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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 05 February 2010
Issue 15
Annual/Interest on closure
Monthly Interest
Gross* p.a.%
A.E.R. %
Gross* p.a.%
A.E.R. %
£5,000 - £49,999 Year 1
2.70
2.70
2.65
2.68
Thereafter
0.20
0.20
0.10**
0.10**
£50,000+ Year 1
3.10
3.10
3.05
3.09
Thereafter
0.20
0.20
0.10**
0.10**
Lifetime Guarantee 3 account – Year 1 with effect from 10 March 2010
Issue 1
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
3.70
3.70
3.60
3.66
Thereafter
0.20
0.20
0.10**
0.10**
£50,000+ Year 1, 2, 3
4.10
4.10
4.00
4.07
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. The A.E.R. on an account which pays monthly interest assumes interest is added to the account at the end of each month during the year. In practice, the option to have interest added in this way is not available on our monthly interest accounts.