Personal Previous Rates
These rates apply to our personal savings accounts.
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.
Bank of Scotland Access Cash ISA
Bank of Scotland Instant Access Savings Account
Bank of Scotland Instant Access Savings Account Reward
Halifax Guaranteed Saver Reward
Halifax Premium Savings Direct
Variable Rate Halifax ISA Saver
Variable Rate Halifax Web Saver
The AER shown for each account is the Annual Equivalent Rate.
Previous UK annual rates from 11th September 2011
| Balance | Interest rates |
|---|---|
| £1+ | 2.40% tax free/AER variable including 12 month bonus of 1.90% |
Bank of Scotland Instant Access Savings Account
Previous UK annual rates from 1st March 2009
|
Balance |
Gross |
AER |
Net |
|---|---|---|---|
|
£1,000,000+ |
1.10% |
1.10% |
0.88% |
|
£1+ |
1.00% |
1.00% |
0.80% |
Bank of Scotland Instant Access Savings Account Reward
Bank of Scotland Instant Access Savings Account Reward is a limited offer only available at specific times of the year. Previous Reward details and interest rates are listed below:
Available from 6 May 2008 - 8 July 2008
Available from 10 July 2008 - 10 August 2008
Available from 15 September 2008 - 31 October 2008
Available from 1 November 2008 - 26 November 2008
Available from 15 December 2008 - 30 December 2008
Available from 9 March 2009 - 6 April 2009
Available from 13 July 2009 - 6 September 2009
Available from 7 September 2009 - 8 October 2009
Available from 16 October 2009 - 3 January 2010
Available from 1 June 2010 - 30 September 2010
Available from 1 October 2010 - 31 December 2010
|
Balance |
Annual |
Monthly |
||||
|
|
Gross |
AER |
Net |
Gross pa |
AER |
Net pa |
|
£5,000- £49,999 |
6.20% |
6.20% |
4.96% |
6.03% |
6.20% |
4.82% |
|
£50,000 - £99,999 |
6.25% |
6.25% |
5.00% |
6.08% |
6.25% |
4.86% |
|
£100,000 - £999,999 |
6.30% |
6.30% |
5.04% |
6.13% |
6.30% |
4.90% |
|
£1 million - £5 million |
6.35% |
6.35% |
5.08% |
6.17% |
6.35% |
4.94% |
Minimum balance - £5,000
Withdrawals - 1 withdrawal within the 12 month reward period
Reward conditions - after 12 months or if you make more than 1 withdrawal, account reverts to Bank of Scotland Instant Access Savings Account
From 10 July 2008 - 10 August 2008
|
Balance |
Annual |
Monthly |
||||
|
|
Gross |
AER |
Net |
Gross pa |
AER |
Net pa |
|
£1 - £9,999,999 |
6.50% |
6.50% |
5.20% |
6.31% |
6.50% |
5.05% |
Minimum balance - £1
Withdrawals - 4 withdrawals within the 12 month reward period
Reward conditions - after 12 months or if you make more than 4 withdrawals, account reverts to Bank of Scotland Instant Access Savings Account
From 15 September 2008 - 31 October 2008
|
Balance |
Annual |
Monthly |
||||
|
|
Gross |
AER |
Net |
Gross pa |
AER |
Net pa |
|
£5,000 - £99,999 |
6.00% |
6.00% |
5.20% |
5.84% |
6.00% |
4.67% |
|
£100,000 - £999,999 |
6.30% |
6.30% |
5.04% |
6.13% |
6.30% |
4.90% |
|
£1 million - £9 million |
6.50% |
6.50% |
4.80% |
6.31% |
6.50% |
5.05% |
Minimum balance - £5,000
Withdrawals - 4 withdrawals within the 12 month reward period
Reward conditions - after 12 months or if you make more than 4 withdrawals, account reverts to Bank of Scotland Instant Access Savings Account
From 1 November 2008 - 26 November 2008
|
Balance |
Annual |
Monthly |
||||
|
|
Gross |
AER |
Net |
Gross pa |
AER |
Net pa |
|
