Earn interest on your savings while still having the flexibility of instant access. You can make as many deposits or withdrawals as you like.

Suitable for savers who:
• Want instant access to their savings
• Want to save as little or as much as they can each month

Not ideal for savers who:
• Want a fixed rate of interest

Cash ISA/Tax Free Accounts

When you open an ISA (Individual Savings Account) you can earn tax-free interest on your savings.

Suitable for savers who:
• Want to earn tax free interest
• Have not invested in a cash ISA in the current tax year

Not ideal for savers who:
• Want a flexible, stocks and shares, innovative finance or Lifetime ISA
• Have invested or plan to invest in a cash ISA from another provider this year
• Are looking for a fixed interest rate

Notice Accounts/Limited Access Accounts

Limited access accounts are ideal for savers who want to lock their money away for a longer period and earn more interest.

Suitable for savers who:
• Want a higher interest rate and are prepared to put money away for a longer period
• Want to manage the account online, by phone or in our branches (online accounts can be subject to availability)

Not ideal for savers who:
• Want instant access to their savings
• Want a fixed rate of interest

Fixed Rate Bonds

Put your money away for a fixed term and watch your savings grow.

Suitable for savers who:
• Can put money away for a longer period
• Want a fixed rate of interest
• Can often earn a higher rate of interest

Not ideal for savers who:
• Want instant access to their savings
• Want a variable interest rate

Children’s Accounts

It’s never too early to start a savings habit. Help them learn the value of saving their money and watching it grow.

Suitable for savers who:
• Want to start saving for a child’s future

Not ideal for savers who:
• Are 18 years or older

Please note we regularly review our savings accounts and their rates. Our savings accounts are subject to availability and may not currently include all accounts mentioned within this guide