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21 Club

HBS-21 Club A52PP
  • Adult Savers Application Form

    45 KB

  • 21 Club Summary Box

    183 KB

  • Identification Requirements


  • FSCS Information Sheet


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Best Junior Children's Savings Provider

21 Club

Anyone between the ages of 18 and 21 can open a 21 Club savings account.

It will be of particular interest to our savers with maturing 18 Club accounts as you can continue to be a Society member and receive a competitive rate of interest.

With three withdrawals permitted each year, this savings account suits college students down to the ground as the 21 Club fits in nicely with term-time funding needs.

Summary Box

Account name 21 Club (18-21 year olds)
What is the interest rate? The interest rate paid on the account will be paid as below:
Balance Interest Gross p.a./AER*
£1+ Annual 0.75%
Interest is calculated on a daily basis and added to your account annually on 31st December.
Can Harpenden Building Society change the interest rate? We have the right to vary the rate of interest. When the interest rates reduce, and the change is material, we will personally tell you about it before we make the change. Please refer to Condition 7 of our General Terms and Conditions for Retail Savings Accounts, which sets out the reasons for which we may change the rate and the procedure for doing so.

You will find copies of these terms and conditions in all of our branches or you can download them from our website:
What would the estimated balance be after 12 months based on a £1,000 deposit? The following 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.
Deposit Gross p.a./AER* Balance after 12 months
£1,000 0.75% £1,007.50
How do I open and manage my account? Available to those aged between 18 and 21 years old.

This account can be opened in branch or by post. Complete the Adult Savers accounts application form and drop it in to one of our branches or use our freepost address: Harpenden Building Society, FREEPOST SB165, Harpenden, AL5 4BR.

Minimum balance: £1+ / Maximum balance: No limit

You may only hold one account of this type.

If you are a new customer then we will need proof of your identity (ID). If you are transferring your balance from a maturing 18 Club or Young Savers account and your original identification is more than 3 years old then we will require up to date identification. Please follow the guidance in our ‘Identification Requirements’ document available in branch and online. Visit:

When making cheques payable to Harpenden Building Society you should also include the name of the person into whose account the money is being paid (e.g. Harpenden Building Society – Account Holder’s name).

The following will apply to this account:
  • Cash (up to £3,000 per day) or cheques can be paid in over the counter. Cheques can also be paid in by post.
  • You can ask your bank to arrange a direct transfer once the account is open.
  • To operate this account you can communicate with us in branch, by post or online (subject to the terms and conditions of our Online Services).
Can I withdraw money? A maximum of three withdrawals are permitted each year without notice or loss of interest, including closure. No further withdrawals are permitted.

Funds can be withdrawn in the following ways:
  • Up to £500 cash per day over the counter.
  • By cheque over the counter or by post.
  • Faster Payment in branch to one nominated UK Bank/Building Society account in your name, up to £100,000 or CHAPS above that amount.
  • Faster Payment using Online Services up to £10,000 per day (see Online Services Terms and Conditions).
If we do not receive your instructions when the account matures, the balance will be transferred into a holding account where the interest rate of that account may be lower.

You will not be permitted to reduce the balance in your account to less than the minimum balance unless you are closing your account.
Additional information 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. Please ask for further information.

Your tax treatment will depend on your individual circumstances and may be subject to change in the future.

* The gross rate 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.

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