Annual certificates of interest for our Savings Accounts

How much interest has my account earned?

We no longer automatically send out an annual certificate of interest to customers, however, if you are registered for Online Banking you will be able to view this online in the ‘List your documents’ section of ‘Other services’. Alternatively you can telephone us to request a copy.

    The layout

    The summary will feature the following information:

    • Your address
    • Your account details
    • The tax year - this runs from 6 April to 5 April so the interest featured in the certificate will relate to that paid into your account during this period
    • Gross interest - this is the amount of interest that you earned before tax. If you have registered not to pay tax on the interest earned on your account, this is the only figure that you will see on the summary

    Tax is no longer deducted - individuals have a Personal Savings Allowance which varies according to personal circumstances. Please visit HMRC’s website for further information.

      Why do I need an annual certificate of interest?

      Some customers may need this information if they complete a tax return. You can also get the amount of interest that you were paid from your statements - these are available in Online Banking.

      You can also view your certificate of interest in Online Banking in the 'View all documents' section of 'Your document store'.

        Special note to Instant Access Savings Account customers who receive their interest annually

        Interest is paid into your account on the last business day of April each year. As the tax year runs from 6 April to 5 April, this year's annual certificate of interest will show the interest paid into your account the previous year.

          When is interest paid?

            Instant Access Savings Account

            Interest will be paid into your account on the last day of the month if you selected monthly interest and on the last day in April if you selected annual interest.

              Fixed Rate Saver

              We pay interest monthly or annually, depending on what you chose when opening your account.

              Interest will be paid on the same date that your deposit was credited to your account.

              For example, if you opened your account on the 15th of the month and deposited your funds on the 20th, interest will be paid to you on the 20th of each month or year.

                Internet Saver

                Standard Rate Interest is paid into your account on the 31 March. Any Bonus Interest earned is paid at the end of the Bonus Period.

                  Cash ISA

                  Interest is paid into your account on the anniversary of your account opening.