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Personal deposits & savings in United Kingdom
As per main high street banking groups (MBBG) data, total personal deposits in 2009 is amounted to €31,184 millions,
a significant increase of 37.93% or €8,575 millions compares to €22,609 millions in 2009.
The €31,184 millions total personal deposits in 2009 is the highest amount recorded in 4 years(€28,613 millions in 2007 and €25,094 in 2008).
Note : MBBG includes the six largest UK retail lending groups:
Santander UK (including Alliance & Leicester and Bradford & Bingley deposits), Barclays, HSBC Bank, Lloyds Banking Group, Northern Rock and Royal Bank of Scotland Group.
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For detailed information or to apply, click on the link next to the bank account of your choice and a new window will be opened for you.
Savings Account
Withdraw funds when you need them. Looking to save but want flexible access to your money? Here is a range of instant access accounts to choose from:-
A single account for savings and cash ISAs from a range of providers
Alerts when your savings mature
Competitive rates and exclusive products at the click of a button
Never drop to a low rate again
We’ve created a new type of savings account: one that takes the pain away from switching when your savings mature – and allows you to save with multiple providers from one place.
It's one account, with choices
The Governor account is totally unique. It enables you to choose from a competitive range of savings and Cash ISA products, but manage them all from one account.
Savings without the admin
With just one account, you'll only have one user name, one password, and one annual tax statement.
You'll be able to see everything in one place, both your total balances and individual holdings, with all the rate information at your fingertips.
You'll also get automatic charts to show you different views of your money, projections of your interest income for the next 12 months, and a consolidated view of your Financial Services Compensation Scheme limits within your Governor account.
Refreshingly simple Cash ISAs
With traditional Cash ISAs, it takes weeks to move your money between providers. Once your Cash ISA is with Governor, you can reinvest at the click of a button with any of our providers.
For new Cash ISA subscriptions, we’ll keep track of your allowance throughout the year. You’ll be able to deposit additional money whenever you like across a choice of products.
All with UK FSCS protection
To ensure you can save with all of our providers with confidence, we only accept providers who are UK authorised and regulated.
This means they are covered by the Financial Services Compensation Scheme (FSCS), so your savings are protected up to £85,000 per individual per deposit taker.
Putting savers first
UK savers get a raw deal. According to research conducted by Which? UK savers lose £12bn per year by allowing their money to remain in accounts with low interest rates – that is an average of £322 of lost interest every year per saver!
Even if you actively manage your savings, there’s a lot of work to be done – researching the market, instigating transfers, managing multiple accounts and log-ins, collating information (rates, maturities, tax returns etc.).
Governor was set-up to offer savers a simple way to manage their cash and get a better return from a single, secure account.
Who is behind Governor?
Governor is brought to you by Family Investments, a trading name of Family Assurance Friendly Society Limited. Family Investments manage £3.2 billion of money for 1.75m people in the UK.
Family Investments has over 35 years’ experience providing investments for families. As a mutual institution, they are owned by their customers which means they are directly answerable to them.
With Tesco Internet saver you will have instant access to your funds and there are no restrictions on the number of withdrawals you can make. Minimum opening balance is just £1 and online servicing means you can access your account 24 hours a day 7 days a week - anywhere you have access to the internet. You can check your balance, set up payments and transfer money.
Manage your account online and benefit from our highest saving rate
Competitive rate of interest - Up to 2.80% Gross / AER (variable)
Includes fixed 1.55% bonus interest on balances up to £1 million for a year
Balances above £1 million earn our standard rate of 1.25% Gross/AER (variable)
Rate reverts to the standard one at the end of the bonus period (currently 1.25% Gross / AER (variable))
Instant access to your funds (Please note there are daily limits on withdrawals).
Online Banking - Manage your account online (once you've registered for Online Banking).
Regular savings - Set up a Direct Debit to make regular (and one off) payments into your account when it suits you.
An online savings account that gives you easy access to your money, and the flexibility of unlimited withdrawals and deposits.
Minimum deposit £1
Open an Online Saver with as little as £1, and start saving for the things important to you.
Unlimited deposits
Add to your Online Saver as many times as you like.
Unlimited withdrawals
With no loss of interest for withdrawals, enjoy the peace of mind of easy access to your money.
Halifax Savers Prize Draw
Online Saver is a qualifying savings account for the Halifax Savers Prize Draw, where every month we're giving 3 savers £100,000.
Head Start
If you are saving for your first home, you might be eligible for a reward with Head Start Home Saver
Variable interest rate
The interest rate varies from time to time and may go up or down.
Current rates:
Interest rate currently payable is 2.80% gross/AER which includes a fixed introductory bonus of 2.70% for 12 months from the date of account opening. At the end of the bonus period, variable rates without bonus will apply, currently this is 0.10% gross/AER.
Can’t get a bank account? – We can help!
Introducing eccount banking from Tuxedo
£10 per month
No hidden fees
No credit checks
No bank account needed
No hidden fees
Have your wages and any benefits paid in
Pay in cash at PayPoint or Post Office
Set up Standing Orders
Spend with an eccount banking prepaid MasterCard®
What is eccount banking?
eccount banking is a great alternative to a basic bank account. With eccount banking you are able to manage your day-to-day finances easily by phone, text or online. You can have your wages and any benefits paid directly to your eccount by simply giving your employer or benefits agency your eccount banking details such as your sort code, account number and payment reference (your 9 digit eccount number).
Is eccount banking the same as a bank account?
eccount banking allows you to pay in cash, cheques, wages and benefits whilst also allowing you to make payments out of your account by standing order, bank transfer and also card payments in shops and online anywhere you see the MasterCard Acceptance Mark. You can also withdraw cash for FREE* at many cash machines in the UK meaning you can use your eccount banking facility just like a bank account.
Banking without the hidden charges
eccount banking costs £10 per month with no extra or hidden fees, unlike a basic bank account, you cannot go overdrawn with the account and there is no risk of getting into debt.
Apply for eccount banking now. Open to everyone* – No Bank Account Needed!
Open your new eccount banking account instantly.
The eccount is ideal if you:
Are an undischarged bankrupt
Have a debt management plan or IVA
Need help managing your money
Struggle to keep on top of your finances
Have a bad credit history
Have been turned away from the high street banks
Use your card at any ATM – for FREE*
Unlike some basic bank accounts, we don’t restrict you to use only one bank’s cash machines
Use anywhere you see the MasterCard® Acceptance Mark
FREE cash withdrawals at any cash machine*
Use at over 1.2 million cash machines worldwide
*Conditions apply. Acceptable proof of ID may be required. UK Residents, 18+. Some 3rd party ATM operators may charge for cash withdrawals.
If you can leave your savings alone for a while, our internet-only Fixed Online Saver could really help your money grow faster. With a choice of terms, and a choice of when your interest is paid, you'll get a fixed return, at a fixed time.
Fixed terms from 3 months to 5 years
You can choose a length of term that best suits you, from 3, 6 or 9 months or 1, 2, 3, 4 or 5 years.
Choose when your interest is paid to you
You can select how to receive the interest on your savings to best meet your needs, either to supplement your income or boost your savings.
You have the choice between receiving interest payments when your account matures or monthly for 3 & 6 month terms, monthly or quarterly on the 9 month term, and monthly or annually on 1-5 year terms.
No additional deposits or withdrawals allowed
The Fixed Online Saver doesn't allow any additional deposits or withdrawals. You can access your money by closing the account early, but this will result in loss of interest and you may get back less than the original amount you deposited.
Halifax Savers Prize Draw
Fixed Online Saver is a qualifying savings account for the Halifax Savers Prize Draw, where every month we're giving 3 savers £100,000.
Our internet-only ISA Saver Online helps you make the most of your tax free allowance, whilst giving you the flexibility and peace of mind of easy access to your savings.
Unlimited deposits
Make as many deposits as you want until your total reaches the annual cash ISA allowance limit, currently £5,340.
So you can save as and when you have the spare cash, in lump sums or even get into a regular savings habit with a standing order. Whatever suits you.
Unlimited withdrawals and easy access
Locking your money away can be a scary thought, as we never know what might be around the corner.
With the ISA Saver Online you get easy access to your savings and no restrictions on the number of withdrawals. So you can get to your money whenever you need it.
Remember, you can still only deposit a total of £5,340 over the year.
Transfer an existing ISA
Existing ISA balances can be transferred into an ISA Saver Online, and this doesn’t affect this year’s ISA allowance. And don’t forget, you’ll get our ISA Promise
Variable interest rate
The interest rate varies from time to time and may go up or down. Check in branch, online or by telephone for the latest rates. The interest is paid annually on 5th April or on the previous working day.
Access your account online
View your latest balance, interest rate, and statement using our Online Banking service, 24/7.
Halifax Savers Prize Draw
ISA Saver Online is a qualifying savings account for the Halifax Savers Prize Draw, where every month we're giving 3 savers £100,000.
Head Start
If you are saving for your first home, you might be eligible for a reward with Head Start Home Saver
Current rates:
Interest rate currently payable is 2.60% tax free/AER which includes a fixed introductory bonus of 2.35% for 12 months from the date of account opening. At the end of the bonus period, variable rates without bonus will apply, currently this is 0.25% tax free/AER.
If you can put away your money for a while and not touch it, our ISA Saver Fixed gives a fixed rate - so you’ll know exactly how much interest you’ll get back. And, best of all, it’s tax free.
Fixed terms from 1-5 years
This account allows savers to choose the term that best suits their needs.
