Account opening
In Branch
By Post
Deposit Calculator
What could you get?
The estimated interest is for illustrative purposes only and assumes your savings are paid in on the 1st January and no further deposits or withdrawals are made. It doesn’t consider any individual circumstances. All interest rate information should be read in conjunction with the full product information and general terms and conditions for savings accounts. For products with a tiered interest rate – the calculation displayed is based solely on the highest interest rate available shown within the product. Please refer to the individual product terms and conditions for full details regarding tiered interest rates and withdrawals.
This account is for you if:
You want to be able to take your money out straight away or on the same day, with no charges
Building an emergency fund: You need a “rainy day” account to cover unexpected bills or expenses
You are planning to start saving with a small amount or prefer to make regular or ad-hoc deposits
You’re happy with low‑risk growth with security and peace of mind
Summary Box
This account is only available to open in branch or by post and to those living at a residential address with an AL, HP, LU or WD postcode. The account can be viewed and managed but not opened through Harpenden Online.
Here’s some more information about the product
Hart Saver (Issue 1)
3.81% Gross PA/AER* (Variable).
Interest is calculated on a daily basis and added to your account annually on 31st December.
Yes, we have the right to vary the rate of interest. If we decrease the interest rate, we will notify you 14 days in advance of the change.
Please refer to Condition 7 of our General Terms and Conditions for Retail Savings Accounts (available in our branches and our website) which sets out the reasons for which we may change the rate and the procedure for doing so.
The estimated balance after 12 months based on an initial deposit of £1,000 would be £1,038.10
This projection is provided as an example only and doesn’t take into account your individual circumstances. We have worked this out assuming a £1,000 deposit is made on account opening and no further deposits or withdrawals are made throughout the year.
This account is available to new and existing customers. You must be at least 18 years old, a UK resident, living at a residential address with an AL, HP, LU or WD postcode upon application. You may only hold one account of this type.
This account is available as a sole or joint account.
This account can only be opened in branch or by post. The account can be viewed but not opened through Harpenden Online.
Minimum balance: £100
Maximum balance: £100,000
Please note that you must fund the account with the minimum balance of £100 within 30 days of account opening, otherwise your application may be cancelled.
You can manage this account in our branches, by post or online (subject to the terms and conditions of Harpenden Online).
Deposits can be made in branch in cash (up to £3,000 per day) and cheque or by bank transfer at any time.
If you currently have an existing Harpenden Building Society account it may be possible to transfer your funds, subject to your existing product terms and conditions and the product terms and conditions of this account. Please check with us to see whether this is possible.
Yes, you do not have to give notice to make a withdrawal or close your account. Withdrawals can be made without loss of interest.
You will not be permitted to reduce the balance in your account to less than the minimum balance, unless you are closing the account.
Withdrawals can be made in our branches and by post, by cash (up to £500 per day), by cheque, or via faster payment into a nominated bank account (up to £50,000, or above that amount via CHAPS – which will incur a fee).
Withdrawals can also be requested using Harpenden Online which allows a maximum £50,000 via faster payment into a nominated bank account per day and must be submitted by 3.00pm. Payment requests received after this time will be processed the following working day.
Interest is paid gross without tax deducted. Some savers may be required to pay tax on their savings interest – this should be arranged directly with HMRC through your tax return.
Your tax treatment will depend on your individual circumstances and may be subject to change in the future. The Society reserves the right to withdraw this product without notice at any time.
* The gross rate (PA) is the rate before deducting tax at the rate applicable to savings income. The annual equivalent rate (AER) is a notional rate which illustrates what the gross interest rate would be if the interest was paid and added to the account annually.
The information contained in this table forms part of the terms and conditions of the account and should be read in conjunction with our General Savings Account Terms and Conditions for Retail Savings Accounts.
Frequently Asked Questions
Here’s some helpful advice and guidance
Please check with your local branch or call our Member Services Team on 01582 765411 to confirm product availability.
It is important that you read the FSCS information sheet. It provides you with information about the protection of your savings deposits. Eligible deposits with the Society are protected by the Financial Services Compensation Scheme (FSCS).
These savings products are covered by the FSCS.
You can open an account for yourself within one of our branches or by post: Please complete the application form, making sure you indicate which savings account you wish to open.
Sign and return the completed form, along with the required identification (as detailed in our Identification Requirements document), to one of our branches or directly to our Member Services Team at Harpenden Building Society, FREEPOST, SB165, Harpenden, AL5 4BR
Should you wish to open or operate an account on behalf of another person due to holding a Power of Attorney or Court of Protection Order you will need to obtain a copy of our form ‘Operating an Account for Someone Else’. This is available in branch or can be downloaded from our ‘useful forms and documents’ page.
This document should be returned with your completed application form by post to any of our branches or Head Office.
If you have reason to complain about the service that you receive you should contact the Branch Manager at your local branch or our Savings Operations Manager at Head Office either by telephone or in writing.
You can email us via: memberservices@harpendenbs.co.uk
Full details of the complaints procedure can be found in the General Terms and Conditions for Retail Savings Accounts.
If you open a new account and then change your mind, then as long as you tell us at any of our branches or our Head Office within 14 days after the contract is entered into (or, if later, 14 days from the day you first receive, on paper or electronically, the terms and conditions and other information relating to it) you can
• have your money back; or
• switch to another available account
In this case, you will not have to
• give any period of notice;
• lose any interest on the account you are closing; or
• pay any other charges
Once your account is open you can keep up to date with your savings balances and manage your savings accounts securely online by registering for ‘Harpenden Online’.
• Manage your accounts 24 hours a day 7 days a week
• Check the balance of your account(s) and view your transaction history
• Talk with us over the internet through our secure message system
• Request to transfer money directly by electronic payment to a nominated bank account (Maximum £50,000 per day)
• Request to transfer money between your Harpenden Building Society accounts
- Data Protection regulations require Harpenden Building Society (the Society) to inform customers about how their personal data will be processed
- Personal data includes customer’s name, addresses, financial information and other personal information needed for opening an account
- The Society will restrict its processing of your personal data to the minimum required to open and manage your account, update you on your account status and inform you of any new savings products
- Your personal information will be processed to comply with the Society’s legal and regulatory obligations, to ensure that we continue to operate in a way to safeguard your investment
- The Society will not send you marketing material on any other services and will not share your personal details with any other organisation for marketing purposes, without your consent
- Your personal details will be stored securely by the Society and its specialist suppliers, in countries that have equivalent data protection rules, and will only be used to communicate with you whilst you have an account with the Society
- Further information on how the Society handles your personal data is available under the ‘Privacy’ menu option on the website
- You are entitled to request the Society to restrict its use of your personal data. If you have any questions about how we manage your personal data, or wish to complain about this, please contact the Data Protection Officer in the first instance at: privacy@harpendenbs.co.uk
- If you are not satisfied with the handling of your complaint by the Society, you can also make a complaint to the Information Commissioner’s Office on: ico.org.uk
You can view our Privacy Policy in full here: Privacy Policy – Harpenden Building Society
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