Interest rates on your existing Fixed Rate Saver account

Find out the rate you’re currently on, or rates you may have been receiving in the last 5 years.

To view rates on new accounts visit our Fixed Rate Saver page.

1 year term

If your term has already ended, you’ll be on the standard variable rate which is 1.05%.

All rates are Gross/AER.

Interest rates for 1 year term Fixed Rate Saver accounts opened in 2025

Date effective from

Annual interest

Monthly interest

18 August - Present

4.21%

4.13%

3 July - 17 August

3.08%

3.74%

5 June - 2 July

4.33%

4.25%

15 May - 4 June

4.05%

3.98%

10 April - 14 May

4.15%

4.07%

3 April - 9 April

4.35%

4.27%

19 March - 2 April

4.40%

4.31%

4 March - 18 March

4.45%

4.36%

16 January - 3 March

4.35%

4.27%

1 January - 15 January

4.15%

4.07%

If your term has already ended, you’ll be on the standard variable rate which is 1.05%.

All rates are Gross/AER.

Interest rates for 1 year term Fixed Rate Saver accounts opened in 2024

Date effective from

Annual interest

Monthly interest

26 November - 31 December

4.15%

4.07%

22 October - 25 November

4.35%

4.27%

9 October - 21 October

4.50%

4.41%

27 August - 8 October

4.61%

4.52%

8 August - 26 August

4.66%

4.56%

28 May - 7 August

4.81%

4.71%

8 May - 27 May

4.91%

4.80%

17 April - 7 May

5.00%

4.89%

27 March - 16 April

5.06%

4.95%

28 February - 26 March

4.95%

4.84%

24 January - 27 February

4.80%

4.70%

10 January - 23 January

4.90%

4.79%

1 January - 9 January

5.10%

4.98%

If your term has already ended, you’ll be on the standard variable rate which is 1.05%.

All rates are Gross/AER.

Interest rates for 1 year term Fixed Rate Saver accounts opened in 2023

Date effective from

Annual interest

Monthly interest

7 November - 31 December

5.10%

4.98%

3 October - 6 November

5.40%

5.27%

19 September - 2 October

5.60%

5.46%

24 August - 18 September

5.65%

5.51%

15 August - 23 August

5.75%

5.60%

18 July - 14 August

5.85%

5.70%

3 July - 17 July

5.40%

5.27%

21 June - 2 July

5.15%

5.03%

31 May - 20 June

4.80%

4.70%

23 May - 30 May

4.55%

4.46%

9 May - 22 May

4.40%

4.31%

26 April - 8 May

4.15%

4.07%

28 February - 25 April

4.05%

3.98%

15 February - 27 February

4.00%

3.93%

31 January - 14 February

3.90%

3.83%

1 January - 30 January

3.75%

3.69%

If your term has already ended, you’ll be on the standard variable rate which is 1.05%.

All rates are Gross/AER.

Interest rates for 1 year term Fixed Rate Saver accounts opened in 2022

Date effective from

Annual interest

Monthly interest

8 December - 31 December

3.75%

3.69%

24 November - 7 December

3.65%

3.59%

15 November - 23 November

3.80%

3.74%

27 October - 14 November

3.90%

3.83%

18 October - 26 October

4.19%

4.11%

13 October - 17 October

3.71%

3.65%

4 October - 12 October

3.10%

3.06%

31 August - 3 October

2.91%

2.87%

31 May - 30 August

2.35%

2.32%

11 May - 30 May

2.06%

2.04%

3 May - 10 May

1.95%

1.93%

21 April - 2 May

1.71%

1.70%

17 Mar - 20 April

1.20%

1.19%

17 February - 16 March

0.80%

0.80%

1 January - 16 February

1.00%

1.00%

If your term has already ended, you’ll be on the standard variable rate which is 1.05%.

All rates are Gross/AER.

Interest rates for 1 year term Fixed Rate Saver accounts opened in 2021

Date effective from

Annual interest

Monthly interest

3 December - 31 December

1.00%

1.00%

12 November - 2 December

0.77%

0.77%

28 September - 11 November

0.62%

0.62%

10 September - 27 September

0.70%

0.70%

1 September - 9 September

0.80%

0.80%

26 July - 31 August

0.60%

0.60%

8 July - 25 July

0.52%

0.52%

17 June - 7 July

0.35%

0.35%

16 February - 16 June

0.25%

0.25%

8 January - 15 February

0.30%

0.30%

1 January - 7 January

0.40%

0.40%

15 month term

If your term has already ended, you’ll be on the standard variable rate which is 1.05%.

