Save again and earn interest
Your Fixed Term Deposit is about to end, which means it's maturing. You have several options:
Put your savings into a new Fixed Term Deposit Account
Update your maturity instruction
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Fixed Term Deposit Account
These interest rates apply to Sterling deposits only with a minimum balance of £10,000 and maximum balance of £5m.
AER1
Gross p.a.2
Term length
AER1
1.41%
Gross p.a.2
1.40%
Term length
3 months
AER1
2.25%
Gross p.a.2
2.24%
Term length
6 months
AER1
2.25%
Gross p.a.2
2.24%
Term length
9 months
AER1
2.24%
Gross p.a.2
2.24%
Term length
12 months
AER1
2.25%
Gross p.a.2
2.24%
Term length
Fixed until 11/03/2026
AER1
2.24%
Gross p.a.2
2.24%
Term length
Fixed until 28/10/2026
Interest rates stated above are available as at 08/08/2025 and expire on 18/09/2025 but may be subject to change. Once you open your deposit account, the interest rate is fixed, so will stay the same throughout your chosen term.
Interest is calculated as follows: Interest rate multiplied by the number of days of the fixed term divided by 365 days then multiplied by the initial deposit amount. For example, a £10,000 deposit for 3 months at a 2.50% interest rate would be calculated as follows: 2.50% x (91/365) x £10,000.
Interest is paid at the end of the agreed term.
If you need more information or need to discuss alternative dates or terms, please call us on 0345 604 5539. We are available 8am to 5pm Monday to Friday.
Notice Account
The interest rates shown in the table are variable.
These interest rates apply to Sterling deposits only with a minimum balance of £10,000 and maximum balance of £5m. Interest is calculated and paid to your account daily (unless otherwise agreed). The interest rate is set and managed by Bank of Scotland.
AER1
GROSS p.a.2
Notice period
AER1
1.97%
GROSS p.a.2
1.95%
Notice period
32 days’ notice required to make withdrawal or close the account
AER1
2.77%
GROSS p.a.2
2.73%
Notice period
95 days’ notice required to make a withdrawal or close the account
Interest rates stated above are available as at 08/08/2025 and expire on 18/09/2025 but may be subject to change.
Instant Access Account
The interest rates shown in the table are variable.
Current interest rates
Business instant access account Interest paid monthly
AER (%)The AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if paid and compounded on an annual basis. As every advert for a savings product will contain an AER you will be able to compare more easily what return you can expect from your savings over time.
Gross (%)Gross rate means that no tax will be automatically deducted from interest on your behalf. You are responsible for paying any tax due to HM Revenue and Customs.
Interest paid monthly
£20,000,000+
AER (%)The AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if paid and compounded on an annual basis. As every advert for a savings product will contain an AER you will be able to compare more easily what return you can expect from your savings over time.
1.61%
Gross (%)Gross rate means that no tax will be automatically deducted from interest on your behalf. You are responsible for paying any tax due to HM Revenue and Customs.
1.60%
Interest paid monthly
£10,000,000+
AER (%)The AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if paid and compounded on an annual basis. As every advert for a savings product will contain an AER you will be able to compare more easily what return you can expect from your savings over time.
1.51%
Gross (%)Gross rate means that no tax will be automatically deducted from interest on your behalf. You are responsible for paying any tax due to HM Revenue and Customs.
1.50%
Interest paid monthly
£1,000,000+
AER (%)The AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if paid and compounded on an annual basis. As every advert for a savings product will contain an AER you will be able to compare more easily what return you can expect from your savings over time.
1.26%
Gross (%)Gross rate means that no tax will be automatically deducted from interest on your behalf. You are responsible for paying any tax due to HM Revenue and Customs.
1.25%
Interest paid monthly
£500,000+
AER (%)The AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if paid and compounded on an annual basis. As every advert for a savings product will contain an AER you will be able to compare more easily what return you can expect from your savings over time.
0.90%
Gross (%)Gross rate means that no tax will be automatically deducted from interest on your behalf. You are responsible for paying any tax due to HM Revenue and Customs.
0.90%
Interest paid monthly
£100,000+
AER (%)The AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if paid and compounded on an annual basis. As every advert for a savings product will contain an AER you will be able to compare more easily what return you can expect from your savings over time.