Interest rates from 2.25% tax free/AER to 4.20% tax free/AER
Rates are fixed but vary according to the length of term the funds are committed for
Transfer an existing ISA
Existing ISA balances can be transferred into an ISA Saver Fixed, and this doesn’t affect this year’s ISA allowance. And don’t forget, you’ll get our ISA Promise.
Halifax Savers Prize Draw
ISA Saver Fixed is a qualifying savings account for the Halifax Savers Prize Draw, where every month we're giving 3 savers £100,000.
Scottish Widows Bank and Fair Investment Limited have teamed up to offer you a range of exciting savings accounts including the Charity Deposit Account.
By choosing to open an account through the Fair Investment Limited website, Scottish Widows Bank will consider Fair Investment Limited your introducer.
Fair Investment Limited will receive 0.2% commission annually based on the average balance of your account. This will be paid quarterly in January, April, July and October. This is paid automatically by Scottish Widows Bank and does not affect your account in any way.
AER — Stands for the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. (As every advertisement for a savings product which quotes an interest rate will contain an AER, you will be able to compare more easily what return you can expect from your savings over time).
Gross — This is the contractual rate of interest payable before the deduction of income tax at the rate specified by law (currently 20%).
The AER advertised is based on interest paid gross and capitalised to the account once a year - please note that other interest payment periods are available and the actual interest rate on your account will be lower if you have interest applied more frequently, but when compounded will equal the AER.
Apply from 1st February - 29th February 2012 - first come first served basis
Save between £1,000 - £5,340 in your Fixed Rate ISA this tax year
Transfers in allowed - bring all your cash ISAs together in one place
What you need to know
Pre start rate - you will earn interest equivalent to our variable cash ISA rate up until the start date of your Fixed rate ISA - 4 April 2012.
Annual interest is calculated daily and paid into your Fixed rate ISA on the last business day in March.
Tax year subscriptions - you cannot subscribe to another cash ISA in the same tax year in which you opened the Fixed rate ISA. A Fixed Rate ISA is a cash ISA.
Top-ups - are allowed up until 28th March 2012 to ensure you maximise your current tax year’s allowance before the start date. No additional deposits are allowed after this date.
Withdrawals are not allowed - however if you need access to your savings you can close your Fixed Rate ISA, incurring an interest charge equivalent to: 90 days gross interest
If the amount of interest charged is more than the interest accrued on the Fixed Rate ISA at the date of closure, this will be deducted from the rest of your account balance. This would mean the amount would be deducted from the capital sum invested. In this situation the closing payment would be less than the amount of money you originally invested in the Fixed Rate ISA account.
The Cater Allen 1 Year Fixed Term Deposit for Charities is a fixed rate savings account offering a competitive return on your charity's savings.
Fixed Rate 2.30% AER
Investment term - 1 year
Interest paid gross upon maturity
Minimum deposit - £50,000
No withdrawals or additional deposits allowed during the term
Choice of options at maturity including automatic reinvestment
Cater Allen is part of the Santander Group.
Deadline for deposits - 31st October 2011
All deposits held by Cater Allen Private Banking are 100% guaranteed by Santander UK plc. The return of your initial deposit depends on the ability of Santander UK plc to repay the monies.
Looking to start a regular savings plan?
This account is ideal
Save £20 to £250 a month over one year
Earn high fixed interest of up to 3.25% AER / 3.20% gross pa 1 in months when no withdrawals are made
What you get
A regular savings plan that allows you to save £20 to £250 by standing order over a 12-month term
Save up to £3,000 over the 12-month term
High fixed interest of 3.25% AER / 3.20% gross pa for months when you don't make withdrawals
Lower rate of 3.03% AER / 2.99% gross pa for months when you make a withdrawal
Amend your standing order at any time
Interest paid monthly
Instant access to your cash when you need it
Manage your account online, by phone or in branch 2
Automatically switches to an instant access savings account when your term ends
This could suit you if:
Looking to start a regular savings plan?
This account is ideal
You want to start a regular savings plan
You're saving for a short-term goal
1. Gross is the rate of interest payable before income tax is deducted. Interest is payable gross to non-taxpayers subject to the required certification. AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded once each year.
2. Online and telephone access is only available to Barclays current account holders who are registered for Barclays Online and Telephone Banking. You will need a Barclays current account and your debit card to register for Barclays Online Banking.
3. To maintain a quality service, we may monitor and record phone calls. Calls to 0800 numbers are free when calling from a UK landline. Charges may apply when using a mobile phone or when calling from abroad.
Our Essential Savings account has the flexibility you need to build your savings. It offers you instant access with no restrictions and you can start saving from just £1. Barclays current account customers can manage their account online or by phone3 4 . You can also access your savings via our branches.
What you get
Instant access to your savings
No restrictions on withdrawals
Open from £1
Barclays current account customers can manage their account online or by phone. Branch access also available
Optional ATM card to withdraw up to £300 per day from Barclays cash machines
Interest paid monthly
Account can be included within an offset mortgage arrangement if you have a Woolwich offset mortgage
Age restriction
You need to be 16 or over to apply for an Essential Savings account.
Cooling off
If you are not happy with your account, you have a 14-day period in which to contact us to cancel your account or switch to another account. This period begins on the date your account is opened or the date you receive your terms and conditions and other account information, whichever is the later. If you contact us within this period to cancel or switch your account,
we will refund any account fees you may have paid. However, if you cancel or switch your account at a later date, you will not be refunded the account fees that you have paid. If you wish to cancel or switch your account, you should tell us by writing to Barclays, Leicester LE87 2BB.
1. We may withdraw or change the bonus offer at any time without notice. This would only apply to new accounts opened from that time.
2. Gross is the rate of interest payable before income tax is deducted. Interest is payable gross to non-taxpayers subject to the required certification. AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded once each year.
3. Online and telephone access is only available to Barclays current account holders who are registered for Barclays Online and Telephone Banking. You will need a Barclays current account and your debit card to register for Barclays Online Banking.
4. To maintain a quality service, we may monitor and record phone calls. Calls to 0800 numbers are free when calling from a UK landline. Charges may apply when using a mobile phone or when calling from abroad. Read our call charges and information.
Save your money in our Online Bonus Saver, and we'll give you bonus saving interest on the months you don't make a withdrawal.
Let your spare cash flow into an account that you can easily manage online. If you're looking for a simple savings account, our Online Bonus Saver could be the right account for you.
Variable rate of 0.75% AER (0.75% gross including bonus interest), when you don't make a withdrawal. If you do need to make a withdrawal, you won't get bonus interest, but you'll still get 0.25% AER (0.25% gross).
You can open an Online Bonus savings account with just £1 (one account permitted per customer).
Interest is calculated daily and paid monthly, on the full balance.
Interest payable on balances from £1 to £50,000. For balances that exceed £50,000 we will pay a lower rate of interest.
Accounts are managed online only. You can view your statements online.
You can transfer funds to another HSBC account or to an account held elsewhere, using Internet Banking.
This is a limited offer and can be withdrawn at any time, so make sure you take advantage today.
The e-savings Reward account is a great choice if you want an incentive to save regularly and see your money grow.
As an online-only account, it lets you access your money whenever you like but offers a higher rate of interest for months when no withdrawals are made.
Whether you’re an existing customer or new to Barclays, apply for our e-savings Reward account online and benefit from our competitive savings rate.
Features
Easy to open
Manage your account online
Great for long term saving. Earn a higher rate of interest for months when no withdrawals are made
Ideal if you have extra money to put away each month
You still earn interest if you need to make a withdrawal but at a lower rate for that month
Open from £1
Optional ATM card to withdraw up to £300 per day from Barclays cash machines
Maximum balance £2million
A maximum of two accounts per customer. You must be 18 or over to apply
Interest rates
Higher rate of 1.26% AER / 1.25% gross pa 1 for months when no withdrawals are made
Lower rate of 0.85% AER / 0.85% gross pa paid for months in which a withdrawal is made
Both of the above rates include an introductory bonus of 0.75% gross. The bonus is payable for 12 months, after which time the rates will reduce accordingly 2
Rates are variable. Interest paid monthly
How much can I withdraw?
Normal Online Banking maximum payment limits and payment times apply. For transfers between your own Barclays accounts, the limit is £250,000 per transaction although you can make as many transfers as you want, provided you have sufficient funds. For payments to third parties, including your own accounts at other banks, the overall daily limit is £10,000.
Cooling-off
If you are not happy with your account, you have a 14-day period in which to contact us to cancel your account or switch to another account. Any interest earned during the cooling-off period will be paid to you. This 14-day period begins on the date your account is opened or the date you receive your terms and conditions and other account information, whichever is the later.
1. Gross is the rate of interest payable before income tax is deducted. Interest is payable gross to non-taxpayers subject to the required certification. AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded once each year.
2. We may withdraw or change the bonus offer at any time without notice. Bonus is payable for 12 months from the date of the account opening with a minimum balance of £1 after which time the rate will reduce accordingly.
Getting into the savings habit is as easy as putting the kettle on. And with our e-savings account you can get started in less time than it takes to make a cup of tea 1
Our e-savings account is an exclusively online savings account. You don't need to save regularly and you can move your money between your Barclays accounts in minutes without waiting for it to clear.
What you get
Interest rate 0.10% AER / 0.10% gross pa 2
Maximum deposit of £2 million
Interest paid quarterly
Online account management
Instant access
Instant transfers online between your Barclays accounts
Manage your online savings account around the clock
Easy to open with just £1
1. For existing online customers.
2. Gross is the rate of interest payable before income tax is deducted. Interest is payable gross to non-taxpayers subject to the required certification. AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded once each year.
ISAs
An ISA is simply a savings account and stands for Individual Savings Account. An ISA lets you pay little or no tax on your savings interest or investments earnings.