All rates are Gross/AER.

Interest rates for 15 month term Fixed Rate Saver accounts opened in 2025

Date effective from

Annual interest

Monthly interest

7 October - Present

4.21%

4.13%

18 August - 6 October

4.10%

4.03%

3 July - 17 August

3.70%

3.64%

15 May - 2 July

4.05%

3.98%

10 April - 14 May

4.15%

4.07%

16 January - 9 April

4.35%

4.27%

1 January - 15 January

4.15%

4.07%

If your term has already ended, you’ll be on the standard variable rate which is 1.05%.

All rates are Gross/AER.

Interest rates for 15 month term Fixed Rate Saver accounts opened in 2024

Date effective from

Annual interest

Monthly interest

26 November - 31 December

4.15%

4.07%

22 October - 25 November

4.35%

4.27%

9 October - 21 October

4.50%

4.41%

27 August - 8 October

4.61%

3.52%

8 August - 26 August

4.66%

4.56%

28 May - 7 August

4.81%

4.71%

8 May - 27 May

4.91%

4.80%

17 April - 7 May

5.00%

4.89%

27 March - 16 April

5.06%

4.95%

28 February - 26 March

4.95%

4.84%

24 January - 27 February

4.80%

4.70%

10 January - 23 January

4.90%

4.79%

1 January - 9 January

5.10%

4.98%

If your term has already ended, you’ll be on the standard variable rate which is 1.05%.

All rates are Gross/AER.

Interest rates for 15 month term Fixed Rate Saver accounts opened in 2023

Date effective from

Annual interest

Monthly interest

7 November - 31 December

5.10%

4.98%

3 October - 6 November

5.40%

5.27%

24 August - 2 October

5.60%

5.46%

15 August - 23 August

5.72%

5.58%

18 July - 14 August

5.80%

5.65%

3 July - 17 July

5.40%

5.27%

21 June - 2 July

5.15%

5.03%

31 May - 20 June

4.80%

4.70%

23 May - 30 May

4.57%

4.48%

9 May - 22 May

4.42%

4.33%

26 April - 8 May

4.20%

4.12%

28 February - 25 April

4.07%

4.00%

15 February - 27 February

4.02%

3.95%

31 January - 14 February

3.92%

3.85%

1 January - 30 January

3.80%

3.74%

If your term has already ended, you’ll be on the standard variable rate which is 1.05%.

All rates are Gross/AER.

Interest rates for 15 month term Fixed Rate Saver accounts opened in 2022

Date effective from

Annual interest

Monthly interest

8 December - 31 December

3.80%

3.74%

24 November - 7 December

3.70%

3.64%

15 November - 23 November

3.85%

3.78%

27 October - 14 November

3.95%

3.88%

18 October - 26 October

4.20%

4.12%

13 October - 17 October

3.73%

3.67%

4 October - 12 October

3.15%

3.11%

31 August - 3 October

3.01%

2.97%

31 May - 30 August

2.38%

2.35%

11 May - 30 May

2.10%

2.08%

3 May - 10 May

1.98%

1.96%

21 April - 2 May

1.72%

1.71%

17 March - 20 April

1.30%

1.29%

12 February - 16 March

0.90%

0.90%

1 January - 11 February

1.05%

1.05%

If your term has already ended, you’ll be on the standard variable rate which is 1.05%.

All rates are Gross/AER.

Interest rates for 15 month term Fixed Rate Saver accounts opened in 2021

Date effective from

Annual interest

Monthly interest

3 December - 31 December

1.05%

1.05%

12 November - 2 December

0.85%

0.85%

28 September - 11 November

0.67%

0.67%

10 September - 27 September

0.75%

0.75%

1 September - 9 September

0.85%

0.85%

26 July - 31 August

0.65%

0.65%

8 July - 25 July

0.40%

0.40%

17 June - 7 July

0.56%

0.56%

16 February - 16 June

0.30%

0.30%

8 January - 15 February

0.35%

0.35%

1 January - 7 January

0.45%

0.45%

18 month term

If your term has already ended, you’ll be on the standard variable rate which is 1.05%.

