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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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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 3.00% tax free/AER variable which includes a fixed introductory bonus of 2.75% for 12 months from the date of account opening, for accounts opened from 5th March 2012. 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 4.50% 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.
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.
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 3.00% tax free/AER variable which includes a fixed introductory bonus of 2.75% for 12 months from the date of account opening, for accounts opened from 5th March 2012. 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 4.50% 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 up to 3.10% AER tax-free until 30 September 2013*
*Balances of £1,000+ earn an introductory fixed rate until 30 September 2013. After this date the rate reverts to 1.00% AER tax-free variable. 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
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.
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.
Save when you spend
with cashback on your household bills
+
Save when you don't
with interest on your balance
Cashback on household bills
1% Cashback on water and council tax bills
Including Thames Water, Severn Trent, Southern Water, Anglian Water, Yorkshire Water and many more, plus all council tax local authorities.
2% Cashbackon gas and electricity bills
Including British Gas, SSE, EDF Energy, E.ON and npower and many more.
3% Cashback on mobile, home phone, broadband and paid for TV packages
Including Sky, Virgin, BT, Talk Talk, Plusnet, Orange, O2, Vodafone and Three and many more.
Household bills exclude TV licence, maintenance/insurance contracts and commercial usage.
Interest on your balance
1% AER(variable) Interest on balances over £1,000
2% AER(variable) Interest on balances over £2,000
3% AER(variable) Interest on balances over £3,000(up to a maximum of £20,000)
Additional features
A free Arranged Overdraft for 4 months when you switch to us using our dedicated switcher service (depending on circumstances) see representative example.
Visa debit card* a quick & secure method of purchasing goods & services at home and abroad.
What you need to do
Pay a monthly account fee of £2, which will be taken automatically from your account each month.
Fund the account with £500 a month (a minimum balance of £1,000 is required to receive interest)
Set up a minimum of two Direct Debits. To benefit from cashback, household bills must be paid by Direct Debit.
To apply you need to be aged over 18 and live permanently in the UK.
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.
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.
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.
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.
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.