There are two main types of ISA available:
Cash ISAs which are classed as tax free. Tax free means that interest payable is exempt from UK income tax.
Stocks and shares ISAs which are classed as tax efficient. These are higher in risk and should be considered as being for the longer term (i.e. at least 5 years)
A single account for savings and cash ISAs from a range of providers
Alerts when your savings mature
Competitive rates and exclusive products at the click of a button
Never drop to a low rate again
We’ve created a new type of savings account: one that takes the pain away from switching when your savings mature – and allows you to save with multiple providers from one place.
It's one account, with choices
The Governor account is totally unique. It enables you to choose from a competitive range of savings and Cash ISA products, but manage them all from one account.
Savings without the admin
With just one account, you'll only have one user name, one password, and one annual tax statement.
You'll be able to see everything in one place, both your total balances and individual holdings, with all the rate information at your fingertips.
You'll also get automatic charts to show you different views of your money, projections of your interest income for the next 12 months, and a consolidated view of your Financial Services Compensation Scheme limits within your Governor account.
Refreshingly simple Cash ISAs
With traditional Cash ISAs, it takes weeks to move your money between providers. Once your Cash ISA is with Governor, you can reinvest at the click of a button with any of our providers.
For new Cash ISA subscriptions, we’ll keep track of your allowance throughout the year. You’ll be able to deposit additional money whenever you like across a choice of products.
All with UK FSCS protection
To ensure you can save with all of our providers with confidence, we only accept providers who are UK authorised and regulated.
This means they are covered by the Financial Services Compensation Scheme (FSCS), so your savings are protected up to £85,000 per individual per deposit taker.
Putting savers first
UK savers get a raw deal. According to research conducted by Which? UK savers lose £12bn per year by allowing their money to remain in accounts with low interest rates – that is an average of £322 of lost interest every year per saver!
Even if you actively manage your savings, there’s a lot of work to be done – researching the market, instigating transfers, managing multiple accounts and log-ins, collating information (rates, maturities, tax returns etc.).
Governor was set-up to offer savers a simple way to manage their cash and get a better return from a single, secure account.
Who is behind Governor?
Governor is brought to you by Family Investments, a trading name of Family Assurance Friendly Society Limited. Family Investments manage £3.2 billion of money for 1.75m people in the UK.
Family Investments has over 35 years’ experience providing investments for families. As a mutual institution, they are owned by their customers which means they are directly answerable to them.
We're proud to announce the launch of our stocks and shares Junior Individual Savings Account (Junior ISA).
Created for children who didn't qualify for a Child Trust Fund account, the Junior ISA allows you to invest up to £3,600 in the current tax year in a cash or stocks and shares Junior ISA, or a combination of both.
Only the child will be able to access the money and only from their 18th birthday.
It's never too early to think about investing for your child's future. With our simple and affordable stocks and shares Junior ISA, you can start putting money away from as little as £10 a month.
Our Junior ISA at a glance:
Invests in Stocks and Shares.
Available to children under the age of 16 who were not eligible for a Child Trust Fund.
Tax-efficient - proceeds are free of income tax and capital gains tax. Of course, tax advantages depend on individual circumstances and the tax treatment of the Junior ISA may change in the future.
Family and friends can pay in up to a combined total of £3,600 this tax year (this is the maximum amount that can be paid into a stocks and shares Junior ISA and a cash Junior ISA combined).
Child can access the money from their 18th birthday. At the age of 16, the child can choose to manage the account themselves.
Offers an ethical fund option.
Includes an Annual Management Charge of 1.5%.
Manage the account online.
Because the Family Investments Junior ISA will invest in stocks and shares, its value can fall as well as rise and the child could get back less than was paid in.
Family Investments does not provide advice. If you have any doubts about the suitability of this product you should seek independent financial advice.
Its aims
To provide a child with a tax-free lump sum at the start of their adult life which they can use to invest in their future (the proceeds from the account are free of income tax and capital gains tax. The fund is subject to tax).
Our Junior ISA aims to achieve growth by investing mainly in worldwide stocks and shares and fixed interest investments.
Our ethical Junior ISA aims to achieve growth by investing in shares that closely follow the performance of the FTSE4Good UK 50 Total Return Index.
Your commitment
You can open a Family Investments Junior ISA by committing to invest at least £10 a month or by investing a lump sum of at least £500.
From 6th April 2012 you can also open our Junior ISA by transferring at least £750 from an existing Junior ISA held with another provider.
You don't have to maintain monthly payments or make any additional payments if you don't want to; but, as the money is invested in stocks and shares, you should expect the money to remain invested for at least five years.
All payments made into a Junior ISA are considered a gift to the child and cannot be returned.
The money in the account can only be taken out by the child and only once they reach 18.
Our internet-only ISA Saver Online helps you make the most of your tax free allowance, whilst giving you the flexibility and peace of mind of easy access to your savings.
Unlimited deposits
Make as many deposits as you want until your total reaches the annual cash ISA allowance limit, currently £5,340.
So you can save as and when you have the spare cash, in lump sums or even get into a regular savings habit with a standing order. Whatever suits you.
Unlimited withdrawals and easy access
Locking your money away can be a scary thought, as we never know what might be around the corner.
With the ISA Saver Online you get easy access to your savings and no restrictions on the number of withdrawals. So you can get to your money whenever you need it.
Remember, you can still only deposit a total of £5,340 over the year.
Transfer an existing ISA
Existing ISA balances can be transferred into an ISA Saver Online, and this doesn’t affect this year’s ISA allowance. And don’t forget, you’ll get our ISA Promise
Variable interest rate
The interest rate varies from time to time and may go up or down. Check in branch, online or by telephone for the latest rates. The interest is paid annually on 5th April or on the previous working day.
Access your account online
View your latest balance, interest rate, and statement using our Online Banking service, 24/7.
Halifax Savers Prize Draw
ISA Saver Online is a qualifying savings account for the Halifax Savers Prize Draw, where every month we're giving 3 savers £100,000.
Head Start
If you are saving for your first home, you might be eligible for a reward with Head Start Home Saver
Current rates:
Interest rate currently payable is 2.60% tax free/AER which includes a fixed introductory bonus of 2.35% for 12 months from the date of account opening. At the end of the bonus period, variable rates without bonus will apply, currently this is 0.25% tax free/AER.
If you can put away your money for a while and not touch it, our ISA Saver Fixed gives a fixed rate - so you’ll know exactly how much interest you’ll get back. And, best of all, it’s tax free.
Fixed terms from 1-5 years
This account allows savers to choose the term that best suits their needs.
Interest rates from 2.25% tax free/AER to 4.20% tax free/AER
Rates are fixed but vary according to the length of term the funds are committed for
Transfer an existing ISA
Existing ISA balances can be transferred into an ISA Saver Fixed, and this doesn’t affect this year’s ISA allowance. And don’t forget, you’ll get our ISA Promise.
Halifax Savers Prize Draw
ISA Saver Fixed is a qualifying savings account for the Halifax Savers Prize Draw, where every month we're giving 3 savers £100,000.
Make the most of your cash ISA allowance with a Nationwide e-ISA. Everyone aged 16 or over can save up to £5,340 tax-free with one provider, each tax year. With most savings accounts, if you are a tax payer the tax man gets a cut from the interest you earn, that's why it's reassuring to know that with a cash ISA all the interest you earn, you keep.
Key Features
A great introductory fixed rate of 2.75% AER tax-free until 31 January 2013*
Applies to balances over £1,000, for any day your balance goes below £1,000 you earn a rate of 0.25% tax-free AER variable
Instant access with unlimited withdrawals and deposits up to your annual cash ISA limit
Open your account with as little as £1
Transfer in funds from your existing cash ISAs and as part of our Savings Promises you will start earning interest as soon as we receive your application
Provided that the funds are free to move and not subject to any notice period
Manage your account online
Available to Nationwide card account customers
Excludes Regular Savings. If you don't already have a card account you may also like to apply for a FlexAccount, CashBuilder Card, Smart or InvestDirect
Why pay tax on your savings interest?
e-ISA gives you from 2.00% AER variable tax free
Instant access - easy to manage your account online
Save up to £5,340 in your e-ISA each tax year
Watch your money grow with interest paid monthly
Transfers in allowed – bring all your cash ISAs together in one place
Why choose a NatWest e-ISA?
Earn up to 2.50% AER (variable)
Save up to £5,340 in a tax year – this is the limit for the tax year 2011/2012
No penalties – we won’t charge you for withdrawing your money. However, if you decide to make a further deposit, remember that you can only deposit a maximum of £5,340 over the entire tax year
Monthly tax-free* interest – paid directly into your account
Get the savings habit – we can set up a regular transfer from your other NatWest account
Manage your NatWest e-ISA online
Set up and track your own personal savings goals – through Online Banking
*interest is paid tax-free which means it is exempt from UK income tax.
Apply from 1st February - 29th February 2012 - first come first served basis
Save between £1,000 - £5,340 in your Fixed Rate ISA this tax year
Transfers in allowed - bring all your cash ISAs together in one place
What you need to know
Pre start rate - you will earn interest equivalent to our variable cash ISA rate up until the start date of your Fixed rate ISA - 4 April 2012.
Annual interest is calculated daily and paid into your Fixed rate ISA on the last business day in March.
Tax year subscriptions - you cannot subscribe to another cash ISA in the same tax year in which you opened the Fixed rate ISA. A Fixed Rate ISA is a cash ISA.
Top-ups - are allowed up until 28th March 2012 to ensure you maximise your current tax year’s allowance before the start date. No additional deposits are allowed after this date.
