Interest Rates
These rates apply to our personal savings accounts. Previous rates are also available.
The rates shown here apply where interest is paid annually, quarterly or at the end of the term (as shown) - a monthly income option is available on some products at slightly lower rates.
You can either browse through all the rates using the scroll bar or click on the account you're interested in below.
You can also view personal monthly rates.
Variable Rates
Bank of Scotland Exclusive Saver
Bank of Scotland Internet Saver
Bank of Scotland Incentive Saver
Bank of Scotland Access Cash ISA
Halifax Premium Savings Direct
Instant Access Savings Account
Variable Rate Halifax ISA Saver
Variable Rate Halifax Web Saver
Halifax Guaranteed Saver Reward
Fixed Rates
Bank of Scotland Fixed Rate Bond
Bank of Scotland Fixed Cash ISA
Bank of Scotland Monthly Saver
UK annual rates: Rates of interest are subject to change but are correct as at 12 September 2011.
| Interest tiers | Annual interest | |
|---|---|---|
| Gross/AER | Net | |
| £1+ | 2.00% | 1.60% |
| Interest tiers | Annual interest | |
|---|---|---|
| Gross/AER | Net | |
| £1+ | 0.50% | 0.40% |
Find out more about an Access Saver.
for an Access Saver.
Bank of Scotland Exclusive Saver
UK annual rates: Rates of interest are subject to change but are correct as at 12 September 2011.
| Interest tiers | Annual interest | Monthly interest | |||
|---|---|---|---|---|---|
| Gross/AER | Net | Gross | AER | Net | |
| £1+ | 2.25% | 1.80% | 2.23% | 2.25% | 1.78% |
| Interest tiers | Annual interest | Monthly interest | |||
|---|---|---|---|---|---|
| Gross/AER | Net | Gross | AER | Net | |
| £1+ | 0.50% | 0.40% | 0.48% | 0.50% | 0.38% |
Find out more about an Exclusive Saver.
for an Exclusive Saver.
Bank of Scotland Internet Saver
UK annual rates: Rates of interest are subject to change but are correct as at 12 September 2011.
| Interest tiers | Annual interest | |
|---|---|---|
| Gross/AER | Net | |
| £1+ | 2.80% | 2.24% |
| Interest tiers | Annual interest | |
|---|---|---|
| Gross/AER | Net | |
| £1+ | 0.10% | 0.08% |
Find out more about an Internet Saver.
for an Internet Saver.
Bank of Scotland Incentive Saver
UK annual rates: Rates of interest are subject to change but are correct as at 3 October 2011.
| Interest tiers | Monthly interest | ||
|---|---|---|---|
| Gross | AER | Net | |
| £1 - £30,000 | 2.47% | 2.50% | 1.98% |
| £30,000+ | 0.00% | 0.00% | 0.00% |
UK annual rates: Rates of interest are subject to change but are correct as at 12 September 2011.
| Interest tiers | Quarterly interest | ||
|---|---|---|---|
| Gross | AER | Net | |
| £1+ | 1.99% | 2.00% | 1.59% |
Find out more about a Young Saver.
Bank of Scotland Access Cash ISA
UK annual rates: Rates of interest are subject to change but are correct as at 5th March 2012.
| Interest tiers | Annual interest |
|---|---|
| Tax free/AER | |
| £1+ | 2.75% |
| Interest tiers | Annual interest |
|---|---|
| Tax free/AER | |
| £1+ | 0.50% |
Find out more about an Access Cash ISA.
for an Access Cash ISA.
Junior Cash ISA
UK annual rates. Rates of interest are subject to change but are correct as at 13th February 2012.
| Interest tiers | Annual interest |
| Tax free/AER variable | |
| £1+ | 3.00% |
Find out more about a Junior Cash ISA.
UK annual rates: Rates of interest are subject to change but are correct as at 1st March 2009
|
Balance |
Gross |
AER |
Net |
|
£100,000+ |
0.15% |
0.15% |
0.12% |
|
£50,000+ |
0.10% |
0.10% |
0.08% |
|
£25,000+ |
0.10% |
0.10% |
0.08% |
|
£10,000+ |
0.10% |
0.10% |
0.08% |
|
£5,000+ |
0.10% |
0.10% |
0.08% |
|
£500+ |
0.10% |
0.10% |
0.08% |
From 5 April 2009 this account is no longer available to new customers. If you have a Halifax 60 Day Gold and would like a copy of your conditions please ask a member of staff in any of our branches.