£5,000 - £99,999 |
5.80% |
5.80% |
4.64% |
5.65% |
5.85% |
4.52% |
|
£100,000 - £999,999 |
6.00% |
6.00% |
4.80% |
5.84% |
6.00% |
4.67% |
|
£1 million - £9 million |
6.20% |
6.20% |
4.96% |
6.03% |
6.20% |
4.82% |
Minimum balance - £5,000
Withdrawals - 4 withdrawals within the 12 month reward period
Reward conditions - after 12 months or if you make more than 4 withdrawals, account reverts to Bank of Scotland Instant Access Savings Account
From 15 December 2008 - 30 December 2008
|
Balance |
Annual |
Monthly |
||||
|
|
Gross |
AER |
Net |
Gross pa |
AER |
Net pa |
|
£5,000 - £99,999 |
3.50% |
3.50% |
2.80% |
3.45% |
3.50% |
2.76% |
|
£120,000 - £999,999 |
3.60% |
3.60% |
2.88% |
3.54% |
3.60% |
2.83% |
|
£1 million - £9 million |
3.70% |
3.70% |
2.96% |
3.64% |
3.70% |
2.91% |
Minimum balance - £5,000
Withdrawals - 4 withdrawals within the 12 month reward period
Reward conditions - after 12 months or if you make more than 4 withdrawals, account reverts to Bank of Scotland Instant Access Savings Account
From 9 March 2009 - 6 April 2009
|
Balance |
Annual |
Monthly |
||||
|
|
Gross |
AER |
Net |
Gross pa |
AER |
Net pa |
|
£5,000 - £500,000 |
1.50% |
1.50% |
1.20% |
1.49% |
1.50% |
1.19% |
Minimum balance - £5,000
Withdrawals - 3 withdrawals within the 12 month reward period
Reward conditions - after 12 months or if you make more than 3 withdrawals, account reverts to Bank of Scotland Instant Access Savings Account.
From 13 July 2009 - 6 September 2009
|
Balance |
Annual |
Monthly |
||||
|
|
Gross |
AER |
Net pa |
Gross pa |
AER |
Net pa |
|
£500,000+ |
3.15% |
3.15% |
2.52% |
3.11% |
3.15% |
2.49% |
|
£2,500 - £499,999 |
2.60% |
2.60% |
2.08% |
2.57% |
2.60% |
2.06% |
Minimum balance - £2,500
Withdrawals - 4 withdrawals within the 12 month reward period
Reward conditions - after 12 months or if you make more than 4 withdrawals, account reverts to Bank of Scotland Instant Access Savings Account.
From 7 September 2009 - 8 October 2009
|
Balance |
Annual |
Monthly |
||||
|
|
Gross |
AER |
Net |
Gross pa |
AER |
Net pa |
|
£500,000+ |
2.80% |
2.80% |
2.24% |
2.76% |
2.80% |
2.21% |
|
£2,500 - £499,999 |
2.40% |
2.40% |
1.92% |
2.37% |
2.40% |
1.90% |
Minimum balance - £2,500
Withdrawals - 4 withdrawals within the 12 month reward period
Reward conditions - after 12 months or if you make more than 4 withdrawals, account reverts to Bank of Scotland Instant Access Savings Account.
From 16 October 2009 - 3 January 2010
|
Balance |
Annual |
Monthly |
||||
|
|
Gross |
AER |
Net |
Gross pa |
AER |
Net pa |
|
£100k+ |
2.90% |
2.90% |
2.32% |
2.86% |
2.90% |
2.29% |
|
£500 - £99,999 |
2.60% |
2.60% |
2.08% |
2.57% |
2.60% |
2.06% |
Minimum balance - £500
Withdrawals - 4 withdrawals within the 12 month reward period
Reward conditions - after 12 months or if you make more than 4 withdrawals, account reverts to Bank of Scotland Instant Access Savings Account.
From 1 June 2010 - 30 September 2010
|
Balance |
Annual |
Monthly |
||||
|
|
Gross |
AER |
Net |
Gross pa |
AER |
Net pa |
|
£1,000 - £9m |
1.80% |
1.80% |
1.44% |
1.79% |
1.80% |
1.43% |
Minimum balance - £1,000
Withdrawals - 4 withdrawals within the 12 month reward period
Reward conditions - after 12 months or if you make more than 4 withdrawals, account reverts to Bank of Scotland Instant Access Savings Account.