All rates are Gross/AER.

Interest rates for 18 month term Fixed Rate Saver accounts opened in 2025

Date effective from

Annual interest

Monthly interest

18 August - Present

4.05%

3.98%

3 July - 17 August

3.70%

4.64%

15 May - 2 July

3.95%

3.88%

10 April - 14 May

4.00%

3.93%

16 January - 9 April

4.20%

4.12%

1 January - 15 January

4.00%

3.93%

If your term has already ended, you’ll be on the standard variable rate which is 1.05%.

All rates are Gross/AER.

Interest rates for 18 month term Fixed Rate Saver accounts opened in 2024

Date effective from

Annual interest

Monthly interest

26 November - 31 December

4.00%

3.93%

22 October - 25 November

4.20%

4.12%

9 October - 21 October

4.35%

4.27%

27 August - 8 October

4.45%

4.36%

8 August - 26 August

4.50%

4.41%

28 May - 7 August

4.65%

4.55%

8 May - 27 May

4.75%

4.65%

27 March - 7 May

4.80%

4.70%

28 February - 26 March

4.65%

4.55%

24 January - 27 February

4.50%

4.41%

10 January - 23 January

4.70%

4.60%

1 January - 9 January

5.00%

4.89%

If your term has already ended, you’ll be on the standard variable rate which is 1.05%.

All rates are Gross/AER.

Interest rates for 18 month term Fixed Rate Saver accounts opened in 2023

Date effective from

Annual interest

Monthly interest

7 November - 31 December

5.00%

4.89%

3 October - 6 November

5.25%

5.13%

19 October - 2 October

5.45%

5.32%

24 August - 18 October

5.55%

5.41%

15 August - 23 August

5.70%

5.56%

18 July - 14 August

5.80%

5.65%

3 July - 17 July

5.40%

5.27%

21 June - 2 July

5.15%

5.03%

31 May - 20 June

4.80%

4.70%

23 May - 30 May

4.58%

4.49%

9 May - 22 May

4.45%

4.36%

26 April - 8 May

4.25%

4.17%

28 February - 25 April

4.10%

4.03%

15 February - 27 February

4.05%

3.98%

31 January - 14 February

3.95%

3.88%

1 January - 30 January

3.85%

3.78%

If your term has already ended, you’ll be on the standard variable rate which is 1.05%.

All rates are Gross/AER.

Interest rates for 18 month term Fixed Rate Saver accounts opened in 2022

Date effective from

Annual interest

Monthly interest

8 December - 31 December

3.85%

3.78%

24 November - 7 December

3.75%

3.69%

15 November - 23 November

3.90%

3.83%

27 October - 14 November

4.00%

3.93%

18 October - 26 October

4.50%

4.41%

13 October - 17 October

3.75%

3.69%

4 October - 12 October

3.25%

3.20%

31 August - 3 October

3.10%

3.06%

23 August - 30 August

2.80%

2.76%

30 June - 22 August

2.56%

2.53%

31 May - 29 June

2.41%

2.38%

11 May - 30 May

2.15%

2.13%

3 May - 10 May

2.01%

1.99%

21 April - 2 May

1.73%

1.72%

5 April - 20 April

1.60%

1.59%

17 March - 4 April

1.40%

1.39%

1 January - 16 March

1.10%

1.09%

If your term has already ended, you’ll be on the standard variable rate which is 1.05%.

All rates are Gross/AER.

Interest rates for 18 month term Fixed Rate Saver accounts opened in 2021

Date effective from

Annual interest

Monthly interest

3 December - 31 December

1.10%

1.10%

12 November - 2 December

0.90%

0.90%

28 September - 11 November

0.75%

0.75%

1 September - 27 September

0.90%

0.90%

26 July - 31 August

0.70%

0.70%

8 July - 25 July

0.62%

0.62%

17 June - 7 July

0.45%

0.45%

16 February - 16 June

0.35%

0.35%

8 January - 15 February

0.40%

0.40%

1 January - 7 January

0.50%

0.50%

2 year term

If your term has already ended, you’ll be on the standard variable rate which is 1.05%.

All rates are Gross/AER.