UK annual rates: Rates of interest are subject to change but are correct as at 1st October 2009
|
Balance |
Gross incl. conditional bonus |
AER |
AER excl. conditional bonus |
Net incl. conditional bonus |
|
£100,000+ |
0.40% |
0.40% |
0.15% |
0.32% |
|
£50,000+ |
0.35% |
0.35% |
0.10% |
0.28% |
|
£25,000+ |
0.35% |
0.35% |
0.10% |
0.28% |
|
£10,000+ |
0.35% |
0.35% |
0.10% |
0.28% |
|
£5,000+ |
0.35% |
0.35% |
0.10% |
0.28% |
From 5 April 2009 this account is no longer available to new customers. If you have a Halifax Bonus Gold and would like a copy of your conditions please ask a member of staff in any of our branches.
UK annual rates: Rates of interest are subject to change but are correct as at 1st October 2009
|
Balance |
Gross |
AER |
Net |
|
£100,000+ |
0.20% |
0.20% |
0.16% |
|
£50,000+ |
0.17% |
0.17% |
0.14% |
|
£25,000+ |
0.15% |
0.15% |
0.12% |
|
£10,000+ |
0.13% |
0.13% |
0.10% |
|
£5,000+ |
0.13% |
0.13% |
0.10% |
|
£500+ |
0.10% |
0.10% |
0.08% |
From 11th March 2010 this account is no longer available to new customers. If you have a Halifax Extra Income Saver and would like a copy of your conditions please ask a member of staff in any of our branches.
UK annual rates: Rates of interest are subject to change but are correct as at 1st February 2009
| Balance | Gross | AER | Net |
|
£100,000+ |
0.10% |
0.10% |
0.08% |
|
£50,000+ |
0.10% |
0.10% |
0.08% |
|
£25,000+ |
0.10% |
0.10% |
0.08% |
|
£10,000+ |
0.10% |
0.10% |
0.08% |
|
£5,000+ |
0.10% |
0.10% |
0.08% |
|
£500+ |
0.10% |
0.10% |
0.08% |
|
£50+ |
0.10% |
0.10% |
0.08% |
From 10 September 2011 this account is no longer available to new customers.
UK annual rates for accounts opened after 1st August 2011: Rates are subject to change but are correct as at 1st August 2011.
|
Balance |
Tax-free |
AER |
|
£1+ |
2.60% |
2.60% |
From 10 September 2011 this account is no longer available to new customers.
UK annual rates: Rates of interest are subject to change but are correct as at 1st April 2009
|
Balance |
Tax-free |
AER |
|
£1+ |
0.50% |
0.50% |
From 10 September 2011 this account is no longer available to new customers.
The Halifax ISA Saver Direct is not available to open whilst a Halifax ISA Direct Reward is on offer.
For former Solid Gold customers, annual interest paid on 1st February (in line with previous interest payment date).
UK annual rates: Rates of interest are subject to change but are correct as at 1st October 2009
|
Balance |
Gross |
AER |
Net |
|
£500+ |
0.05% |
0.05% |
0.04% |
|
£50+ |
0.05% |
0.05% |
0.04% |
From 10 September 2011 this account is no longer available to new customers.
Monthly interest is only available to former Solid Gold customers who previously received monthly interest.
Halifax Premium Savings Direct
UK annual rates: Rates of interest are subject to change but are correct as at 1st March 2009
|
Balance |
Gross |
AER |
Net |
|
£250,000+ |
0.20% |
0.20% |
0.16% |
|
£100,000+ |
0.18% |
0.18% |
0.14% |
|
£50,000+ |
0.16% |
0.16% |
0.13% |
|
£25,000+ |
0.14% |
0.14% |
0.11% |
|
£5,000+ |
0.12% |
0.12% |
0.10% |
|
£500+ |
0.11% |
0.11% |
0.09% |
| £50+ | 0.10% | 0.10% | 0.08% |
From 11th March 2010 this account is no longer available to new customers. If you have a Halifax Premium Savings Direct and would like a copy of your conditions please ask a member of staff in any of our branches.