From 1 October 2010 - 31 December 2010
|
Balance |
Annual |
Monthly |
||||
|
|
Gross |
AER |
Net pa |
Gross pa |
AER |
Net pa |
|
£1,000 - £250,000 |
2.10% |
2.10% |
1.68% |
2.08% |
2.10% |
1.66% |
Minimum balance - £1,000
Withdrawals - 4 withdrawals within the 12 month reward period
Reward conditions - after 12 months or if you make more than 4 withdrawals, account reverts to Bank of Scotland Instant Access Savings Account.
UK annual rates from 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% |
Rates quoted include the bonus of 0.50% gross (net 0.40%) pa. See the Bonus Gold page for details of how to get your bonus.
UK annual rates from 1st March 2009
| Balance |
Gross incl. conditional bonus | AER exc. conditional bonus | AER incl. conditional bonus | Net incl. conditional bonus |
|---|---|---|---|---|
| £100,000+ |
0.65% |
0.15% |
0.65% |
0.52% |
| £50,000+ |
0.60% |
0.10% |
0.60% |
0.48% |
| £25,000+ |
0.60% |
0.10% |
0.60% |
0.48% |
| £10,000+ |
0.60% |
0.10% |
0.60% |
0.48% |
| £5,000+ |
0.60% |
0.10% |
0.60% |
0.48% |
Previous UK annual rates from 1st April 2009
| Balance | Gross | AER | Net |
|---|---|---|---|
| £2,500+ | 0.50% |
0.50% |
0.40% |
Halifax Guaranteed Saver Reward
Halifax Guaranteed Saver Reward is a limited offer only available at specific times of the year. All our previous Halifax Guaranteed Saver Reward offers are listed below:
Available from 9 June - 10 August 2008
Available from 15 September - 31 October 2008
Available from 1 November - 26 November 2008
Available from 15 December - 30 December 2008
Available from 5 January - 8 February 2009
Available from 9 February - 15 March 2009
Available from 16 March - 19 April 2009
Available from 20 April - 17 May 2009
Available from 18 May - 19 July 2009
Available from 20 July - 6 September 2009
Available from 7 September - 8 October 2009
Available from 9 October 2009 - 3 January 2010
Available from 5th January 2010 - 31st January 2010
Available from 1st February 2010 - 31st May 2010
Available from 1st June 2010 - 30th September 2010
Available from 1st October 2010 - 31st March 2011
Available from 1st April - 30th April 2011
Available from 1st May 2011 - 31st May 2011
Available from 1st June 2011 - 30th June 2011
|
Interest Rate |
6.25% gross |
6.25% AER |
5.00% net |
|
Minimum Balance |
£2,500 |
||
|
Withdrawals |
1 withdrawal within the 12 month reward period |
||
|
Conditions |
No more than 1 withdrawal during the 12 month reward period |
||
From 15 September - 31 October 2008
|
Interest Rate |
5.50% gross |
5.50% AER |
4.40% net |
|
Minimum Balance |
£2,500 |
||
|
Withdrawals |
4 withdrawals within the 12 month reward period |
||
|
Conditions |
No more than 4 withdrawals during the 12 month reward period and must keep a minimum balance of £2,500. |
||
From 1 November - 26 November 2008
|
Interest Rate |
6.00% gross |
6.00% AER |
4.80% net |
|
Minimum Balance |
£2,500 |
||
|
Withdrawals |
4 withdrawals within the 12 month reward period |
||
|
Conditions |
Must pay £1,000 each month for 12 months into a qualifying Current Account, make no more than 4 withdrawals during the 12 month reward period and keep a minimum balance of £2,500. |
||
From 15 December - 30 December 2008
|
Interest Rate £2,500 - £119,999 |
3.50% gross |
3.50% AER |
2.80% net |
|
Interest Rate £120,000 - £9m |
3.60% gross |
3.60% AER |
2.88% net |
| Minimum Balance |
£2,500 |
||
|
Withdrawals |
4 withdrawals within the 12 month reward period |
||
|
Conditions |
No more than 4 withdrawals during the 12 month reward period and keep a minimum balance of £2,500. |
||
From 5 January - 8 February 2009
|
Interest Rate |
3.00% gross |
3.00% AER |
2.40% net |
|
Minimum Balance |
£2,500 |
||
|
Withdrawals |
4 withdrawals within the 12 month reward period |