Interest rates for 2 year term Fixed Rate Saver accounts opened in 2025

Date effective from

Annual interest

Monthly interest

18 August - Present

4.01%

3.94%

3 July - 17 August

3.60%

3.54%

15 May - 2 July

3.90%

3.83%

10 April - 14 May

4.95%

3.88%

4 February - 9 April

4.15%

4.07%

16 January - 3 February

4.05%

3.98%

1 January - 15 January

3.85%

3.78%

If your term has already ended, you’ll be on the standard variable rate which is 1.05%.

All rates are Gross/AER.

Interest rates for 2 year term Fixed Rate Saver accounts opened in 2024

Date effective from

Annual interest

Monthly interest

26 November - 31 December

3.85%

3.78%

22 October - 25 November

4.05%

3.98%

9 October - 21 October

4.20%

4.12%

27 August - 8 October

4.30%

4.22%

8 August - 26 August

4.35%

4.27%

28 May - 7 August

4.50%

4.41%

17 April - 27 May

4.60%

4.51%

27 March - 16 April

4.71%

4.61%

28 February - 26 March

4.50%

4.41%

24 January - 27 February

4.30%

4.22%

10 January - 23 January

4.50%

4.41%

1 January - 9 January

4.80%

4.70%

If your term has already ended, you’ll be on the standard variable rate which is 1.05%.

All rates are Gross/AER.

Interest rates for 2 year term Fixed Rate Saver accounts opened in 2023

Date effective from

Annual interest

Monthly interest

7 November - 31 December

4.80%

4.70%

3 October - 6 November

5.10%

4.98%

19 September - 2 October

5.30%

5.18%

24 August - 18 September

5.50%

5.37%

15 August - 23 August

5.65%

5.51%

18 July - 14 August

5.75%

5.60%

3 July - 17 July

5.40%

5.27%

21 June - 2 July

5.15%

5.03%

31 May - 20 June

4.80%

4.70%

23 May - 30 May

4.60%

4.51%

9 May - 22 May

4.50%

4.41%

26 April - 8 May

4.30%

4.22%

28 February - 25 April

4.15%

4.07%

15 February - 27 February

4.10%

4.03%

1 January - 14 February

4.00%

3.93%

If your term has already ended, you'll be on the standard variable rate which is 1.05%.

All rates are Gross/AER.

Interest rates for 2 year term Fixed Rate Saver accounts opened in 2022

Date effective from

Annual interest

Monthly interest

8 December - 31 December

4.00%

3.93%

24 November - 7 December

3.80%

3.74%

15 November - 23 November

4.55%

4.46%

27 October - 14 November

4.65%

4.55%

18 October - 26 October

4.77%

4.67%

13 October - 17 October

4.41%

4.32%

6 October - 12 October

4.31%

4.23%

21 September - 5 October

3.53%

3.47%

31 August - 20 September

3.45%

3.40%

23 August - 30 August

3.30%

3.25%

11 August - 22 August

3.06%

3.02%

26 July - 10 August

3.01%

2.97%

12 July - 25 July

2.91%

2.87%

30 June - 11 July

2.89%

2.85%

23 June - 29 June

2.80%

2.76%

31 May - 22 June

2.71%

2.68%

11 May - 30 May

2.41%

2.38%

3 May - 10 May

2.26%

2.24%

21 April - 2 May

2.12%

2.10%

5 April - 20 April

2.01%

1.99%

17 March - 20 April

1.81%

1.80%

10 March - 16 March

1.65%

1.64%

17 February - 9 March

1.55%

1.54%

1 January - 16 February

1.20%

1.19%

If your term has already ended, you'll be on the standard variable rate which is 1.05%.

All rates are Gross/AER.

Fixed Rate Saver, 2 year term, 2021

Date effective from

Annual interest

Monthly interest

3 December - 31 December

1.20%

1.19%

12 November - 2 December

1.00%

1.00%

28 September - 11 November

0.85%

0.85%

1 September - 27 September

1.00%

1.00%

26 July - 31 August

0.75%

0.75%

8 July - 25 July

0.68%

0.68%

17 June - 7 July

0.50%

0.50%

16 February - 16 June

0.40%

0.40%

8 January - 15 February

0.45%

0.45%

1 January - 7 January

0.60%

0.60%

3 year term

If your term has already ended, you'll be on the standard variable rate which is 1.05%.

All rates are Gross/AER.

