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Useful Information
Previous interest rates
Useful Information
| Amount | Previous Gross Rate % p.a. | Previous AER % (Variable) | Previous Net % p.a. | Previous Rates Effective From | ||||
|---|---|---|---|---|---|---|---|---|
| Direct Saver (Annual Interest) | ||||||||
| £50,000 + | 2.70 | 2.70 | 2.16 | 01/12/2008 | ||||
| £25,000 - £49,999 | 2.35 | 2.35 | 1.88 | 01/12/2008 | ||||
| £10,000 - £24,999 | 2.20 | 2.20 | 1.76 | 01/12/2008 | ||||
| £1 - £9,999 | 1.95 | 1.95 | 1.56 | 01/12/2008 | ||||
| Direct Saver (Annual Interest including bonus) | ||||||||
| £50,000 + | 4.00 | 4.00 | 3.20 | 01/12/2008 | ||||
| £25,000 - £49,999 | 3.65 | 3.65 | 2.92 | 01/12/2008 | ||||
| £10,000 - £24,999 | 3.50 | 3.50 | 2.80 | 01/12/2008 | ||||
| £1 - £9,999 | 3.25 | 3.25 | 2.60 | 01/12/2008 | ||||
Bonus of 1.30% gross is for customers who opened a Direct Saver account between 19 September 2008 - 01 January 2009. Interest is paid annually to the account. The bonus interest will be applied from the last business day of the month following the month in which your account is opened. It will be paid in two instalments, in April 2009 and April 2010, along with the standard interest payment. The Gross and AER rates are applicable from the start date of the bonus. This limited period offer is now closed. Last updated on: 02 January 2009. | ||||||||
| Telephone Saver | ||||||||
| £50,000 + | 2.50 | 2.50 | 2.00 | 01/12/2008 | ||||
| £10,000 - £49,999 | 2.00 | 2.00 | 1.60 | 01/12/2008 | ||||
| £1 - £9,999 | 1.75 | 1.75 | 1.40 | 01/12/2008 | ||||
Last updated on 02 January 2009 | ||||||||
| Instant Access Savings Account (Annual Interest) | ||||||||
| £1 + | 0.30 | 0.30 | 0.24 | 01/12/2008 | ||||
Last updated on 02 January 2009 | ||||||||
| Offset Instant Access Savings Account (Monthly Interest) | ||||||||
| £1 + | 0.30 | 0.30 | 0.24 | 01/12/2008 | ||||
Last updated on 02 January 2009 | ||||||||
| Bonus 30 Account (Annual Interest) * | ||||||||
| £100,000 + | 2.30 | 1.30 | 1.84 | 01/12/2008 | ||||
| £50,000 - £99,999 | 2.25 | 1.25 | 1.80 | 01/12/2008 | ||||
| £25,000 - £49,999 | 1.95 | 0.95 | 1.56 | 01/12/2008 | ||||
| £10,000 - £24,999 | 1.65 | 0.65 | 1.32 | 01/12/2008 | ||||
| £1 - £9,999 | 1.40 | 0.40 | 1.12 | 01/12/2008 | ||||
*The gross and net rates for the current interest rates illustrate the interest rate when a full year's bonus is payable. A bonus of 1.00% gross per annum is paid annually on the last business day of March (where you have made no more than 4 withdrawals during the annual period) and is calculated on the daily cleared credit balance for that annual period (starting on the last business day of March). Last updated on 02 January 2009 | ||||||||
| Royalties Saver Account (Annual Interest) | ||||||||
| £250,000 + | 2.10 | 2.10 | 1.68 | 01/12/2008 | ||||
| £100,000 - £249,999 | 2.00 | 2.00 | 1.60 | 01/12/2008 | ||||
| £50,000 - £99,999 | 1.90 | 1.90 | 1.52 | 01/12/2008 | ||||
| £25,000 - £49,999 | 1.80 | 1.80 | 1.44 | 01/12/2008 | ||||