Withdrawals are not allowed - however if you need access to your savings you can close your Fixed Rate ISA, incurring an interest charge equivalent to: 90 days gross interest
If the amount of interest charged is more than the interest accrued on the Fixed Rate ISA at the date of closure, this will be deducted from the rest of your account balance. This would mean the amount would be deducted from the capital sum invested. In this situation the closing payment would be less than the amount of money you originally invested in the Fixed Rate ISA account.
Earn 3.50% AER/Gross (minimum balance £1,000) with interest paid annually
Rates available from 1st February - 29th February 2012
Available on a first come first served basis
What you need to know
Pre start rate - You will earn interest equivalent to our variable cash ISA rate up until the start date of your Fixed Rate ISA – 4 April 2012.
Annual interest is calculated daily and paid into your Fixed rate ISA on the last business day in March.
Tax year subscriptions - you cannot subscribe to another cash ISA in the same tax year in which you opened the Fixed rate ISA. A Fixed Rate ISA is a cash ISA.
Top ups - are allowed up until 28th March 2012 to ensure you maximise your current tax year's allowance before the start date. No additional deposits are allowed after this date.
Withdrawals are not allowed - however if you need access to your savings you can close your Fixed Rate ISA, incurring an interest charge equivalent to: 180 days gross interest (2 year Fixed Rate ISA)
If the amount of interest charged is more than the interest accrued on the Fixed Rate ISA at the date of closure, this will be deducted from the rest of your account balance. This would mean the amount would be deducted from the capital sum invested. In this situation the closing payment would be less than the amount of money you originally invested in the Fixed Rate ISA account.
Gross – this means the interest rate you are paid before the deduction of income tax
Annual Equivalent Rate (AER) – this is a notional rate used for interest bearing accounts, which illustrates the interest rate if paid and compounded each year. It helps you to compare the effective rates of credit interest on different accounts
Tax-free interest means that interest payable is exempt from UK income tax.
Earn 3.80% AER/Gross when annual interest is selected and 3.80% AER, 3.74% Gross p.a. when interest is paid monthly (minimum balance £1,000)
Rates available from 1st February - 29th February 2012
Available on a first come first served basis
What you need to know
Pre start rate - You will earn interest equivalent to our variable cash ISA rate up until the start date of your Fixed Rate ISA – 4 April 2012.
Annual interest is calculated daily and paid into your Fixed rate ISA on the last business day in March.
Tax year subscriptions - you cannot subscribe to another cash ISA in the same tax year in which you opened the Fixed rate ISA. A Fixed Rate ISA is a cash ISA.
Top ups - are allowed up until 28th March 2012 to ensure you maximise your current tax year's allowance before the start date. No additional deposits are allowed after this date.
Withdrawals are not allowed - however if you need access to your savings you can close your Fixed Rate ISA, incurring an interest charge equivalent to: 270 days gross interest (3 year Fixed Rate ISA)
If the amount of interest charged is more than the interest accrued on the Fixed Rate ISA at the date of closure, this will be deducted from the rest of your account balance. This would mean the amount would be deducted from the capital sum invested. In this situation the closing payment would be less than the amount of money you originally invested in the Fixed Rate ISA account.
Gross – this means the interest rate you are paid before the deduction of income tax
Annual Equivalent Rate (AER) – this is a notional rate used for interest bearing accounts, which illustrates the interest rate if paid and compounded each year. It helps you to compare the effective rates of credit interest on different accounts
Tax-free interest means that interest payable is exempt from UK income tax.
Get a Cash ISA with a fixed rate
Fixed Rate ISA offers tax free savings, available for 1, 2 and 3 year savings term
From 2.60% AER (minimum balance £1,000)
Save up to £5,340 in your Fixed Rate ISA each tax year
Transfers in allowed – bring all your cash ISAs together in one place
A cash ISA where you can benefit from tax free interest rates on balances from £1,000 that you are able to tuck away for 1, 2 or 3 year terms. Tax free interest means that interest payable is exempt from UK income tax.
Save between £1,000 - £5,340 this tax year
Transfer in existing cash ISA balances to increase your tax free earning potential
Rates available from 1st February – 29th February 2012 and on a first come first served basis
The ISA that aims to grow your money - but doesn't forget the planet
The Virgin Climate Change ISA invests in specially selected businesses (predominantly in the UK and Europe) who aim to drive outstanding profit growth and have a lighter environmental footprint.
We believe these companies will outperform heavier polluters who are facing increasing pollution taxes and penalties, imposed by Governments and regulators.
You can:
Invest up to £10,680 this tax year (more with a Virgin Unit Trust)
Pay in lump sums of £100 or more (there is a £500 minimum opening investment), or make regular monthly payments of £50 or more
Invest by transferring existing ISAs to us
Take your money out whenever you need to - there are no notice periods
Things to remember:
You won’t pay any tax on the growth in value of your investment
There’s an annual management fee of 1.75%
There may also be a performance related fee if the fund outperforms the benchmarks set. This will be reflected in the unit price.
Remember
Please remember, past performance isn’t a guide to the future, and with all stock market investments the value of your savings and the income you get from them can fall as well as rise, so you may not get back the amount you invested. To maximise your chances of a good return you should be looking to invest for at least five years.
The opportunity for early maturity
The Investec FTSE 100 Enhanced Kick Out Plan 24 - Option 1 is a 5 year structured investment plan that offers the opportunity to mature early at the end of years 1, 2, 3 or 4, with a fixed payment equal to 12.5% per year (not compounded) if at the end of each year the FTSE 100 is higher than its starting level. If the Plan runs for the full 5 years it will return 1.2 x any FTSE 100 growth with no upper limit.
The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
Potential return of 12.5% pa in years 1,2,3 & 4 or a final growth return of 1.2 x any rise in the FTSE 100
Capital at risk product*
Investment term - Up to 5 Years
Minimum single investment - £1,500
Maximum Stocks & Shares ISA investment - £10,680
Maximum investment - £1,000,000
Also available to businesses, charities and trusts
ISA transfer deadline - 4th November 2011
ISA investment deadline - 18th November 2011
Direct investment deadline - 18th November 2011
*The return of your initial deposit depends on the ability of the deposit taker (Investec Bank plc) to repay your money.
Special Offer
For investments within this product of £100,000 or more processed through Fair Investment Company Limited, we will pay you Cashback of 1%. E.g. If you invested £100,000 into the above plan through Fair Investment Company Ltd., we would send you a cheque for £1000 four weeks after the start date of the plan.
This is a structured investment plan that is not capital protected and is not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the FTSE 100 Index.
There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term. The past performance of the FTSE 100 Index is not a guide to its future performance.
If you are at all unsure of the suitability of this type of investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.
Fair Investment Company Limited is Authorised and Regulated by the Financial Services Authority.
The Opportunity for High Growth Returns
The Investec FTSE 100 Geared Returns Plan 29 Option 1 is a 5 year structured investment plan that aims to provide a defined return of 75% if the FTSE 100 Index is higher after 5 years, plus the return of your initial investment at maturity. (Please see the plan brochure for details of how the potential returns are calculated.)
The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
Potential defined return of 75%*
Capital at risk investment**
Investment term - 5 Years
Minimum single investment - £1,500
Maximum Stocks & Shares ISA investment - £10,680
Maximum investment - £1,000,000
Also available to businesses, charities and trusts
ISA transfer deadline - 4th November 2011
ISA investment deadline - 18th November 2011
Direct investment deadline - 18th November 2011
*At the end of the investment term you will receive the potential defined return as long as the level of the FTSE 100 Index at maturity is higher than the starting level.
**The return of your initial investment and any stated returns depend on the performance of the FTSE 100 Index and the ability of the counterparty (Investec Bank Plc) to repay your money.
Special Offer
For investments within this product of £100,000 or more processed through Fair Investment Company Limited, we will pay you Cashback of 1%. E.g. If you invested £100,000 into the above plan through Fair Investment Company Ltd., we would send you a cheque for £1000 four weeks after the start date of the plan.
This is a structured investment plan that is not capital protected and is not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the FTSE 100 Index.
There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term. The past performance of the FTSE 100 Index is not a guide to its future performance.
If you are at all unsure of the suitability of this type of investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.
Fair Investment Company Limited is Authorised and Regulated by the Financial Services Authority.
The Opportunity for Regular Annual or Monthly Income
The Investec FTSE 100 Bonus Income Plan 19 (Investec Version) is a 5 year structured investment plan linked to the performance of the FTSE 100 Index, which will return a fixed income of 6.25% annually with a potential annual bonus of 0.50% (gross). A monthly version of this plan is also available.
The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
Fixed annual income - 6.25%
Potential annual bonus payment - 0.50% (gross)
Capital at risk investment*
Investment term - 5 Years
Minimum single investment - £1,500
Maximum Stocks & Shares ISA investment - £10,680
Maximum investment - £1,000,000
Also available to businesses, charities and trusts
ISA transfer deadline - 4th November 2011
ISA investment deadline - 18th November 2011
Direct investment deadline - 18th November 2011
*The return of your initial deposit depends on the ability of the deposit taker (Investec Bank plc) to repay your money.
Special Offer
For investments within this product of £100,000 or more processed through Fair Investment Company Limited, we will pay you Cashback of 1%. E.g. If you invested £100,000 into the above plan through Fair Investment Company Ltd., we would send you a cheque for £1000 four weeks after the start date of the plan.
This is a structured investment plan that is not capital protected and is not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the FTSE 100 Index.
There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term. The past performance of the FTSE 100 Index is not a guide to its future performance.
If you are at all unsure of the suitability of this type of investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.
