed rate until 30 September 2011 paid annually or monthly.

N.B. This Savings Bond is only available when purchased alongside a Legal & General investment bond following advice from a Legal & General Adviser. The minimum investment amount for the Savings Bond is £1,000 and for the Legal & General investment bond is £5,000, making the total combined minimum investment £6,000. Unlike a deposit account, capital in the Legal & General investment bond is not guaranteed, its value and the level of income may fall as well as rise.

AER assumes investment on 30 September 2010.

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First Time Buyer £100 and above
Including bonus
2.05% 1.64% 2.07%
    £100 and above
Excluding bonus
1.03% 0.82% 1.04%
   

Effective 29 March 2009.

Variable rate paid monthly.

£100 per month saved at 2.05% gross p.a/ 2.07% AER (rate including conditional bonus) would lead to gross interest of £13.39 at the end of the 12 month period.

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Notice Saver £100,000 and above 0.74% 0.59% 0.75%
    £50,000 to £99,999 0.59% 0.47% 0.60%
    £25,000 to £49,999 0.44% 0.35% 0.45%
    £10,000 to £24,999 0.39% 0.31% 0.40%
    £100 to £9,999 0.34% 0.27% 0.35%
   

Effective 29 March 2009.

Variable tiered rate paid annually or monthly.

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Regular Saver 2 £10 a month
Including bonus
Annual interest only
    £10 and above Excluding bonus Annual interest only
   

Effective 29 March 2009.

Variable rate paid annually.

£100 per month saved at 3.00% gross p.a./AER (rate including conditional bonus) would lead to gross interest of £19.58 at the end of the 12 month period.

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Rollover Bond £100 and above 1.98% 1.58% 2.00%
   

Effective 1 September 2010.

One year fixed rate paid annually or monthly.

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Treasure Bond £100 and above Annual interest only
   

Effective 1 September 2010.

One year fixed rate paid annually.

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Variable Rate Bond 5 £100 and above 1.73% 1.38% 1.75%
   

Effective 29 March 2009.

One year tracker paid annually or monthly, AER guaranteed to be a percentage above Bank of England base rate.

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Annual Rates

Account Name
 
Balance
e-ISA £20,000 and above 2.25% Tax-free
 Tax-free means that interest is not subject to income tax
2.25%
    £10,000 to £19,999 2.10% Tax-free
 Tax-free means that interest is not subject to income tax
2.10%
    £10 to £9,999 1.90% Tax-free
 Tax-free means that interest is not subject to income tax
1.90%
   

Effective 29 March 2009.

Variable tiered rate paid annually.

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Fixed Rate ISA £100 and above 2.50% Tax-free
 Tax-free means that interest is not subject to income tax
2.50%
   

Effective 20 August 2010.

Fixed rate paid monthly or annually.

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Fixed Rate Anniversary ISA £100 and above 2.00% Tax-free
 Tax-free means that interest is not subject to income tax
2.00%
   

Effective 1 September 2010.

One year fixed rate paid annually or monthly. 

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ISA Plus £10 and above 0.80% Tax-free
 Tax-free means that interest is not subject to income tax
0.80%
   

Effective 29 March 2009.

Variable rate paid annually or monthly.

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Monthly Reward ISA £10 and above Monthly interest only
   

Effective 29 March 2009.

Variable rate paid monthly.

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Monthly Rates

Account Name
 
Balance
e-ISA £20,000 and above Annual interest only
    £10,000 to £19,999 Annual interest only
    £10 to £9,999 Annual interest only
   

Effective 29 March 2009.

Variable tiered rate paid annually.

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Fixed Rate ISA £100 and above 2.47% Tax-free
 Tax-free means that interest is not subject to income tax
2.50%
   

Effective 20 August 2010.

Fixed rate paid monthly or annually.

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Fixed Rate Anniversary ISA £100 and above 1.98% Tax-free
 Tax-free means that interest is not subject to income tax
2.00%
   

Effective 1 September 2010.

One year fixed rate paid annually or monthly. 

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ISA Plus £10 and above 0.79% Tax-free
 Tax-free means that interest is not subject to income tax
0.80%
   

Effective 29 March 2009.

Variable rate paid annually or monthly.

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Monthly Reward ISA £10 and above 2.23% Tax-free
 Tax-free means that interest is not subject to income tax
2.25%
   

Effective 29 March 2009.