||
|
Conditions |
Must pay £1,000 each month for 12 months into a qualifying Current Account, make no more than 4 withdrawals during the 12 month reward period and keep a minimum balance of £2,500. |
||
From 9 February - 15 March 2009
|
Interest Rate |
2.50% gross |
2.50% AER |
2.00% net |
|
Minimum Balance |
£2,500 |
||
|
Withdrawals |
4 withdrawals within the 12 month reward period |
||
|
Conditions |
Must pay £1,000 each month for 12 months into a qualifying Current Account, make no more than 4 withdrawals during the 12 month reward period and keep a minimum balance of £2,500. |
||
|
Interest Rate |
1.75% gross |
1.75% AER |
1.40% net |
|
Minimum Balance |
£2,500 |
||
|
Withdrawals |
4 withdrawals within the 12 month reward period |
||
|
Conditions |
Must pay £1,000 each month for 12 months into a qualifying Current Account, make no more than 4 withdrawals during the 12 month reward period and keep a minimum balance of £2,500. |
||
|
Interest Rate |
1.40% gross |
1.40% AER |
1.12% net |
|
Minimum Balance |
£2,500 |
||
|
Withdrawals |
4 withdrawals within the 12 month reward period |
||
|
Conditions |
Must pay £1,000 each month for 12 months into a qualifying Current Account, make no more than 4 withdrawals during the 12 month reward period and keep a minimum balance of £2,500. |
||
|
Interest Rate |
2.00% gross |
2.00% AER |
1.60% net |
|
Minimum Balance |
£2,500 |
||
|
Withdrawals |
4 withdrawals within the 12 month reward period |
||
|
Conditions |
Must pay £1,000 each month for 12 months into a qualifying Current Account or hold a Bank of Scotland or Halifax Ultimate Reward current account, make no more than 4 withdrawals during the 12 month reward period and keep a minimum balance of £2,500. |
||
From 20 July - 6 September 2009
|
Interest Rate |
2.60% gross |
2.60% AER |
2.08% net |
|
Interest Rate for Qualifying Current Account Customers |
2.80% gross |
2.80% AER |
2.24% net |
|
Minimum Balance |
£2,500 |
||
|
Withdrawals |
4 withdrawals within the 12 month reward period |
||
|
Conditions |
No more than 4 withdrawals during the 12 month reward period and keep a minimum balance of £2,500. If you hold a Halifax or Bank of Scotland current account you are eligible to receive a higher rate of interest. To qualify, you must follow the above conditions and either; - hold a Halifax or Bank of Scotland Ultimate Reward Current Account in the same name as your Halifax Guaranteed Saver Reward account throughout the year; or - pay at least £1,000 every month into a qualifying current account in the same name as your Halifax Guaranteed Saver Reward account |
||
From 7 September - 8 October 2009
|
Interest Rate |
2.40% gross |
2.40% AER |
1.92% net |
|
Interest Rate for Qualifying Current Account Customers |
2.60% gross |
2.60% AER |
2.08% net |
|
Minimum Balance |
£2,500 |
||
|
Withdrawals |
4 withdrawals within the 12 month reward period |
||
|
Conditions |
No more than 4 withdrawals during the 12 month reward period and keep a minimum balance of £2,500. If you hold a Halifax or Bank of Scotland current account you are eligible to receive a higher rate of interest. To qualify, you must follow the above conditions and either; - hold a Halifax or Bank of Scotland Ultimate Reward Current Account in the same name as your Halifax Guaranteed Saver Reward account throughout the year; or - pay at least £1,000 every month into a qualifying current account in the same name as your Halifax Guaranteed Saver Reward account |
||
From 9 October 2009 - 3 January 2010
|
Interest Rate |
2.50% gross |
2.50% AER |
2.00% net |
|
Interest Rate for Qualifying Current Account Customers |
3.00% gross |
3.00% AER |
2.40% net |
|
Minimum Balance |
£2,500 |
||
|
Withdrawals |