0.80%
Gross (%)Gross rate means that no tax will be automatically deducted from interest on your behalf. You are responsible for paying any tax due to HM Revenue and Customs.
0.80%
Interest paid monthly
£1+
AER (%)The AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if paid and compounded on an annual basis. As every advert for a savings product will contain an AER you will be able to compare more easily what return you can expect from your savings over time.
0.70%
Gross (%)Gross rate means that no tax will be automatically deducted from interest on your behalf. You are responsible for paying any tax due to HM Revenue and Customs.
0.70%
These interest rates are correct as at 05 June 2025. Interest is calculated daily and paid monthly.
Interest rates with effect from 09 September 2025
Please note that with effect from 09 September 2025, the rates of credit interest and interest tiers for this product will change to those shown below:
Business instant access account Interest paid monthly
AER (%)The AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if paid and compounded on an annual basis. As every advert for a savings product will contain an AER you will be able to compare more easily what return you can expect from your savings over time.
Gross (%)Gross rate means that no tax will be automatically deducted from interest on your behalf. You are responsible for paying any tax due to HM Revenue and Customs.
Interest paid monthly
£20,000,000+
AER (%)The AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if paid and compounded on an annual basis. As every advert for a savings product will contain an AER you will be able to compare more easily what return you can expect from your savings over time.
1.41%
Gross (%)Gross rate means that no tax will be automatically deducted from interest on your behalf. You are responsible for paying any tax due to HM Revenue and Customs.
1.40%
Interest paid monthly
£10,000,000+
AER (%)The AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if paid and compounded on an annual basis. As every advert for a savings product will contain an AER you will be able to compare more easily what return you can expect from your savings over time.
1.31%
Gross (%)Gross rate means that no tax will be automatically deducted from interest on your behalf. You are responsible for paying any tax due to HM Revenue and Customs.
1.30%
Interest paid monthly
£1,000,000+
AER (%)The AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if paid and compounded on an annual basis. As every advert for a savings product will contain an AER you will be able to compare more easily what return you can expect from your savings over time.
1.06%
Gross (%)Gross rate means that no tax will be automatically deducted from interest on your behalf. You are responsible for paying any tax due to HM Revenue and Customs.
1.05%
Interest paid monthly
£500,000+
AER (%)The AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if paid and compounded on an annual basis. As every advert for a savings product will contain an AER you will be able to compare more easily what return you can expect from your savings over time.
0.80%
Gross (%)Gross rate means that no tax will be automatically deducted from interest on your behalf. You are responsible for paying any tax due to HM Revenue and Customs.
0.80%
Interest paid monthly
£100,000+
AER (%)The AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if paid and compounded on an annual basis. As every advert for a savings product will contain an AER you will be able to compare more easily what return you can expect from your savings over time.
0.70%
Gross (%)Gross rate means that no tax will be automatically deducted from interest on your behalf. You are responsible for paying any tax due to HM Revenue and Customs.
0.70%
Interest paid monthly
£1+
AER (%)The AER stands for Annual Equivalent Rate and is the notional rate which illustrates the gross rate as if paid and compounded on an annual basis. As every advert for a savings product will contain an AER you will be able to compare more easily what return you can expect from your savings over time.
0.60%
Gross (%)Gross rate means that no tax will be automatically deducted from interest on your behalf. You are responsible for paying any tax due to HM Revenue and Customs.
0.60%
These interest rates will apply from 09 September 2025. Interest is calculated daily and applied monthly.
1 AER – The AER stands for Annual Equivalent Rate and is the notional rate, which illustrates the gross rate as if paid and compounded on an annual basis. As every advert for a savings product will contain an AER, you’ll be able to compare more easily what return you can expect from your savings over time.
2 Gross Rate – Gross rate means that no tax will be automatically deducted from interest on your behalf. You are responsible for paying any tax due to HM Revenue and Customs.
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Fixed Term Deposit Accounts
For clients with an annual business turnover of £0-25million
Fixed Term Deposit product information factsheet (PDF, 160 KB)
Notice Accounts
For clients with an annual turnover of up to £25m
32 Day Notice Account product information factsheet (PDF, 184 KB)
95 Day Notice Account product information factsheet (PDF, 147 KB)
Fixed Term Deposit and Notice Account Terms and Conditions
Product Terms for Deposit Accounts (PDF, 374 KB)
Instant Access Account