| £2,000 - £24,999 | 1.60 | 1.60 | 1.28 | 01/12/2008 | ||||
| £0 - £1,999 | 0.10 | 0.10 | 0.08 | 01/12/2008 | ||||
We calculate interest on a daily basis. We add this interest to your account (or to another account held at the same branch) annually at the end of March. This account is only available to Royalties Gold, and Royalties Private account holders and those we invite to open an account. Last updated on 02 January 2009 | ||||||||
| Royalties Saver Account (Annual Interest) with 2% Bonus | ||||||||
| £250,000 + | 4.10 | 3.10 | 3.28 | 01/12/2008 | ||||
| £100,000 - £249,999 | 4.00 | 3.00 | 3.20 | 01/12/2008 | ||||
| £50,000 - £99,999 | 3.90 | 2.90 | 3.12 | 01/12/2008 | ||||
| £25,000 - £49,999 | 3.80 | 2.80 | 3.04 | 01/12/2008 | ||||
| £2,000 - £24,999 | 3.60 | 2.60 | 2.88 | 01/12/2008 | ||||
| £0 - £1,999 | 0.10 | 0.10 | 0.08 | 01/12/2008 | ||||
A bonus equivalent to 2.00% gross p.a. is payable for the first six months from account opening on accounts opened from 18 December 2008. The bonus is only applicable on minimum balances of £2,000 or more and will be paid in two instalments at the end of March 2009 and March 2010, along with the standard interest payment. AERs including conditional bonus have been calculated from the start date of the bonus. Offer may be withdrawn at any time. Last updated on 02 January 2009 | ||||||||
| Instant Access Cash ISA (Annual Interest) | ||||||||
| £24,000 + | 3.25 | 3.25 | n/a | 01/12/2008 | ||||
| £15,000 - £23,999 | 2.95 | 2.95 | n/a | 01/12/2008 | ||||
| £9,000 - £14,999 | 2.65 | 2.65 | n/a | 01/12/2008 | ||||
| £3,000 - £8,999 | 2.45 | 2.45 | n/a | 01/12/2008 | ||||
| £1 - £2,999 | 2.25 | 2.25 | n/a | 01/12/2008 | ||||
| Instant Access Cash ISA (Annual Interest with 1.75% bonus)* | ||||||||
| £24,000 + | 5.00 | 5.00 | n/a | 01/12/2008 | ||||
| £15,000 - £23,999 | 4.70 | 4.70 | n/a | 01/12/2008 | ||||
| £9,000 - £14,999 | 4.40 | 4.40 | n/a | 01/12/2008 | ||||
| £3,000 - £8,999 | 4.20 | 4.20 | n/a | 01/12/2008 | ||||
| £1 - £2,999 | 4.00 | 4.00 | n/a | 01/12/2008 | ||||
*For customers who apply to transfer from 10 November 2008 until 18 December 2008. | ||||||||
| Instant Access Cash ISA (Annual Interest with 2% bonus)** | ||||||||
| £24,000 + | 5.25 | 5.25 | n/a | 01/12/2008 | ||||
| £15,000 - £23,999 | 4.95 | 4.95 | n/a | 01/12/2008 | ||||
| £9,000 - £14,999 | 4.65 | 4.65 | n/a | 01/12/2008 | ||||
| £3,000 - £8,999 | 4.45 | 4.45 | n/a | 01/12/2008 | ||||
| £1 - £2,999 | 4.25 | 4.25 | n/a | 01/12/2008 | ||||
**For customers who applied to transfer from 18 September 2008 until 09 November 2008. How it's calculated - we apply the bonus from the date we receive your Cash ISA transfer form. However, the 12 month period starts when we receive the funds from your old Cash ISA provider. So you could get our market-leading rate for longer than 12 months. Paying your interest and bonus - we pay the interest annually to the account, or another account at the same branch. We'll pay the bonus in two instalments - at the end of March 2009 and March 2010. Eligible transfers - the bonus is for customers transferring in ISA funds from another provider. This excludes transfers within the RBS Group (including NatWest). This limited period offer is now closed. Last updated on 02 January 2009 | ||||||||
| Instant Savings Tracker (Annual Interest) Excluding Conditional Bonus | ||||||||
