Loyalty Cash ISA

Flexible tax-free savings.
  • Receive a Loyalty rate for 12 months from the date of each payment into your ISA
  • $1 deposit to open
  • Instant access
  • Available to Checking Account customers only
  • Open the account online, in branch, by post or on the phone

Loyalty Rates:

 

0.65% AER (tax free)

for Checking Account customers

0.75% AER (tax free)

for Advance Account customers

0.85% AER (tax free)

for Premier Account holders

Upon the expiry of your Loyalty rate period, you will earn a standard rate of 0.55% AER/tax free until you make a further payment.

Interest rates variable and paid monthly.

Help to Buy: ISA

Save to buy your first home.
  • Save up to $200 per calendar month and receive a UK Government bonus of 25% of your saved balance, up to a maximum bonus of $3,000
  • Interest is tax-free
  • Save an additional $1,000 in the first month to help kick start your savings
  • No minimum balance to open
  • Instant access
  • Open the account online, in branch, by post or on the phone

2.25% AER (2.23% tax free)

on balances up to $12,000

0.15% AER/tax free

on balances over $12,000

Interest rates variable and paid monthly.

Help to Buy

Regular Saver

Save up to $3,000 at a fixed rate of interest for 12 months.
  • $25 deposit to open
  • Deposit at least $25 a month. The monthly subscription limit is $250. However if you do not save $250 in any given month you can carry over any unused subscription to following months.
  • No partial withdrawals allowed during the 12 month period
  • Available to Checking Account customers only

5% AER / gross

for Premier or Advance customers

3% AER / gross

For Bank Account, Bank Account Pay Monthly, Student Bank Account or Graduate Bank Account customer

Interest rates fixed and paid after 12 months.

 

 

Online Bonus Saver

Bonus interest in any month you don't make a withdrawal.
  • $1 deposit to open
  • This account can only be managed online
  • Instant access with no charge
  • Open the account online
  • Must be an existing customer

0.55% AER / gross

interest for the months you don't make a withdrawal (0.35% AER/gross on balances over $10,000)

 

0.10% AER / gross

for any calendar month during which you make a withdrawal

 

Interest rates variable and paid monthly.

Flexible Saver

Save for a wedding, holiday or a rainy day.
  • $1 deposit to open
  • Open as many Flexible Saver accounts as you want
  • Instant access with no charge
  • Open the account online, in branch or on the phone

0.15% AER / gross

for Bank Account, Bank Account Pay Monthly or Graduate Bank Account customers

0.20% AER / gross

for Advance, Advance (Graduate)

Interest rates variable and paid monthly.

Premier Savings

Available to Premier customers only.
  • $1 deposit to open
  • Transfer funds in real time to or from your Premier Checking Account
  • Instant access with no charge
  • Open the account online, in branch or on the phone

0.20% AER / gross

Interest rates variable and paid monthly.

Future Saver for Children

Start saving for your child's future.
  • $1 deposit to open
  • Instant access with no charge
  • Open the account in branch or on the phone

0.75% AER / gross

Interest rates variable and paid monthly.

MySavings / Premier MySavings

An easy way to save for 7-17 year olds.
  • $10 deposit to open
  • Take out money at a branch using your Cash Book
  • Instant access with no charge
  • On your 11th birthday you'll get a specially designed Checking Account which comes with an Visa debit card
  • Open the account in branch or on the phone

3.00% AER / 2.96% gross

on balances up to $3,000

0.75% AER / gross

on balances over $3,000

Interest rates variable and paid monthly.

Fixed Rate Saver

Choose to save for a fixed term of 3 months to 3 years.
  • Deposit between $2,000 and $1,000,000
  • For deposits of $50,000 or more, early withdrawals in full or in part are not permitted. For balances below $50,000 early withdrawal in full is possible subject to a fee of 90 days' gross interest
  • Open the account online, in branch or on the phone
  • Available to checking account or savings account customers (excluding Loyalty Cash ISA, Regular Saver or Basic Bank Account).

0.45% - 0.85% AER / gross

depending on amount invested and term chosen.

 

Interest rates fixed and paid monthly, annually or on maturity depending upon the term.