4 withdrawals within the 12 month reward period |
||
|
Conditions |
No more than 4 withdrawals during the 12 month reward period and keep a minimum balance of £2,500. If you hold a Halifax or Bank of Scotland current account you are eligible to receive a higher rate of interest. To qualify, you must follow the above conditions and either; - hold a Halifax or Bank of Scotland Ultimate Reward Current Account in the same name as your Halifax Guaranteed Saver Reward account throughout the year; or - pay at least £1,000 every month into a qualifying current account in the same name as your Halifax Guaranteed Saver Reward account |
||
From 5th January 2010 - 31st January 2010
|
Interest Rate |
1.50% gross |
1.50% AER |
1.20% net |
|
Minimum Balance |
£500 |
||
|
Withdrawals |
4 withdrawals within the 12 month reward period |
||
|
Conditions |
No more than 4 withdrawals during the 12 month reward period and keep a minimum balance of £2,500. |
||
From 1st February 2010 - 31st May 2010
|
Interest Rate |
1.50% gross |
1.50% AER |
1.20% net |
|
Minimum Balance |
£500 |
||
|
Withdrawals |
Unlimited |
||
|
Conditions |
Balance must not exceed £9m |
||
From 1st June 2010 - 30th September 2010
|
Interest Rate |
1.50% gross |
1.50% AER |
1.20% net |
|
Minimum Balance |
£1 |
||
|
Withdrawals |
Unlimited |
||
|
Conditions |
Balance must not exceed £9m |
||
From 1st October - 31st March 2011
|
Interest Rate |
2.00% gross |
2.00% AER |
1.60% net |
|
Minimum Balance |
£1 |
||
|
Withdrawals |
Unlimited |
||
|
Conditions |
Balance must not exceed £9m |
||
From 1st April 2011 - 30th April 2011
|
Interest Rate |
2.00% gross |
2.00% AER |
1.60% net |
|
Minimum Balance |
£1 |
||
|
Withdrawals |
Unlimited |
||
|
Conditions |
Balance must not exceed £9m |
||
From 1st May 2011 - 31st May 2011
|
Interest Rate |
2.00% gross |
2.00% AER |
1.60% net |
|
Minimum Balance |
£1 |
||
|
Withdrawals |
Unlimited |
||
|
Conditions |
Balance must not exceed £9m |
||
From 1st June 2011 - 30th June 2011
|
Interest Rate |
2.00% gross |
2.00% AER |
1.60% net |
|
Minimum Balance |
£1 |
||
|
Withdrawals |
Unlimited |
||
|
Conditions |
Balance must not exceed £9m |
||
Please note:
If you have an existing Halifax Guaranteed Saver Reward the interest rate is applied at the end of the 12 month reward period, if the conditions of the account are met. Until that time, if you view your account through online banking the account will show as Halifax Guaranteed Saver (standard) with the current variable interest rate. This interest rate may change throughout the reward period but will not affect the Reward interest rate you will receive at the end of the 12 months.
UK annual rates from 1st January 2009
| Balance | Gross | AER | Net |
|---|---|---|---|
| £100,000+ |
0.35% |
0.35% |
0.28% |
| £50,000+ |
0.30% |
0.30% |
0.24% |
| £25,000+ |
0.25% |
0.25% |
0.20% |
| £10,000+ |
0.20% |
0.20% |
0.16% |
| £5,000+ |
0.15% |
0.15% |
0.12% |
| £500+ |
0.10% |
0.10% |
0.08% |
| £50+ |
0.10% |
0.10% |
0.08% |
Halifax ISA Direct Reward is a limited offer only available at specific times of the year. All our previous reward offers are listed below:
Available from 24 February - 30 May 2009
Available from 4 March - 21 September 2010
Available from 22 September 2010 - 26 February 2011
Available from 27 February - 31 July 2011
From 24 February - 30 May 2009
|
Interest Rate |
3.00% gross |
3.00% AER |
|
|
Minimum Balance |
£1,000 |
||
|
Withdrawals |
Up to 4 withdrawals during the 12 month reward period |
||
|
Conditions |
If more than 4 withdrawals are made during the 12 month reward period, or your account balance falls below £1,000, the Halifax ISA Saver Direct variable interest rate and account conditions apply to your account from that date. After the 12 month reward period, the Halifax ISA Saver Direct variable interest rate and conditions apply. |