UK annual rates: Rates of interest are subject to change but are correct as at 1st October 2009
| Number of withdrawals | ||||
| 0-3 | 4+ | |||
| Gross / AER | Net | Gross / AER | Net | |
| £100,000+ |
0.18% |
0.14% |
0.05% |
0.04% |
| £50,000+ |
0.15% |
0.12% |
0.05% |
0.04% |
| £25,000+ |
0.13% |
0.10% |
0.05% |
0.04% |
| £10,000+ |
0.10% |
0.08% |
0.05% |
0.04% |
|
£5,000+ |
0.10% |
0.08% |
0.05% |
0.04% |
| £500+ |
0.10% |
0.08% |
0.05% |
0.04% |
| £50+ |
0.10% |
0.08% |
0.05% |
0.04% |
From 1st October 2010 this account is no longer available to new customers. If you have a Halifax Saver Reward account and would like a copy of your account conditions please ask a member of staff in any of our branches.
UK annual rates: Rates of interest are subject to change but are correct as at 1st August 2011.
| Balance | AER | Net |
|---|---|---|
| £1+ | 2.80% | 2.24% |
From 10 September 2011 this account is no longer available to new customers.
UK annual rates: Rates of interest are subject to change but are correct as at 15th August 2011
|
Balance |
Gross |
AER |
Net |
|
£1+ |
2.30% |
2.30% |
1.84% |
From 10 September 2011 this account is no longer available to new customers.
Special rate available on Halifax Liquid Gold, Halifax 60 Day Gold, Halifax Bonus Gold, Halifax Instant Saver and Halifax Saver Reward accounts for under 21s. Interest is paid at the special rate or at the tiered rate of interest (whichever is the higher).
UK annual rates: Rates of interest are subject to change but are correct as at 1st October 2009
| Balance | Gross | AER | Net |
| £1+ |
0.50% |
0.50% |
0.40% |
From 10 September 2011 this account is no longer available to new customers.
Instant Access Savings Account
UK annual rates: Rates of interest are subject to change but are correct as at 1st April 2009
| Balance | Gross | AER | Net |
|
£1,000,000+ |
0.60% |
0.60% |
0.48% |
|
£1+ |
0.50% |
0.50% |
0.40% |
From 10 September 2011 this account is no longer available to new customers.
UK annual rates: Rates of interest are subject to change but are correct as at 1st January 2008
| Balance | Gross | AER | Net |
|
£1,000+ |
0.10% |
0.10% |
0.08% |
From 10 September 2011 this account is no longer available to new customers.
UK annual rates: Rates of interest are subject to change but are correct as at 1st April 2009
| Balance | Gross | AER | Net |
| £1+ |
1.05% |
1.05% |
0.84% |
From 10 September 2011 this account is no longer available to new customers.
Variable Rate Halifax ISA Saver
UK annual rates: Rates of interest are subject to change but are correct as at 1st October 2009
|
Balance |
Tax Free |
AER |
|
£27,000+ |
0.20% |
0.20% |
|
£24,000+ |
0.13% |
0.13% |
|
£21,000+ |
0.13% |
0.13% |
|
£18,000+ |
0.10% |
0.10% |
|
£12,000+ |
0.10% |
0.10% |
|
£3,000+ |
0.10% |
0.10% |
|
£1+ |
0.10% |
0.10% |
From 10 September 2011 this account is no longer available to new customers.
Variable option with cash card
UK annual rates: Rates of interest are subject to change but are correct as at 1st April 2009
|
Balance |
Gross |
AER |
Net |
|
£1+ |
0.25% |
0.25% |
0.20% |
From 10 September 2011 this account is no longer available to new customers.
Variable option without cash card
UK annual rates: Rates of interest are subject to change but are correct as at 1st April 2009
| Balance | Gross |
AER |
Net |
|
£25,000+ |
0.20% |
0.20% |
0.16% |
|
£5,000+ |
0.15% |
0.15% |
0.12% |
|
£1+ |
0.10% |
0.10% |
0.08% |
From 10 September 2011 this account is no longer available to new customers.