Variable rate paid monthly.

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Annual Rates

Account Name
 
Balance
Child Trust Fund Including introductory bonus* 3.00% Tax-free
 Tax-free means that interest is not subject to income tax
3.00%
    Excluding introductory bonus 2.30% Tax-free
 Tax-free means that interest is not subject to income tax
2.30%
   

Effective 29 March 2009.

*Paid for the first 12 months the account is open. This introductory offer may be withdrawn at any time.

Variable rate paid annually.

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One Day account £10 and above 1.74% 1.40% 1.75%
   

Effective 29 March 2009.

Variable rate paid biannually. 

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Freedom account £10 and above 1.74% 1.40% 1.75%
   

Effective 29 March 2009.

Variable rate paid biannually. 

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Treasure bond £100 and above 2.00% 1.60% 2.00%
   

Effective 1 September 2010.

One year fixed rate paid annually.

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Blades Account £10 and above
0.10% 0.08% 0.10%
   

Effective 29 March 2009.

Under 18 account, variable rate paid annually.

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Bulls Account £10 and above 0.10% 0.08% 0.10%
   

Effective 29 March 2009.

Under 18 account, variable rate paid annually.

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Terriers Account £10 and above 0.25% 0.20% 0.25%
   

Effective 29 March 2009.

Under 18 account, variable rate paid annually.

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Monthly Rates

Account Name
 
Balance
Child Trust Fund Including introductory bonus* Annual interest only
    Excluding introductory bonus Annual interest only
   

Effective 29 March 2009.

*Paid for the first 12 months the account is open. This introductory offer may be withdrawn at any time.

Variable rate paid annually.

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One Day account £10 and above Annual interest only
   

Effective 29 March 2009.

Variable rate paid biannually. 

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Freedom account £10 and above Annual interest only
   

Effective 29 March 2009.

Variable rate paid biannually. 

Find out more »

Treasure bond £100 and above Annual interest only
   

Effective 1 September 2010.

One year fixed rate paid annually.

Find out more »

Blades Account £10 and above
Annual interest only
   

Effective 29 March 2009.

Under 18 account, variable rate paid annually.

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Bulls Account £10 and above Annual interest only
   

Effective 29 March 2009.

Under 18 account, variable rate paid annually.

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Terriers Account £10 and above Annual interest only
   

Effective 29 March 2009.

Under 18 account, variable rate paid annually.

Find out more »

Client Investment accounts

Annual Rates

Account Name
 
Balance
Firm elects not to receive commission £50,000
and above
0.05% 0.04% 0.04%
    £5,000 - £49,999 0.05% 0.04% 0.04%
    £1,000 - £4,999 0.05% 0.04% 0.04%
    £25 - £999 0.05% 0.04% 0.04%
   

Effective 29 March 2009.

Variable rate paid annually.

Firm elects to receive commission £50,000
and above
0.05% 0.04% 0.04%
    £5,000 - £49,999 0.05% 0.04% 0.04%
    £1,000 - £4,999 0.05% 0.04% 0.04%
    £25 - £999 0.05% 0.04% 0.04%
   

Effective 29 March 2009.

Variable rate paid annually.

Monthly Rates

Account Name
 
Balance
Firm elects not to receive commission £50,000 and above Annual interest only
    £5,000 - £49,999 Annual interest only
    £1,000 - £4,999 Annual interest only
    £25 - £999 Annual interest only
   

Effective 29 March 2009.

Variable rate paid annually.

Firm elects to receive commission £50,000 and above Annual interest only
    £5,000 - £49,999 Annual interest only
    £1,000 - £4,999 Annual interest only
    £25 - £999 Annual interest only
   

Effective 29 March 2009.

Variable rate paid annually.


Please note:

Interest on the following accounts is payable free of income tax: E-ISA, ISA Plus, Fixed Rate Anniversary ISA, Fixed Rate ISA (when available), Charities account, Child Trust Fund. Interest on the remaining investment and savings accounts is payable net of income tax at the lower rate, currently 20% or, subject to the required registration, gross. Investors may reclaim from the HM Revenue & Customs any tax deducted where the amount exceeds their liability to tax. Please see relevant account leaflet's for full details.

AER stands for Annual Equivalent Rate and shows you what the interest rate would be if interest was paid and added each year. This will enable you to compare more easily the return you can expect from your savings over time.

We are a member of the Financial Ombudsman Service.


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