Fair Investment Company Limited is Authorised and Regulated by the Financial Services Authority.
The Opportunity for High Growth Returns and Capital Protection
The Investec 5 Year FTSE 100 Deposit Growth Plan 10 - Option 1 is a capital protected 5 year structured deposit plan linked to the performance of the FTSE 100 Index, which aims to repay your initial deposit at maturity and return 100% of any growth in the FTSE 100 Index after 5 years.
The Plan will return your initial deposit at maturity, regardless of the performance of the FTSE 100 Index. You will also receive 100% of any growth in the FTSE 100 Index if the level of the Index is higher than its starting level after 5 years. (Please see the plan brochure for details of how the potential returns are calculated.)
This plan is available as a Cash ISA, Cash ISA Transfer, Direct Investment, as well as SIPP, and SSAS pension investments. It is also available to businesses, charities and trusts.
Potential return - 100% of any rise in the FTSE 100 Index after 5 years
Capital protected product*
Eligible for the Financial Services Compensation Scheme up to £85,000 for an individual or up to £170,000 for a joint deposit account **
Investment term - 5 Years
Minimum single investment - £1,500
Maximum cash ISA investment - £5,340
Maximum direct investment - £1,000,000
Also available to businesses, charities and trusts
This Plan is not the same as a bank or building society deposit account and you may not receive your initial deposit in full if your capital is withdrawn early
ISA transfer deadline - 4th November 2011
ISA investment deadline - 18th November 2011
Direct investment deadline - 18th November 2011
*The return of your initial deposit depends on the ability of the deposit taker (Investec Bank plc) to repay your money.
**Subject to the Scheme's eligibility criteria - see brochure for details.
Special Offer
For investments within this product of £100,000 or more processed through Fair Investment Company Limited, we will pay you Cashback of 1%. E.g. If you invested £100,000 into the above plan through Fair Investment Company Ltd., we would send you a cheque for £1000 four weeks after the start date of the plan.
This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term. The past performance of the FTSE 100 Index is not a guide to its future performance.
If you are at all unsure of the suitability of this type of investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.
Fair Investment Company Limited is Authorised and Regulated by the Financial Services Authority.
The opportunity for 60% growth in a falling market
The Morgan Stanley FTSE Booster Plan 1 is a 6 year structured investment plan linked to the performance of the FTSE 100 Index which aims to pay a fixed return of 60% at maturity if the FTSE has not fallen by more than 20% at the end of the investment term.
Although your capital is at risk if the FTSE falls by more than 50%, the plan has a unique 'booster' feature which allows you to receive a positive return if the FTSE falls between 20% and 50% and cushions the losses if it falls beyond that.
The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
Potential growth returns: 60%*
Capital at risk product**
Unique 'booster' feature
Investment term: 6 Years
Minimum single investment - £3,000
Maximum current year ISA investment - £10,680
No maximum ISA transfer
No maximum total investment
Also available to businesses, charities and SIPPs
ISA transfer deadline - 16th November 2011
ISA investment deadline - 23rd November 2011
Direct investment deadline - 23rd November 2011
* Dependent on the performance of the FTSE 100
** The return of your capital depends on the performance of the FTSE 100 Index and the ability of the counterparty (Morgan Stanley) to repay the monies.
Special Offer
For investments within this product of £100,000 or more processed through Fair Investment Company Limited, we will pay you Cashback of 1%. E.g. If you invested £100,000 into the above plan through Fair Investment Company Ltd., we would send you a cheque for £1000 four weeks after the start date of the plan.
This is a structured investment plan that is not capital protected and is not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the FTSE 100 Index.
There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term. The past performance of the FTSE 100 Index is not a guide to its future performance.
If you are at all unsure of the suitability of this type of investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.
Fair Investment Company Limited is Authorised and Regulated by the Financial Services Authority.
e-Bond - online savings bonds with great guaranteed rates
Nationwide's e-Bonds offer high interest rates – up to 3.50% gross p.a./AER* - and you can open an account with as little as £1. All you need is a Nationwide FlexAccount and you could start saving today.
e-Bonds are a simple way to get a guaranteed rate of return from your online savings.
Just some of the highlights
6 months, 18 months, 1, 2 and 3 year options to choose from
manage your savings bonds online via our secure Internet Bank
enjoy the security of a guaranteed rate of return**
choose between monthly or annual interest
open several e-Bonds (the combined savings bonds balance mustn't exceed £3m)
use your own e-Bond account nickname instead of having to remember a lot of numbers
your online security protected with Nationwide's Internet Banking Promise
The rates and terms offered are only available for limited periods and may be withdrawn at any time. You must have a Nationwide FlexAccount before opening an online savings bond. Partial withdrawals from your account before the end of the fixed term are not allowed.
An online savings bond is right for you if...
you want to operate your account online
you want a guaranteed rate of return
you want to lock your money away for a period of time
you want to be able to choose annual or monthly interest payments
*AER stands for annual equivalent rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
The gross rate of interest is the interest rate payable before any income tax is deducted (if you do pay tax).
**excludes 18 month Tracker e-Bond, which instead guarantees to track the Bank of England Base Rate.
Looking to save at least £5,000 – keeping it untouched for the next 12 months? Our 1 Year Fixed Rate Bond could be the perfect answer.
Earn 3.00%% AER/Gross when annual interest is selected and 3.00% AER / 2.96% Gross p.a. when interest is paid monthly on balances of £5,000 - £24,999
Earn 3.20% AER/Gross when annual interest is selected and 3.20% AER / 3.15% Gross p.a. when interest is paid monthly on balances of £25,000 - £500,000
Interest paid monthly or annually
£5,000 - £500,000 investment
Bonds run from 6th February 19 March 2012 – 19 March 2014
Available on a first come first served basis
What you need to know
You will need to have a NatWest current account or certain instant access savings accounts for payment of interest. The only savings accounts you can't use are our e-Savings and Cash ISA accounts.
Once your Fixed Rate Bond application is processed the funds will be transferred from your nominated account to your Fixed Rate Bond. Interest will be paid at 2.0% AER/Gross until the start of your Bond – 19 March 2012
No partial withdrawals or additional deposits are allowed. An early closure of the Bond will incur an interest charge equivalent to 90 days’ Gross interest.
Annual Equivalent Rate (AER) illustrates what the interest rate would be if paid and compounded each year.
Gross is the interest paid before the deduction of tax.
Looking to save at least £5,000 - keeping it untouched for the next year? Our 1 Year Fixed Rate Bond could be the perfect answer.
Save between £5,000 - £500,000 and leave it untouched for the term
Bonds start on 19 March 2012
Available to personal RBS customers aged 18 or over
No partial withdrawals or additional deposits are allowed. Early closure will result in an interest charge equivalent to: 90 days' gross interest for our 1 year Fixed Rate Bond
You will need to have an RBS current account or instant access savings account (excluding all Cash ISA accounts) for the payment of interest
Interest will be paid at a fixed rate of 2.00% AER/Gross until 19 March 2012
This is a limited offer and may be withdrawn from sale at any time
Looking to save at least £5,000 – keeping it untouched for the next 2 years? Our 2 year Fixed Rate Bond could be the perfect answer.
Earn 3.40% AER/Gross when annual interest is selected and 3.40% AER / 3.64% Gross p.a. when interest is paid monthly on balances of £5,000 - £24,999
Earn 3.70% AER/Gross when annual interest is selected and 3.70% AER / 3.35% Gross p.a. when interest is paid monthly on balances of £25,000 - £500,000
Interest paid monthly or annually
£5,000 - £500,000 investment
Bonds run from 19 March 2012 - 19 March 2013
Available on a first come first served basis – may be withdrawn at any time
What you need to know
You will need to have a NatWest current account or certain instant access savings accounts for payment of interest. The only savings accounts you can't use are our e-Savings and Cash ISA accounts.
Once your Fixed Rate Bond application is processed the funds will be transferred from your nominated account to your Fixed Rate Bond. Interest will be paid at 2.00% AER/Gross until the start of your Bond – 19 March 2012
No partial withdrawals or additional deposits are allowed. An early closure of the Bond will incur an interest charge equivalent to 180 days’ Gross interest.
Annual Equivalent Rate (AER) - this is a notional rate used for interest bearing accounts, which illustrates the interest rate if paid and compounded each year. It helps you to compare the effective rates of credit interest on different accounts
Gross - this means the interest rate you are paid before the deduction of income tax
Looking to save at least £5,000 - keeping it untouched for the next 2 years? Our 2 Year Fixed Rate Bond could be the perfect answer.
Save between £5,000 - £500,000 and leave it untouched for the term
Bonds start on 19 March 2012
Available to personal RBS customers aged 18 or over
No partial withdrawals or additional deposits are allowed. Early closure will result in an interest charge equivalent to: 180 days' gross interest for our 2 year Fixed Rate Bond
You will need to have an RBS current account or instant access savings account (excluding all Cash ISA accounts) for the payment of interest
Interest will be paid at a fixed rate of 2.00% AER/Gross until 19 March 2012
This is a limited offer and may be withdrawn from sale at any time
Driven to do better
At Santander, we're driven to do better. That's why we'll give you up to £300 if you switch your main current account to us by 29th February 2012 using our dedicated switcher service.