UK annual rates: Rates of interest are subject to change but are correct as at 1st August 2011.
| AER | Net | |
|---|---|---|
| £1+ | 2.00% | 1.60% |
View our previous Guaranteed Saver Reward interest rates.
From 10 September 2011 this account is no longer available to new customers.
UK annual rates: Rates of interest are subject to change but are correct as at 1st November 2010
| AER | Net | |
|---|---|---|
| £1+ | 0.50% | 0.40% |
From 10 September 2011 this account is no longer available to new customers.
Bank of Scotland Fixed Rate Bond
UK annual rates: Rates of interest are subject to change but are correct as at 1 May 2012.
| Term | Deposit amount | Annual interest | Monthly interest | |||
| Gross/AER | Net | Gross p.a. | AER p.a. | Net p.a. | ||
| 6 month | £2,000+ | 1.00% | 0.80% | 1.00% | 1.00% | 0.80% |
| 1 year | £2,000+ | 2.40% | 1.92% | 2.37% | 2.40% | 1.90% |
| 2 year | £2,000+ | 3.50% | 2.80% | 3.45% | 3.51% | 2.76% |
| 3 year | £2,000+ | 3.60% | 2.88% | 3.54% | 3.60% | 2.83% |
Find out more about a Fixed Rate Bond.
for a Fixed Rate Bond.
Bank of Scotland Fixed Cash ISA
UK annual rates: Rates of interest are subject to change but are correct as at 5th March 2012.
| Term | Deposit amount | Annual interest |
| tax free/AER | ||
| 1 year | £3,000+ | 3.15% |
| 2 year | £3,000+ | 3.40% |
Find out more about a Fixed Cash ISA.
for a Fixed Cash ISA.
Bank of Scotland Monthly Saver
UK annual rates: Rates of interest are subject to change but are correct as at 15 December 2011.
| Interest tiers | Annual interest | |
|---|---|---|
| Gross/AER | Net | |
| £25+ | 3.25% | 2.60% |
Find out more about a Monthly Saver.
for a Monthly Saver.
IMPORTANT: The conditions for your account explain when we pay interest on money paid into, and taken out of, your account. Click for details of account charges.
Please ask at any of our branches for copies of the Deposit Account conditions and the other conditions that apply to the accounts shown. The account conditions include details of how we may change them, the interest rates and any charges for your account.
Some accounts can only be opened by individuals. Different rates apply for some non-personal accounts and for accounts held by those non-resident in the UK for tax purposes.
The interest rates and other information shown are correct as at the dates shown in the tables and may change under the account conditions.
*The base rate is the rate published by the Bank Of England in connection with it's open money market operations.
** Although following an increase in base rate there will be a time when this will not apply, but this will never be longer than one month.
We offer a selection of accounts that give you the option of having your interest paid monthly, at a slightly lower rate than the annual rates. Previous rates are also available.
Instant Access Savings Account
Halifax Premium Savings Direct
The AER shown for each account is the Annual Equivalent Rate.
Instant Access Savings Account
UK monthly rates: Rates of interest are subject to change but are correct as at 1st April 2009
| Balance | Gross p.a. | AER | Net p.a. |
|
£1,000,000+ |
0.60% |
0.60% |
0.48% |
|
£1+ |
0.50% |
0.50% |
0.40% |
From 10 September 2011 this account is no longer available to new customers.
Halifax Premium Savings Direct
UK monthly rates: Rates of interest are subject to change but are correct as at 1st March 2009
| Balance | Gross p.a. | AER | Net p.a. |
|
£250,000+ |
0.20% | 0.20% | 0.16% |
|
£100,000+ |
0.18% | 0.18% | 0.14% |
|
£50,000+ |
0.16% | 0.16% | 0.13% |
|
£25,000+ |
0.14% | 0.14% | 0.11% |
|
£5,000+ |
0.12% | 0.12% | 0.10% |
|
£500+ |
0.11% | 0.11% | 0.09% |
From 11th March 2010 this account is no longer available to new customers. If you have a Halifax Premium Savings Direct and would like a copy of your conditions please ask a member of staff in any of our branches.
