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Interest Rates Changes

Non Payment Accounts

Name

Balance

Until 18 January 2026

AER / Tax-free p.a. (variable)

From 19 January 2026

AER / Tax-free p.a. (variable)

Cash ISA

£1 - £24,999

 £25,000+

1.15%

2.45%

1.15%

2.45%

Help to Buy: ISA

£1+

1.85% / 1.83%

1.60% / 1.59%

Payment Accounts

Name

Balance

Until 5 March 2026

AER / Gross p.a. (variable) 

From 6 March 2026

AER / Gross p.a. (variable)

Loyalty Saver

£1- £4,999

£5,000+

1.06%

3.75%

1.00%

3.50%

Private Reserve

£1 - £9,999

£10,000+

1.06%  / 1.05%

3.75%  / 3.69%

1.00%  / 1.00%

3.51%  / 3.45%

urfirst

£1+

1.85%

1.60%

Easy Access Savings Acccount

£1+

1.06%

1.00%

Special Interest Deposit

£1 - £15,000

Over £15,000

1.50%

1.06%

1.25%

1.00%

Adapt Account

£1+

1.85% / 1.83%

1.60% / 1.59%

Limited Edition Saver Issue 1

£1 - £4,999

£5,000 - £3,000,000

1.06%  / 1.05%

4.50%  / 4.41%

1.00%  / 1.00%

4.25%  / 4.17%

Limited Edition Saver Issue 2

£1 - £4,999

£5,000 - £3,000,000

1.06%  / 1.05%

4.50%  / 4.41%

1.00%  / 1.00%

4.25%  / 4.17%

Definitions

Annual Equivalent Rate (AER) shows the interest rate if interest is paid and compounded once each year. AER helps you to compare the rates of interest on different accounts.

Compound interest is interest that is earned on interest that’s already been paid.

Gross means the interest rate you are paid on your savings with no compounding.

p.a. per annum (per year).

Tax-free.  We pay all savings interest without the deduction of tax.  You do not pay any UK tax on interest earned in ISAs. You may have to pay tax on interest earned in non-ISA accounts depending on your Personal Savings Allowance. The tax treatment may be subject to change in the future.

Want to open another savings account?

If you're thinking about opening another savings account, take a look at all the options we've got to see which one might be right for you.