What you get:
A market leading current account that gives you 5% AER (fixed) on your balance and up to £300 cashback when you switch
Up to £300 cashback when you switch your main current account to us
5% AER (fixed) for 12 months on balances up to £2,500 when you pay in at least £1,000 each month. The rate changes to 1% AER (variable) after 12 months
Interest is not paid on any amount over £2,500, or on your whole balance if you do not pay in at least £1,000 each month
A £2 underfunding fee will apply in any month that you cannot pay in at least £1,000
Easy access to your account 24 hours a day, using internet and phone banking as well as through 1,400 Santander branches
A free Arranged Overdraft for 12 months (see representative example below). Overdrafts are offered depending on your circumstances
To qualify for overdraft matching you must be approved for a Visa Debit card, agree to pay your income into your new account and provide proof of your existing overdraft. Maximum overdraft matching limit is £5,000.
Dedicated Switcher Service – It's important you feel confident in moving your main current account to us, which is why we will help you each step of the way.
To apply you must be aged 18 or over and living permanently in the UK.
Cashback offer available until 29th February 2012
Representative Example
0% EAR (variable) Arranged Overdraft. No Daily Arranged Overdraft Fee for the first 12 months. Then 50p per day capped at 10 days each monthly statement period applies thereafter.
Assumed Arranged Overdraft credit limit: £1,200. Actual amount may differ.
If you don't switch the Daily Arranged Overdraft Fee will apply from account opening.
Can’t get a bank account? – We can help!
Introducing eccount banking from Tuxedo
£10 per month
No hidden fees
No credit checks
No bank account needed
No hidden fees
Have your wages and any benefits paid in
Pay in cash at PayPoint or Post Office
Set up Standing Orders
Spend with an eccount banking prepaid MasterCard®
What is eccount banking?
eccount banking is a great alternative to a basic bank account. With eccount banking you are able to manage your day-to-day finances easily by phone, text or online. You can have your wages and any benefits paid directly to your eccount by simply giving your employer or benefits agency your eccount banking details such as your sort code, account number and payment reference (your 9 digit eccount number).
Is eccount banking the same as a bank account?
eccount banking allows you to pay in cash, cheques, wages and benefits whilst also allowing you to make payments out of your account by standing order, bank transfer and also card payments in shops and online anywhere you see the MasterCard Acceptance Mark. You can also withdraw cash for FREE* at many cash machines in the UK meaning you can use your eccount banking facility just like a bank account.
Banking without the hidden charges
eccount banking costs £10 per month with no extra or hidden fees, unlike a basic bank account, you cannot go overdrawn with the account and there is no risk of getting into debt.
Apply for eccount banking now. Open to everyone* – No Bank Account Needed!
Open your new eccount banking account instantly.
The eccount is ideal if you:
Are an undischarged bankrupt
Have a debt management plan or IVA
Need help managing your money
Struggle to keep on top of your finances
Have a bad credit history
Have been turned away from the high street banks
Use your card at any ATM – for FREE*
Unlike some basic bank accounts, we don’t restrict you to use only one bank’s cash machines
Use anywhere you see the MasterCard® Acceptance Mark
FREE cash withdrawals at any cash machine*
Use at over 1.2 million cash machines worldwide
*Conditions apply. Acceptable proof of ID may be required. UK Residents, 18+. Some 3rd party ATM operators may charge for cash withdrawals.
Free day-to-day banking. All we ask is that you keep to the transaction limits of 100 cheque deposits and £3,000 in cash deposits per month, and 100 cash and cheque withdrawals per month
Unlimited direct debits, standing orders and bill payments
Unlimited debit card payments
Unlimited automated BACS credit
Unlimited transfers between linked Santander accounts
Free access to Relationship Managers as your business grows
The convenience to manage your account online, by telephone or through our 1,400 branches
Cheque book, paying in book, debit card and regular statements
Authorise others to operate the account on your behalf
Earn interest on credit balances, calculated daily and paid monthly. Currently 0.01% gross/AER (variable)
Charges apply for transactions that exceed the specified free limits and are listed below.
50p per cheque deposited
50p per £100 cash deposited
50p per cash and cheque withdrawal
Business customers must be 18 or over and living in the UK and the account must be used for business purposes only. Open to businesses with a turnover of up to £1 million.
Our Classic Account will give you all you need to make everyday banking easier. It comes packed with great features to help you make the most of your money. Manage your money 24 hours a day, 7 days a week.
And if you add Vantage to your account, you could get up to 4.00% AER variable (3.93% Gross) interest for balances up to £7,000 on your current account.
Features & Benefits
Free banking with the UK’s most popular current account provider* - no charge for everyday transactions when you’re in credit.
A Lloyds TSB Visa debit card you can use in over 500,000 places in the UK, 27 million outlets worldwide and online.
Manage your money 24 hours a day through Internet Banking, PhoneBank® and Mobile Banking.
Money Manager is a free, easy-to-use Internet Banking service that introduces a new way of keeping track of your money across your Lloyds TSB personal current and credit card accounts.
Get 4.00% AER variable (3.93% Gross) interest paid monthly for balances from £5,000 up to £7,000 on your current account by adding Vantage to your account.
£10 overdraft buffer. No overdraft fees or interest to pay if you go overdrawn (either Planned or Unplanned) by £10 or less.
Grace period if you go over your limit. You have until 3.30pm (UK Time) to pay in enough money to avoid any overdraft fees you may incur that day. The money needs to be immediately available to use, so you could transfer money from another personal account you have with us via Mobile Banking, Internet Banking or Telephone Banking or pay in cash over the counter in branch.
Switching to us is easy - We can help take the stress out of changing your bank account by helping to move Direct Debits and standing orders from any existing accounts to your Lloyds TSB current account.
Access to one of the biggest banking networks in the UK with over 1,800 branches and 63,000 LINK cash machines (you may be charged for using non-Lloyds TSB machines).
Commission-free foreign currency and non-sterling American Express® Travellers Cheques.
All the essentials to make everyday banking easy for you
Our current account offers flexible day-to-day banking:
Visa debit card – worldwide acceptance with added online security protection.
Overdraft – pay no interest on agreed overdrafts of up to £100 and there is no arrangement or renewal fees on overdrafts up to £15,000. (subject to eligibility)
UK only call centres - and more than 640 branches
Text alerts - helping you keep on top of your finances
No monthly account fee
Standing orders and direct debits – to help you manage your money.
Branch network makes it easy to stay close to your finances.
Online banking ensures you can manage your money 24 hours a day, 365 days a year.
Telephone banking with UK call centres, open for you 24 hours a day.
Free mobile phone banking - Stay in touch with your finances, anytime, anywhere. Check balances, mini statements and manage limit alerts, which could help you avoid going overdrawn. Network charges may apply.
Statements - monthly statements list all transactions and your current balance. You can also get mini-statements from any cash machine.
Withdraw cash - get your money from almost any UK cash machine. You can even withdraw local currency at cash machines abroad.
With our Bank Account, you get all the banking essentials you'd expect from HSBC, plus some handy extra benefits.
Key features and benefits
4% AER/Gross Regular Saver - Enjoy a preferential rate fixed for 12 months. Save between £25 and £250 in the first month, then make regular payments every month by standing order from your HSBC current account of at least £25 up to the maximum monthly balance. The maximum balance starts at £250 in month one and then increases by £250 each month thereafter.
Identity Theft Assistance – Get peace of mind with Identity Theft Assistance, which includes one free online credit report per year.
Monilink Mobile Banking – Keep tabs on your balance and transactions while you’re on the move.
Free 24/7 Internet Banking* - Manage your money online, pay bills and make payments securely.
Overdraft facility – The current rate is 19.9% EAR variable (subject to status)
HSBC Bank debit card – Pay for goods and services at home and abroad**.
Cashback – get up to £50 cashback at various UK outlets, when you pay with your HSBC Bank debit card.
Eligibility Criteria
You are required to pay £500 or more into your HSBC bank account each month, or we’ll either change it to a Current Account or give you notice that we’ll be closing your account. If you’re under the age of 24, the qualification criteria will not apply.
Our guaranteed hassle-free switching service
Automatic transfer of your Direct Debits and standing orders to your HSBC account.
Guaranteed delivery of your HSBC debit card and cheque book (if requested) on account opening after five working days and your PIN within seven – either to your home address or to your chosen HSBC branch – or we'll give you £10.
With our switching service , we can offer you an interest and charge free overdraft for up to three months taking into account your existing Direct Debits and standing orders subject to our usual credit assessment criteria.
If you don't want an overdraft or one isn't available, we’ll refund any charges or interest you’ve had to pay us due to a delay or mistake made during the switching process.
Your old bank should, within a reasonable time, refund any charges or interest that you had to pay to the old bank due to a delay or mistake made during the switching process.
A current account with exclusive offers and no monthly fee.
Our current account, FlexAccount, gives you access to a range of exclusive offers, including free European travel insurance, discounted personal loans and special mortgage deals - all with no monthly account fee.
What's more, for the fifth year in a row, independent financial research company Defaqto gave our account their 5-star rating for product features, benefits and charges.
With one of the highest levels of satisfaction on the high street, and online banking we're confident you'll enjoy having your current account with us.
Key benefits at a glance....
Free travel insurance: multi-trip European cover worth up to £80* (conditions apply) †
Interest-free overdraft for 3 months when you switch using our Account Transfer process (conditions apply)
No monthly fee: we don't charge a monthly fee for our current account
Online account transfer service - we move your regular payments for you
Independently rated 5 star by Defaqto: for the 5th year in a row
Internet banking: a simple and convenient way to manage your money
More rewarding banking
Use FlexAccount as your main current account, and you could get access to a range of exclusive offers and discounts (subject to eligibility and conditions).
To make FlexAccount your main account, all you have to do is
Pay in £750 per month or more for three months, or
Successfully complete our account transfer service †
Notes
Nationwide FlexAccount Travel Cover is subject to eligibility, and conditions and exclusions apply. It is provided by UK Insurance Limited.