UK monthly rates: Rates of interest are subject to change but are correct as at 1st February 2009
| Balance | Gross p.a. | AER | Net p.a. |
|
£100,000+ |
0.10% |
0.10% |
0.08% |
|
£50,000+ |
0.10% |
0.10% |
0.08% |
|
£25,000+ |
0.10% |
0.10% |
0.08% |
|
£10,000+ |
0.10% |
0.10% |
0.08% |
|
£5,000+ |
0.10% |
0.10% |
0.08% |
|
£500+ |
0.10% |
0.10% |
0.08% |
|
£50+ |
0.10% |
0.10% |
0.08% |
From 1st October 2010 this account is no longer available to new customers. If you have a Halifax Instant Saver account and would like a copy of your account conditions please ask a member of staff in any of our branches.
UK monthly rates: Rates of interest are subject to change but are correct as at 1st October 2009
| Balance | Gross p.a. inc. conditional bonus |
AER incl. conditional bonus |
AER excl. conditional bonus |
Net p.a. inc. conditional bonus |
|
£100,000+ |
0.40% |
0.40% |
0.15% |
0.32% |
|
£50,000+ |
0.35% |
0.35% |
0.10% |
0.28% |
|
£25,000+ |
0.35% |
0.35% |
0.10% |
0.28% |
|
£10,000+ |
0.35% |
0.35% |
0.10% |
0.28% |
|
£5,000+ |
0.35% |
0.35% |
0.10% |
0.28% |
From 5 April 2009 this account is no longer available to new customers. If you have a Halifax Bonus Gold and would like a copy of your conditions please ask a member of staff in any of our branches.
UK monthly rates: Rates of interest are subject to change but are correct as at 1st March 2009
| Balance | Gross p.a. |
AER |
Net p.a. |
|
£100,000+ |
0.15% |
0.15% |
0.12% |
|
£50,000+ |
0.10% |
0.10% |
0.08% |
|
£25,000+ |
0.10% |
0.10% |
0.08% |
|
£10,000+ |
0.10% |
0.10% |
0.08% |
|
£5,000+ |
0.10% |
0.10% |
0.08% |
|
£500+ |
0.10% |
0.10% |
0.08% |
From 5 April 2009 this account is no longer available to new customers. If you have a Halifax 60 Day Gold and would like a copy of your conditions please ask a member of staff in any of our branches.
For former Solid Gold customers, annual interest paid on 1st February (in line with previous interest payment date).
Monthly interest is only available to former Solid Gold customers who previously received monthly interest.
UK monthly rates: Rates of interest are subject to change but are correct as at 1st October 2009
| Balance | Gross p.a. | AER | Net p.a. |
|
£500+ |
0.05% |
0.05% |
0.04% |
|
£50+ |
0.05% |
0.05% |
0.04% |
From 10 September 2011 this account is no longer available to new customers.
UK monthly rates: Rates of interest are subject to change but are correct as at 1st October 2009
| Balance | Gross p.a. | AER | Net p.a. |
|
£1+ |
0.50% |
0.50% |
0.40% |
From 10 September 2011 this account is no longer available to new customers.
UK monthly rates: Rates of interest are subject to change but are correct as at 1st October 2009
| Balance | Gross p.a. | AER | Net p.a. |
|
£100,000+ |
0.20% |
0.20% |
0.16% |
|
£50,000+ |
0.17% |
0.17% |
0.14% |
|
£25,000+ |
0.15% |
0.15% |
0.12% |
|
£10,000+ |
0.13% |
0.13% |
0.10% |
|
£5,000+ |
0.13% |
0.13% |
0.10% |
|
£500+ |
0.10% |
0.10% |
0.08% |
From 11th March 2010 this account is no longer available to new customers. If you have a Halifax Extra Income Saver and would like a copy of your conditions please ask a member of staff in any of our branches.
UK monthly rates: Rates of interest are subject to change but are correct as at 1st January 2008
| Balance | Gross p.a. | AER | Net p.a. |
|
£1,000+ |
0.10% |
0.10% |
0.08% |
From 10 September 2011 this account is no longer available to new customers.