Interest rates for 3 year term Fixed Rate Saver accounts opened in 2025

Date effective from

Annual interest

Monthly interest

15 May - Present

4.01%

3.94%

10 April - 14 May

3.90%

4.03%

4 February - 9 April

4.10%

3.93%

16 January - 3 February

4.00%

3.64%

1 January - 15 January

3.70%

3.78%

If your term has already ended, you'll be on the standard variable rate which is 1.05%.

All rates are Gross/AER.

Interest rates for 3 year term Fixed Rate Saver accounts opened in 2024

Date effective from

Annual interest

Monthly interest

26 November - 31 December

3.70%

3.64%

22 October - 25 November

3.85%

3.78%

9 October - 21 October

4.00%

3.93%

27 August - 8 October

4.10%

4.03%

8 August - 26 October

4.15%

4.07%

28 May - 7 August

4.30%

4.22%

17 April - 27 May

4.40%

4.31%

27 March - 16 April

4.50%

4.41%

28 February - 26 March

4.30%

4.22%

24 January - 27 February

4.15%

4.07%

10 January - 23 January

4.35%

4.27%

1 January - 9 January

4.60%

4.51%

If your term has already ended, you'll be on the standard variable rate which is 1.05%.

All rates are Gross/AER.

Interest rates for 3 year term Fixed Rate Saver accounts opened in 2023

Date effective from

Annual interest

Monthly interest

7 November - 31 December

4.60%

4.51%

3 October - 6 November

4.85%

4.75%

19 September - 2 October

5.10%

4.98%

24 August - 18 September

5.30%

5.18%

15 August - 23 August

5.50%

5.37%

18 July - 14 August

5.70%

5.56%

3 July - 17 July

5.40%

5.27%

21 June - 2 July

5.15%

5.03%

31 May - 20 June

4.80%

4.70%

23 May - 30 May

4.65%

4.55%

9 May - 22 May

4.55%

4.46%

26 April - 8 May

4.35%

4.27%

28 February - 25 April

4.20%

4.12%

15 February - 27 February

4.15%

4.07%

1 January - 14 February

4.05%

3.98%

If your term has already ended, you'll be on the standard variable rate which is 1.05%.

All rates are Gross/AER.

Interest rates for 3 year term Fixed Rate Saver accounts opened in 2022

Date effective from

Annual interest

Monthly interest

8 December - 31 December

4.05%

3.98%

24 November - 7 December

3.84%

3.77%

15 November - 23 November

4.65%

4.55%

27 October - 14 November

4.75%

4.65%

18 October - 26 October

4.87%

4.76%

13 October - 17 October

4.48%

4.39%

6 October - 12 October

4.41%

4.32%

21 September - 5 October

3.57%

3.51%

31 August - 20 September

3.50%

3.44%

23 August - 30 August

3.35%

3.30%

11 August - 22 August

3.15%

3.11%

26 July - 10 August

3.05%

3.01%

12 July - 25 July

2.96%

2.92%

30 June - 11 July

2.92%

2.88%

23 June - 29 June

2.82%

2.78%

31 May - 22 June

2.76%

2.73%

11 May - 30 May

2.50%

2.47%

3 May - 10 May

2.28%

2.26%

21 April - 2 May

2.21%

2.19%

5 April - 20 April

2.11%

2.09%

17 March - 4 April

1.91%

1.89%

10 March - 16 March

1.75%

1.74%

17 February - 9 March

1.60%

1.59%

1 January - 16 February

1.30%

1.29%

If your term has already ended, you'll be on the standard variable rate which is 1.05%.

All rates are Gross/AER.

Interest rates for 3 year term Fixed Rate Saver accounts opened in 2021

Date effective from

Annual interest

Monthly interest

3 December - 31 December

1.30%

1.29%

12 November - 2 December

1.10%

1.09%

28 September - 11 November

0.95%

0.95%

1 September - 27 September

1.10%

1.09%

26 July - 31 July

0.85%

0.85%

8 July - 25 July

0.78%

0.78%

17 June - 7 July

0.55%

0.55%

16 February - 16 June

0.45%

0.45%

8 January - 15 February

0.55%

0.55%

1 January - 8 January

0.65%

0.65%

5 year term

If your term has already ended, you'll be on the standard variable rate which is 1.05%.

