Earn interest on your savings while still having the flexibility of instant access. You can make as many deposits or withdrawals as you like.

Suitable for savers who:
• Want instant access to their savings
• Want to save as little or as much as they can each month

Not ideal for savers who:
• Want a fixed rate of interest

Cash ISA/Tax Free Accounts

When you open an ISA (Individual Savings Account) you can earn tax-free interest on your savings.

Suitable for savers who:
• Want to earn tax free interest
• For customers who wish to manage their accounts in branch, over the phone or online

Not ideal for savers who:
• Want a flexible, stocks and shares, innovative finance or Lifetime ISA

Notice Accounts/Limited Access Accounts

Limited access accounts are ideal for savers who want to lock their money away for a longer period and earn more interest.

Suitable for savers who:
• Want a higher interest rate and are prepared to put money away for a longer period
• Want to manage the account online, by phone or in our branches (online accounts can be subject to availability)

Not ideal for savers who:
• Want instant access to their savings
• Want a fixed rate of interest

Fixed Rate Bonds

Put your money away for a fixed term and watch your savings grow.

Suitable for savers who:
• Can put money away for a longer period
• Want a fixed rate of interest
• Can often earn a higher rate of interest

Not ideal for savers who:
• Want instant access to their savings
• Want a variable interest rate

Children’s Accounts

It’s never too early to start a savings habit. Help them learn the value of saving their money and watching it grow.

Suitable for savers who:
• Want to start saving for a child’s future

Not ideal for savers who:
• Are 18 years or older

Please note our savings accounts are subject to availability and may not currently include all accounts mentioned within this guide.