Getting instant access to your savings

Savings rates

There are lots of reasons why instant access to savings is important.

It could be that you'd like to be prepared for unforeseen events, you're worried about job security or you're saving for a wedding or a holiday.

We've set out three simple ways to help you keep instant access to your savings and get them working for you.

First, benefit from tax-free savings

Whatever you do, it's worth taking advantage of your tax-free 1 savings allowance with an ISA. In the 2012/13 tax year, you can put from as little as £1 to as much as £5,640 in a cash ISA and earn interest, free of tax.

If you're interested, take a look at our instant access Loyalty Reward ISA. It's easy to apply and you can start saving straightaway.

Next, save a little every month

If you find you have a bit of money left at the end of the month or want to build up a lump sum, why not set up a regular savings account. Because you choose the day the money leaves your current account, you can make sure the timing suits you and your outgoings. After a while you'll find you've put a solid amount of money together.

With our Monthly Savings account, you can save from £20 to £250 a month for a year and earn a fixed rate of interest which is higher for the months when you make no withdrawals.

Putting a lump sum away

Maybe you're looking for an account that rewards you for savings more, but doesn't penalise you if you need to make a withdrawal.

With our Everyday Saver account interest rates are tiered, so the more you save the more you earn.

To speak to one of our savings specialists call 0845 300 4407 2.

Invest online

Putting a lump sum away

If you're after a better return on your savings a longer term investment could be the answer.

 Important information
1. Tax-free indicates that interest is exempt from UK income tax provided all ISA conditions are met. The level and basis of tax can change and the value of tax relief depends on the individual taxpayer.  
 
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