*£80 valuation is based on the cost of covering joint FlexAccount holders with the equivalent travel insurance product currently available through Nationwide.
† For the free Travel Cover a main FlexAccount is defined as: a FlexAccount with a Visa debit card (not a cash card+) where you have completed an account transfer by using our Account Transfer Service. To maintain this offer, you must then credit at least £750 per month into your FlexAccount (excluding internal transfers). You need to be 18 or over to apply for a FlexAccount with a Visa debit card.
For a £10 monthly fee (£120 per year) our Reward Current Account offers everything you would expect from your current account, plus over £500 of benefits each year. And if you pay in at least £1,000 each month you will also get 5% AER (fixed) for 12 months up to £2,500 (see note 1).
The Account Benefits
Annual worldwide family travel insurance – including winter sports;
RAC breakdown cover in the UK – including national recovery and cover at home;
Identity protection – including up to £50,000 of insurance cover to help reclaim your identity, after identity theft;
Card loss assistance – assistance if your cards are lost or stolen;
Key protection – up to £1,500 for replacement locks and keys if your keys are lost or stolen;
Personal loan deals;
Commission-free travel money – free delivery (minimum order £300).
Note 1: We will not pay you interest on any amount over £2,500, or on your whole balance if you do not make the required monthly payments of £1,000. Our preferential interest rate is only paid out if you pay in £1,000 per month. Please note this is not a calendar month, it is in the month from the date of your account being opened. For example, if your account was opened on the 7th, you must pay £1,000 in each month between the 7th and 6th of the following month, every month to qualify.
Rates and information correct as at 9th January 2012.
Bank accounts built around you
When it comes to everyday banking, one size doesn't fit all. Which is why our current accounts with added benefits offer you complete control, flexibility and plenty of choice. You’ll continue to get all the essentials you’d expect – plus exclusive benefits.
For a £20 monthly fee (£240 per year) our Premium Current Account offers everything you would expect from your current account, plus over £850 of benefits each year. And if you pay in at least £1,000 each month you will also get 5% AER (fixed) for 12 months up to £2,500 (see note 1).
The Account Benefits
Annual worldwide family travel insurance – including winter sports;
Health Benefits from AXA PPP healthcare;
RAC breakdown cover in the UK – including national recovery and cover at home;
Mobile phone insurance – worldwide cover against loss, theft, breakdown and damage;
Identity protection – including up to £50,000 insurance cover to help reclaim your identity after identity theft;
Card loss assistance – assistance if your cards are lost or stolen;
Key protection – up to £1,500 for replacement locks and keys if your keys are lost or stolen;
Legal assistance;
Online will writing service;
Airport Angel;
Concierge;
Commission free travel money – free delivery (minimum order £300).
Note 1: We will not pay you interest on any amount over £2,500, or on your whole balance if you do not make the required monthly payments of £1,000. Our preferential interest rate is only paid out if you pay in £1,000 per month. Please note this is not a calendar month, it is in the month from the date of your account being opened. For example, if your account was opened on the 7th, you must pay £1,000 in each month between the 7th and 6th of the following month, every month to qualify.
Rates and information correct as at 9th January 2012.
We understand that starting college or university can be both an exciting and challenging time. That’s why our Student Account is packed with everything you need to make the most of your time at university. From an Interest and fee-free tiered Planned Overdraft of up to £1,500 (subject to application and approval),
to a range of great discounts including a YHA membership for three years, Mobile Banking plus more. Our Student Account is the perfect way to prepare for the road ahead./>
Features & Benefits
With the Lloyds TSB Student Account we offer:
Up to £1,500 interest and fee-free tiered Planned Overdraft* in years one to three, and up to £2,000 in years four to six (subject to application and status).
Discounts and offers to make the most of your student life: free YHA membership for three years and 40 free music downloads plus a free LAVA mini-speaker (subject to availability) from eMusic.
A Lloyds TSB Visa debit card.
A Lloyds TSB Student MasterCard Credit Card – to help you spread your costs, typical 19.9% APR variable and a minimum limit of £500 (subject to application and status).*
Internet Banking, Mobile Banking and PhoneBank.
Mobile phone top up facility for pay-as-you-go phones at most Lloyds TSB Cashpoint® machines.
Mobile Banking. Our free Mobile Banking service enables you to use your phone to help keep you in control of your finances. Mobile Banking includes a range of Text Message Services including Weekly Balance Alerts to help you keep in touch with your money wherever you are. We offer Mobile Banking for free but your mobile operator may charge for certain services, so please check with them.
Option to sign up for Save the Change®.
Commission-free foreign currency and non-sterling Travellers Cheques.
£10 overdraft buffer. No overdraft fees or interest to pay if you go overdrawn (either Planned or Unplanned) by £10 or less.
Grace period if you go over your limit. You have until 3.30pm (UK Time) to pay in enough money to avoid any overdraft fees you may incur that day. The money needs to be immediately available to use, so you could transfer money from another personal account you have with us via Mobile Banking, Internet Banking or Telephone Banking or pay in cash over the counter in branch.
HSBC Advance is a bank account that offers day-to-day banking services, making it quick and easy for you to make the most of your money. But it also comes with a range of benefits, including Travel Insurance, Breakdown Assistance and Life Cover, worth up to £500 as well as exclusive discounts on leisure and travel deals.
HSBC Advance is available for £6 a month for the first three months from account opening, after which you will pay the full monthly price, currently £12.95. HSBC Advance has an initial 12 month contract and is then renewable monthly.
And HSBC Advance isn't just about helping you with your finances. It provides you with preferential rates and terms on a range of financial products, as well as exclusive discounts on leisure and travel deals.
Key features and benefits
8% AER/gross preferential rate on our Regular Saver - Enjoy a preferential rate fixed for 12 months. You can save from £25 to £250 in the first month, then make regular payments up to the maximum monthly balance. The maximum balance starts at £250 in month one and then increases by £250 each month thereafter. Interest is calculated daily and paid when your account matures. No partial withdrawals are allowed during the fixed rate period.
Worldwide Travel Insurance for customers aged up to the age of 70, provided by Aviva Insurance UK Limited.¥
Roadside Breakdown Assistance 24 hours a day for eligible vehicles less than 15 years old. Provided by the Mondial Assistance Europe N V. and administered by Mondial Assistance (UK) Limited.¥
Life Cover/Accidental Death benefit with £3000 benefit provided by HSBC Life (UK) Limited.§
24/7 Identity Theft Assistance with red24 - Immediate safety advice and ID theft assistance by phone, for help in any situation or emergency.
Preferential mortgage terms. Your home may be repossessed if you do not keep up repayments on your mortgage.
HSBC Advance Visa Debit Card - cash withdrawals abroad free of HSBC ATM transaction fees.**
Travel and leisure discounts.
Text and Mobile Banking on the move.
Our Guaranteed hassle-free switching service
Automatic transfer of your Direct Debits and standing orders to your HSBC account.
Guaranteed delivery of your HSBC debit card and cheque book (if requested) within five working days and your PIN within seven - either to your home address or to your chosen HSBC branch - or we'll give you £10.
With our switching service , we can offer you an interest and charge free overdraft for up to three months taking into account your existing Direct Debits and standing orders subject to our usual credit assessment criteria.
If you don't want an overdraft or one isn't available, we'll refund any charges or interest you've had to pay us due to a delay or mistake made during the switching process.
Your old bank should, within a reasonable time, refund any charges or interest that you had to pay to the old bank due to a delay or mistake made during the switching process.
For the third year running, the independent organisation Defaqto gave Advantage Gold their 5 Star rating for product features, benefits and charges (February 2011).
Benefits worth up to £713 for just £12.95 a month including:
Car breakdown cover - even on your driveway
Mobile phone insurance - including iPhones
Travel benefits - includes up to 60% off selected hotels
Annual world wide travel insurance - includes winter sports
Protection benefits - Feel reassured knowing you have identity theft protection and extended warranty cover
Overdraft (subject to eligibility) - extra breathing space for your finances
Visa debit card – worldwide acceptance with added online security protection
Standing order and direct debits – helping you pay bills easily
Cheque book – for added flexibility
Personal loans overdrafts and mortgages at tailored rates
Savings at tailored rates
Credit Cards - get an initial 1% discount on APR for at least 12 months
For the third year running, the independent organisation Defaqto gave Royalties Gold their 5 Star rating for product features, benefits and charges (February 2011).
Benefits worth up to £933 for just £12.95 a month – including:
Mobile phone insurance, including iPhones
Green Flag car breakdown cover for on the road or your driveway
Go on holiday for less with up to 60% off at thousands of hotels
Travel - 5 star Defaqto rated UK & worldwide multi-trip travel insurance and holiday discounts.
UK airport executive lounges - complimentary access to selected UK lounges, including Heathrow, Gatwick, Manchester, Edinburgh and Glasgow. Available when you book travel through Royalties Travel Booking Service (a Royalties Gold extra benefit).
Travel money - Preferential exchange rates and complimentary delivery on commission-free travel currency - when you order through Royalties Membership Services.
Up to £500 Home emergency cover with a 24 hour helpline for assistance
Entertainment - 25% cash-back (up to 6 tickets per event) selected concerts, events, shows and more - when you book through Royalties Membership Services (subject to availability).
Banking - a mortgage offer and preferential rates on overdrafts, tailored rates loans and credit cards. Plus cover if your debit or credit cards are lost or stolen.
Royalties Saver Account - an instant access savings account offering preferential rates for Royalties Gold customers. A minimum deposit of £2,000 is require to open a Royalties Saver Account
Our Royalties Guarantee
With our Royalties Guarantee in the unlikely event that you are not satisfied with the benefits in the first 60 days of account opening you will be entitled to a refund of all account fees that you have paid.
