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Base Rate Tracker
Lifetime Guarantee account

Lifetime Guarantee account
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Sterling accounts - Current Rates

 Previous ratesPrevious rates

Base Rate Tracker Premium account - with effect from 7 December 2009
 
Annual/Interest on closure
Monthly Interest
Gross* p.a.%
A.E.R. %
Gross* p.a.%
A.E.R. %
£5,000 - £24,999 Year 1
2.05 †
2.05
1.85 †
1.87
Thereafter
0.25
0.25
0.10**
0.10**
£25,000+ Year 1
2.60 ‡
2.60
2.40 ‡
2.43
Thereafter
0.25
0.25
0.10**
0.10**
† Includes a variable premium of 1.55% above Bank of England base rate
‡ Includes a variable premium of 2.10% above Bank of England base rate
 
Instant Access account - with effect from 4 April 2009
 
Annual/Interest on closure
Monthly Interest
Gross* p.a.%
A.E.R. %
Gross* p.a.%
A.E.R. %
£1 to £999
0.10
0.10
n/a
n/a
£1,000 to £24,999
0.15
0.15
0.15
0.15
£25,000 to £49,999
0.15
0.15
0.15
0.15
£50,000+spacer
0.20
0.20
0.20
0.20
 
 
60 Day Notice account - with effect from 4 April 2009
 
Annual/Interest on closure
Monthly Interest
Gross* p.a.%
A.E.R. %
Gross* p.a.%
A.E.R. %
£1 to £999
0.10
0.10
n/a
n/a
£1,000 to £24,999
0.25
0.25
0.25
0.25
£25,000 to £49,999
0.25
0.25
0.25
0.25
£50,000+
0.30
0.30
0.30
0.30

All rates quoted above are variable.

 
Lifetime Guarantee 1 account – Year 1 with effect from 17 May 2010
Issue 16
Annual/Interest on closure
Monthly Interest
Gross* p.a.%
A.E.R. %
Gross* p.a.%
A.E.R. %
£5,000 - £49,999 Year 1
2.40
2.40
2.35
2.38
Thereafter
0.20
0.20
0.10**
0.10**
£50,000+ Year 1
2.80
2.80
2.75
2.78
Thereafter
0.20
0.20
0.10**
0.10**
Lifetime Guarantee 3 account – Year 1 with effect from 1 June 2010
Issue 3
Annual/Interest on closure
Monthly Interest
Gross* p.a.%
A.E.R. %
Gross* p.a.%
A.E.R. %
£5,000 - £49,999 Year 1, 2, 3
3.00
3.00
2.90
2.94
Thereafter
0.20
0.20
0.10**
0.10**
£50,000+ Year 1, 2, 3
3.40
3.40
3.30
3.35
Thereafter
0.20
0.20
0.10**
0.10**
 
 

Accounts no longer open to new customers

Base Rate Tracker account - with effect from 23 September 2009
£5,000+
Annual/Interest on closure
Monthly Interest
Gross* p.a.%
A.E.R. %
Gross* p.a.%
A.E.R. %
After Year 1 0.25 0.25 0.10** 0.10**

*All interest rates are quoted gross. Interest paid or credited in respect of accounts held by certain individuals may be subject to a retention tax in accordance with the arrangements under Isle of Man law for the implementation of equivalent measures to the EU Savings Tax Directive.

** Whilst it is a condition of the account to pay 0.60% gross p.a. (Base Rate Tracker Premium), 0.65% gross p.a. (Lifetime Guarantee) and 0.50% gross p.a. (Base Rate Tracker) below the Bank of England base rate, for the time being we will pay a flat rate of 0.10% on the account however we reserve the right to stop paying this flat rate without notice.

The Annual Equivalent Rate (A.E.R.) is a notional rate which illustrates the contractual rate as if paid and compounded on an annual basis.