All rates are Gross/AER.

Interest rates for 5 year term Fixed Rate Saver accounts opened in 2025

Date effective from

Annual interest

Monthly interest

18 August - Present

4.05%

3.98%

3 July - 17 August

3.60%

3.54%

10 April - 2 July

3.80%

3.74%

4 February - 9 April

4.01%

3.94%

16 January - 3 February

3.90%

3.83%

1 January - 15 January

3.55%

3.49%

If your term has already ended, you'll be on the standard variable rate which is 1.05%.

All rates are Gross/AER.

Interest rates for 5 year term Fixed Rate Saver accounts opened in 2024

Date effective from

Annual interest

Monthly interest

26 November - 31 December

3.55%

3.49%

22 October - 25 November

3.70%

3.64%

27 August - 21 October

3.80%

3.74%

8 August - 26 October

3.85%

3.78%

28 May - 7 August

4.00%

3.93%

17 April - 27 May

4.10%

4.03%

27 March - 16 April

4.20%

4.12%

28 February - 26 March

4.00%

3.93%

24 January - 27 February

3.80%

3.74%

10 January - 23 January

4.00%

3.93%

1 January - 9 January

4.30%

4.22%

If your term has already ended, you'll be on the standard variable rate which is 1.05%.

All rates are Gross/AER.

Interest rates for 5 year term Fixed Rate Saver accounts opened in 2023

Date effective from

Annual interest

Monthly interest

7 November - 31 December

4.30%

4.22%

3 October - 6 November

4.50%

4.41%

19 September - 2 October

4.75%

4.65%

24 August - 18 September

5.00%

4.89%

15 August - 23 August

5.25%

5.13%

18 July - 14 August

5.65%

5.51%

3 July - 17 July

5.40%

5.27%

21 June - 2 July

5.15%

5.03%

31 May - 20 June

4.80%

4.70%

23 May - 30 May

4.70%

4.60%

9 May - 22 May

4.60%

4.51%

26 April - 8 May

4.40%

4.31%

28 February - 25 April

4.25%

4.17%

15 February - 27 February

4.20%

4.12%

1 January - 14 February

4.10%

4.03%

If your term has already ended, you'll be on the standard variable rate which is 1.05%.

All rates are Gross/AER.

Interest rates for 5 year term Fixed Rate Saver accounts opened in 2022

Date effective from

Annual interest

Monthly interest

8 December - 31 December

4.10%

4.03%

24 November - 7 December

3.89%

3.82%

15 November - 23 November

4.70%

4.60%

27 October - 14 November

4.80%

4.70%

18 October - 26 October

4.80%

4.84%

13 October - 17 October

4.57%

4.48%

6 October - 12 October

4.51%

4.42%

21 September - 5 October

3.62%

3.56%

31 August - 20 September

3.55%

3.49%

23 August - 30 August

3.40%

3.35%

11 August - 22 August

3.17%

3.12%

26 July - 10 August

3.11%

3.07%

12 July - 25 July

3.01%

2.97%

30 June - 11 July

2.95%

2.91%

23 June - 29 June

2.85%

2.81%

31 May - 22 June

2.81%

2.77%

11 May - 30 May

2.55%

2.52%

3 May - 10 May

2.34%

2.32%

21 April - 2 May

2.25%

2.23%

5 April - 20 April

2.20%

2.18%

17 March - 4 April

2.00%

1.98%

10 March - 16 March

1.85%

1.83%

17 February - 9 March

1.65%

1.64%

1 January - 16 February

1.40%

1.39%

If your term has already ended, you'll be on the standard variable rate which is 1.05%.

All rates are Gross/AER.

Interest rates for 5 year term Fixed Rate Saver accounts opened in 2021

Date effective from

Annual interest

Monthly interest

3 December - 31 December

1.40%

1.39%

12 November - 2 December

1.15%

1.14%

28 September - 11 November

1.10%

1.10%

1 September - 27 September

1.20%

1.19%

8 July - 31 August

1.00%

1.00%

17 June - 7 July

0.75%

0.75%

8 January - 15 February

0.60%

0.60%

1 January - 8 January

0.70%

0.70%

Useful definitions

Annual Equivalent Rate (AER) illustrates what the interest rate would be if paid and compounded each year.

Gross is the interest rate paid before tax is deducted.