A current account with a great interest rate.
Now that really is a headline.
Get up to 4% AER variable with Vantage.
Make your money work harder for you by adding Vantage to our Classic or Added Value current accounts. Vantage offers competitive, tiered interest rates so the bigger your balance, up to £7,000, the harder your money will work for you and the higher interest you’ll earn.
Features & Benefits
The bigger your balance, up to £7,000, the higher the interest you’ll earn. There’s no additional cost – to earn Vantage interest rates. All you need to do is, stay in credit during the monthly billing period, and pay in at least £1,000, for example your salary, each calendar month.
If you do not meet both of the Vantage conditions we will not pay interest on the amount in your account for that month. We also do not pay interest on amounts above £7,000.
It’s simple to manage, once you’ve upgraded, Vantage gives you the opportunity to earn high interest without having to manage multiple accounts and move money around during the month.
Our current accounts with Vantage pay up to 4.00% AER (3.93% Gross). Rates are tiered, paid monthly and variable 0.10% AER/Gross interest is paid on balances up to £1,000 and you can earn up to 4.00% AER on your whole balance if you keep between £5,000 and £7,000 in your account and meet the Vantage conditions stated above. For other account balances the rate varies depending on how much is in your account.
Our Silver Account gives you benefits worth up to £249 a year and includes European Travel Insurance up to 65 years of age, AA Breakdown Cover, Mobile Phone Insurance and lots more. After paying the monthly fee of £7.95, you could make savings of up to £153 each year.
Features & Benefits
European Travel Insurance up to 65 years of age* - 5 star Defaqto† cover for you and your partner for up to 22 days per trip.
AA Breakdown Cover - UK Roadside Assistance whether you’re in your own car or someone else’s.
Mobile Phone Insurance - worldwide cover for loss, theft, accidental damage, breakdown and unauthorised calls.
Get 4.00 AER variable (3.93% Gross) interest for balances from £5,000 up to £7,000 on your Silver Account by adding vantage to your account.
Sentinel® Card Protection - convenient cover for your credit, debit and store cards. One policy covers everyone in your household.
The Lloyds TSB Airmiles Travel Service - collect Airmiles or enjoy a 6.5% discount.
Lloyds TSB Visa debit card you can use in over 500,000 places in the UK and 27 million outlets worldwide.
Manage your money 24 hours a day with access to PhoneBank® on 0845 3 000 000 and Internet Banking and Mobile Banking.
£10 overdraft buffer No overdraft fees or interest to pay if you go overdrawn (either Planned or Unplanned) by £10 or less.
Grace Period if you go over your limit. You have until 3.30pm (UK Time) to pay in enough money to avoid any overdraft fees you may incur that day. The money needs to be immediately available to use, so you could transfer money from another personal account you have with us via Mobile Banking, Internet Banking or Telephone Banking or pay in cash over the counter in branch.
Switching to us is easy - We can take the stress out of changing your bank account by helping to move Direct Debits and standing orders from any existing accounts to your Lloyds TSB current account.
The Gold Account offers a range of great money saving benefits which are worth up to £420 a year. You'll enjoy Worldwide and UK Travel Insurance, AA Breakdown Cover, Mobile Phone Insurance and much more. After paying the monthly fee of £12, you could make savings of up to £276 each year.
Features & Benefits
Worldwide and UK Travel Insurance* - 5 star Defaqto† rated cover for you and your partner for up to 31 days per trip.
Mobile Phone Insurance - worldwide cover for loss, theft, breakdown, accidental damage and unauthorised calls.
AA Breakdown Cover - roadside assistance whether you're in your own car or someone else's.
Save My NumbersTM - store all your important phone numbers and contact details securely.
Get up to 4.00% AER variable (3.93% Gross) interest paid monthly for balances up to £7,000 on your Gold Account by adding vantage to your account.
£100 interest-free planned overdraft**. (Subject to application and approval).
£10 overdraft buffer. No overdraft fees or interest to pay if you go overdrawn (either Planned or Unplanned) by £10 or less. This £10 buffer is in addition to the interest and fee-free overdraft as part of your Gold Account.
Grace period if you go over your limit. You have until 3.30pm (UK Time) to pay in enough money to avoid any overdraft fees you may incur that day. The money needs to be immediately available to use, so you could transfer money from another personal account you have with us via Mobile Banking, Internet Banking or Telephone Banking or pay in cash over the counter in branch.
Switching to us is easy - we'll help move your salary, direct debits and standing orders so joining us is as easy as possible.
Sentinel® Card Protection - convenient cover for your credit, debit and store cards. One policy covers everyone in your household.
The Lloyds TSB Airmiles Travel Service upgrade - collect Airmiles or enjoy a 6.5% discount.
A VISA debit card you can use in over 500,000 places in the UK and 18 million outlets worldwide.
24 hour banking with access to PhoneBank® on 0845 3 000 000, Internet Banking and Mobile Banking.
The Platinum Account provides you with extensive levels of cover and protection. Enjoy a wide range of money saving benefits from household names such as AXA and the AA. With a monthly fee of £17 your benefits are worth up to £703 a year.
Features & Benefits
Worldwide and UK Travel Insurance* - 5 star Defaqto† rated protection for up to 45 days per trip. Choose from Family or Winter sports cover.
AA Breakdown Cover - including Roadside Assistance, Relay and Home Start.
Mobile Phone Insurance - for loss, theft, accidental damage and unauthorised calls.
Save My NumbersTM - store all your important phone numbers and contact details securely.
Choose from Airport Lounge Access or Airport Meet and Greet service upgrade - for a relaxing start to your holiday.
Get up to 4.00% AER variable (3.93% Gross) interest paid monthly for balances up to £7,000 on your Platinum account by adding vantage to your account.
£250 interest and fee-free planned overdraft** (subject to application and approval).
£10 overdraft buffer. No overdraft fees or interest to pay if you go overdrawn (either Planned or Unplanned) by £10 or less. This £10 buffer is in addition to the interest and fee-free overdraft as part of your Platinum Account.
Grace Period if you go over your limit. You have until 3.30pm (UK Time) to pay in enough money to avoid any overdraft fees you may incur that day. The money needs to be immediately available to use, so you could transfer money from another personal account you have with us via Mobile Banking, Internet Banking or Telephone Banking or pay in cash over the counter in branch.
Switching to us is easy - we'll help to move your salary, direct debits and standing orders so joining us is as easy as possible.
Sentinel® Card Protection - convenient cover for your credit, debit and store cards. One policy covers everyone in your household.
The Lloyds TSB AIRMILES Travel Service - collect Airmiles or claim a 6.5% discount.
A VISA debit card you can use in over 500,000 places in the UK and 18 million outlets worldwide.
Preferential charges when you make purchases abroad using your Lloyds TSB Platinum Visa debit card.
24 hour banking with access to PhoneBank® on 0845 3 000 000 and Internet Banking and Mobile Banking.
The Premier Account is the very best current account that we offer. In fact, it's so good it's been awarded a 5 Star Rating from Defaqto† - leading independent financial researchers. The Premier Account includes a wide range of benefits worth up to £1,127 a year for a monthly fee of £25.
Features & Benefits
Worldwide and UK Travel Insurance - for 62 days per trip with both Family and Winter sports cover.
AA Breakdown Cover - including Roadside Assistance, Home Start, Relay and Stay Mobile.
Mobile Phone Insurance - worldwide cover for loss, theft, accidental damage, breakdown and unauthorised calls.Cover up to three phones on a joint account.
Home Emergency Cover - fast professional help for household emergencies.
ID Aware - helps you manage and monitor your credit profile and spot the early warning signs of identity theft.
Save My NumbersTM - store all your important phone numbers and contact details securely.
Get 4.00% AER variable (3.93% Gross) interest paid monthly for balances up to £7,000 on your Premier Account by adding vantage to your account.
£500 interest and fee-free planned overdraft*** (subject to application and approval).
Sentinel® Card Protection - convenient cover for your credit, debit and store cards. One policy covers everyone in your household.
The Lloyds TSB Airmiles Travel Service - collect Airmiles or enjoy a 7.5% discount.
A VISA debit card you can use in over 500,000 places in the UK and 18 million outlets worldwide.
Preferential charges when you make purchases abroad using your Lloyds TSB Premier Visa debit card.
Preferential share dealing.
24 hour banking with access to PhoneBank® on 0845 3 000 000, Internet Banking and Mobile Banking.
You need to register for Internet, PhoneBank® and Mobile Banking. Terms and conditions apply.
Basic Accounts in United Kingdom
As at December 2010, there are 7.8 million basic accounts designed for people who might not meet the banks’ criteria for opening a standard current account or who want to ensure that they cannot overdraw their account.
Account features typically include the ability for payments, eg pensions and benefits, to be credited directly to the account, for withdrawals by plastic card through cash machines, and the facility to pay bills
by direct debit, though they do not offer overdraft facilities nor, in many cases, a cheque book.
Basic accounts are regarded as a convenient stepping stone to fuller-featured accounts for people without previous banking relationships. As part of customer relationship management, banks will, when appropriate or
on customer request, present options to move from a basic account to other accounts, eg a current account. Since April 2003, 508,000 basic bank accounts have been upgraded to more fully-featured accounts.
500,852 basic bank accounts have been opened in 2009, a decrease of 7.64% or 41,406 accounts compares to 542,258 basic bank accounts in 2008.
Safe and secure online application with SSL encryption technology.
All card applications are strictly confidential.