||
From 4 March - 21 September 2010
|
Interest Rate |
2.60% gross |
2.60% AER |
|
|
Minimum Balance |
£1,000 |
||
|
Withdrawals |
Up to 4 withdrawals during the 12 month reward period |
||
|
Conditions |
If more than 4 withdrawals are made during the 12 month reward period, or your account balance falls below £1,000, the Halifax ISA Saver Direct variable interest rate and account conditions apply to your account from that date. After the 12 month reward period, the Halifax ISA Saver Direct variable interest rate and conditions apply. |
||
From 22 September 2010 – 26 February 2011
|
Interest Rate |
2.80% gross |
2.80% AER |
|
Minimum Balance |
£1 |
|
|
Withdrawals |
Unlimited |
|
|
Conditions |
Unlimited withdrawals during the 12 month reward period. No notice required. Minimum withdrawal £10. If your account balance falls below £1 the ISA Saver Direct variable interest rate and account conditions apply to your account from that date. |
|
From 27 February 2011 – 31 July 2011
|
Interest Rate |
3.00% Tax-free |
3.00% AER |
|
Minimum Balance |
£1 |
|
|
Withdrawals |
Unlimited |
|
|
Conditions |
Unlimited withdrawals during the 12 month reward period. No notice required. Minimum withdrawal £10. If your account balance falls below £1 the ISA Saver Direct variable interest rate and account conditions apply to your account from that date. |
|
UK annual rates from 1st March 2009
| Balance | Tax Free | AER |
|---|---|---|
| £1+ |
1.00% |
1.00% |
For former Solid Gold customers, annual interest paid on 1st February (in line with previous interest payment date).
UK annual rates from 1st January 2009
| Balance | Gross | AER | Net |
|---|---|---|---|
| £500+ |
0.10% |
0.10% |
0.08% |
| £50+ |
0.10% |
0.10% |
0.08% |
Monthly interest is only available to former Solid Gold customers who previously received monthly interest.
Halifax Premium Savings Direct
UK annual rates from 1st February 2009
| Balance | Gross | AER | Net |
|---|---|---|---|
| £250,000+ |
0.35% |
0.35% |
0.28% |
| £100,000+ |
0.30% |
0.30% |
0.24% |
| £50,000+ |
0.25% |
0.25% |
0.20% |
| £25,000+ |
0.20% |
0.20% |
0.16% |
| £5,000+ |
0.15% |
0.15% |
0.12% |
| £500+ |
0.10% |
0.10% |
0.08% |
| £50+ | 0.10% | 0.10% | 0.08% |
UK annual rates from 1st March 2009
|
Number of withdrawals |
||||
|---|---|---|---|---|
| 0-3 | 4+ | |||
| Balance | Gross / AER | Net | Gross / AER | Net |
|
£100,000+ |
0.25% |
0.20% |
0.10% |
0.08% |
|
£50,000+ |
0.20% |
0.16% |
0.10% |
0.08% |
|
£25,000+ |
0.20% |
0.16% |
0.10% |
0.08% |
|
£10,000+ |
0.10% |
0.08% |
0.10% |
0.08% |
|
£5,000+ |
0.10% |
0.08% |
0.10% |
0.08% |
|
£500+ |
0.10% |
0.08% |
0.10% |
0.08% |
|
£50+ |
0.10% |
0.08% |
0.10% |
0.08% |
If you have a regularly funded Halifax Current Account, a Halifax Personal Loan or a Halifax mortgage, you can make three extra withdrawals each year without affecting the interest rate; the above rates therefore apply for 0-6, 7-15 and 16+ withdrawals.
UK annual rates from 15th November 2010
|
Balance |
AER |
Gross |
Net |
|---|---|---|---|
|
£100,000+ |
2.50% |
2.50% |
2.00% |
|
£1+ |
2.50% |
2.50% |
2.00% |
Halifax Web Saver Reward is a limited offer only available at specific times of the year. All our previous Halifax Web Saver Reward offers are listed below:
From 9 July - 12 August 2008
The reward interest rate will be at least 0.80% above the Bank of England bank rate.
Minimum balance - £1
Withdrawals - Unlimited, balance must be kept above £1 or interest rate for variable rate Web Saver (without card) will apply.
Reward conditions - After 12 months, or if balance falls below £1, the account reverts to a Variable Web Saver (without card) account.
