Instant Access Account
Save without limiting your cash flow and with the reassurance that money is available when you need it.
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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.
1.81%
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.
1.80%
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.
1.71%
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.
1.70%
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.
1.46%
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.
1.45%
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.
1.00%
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.
1.00%
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.
0.90%
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
£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.
0.80%
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%
These interest rates are correct as at 15 April 2025. Interest is calculated daily and paid monthly.
Interest rates with effect from 05 June 2025
Please note that with effect from 05 June 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.
1.61%
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 will apply from 05 June 2025. Interest is calculated daily and applied monthly.
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Below is an example of what the future balance might be, after interest has been paid. These projections are provided for illustrative purposes only and do not take into account the individual circumstances of the customer.
Future balance based on current interest rates
Initial Deposit
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.
Balance at 12 months
Initial Deposit
£20,000,000
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.
1.80%
Balance at 12 months
£20,362,984.90
Initial Deposit
£10,000,000
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.
1.70%
Balance at 12 months
£10,171,330.86
Initial Deposit
£1,000,000
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.
1.45%
Balance at 12 months
£1,014,596.75
Initial Deposit
£500,000
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.
1.00%
Balance at 12 months
£505,022.98
Initial Deposit
£100,000
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%
Balance at 12 months
£100,903.72
Initial Deposit
£1,000
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%
Balance at 12 months
£1,008.03
Future balance based on interest rates with effect from 05 June 2025
Initial Deposit
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.
Balance at 12 months
Initial Deposit
£20,000,000
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%
Balance at 12 months
£20,322,357.13
Initial Deposit
£10,000,000
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%
Balance at 12 months
£10,151,035.56
Initial Deposit
£1,000,000
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%
Balance at 12 months
£1,012,571.86
Initial Deposit
£500,000
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%
Balance at 12 months
£504,518.61
Initial Deposit
£100,000
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%
Balance at 12 months
£100,802.94
Initial Deposit
£1,000
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%
Balance at 12 months
£1,007.02
This example assumed that:
- You don’t withdraw any money and interest isn't paid out of the account
- The interest rate stays the same
- Interest is paid monthly
- You make your initial deposit payment on the day you open the account
- You don’t make any further deposits
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Financial Services Compensation Scheme
Eligible deposits with Bank of Scotland plc are protected up to a total of £85,000. Due to FSCS eligibility criteria not all business customers will be covered.