Savings accounts

Save for the future

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From new shoes to new arrivals, there’s always something to save for – and we have a range of savings and investment options for you to choose from.

  • Track and manage your savings online – so you’re always in control
  • Explore our best savings accounts

How do you want to save?

Whether you're saving for something big or small, or just a rainy day, we have a range of savings and investment options that could be right for you.

Select
  • Instant access

    Instant-access savings are ideal if you want to get at your money quickly online, on your mobile, in person or over the phone.

    Instant-access savings

    Rate % AER/gross per year1

    £ minimum opening

    Accessing your money

    Everyday Saver

    0.20% (£1 to £49,999)

    0.25% (£50,000 to £10 million)

    £1

    Instant access to your money2

    Instant Cash ISA

    0.55%

    (£1 to £29,999)3

     

     

    0.65%

    (£30,000 to £99,000)3

     

    0.75%

    (£100,000+)3

    £13

    (£0 for transfers-in)

     

     

    Instant access to your money2

    Children’s Instant Saver

     

    Save for a child under 18

    1.76% AER/1.75%

    £1

    Instant access to your money2

    Children’s Regular Saver

     

    Save for a child under 16

    1.51% AER /1.50%

    For months with 1 or more withdrawals

     

    3.50% AER /3.45%

    For months with no withdrawals

    Save between £5-£100 per month by standing order over a 12 month term

    Instant access to your money2

  • Tax free ISAs

    An ISA (Individual Savings Account) lets you save money in a tax-efficient way4.

    Our Cash ISAs

    Rate %  AER/tax-free per year5

    £ minimum opening

    Accessing your money

    Transferring an existing ISA to us

    Instant Cash ISA

    0.55%

    (£1 to £29,999)3

     

     

    0.65%

    (£30,000 to £99,000)3

     

    0.75%

    (£100,000+)3

    £13

    (£0 for transfers-in)

     

     

    Instant access to your money2

    Transfer-in an existing ISA in 3 easy steps

    2-Year Flexible Cash ISA

    0.90% 2-year fixed-rate term

    (£1 to £1 million)3

    £13

    (£0 for transfers-in)

    Up to 3 withdrawals free of charge, each one up to 10% of the balance

    Limited period for transferring-in an existing ISA

    2-Year Premier Flexible Cash ISA

     

    Exclusively for Premier customers 

    1.05% 2-year fixed-rate term

    (£1 to £1 million)3

    £13

    (£0 for transfers-in)

    Up to 3 withdrawals free of charge, each one up to 10% of the balance

    Limited period for transferring-in an existing ISA

    Help to Buy: ISA

     

    For first-time buyers only 

    2.53% AER/ 2.50% variable 

    Save up to £1,2003 in the first calendar month, and up to £200 each calendar month afterwards

    Instant access to your money2

    Receive a 25% government bonus on your savings

  • Fixed-term bonds

    Put your money away for a fixed rate of return – you’ll know exactly how much interest you’ll earn.

    Our current bonds

    Rate %  AER/gross per year6

    £ minimum opening

    Accessing your money

    2-Year Flexible Bond

    0.80%

    (£1 to £1 million)

    £1

    2-year fixed term

     

    Up to 3 withdrawals, each one up to 10% of your initial deposit7

    1-Year Fixed-rate Bond

    0.70%

    (£500 to £1 million)

    £500

    1-year fixed term

     

    No withdrawals

    2-Year Premier Flexible Bond

     

    Exclusively for Premier customers 

    0.95%

    (£1 to £1 million)

    £1

    2-year fixed term

     

    Up to 3 withdrawals, each one up to 10% of your initial deposit7

  • Children's savings

    Start saving for their future, from just £1.

    Instant-access savings

    Rate % AER/gross per year1

    £ minimum opening

    Accessing your money

    Children’s Instant Saver

     

    Save for a child under 18

    1.76% AER/1.75%

    £1

    Instant access to your money2

    Children’s Regular Saver

     

    Save for a child under 16

    1.51% AER /1.50%

    For months with 1 or more withdrawals

     

    3.50% AER /3.45%

    For months with no withdrawals

    Save between £5-£100 per month by standing order over a 12 month term

    Instant access to your money2

  • Investments

    Want to invest but not sure where to begin? Smart Investor can help you start your portfolio with our ready-made investments.

    Investment ISA

    Be a smart investor and take advantage of tax-efficient investing.

    The value of investments can fall as well as rise and you may get back less than you invest. Tax rules may change and their effects depend on your circumstances.