From 5 November - 1 December 2008
|
Balance |
Gross |
AER |
Net |
|
£120,000 - £500,000 |
5.50% |
5.50% |
4.40% |
|
£60,000+ |
5.20% |
5.20% |
4.16% |
|
£50+ |
5.00% |
5.00% |
4.00% |
Minimum balance - £50
Withdrawals - 4 withdrawals within the 12 month reward period.
Reward conditions - Only 1 Web Saver Reward per customer (sole or joint). Maximum of 4 withdrawals. Rate guaranteed for 12 months if balance kept at minimum of £50 and maximum of £500,000. The variable rate Web Saver (without card) rate will apply at the end of the reward period if the required balance is not maintained during the 12 months.
From 4 February - 6 March 2009
|
Balance |
Gross |
AER |
Net |
|
£1+ |
1.00% |
1.00% |
0.80% |
Minimum balance - £1
Withdrawals - Maximum 3 withdrawals within the 12 month reward period. The variable rate Web Saver (without card) rate will apply from the 4th withdrawal.
Reward conditions - Only 1 Web Saver Reward per customer (sole or joint). Maximum of 3 withdrawals. Rate guaranteed for 12 months. The Variable Web Saver (without card) rate will apply at the end of the Reward period if more than 3 withdrawals are made.
From 8 June - 19 July 2009
|
Balance |
Gross |
AER |
Net |
|
£1+ |
2.50% |
2.50% |
2.00% |
Minimum balance - £1
Withdrawals - Maximum 4 withdrawals within the 12 month reward period. The variable rate Web Saver (without card) rate will apply from the 5th withdrawal.
Reward conditions - Only 1 Web Saver Reward per customer (sole or joint). Maximum of 4 withdrawals. Rate guaranteed for 12 months. The Variable Web Saver (without card) rate will apply at the end of the Reward period if more than 4 withdrawals are made.
From 1 April 2011 - 30 April 2011
|
Balance |
Gross |
AER |
Net |
|
£1+ |
2.80% |
2.80% |
2.24% |
Minimum balance - £1
Withdrawals - Unlimited withdrawals within the 12 month reward period.
Reward conditions - Only 1 Web Saver Reward per customer (sole or joint).
From 1 May 2011 - 31 May 2011
|
Balance |
Gross |
AER |
Net |
|
£1+ |
2.80% |
2.80% |
2.24% |
Minimum balance - £1
Withdrawals - Unlimited withdrawals within the 12 month reward period.
Reward conditions - Only 1 Web Saver Reward per customer (sole or joint).
From 1 June 2011 - 30th June 2011
|
Balance |
Gross |
AER |
Net |
|
£1+ |
2.80% |
2.80% |
2.24% |
Minimum balance - £1
Withdrawals - Unlimited withdrawals within the 12 month reward period.
Reward conditions - Only 1 Web Saver Reward per customer (sole or joint).
From 1 July 2011 - 31st July 2011
|
Balance |
Gross |
AER |
Net |
|
£1+ |
2.80% |
2.80% |
2.24% |
Minimum balance - £1
Withdrawals - Unlimited withdrawals within the 12 month reward period.
Reward conditions - Only 1 Web Saver Reward per customer (sole or joint).
From 1st August 2011 - 9th September 2011
|
Balance |
Gross |
AER |
Net |
|
£1+ |
2.80% |
2.80% |
2.24% |
Minimum balance - £1
Withdrawals - Unlimited withdrawals within the 12 month reward period.
Reward conditions - Only 1 Web Saver Reward per customer (sole or joint).
If you have any questions, please contact our helpdesk on 0845 602 0000.
UK annual rates from 1st June 2004
| Balance | Gross | AER | Net |
|---|---|---|---|
| £1,000+ |
0.35% |
0.35% |
0.28% |
Only available for funds maturing from Halifax Guaranteed Reserve and Halifax Stepped Income Reserve.
UK annual rates from 1st March 2009
| Balance |
Gross | AER | Net |
|---|---|---|---|
| £1+ | 1.55% |
1.55% |
1.24% |
Variable Rate Halifax ISA Saver
UK annual rates from 1st March 2009
| Balance | Tax Free | AER |
|---|---|---|
|
£27,000+ |
0.25% |
0.25% |
|
£24,000+ |
0.15% |
0.15% |
|
£21,000+ |
0.15% |
0.15% |
|
£18,000+ |
0.15% |
0.15% |
|
£12,000+ |
0.10% |
0.10% |
|
£3,000+ |
0.10% |
0.10% |
|
£1+ |
0.10% |
0.10% |
UK annual rates from 1st March 2009
- variable option with cash card
| Balance | Gross | AER | Net |
| £0+ |
0.25% |
0.25% |
0.20% |
Above rates do not include any gross interest rate bonus.
