Instant Access Account
| Balance range | Proposed rate |
|---|---|
| £0 – £4,999,999.99 million | Base Rate less 1% |
| £5 million – £9,999,999.99 million | Base Rate less 0.50% |
| £10 million + | Base Rate less 0.25% |
There are no limits to deposits or withdrawals, and you can open the account with zero balance if you are waiting for other investments to mature.
Margins below base are guaranteed for a minimum of 12 months and then subject to review.
*This means the interest rate is variable and it will be varied with effect from the next business day following any change to the Base Rate. We will inform you of any changes via email.
Indicative Fixed Term Saving options (as at 22/01/2026):
| Term | Rate basis | Indicative rate |
|---|---|---|
| 6 months | Swap rate less 10bps | 3.510% |
| 12 months | Swap rate less 10bps | 3.406% |
