Personal Savings Accounts

Personal Savings Accounts – to suit your individual needs

We believe in keeping things simple and straightforward, which is why our savings accounts are easy to operate.

Following the Bank of England base rate reduction on November 7th 2024, we are letting you know we will be reducing the interest rates on all of our variable rate savings accounts. You can view a full breakdown of changes to our savings accounts here.

Our current investment rates are shown below and a full investment rates leaflet is available as a download.

Account Type AER%* (Gross)

Online 60 Days' Notice (Issue 3)

  • Only available to open and manage online
  • 60 days’ notice is required for any withdrawal from your account
  • A customer must be at least 18 years old and a UK resident
  • Variable rate of interest paid annually
  • This account is available as a joint account, therefore you can open this account in your name or jointly with one other person
£1,000 - £250,000 4.56 4.56 Online only

Online Instant Access (Issue 3)

  • Only available to open and manage online
  • A customer must be at least 18 years old and a UK resident
  • Variable rate of interest paid annually
  • This account is available as a joint account, therefore you can open this account in your name or jointly with one other person
£100 - £250,000 4.36 4.36 Online only

Online ISA Account (Issue 4)

  • Only available to open and manage online
  • A customer must be at least 18 years old and a UK resident
  • Maximum investment limit for the tax year
  • Variable rate of interest paid annually
£1 - £250,000 4.36 4.36 Online only

45 Days' Notice ISA Account

  • Variable rate of interest paid annually
  • A customer must be at least 18 years old and a UK resident
  • Maximum investment limit for the tax year
  • 45 days’ notice is required for any withdrawal from your account
£1,000 - £250,000 4.30 4.30 Online, in branch and by post

45 Days’ Notice

  • 45 days’ notice required for all withdrawals
  • A customer must be at least 18 years old and a UK resident
  • Variable rate of interest paid annually
  • Available to open via Harpenden Online
  • This account is available as a joint account, therefore you can open this account in your name or jointly with one other person
£1,000 - £250,000 4.15 4.15 Online, in branch and by post

2 Year Fixed Rate Bond (Issue 9)

  • Interest is calculated on a daily basis and added to your account on maturity of the bond
  • You must be at least 18 years old and a UK resident and may only hold one account of this type
  • No withdrawals or early access allowed
£1,000 - £1,000,000 4.01 4.01 Online, in branch and by post

Young Savers

  • Children’s instant access account
  • From birth to 18 years of age
  • Variable rate interest paid half-yearly
 		£1 – £50,000 3.90 3.90 In branch and by post

Triple Access Saver

  • Interest rate of 3.90% Gross PA/AER if 3 or less withdrawals are made per calendar year
  • Interest rate of 1.60% Gross PA/AER if 4 or more withdrawals are made per calendar year
  • Variable rate of interest paid annually
  • Available to open via Harpenden Online
  • This account is available as a joint account, therefore you can open this account in your name or jointly with one other person
£100 – £250,000 3.90/1.60 3.90/1.60 Online, in branch and by post

Triple Access Cash ISA

  • Interest rate of 3.75% Gross PA/AER if 3 or less withdrawals are made per calendar year
  • Interest rate of 1.60% Gross PA/AER if 4 or more withdrawals are made per calendar year
  • A customer must be at least 18 years old and a UK resident
  • Maximum investment limit for the tax year
  • Available to open via Harpenden Online
£1 – £250,000 3.75/1.60 3.75/1.60 Online, in branch and by post

Cash ISA (Issue 2)

  • Instant access cash individual savings account
  • A customer must be at least 18 years old and a UK resident
  • Maximum investment limit for the tax year
  • Variable rate of interest paid annually
  • Available to open via Harpenden Online
 		£1+ 2.25 2.25 Online, in branch and by post

Instant Access (Issue 2)

  • Instant access to your account
  • A customer must be at least 18 years old and a UK resident
  • Variable rate of interest paid annually
  • Available to open via Harpenden Online
  • This account is available as a joint account, therefore you can open this account in your name or jointly with one other person
£100 – £250,000 2.20 2.20 Online, in branch and by post

Notes: This interest rate information should be read in conjunction with the full product information and general terms and conditions for retail savings accounts.

**AER stands for annual equivalent rate and illustrates what the rate would be if interest was paid and compounded once a year. Your tax treatment will depend on your individual circumstances and may be subject to change in the future. The rate of interest payable on variable rate accounts may be subject to change in the future.

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