UK annual rates from 1st March 2009
- variable option without cash card
| Balance | Gross | AER | Net |
| £25,000+ |
0.26% |
0.26% |
0.21% |
| £5,000+ |
0.16% |
0.16% |
0.13% |
| £0+ |
0.10% |
0.10% |
0.08% |
Special rate for under 21s only available on certain accounts.
UK annual rates from 1st January 2009
| Balance | AER | Gross | Net |
| £1+ |
0.50% |
0.50% |
0.40% |
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 Accounts 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 its open money market operations.
Personal Previous Monthly Rates
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. The rates shown below are those previous to the current monthly rates.
The AER shown for each account is the Annual Equivalent Rate.
Bank of Scotland Instant Access Savings Account
Halifax Premium Savings Direct
Bank of Scotland Instant Access Savings Account
Previous UK monthly rates 1st March 2009
|
Balance |
Gross p.a. |
AER |
Net p.a. |
|
£1,000,000+ |
1.09% |
1.10% |
0.87% |
|
£1+ |
1.00% |
1.00% |
0.80% |
Halifax Premium Savings Direct
UK monthly rates from 1st February 2009
| Balance | Gross p.a. | AER | Net p.a. |
| £250,000+ |
0.35% |
0.35% |
0.28% |
| £100,000+ |
0.30% |
0.30% |
0.24% |
| £50,000+ |
0.25% |
0.25% |
0.20% |
| £25,000+ |
0.20% |
0.20% |
0.16% |
| £5,000+ |
0.15% |
0.15% |
0.12% |
| £500+ |
0.10% |
0.10% |
0.08% |
UK monthly rates from 1st January 2009
| Balance | Gross p.a. | AER | Net p.a. |
| £100,000+ |
0.35% |
0.35% |
0.28% |
| £50,000+ |
0.30% |
0.30% |
0.24% |
| £25,000+ |
0.25% |
0.25% |
0.20% |
| £10,000+ |
0.20% |
0.20% |
0.16% |
| £5,000+ |
0.15% |
0.15% |
0.12% |
| £500+ |
0.10% |
0.10% |
0.08% |
| £50+ |
0.10% |
0.10% |
0.08% |
Rates quoted include the bonus of 0.50% gross (net 0.40%) pa. See the Bonus Gold page for details of how to get your bonus.
UK monthly rates from 1st March 2009
| Balance | Gross p.a. incl. conditional bonus | AER excl. conditional bonus | AER incl. conditional bonus | Net p.a. incl. conditional bonus |
| £100,000+ |
0.65% |
0.15% |
0.65% |
0.52% |
| £50,000+ |
0.60% |
0.10% |
0.60% |
0.48% |
| £25,000+ |
0.60% |
0.10% |
0.60% |
0.48% |
| £10,000+ |
0.60% |
0.10% |
0.60% |
0.48% |
| £5,000+ |
0.60% |
0.10% |
0.60% |
0.48% |
UK monthly rates from 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% |
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 from 1st January 2009
| Balance | Gross p.a. | AER | Net p.a. |
| £500+ |
0.10% |
0.10% |
0.08% |
| £50+ |
0.10% |
0.10% |
0.08% |
UK monthly rates from 1st January 2009
| Balance | Gross p.a. | AER | Net p.a. |
| £1+ | 0.50% |
0.50% |
0.40% |
UK monthly rates from 1st April 2009
| Balance | Gross p.a. | AER | Net p.a. |
| £100,000+ |
0.45% |
0.45% |
0.36% |
| £50,000+ |
0.30% |
0.30% |
0.24% |
| £25,000+ |
0.30% |
0.30% |
0.24% |
| £10,000+ |
0.25% |
0.25% |
0.20% |
| £5,000+ |
0.25% |
0.25% |
0.20% |
UK monthly rates from 1st June 2004
| Balance | Gross p.a. | AER | Net p.a. |
| £1,000+ |
0.35% |
0.35% |
0.28% |