| £50,000 + | 1.75 | 1.75 | 1.40 | 01/12/2008 | ||||
| £25,000 - £49,999 | 1.50 | 1.50 | 1.20 | 01/12/2008 | ||||
| £10,000 - £24,999 | 1.25 | 1.25 | 1.00 | 01/12/2008 | ||||
| £5,000 - £9,999 | 0.65 | 0.65 | 0.52 | 01/12/2008 | ||||
| £500 - £4,999 | 0.40 | 0.40 | 0.32 | 01/12/2008 | ||||
| £1 - £499 | 0.30 | 0.30 | 0.24 | 01/12/2008 | ||||
| Instant Savings Tracker (Annual Interest) Including 1.50% Conditional Bonus | ||||||||
| £50,000 + | 3.25 | 2.50 | 2.60 | 01/12/2008 | ||||
| £25,000 - £49,999 | 3.00 | 2.25 | 2.40 | 01/12/2008 | ||||
| £10,000 - £24,999 | 2.75 | 2.00 | 2.20 | 01/12/2008 | ||||
| £5,000 - £9,999 | 2.15 | 1.40 | 1.72 | 01/12/2008 | ||||
| £500 - £4,999 | 1.90 | 1.15 | 1.52 | 01/12/2008 | ||||
| £1 - £499 | 0.30 | 0.30 | 0.24 | 01/12/2008 | ||||
Last updated on 02 January 2009 | ||||||||
| Private Banking Deposit Account (Monthly Interest) | ||||||||
| £1,000,000 + | 2.47 | 2.50 | 1.98 | 01/12/2008 | ||||
| £100,000 - £999,999 | 2.03 | 2.05 | 1.62 | 01/12/2008 | ||||
| £50,000 - £99,999 | 1.79 | 1.80 | 1.43 | 01/12/2008 | ||||
| £25,000 - £49,999 | 1.54 | 1.55 | 1.23 | 01/12/2008 | ||||
| £10,000 - £24,999 | 1.29 | 1.30 | 1.03 | 01/12/2008 | ||||
| £5,000 - £9,999 | 1.04 | 1.04 | 0.83 | 01/12/2008 | ||||
| £1 - £4,999 | 0.80 | 0.80 | 0.64 | 01/12/2008 | ||||
| First Home Saver (Annual Interest) Excluding Conditional Bonus | ||||||||
| £50,000 + | 1.75 | 1.75 | 1.40 | 01/12/2008 | ||||
| £25,000 - £49,999 | 1.50 | 1.50 | 1.20 | 01/12/2008 | ||||
| £10,000 - £24,999 | 1.25 | 1.25 | 1.00 | 01/12/2008 | ||||
| £5,000 - £9,999 | 0.65 | 0.65 | 0.52 | 01/12/2008 | ||||
| £500 - £4,999 | 0.40 | 0.40 | 0.32 | 01/12/2008 | ||||
| £1 - £499 | 0.30 | 0.30 | 0.24 | 01/12/2008 | ||||
| First Home Saver (Annual Interest) Including 1.50% Conditional Bonus | ||||||||
| £50,000 + | 3.25 | 2.50 | 2.60 | 01/12/2008 | ||||
| £25,000 - £49,999 | 3.00 | 2.25 | 2.40 | 01/12/2008 | ||||
| £10,000 - £24,999 | 2.75 | 2.00 | 2.20 | 01/12/2008 | ||||
| £5,000 - £9,999 | 2.15 | 1.40 | 1.72 | 01/12/2008 | ||||
| £500 - £4,999 | 1.90 | 1.15 | 1.52 | 01/12/2008 | ||||
| £1 - £499 | 0.30 | 0.30 | 0.24 | 01/12/2008 | ||||
| Rainbow Savings account (Annual Interest) | ||||||||
| £1 + | 2.35 | 2.35 | 1.88 | 01/12/2008 | ||||
Last updated on 02 January 2009 | ||||||||
Gross rate
Gross rate means the interest rate you are paid before the deductions of the income tax.
Annual Equivalent Rate (AER)
This is the notional rate used for interest bearing accounts which illustrates what the gross credit interest rate (excluding any bonus payable) would be if paid and compounded on an annual basis.
Net Rate
This is the interest rate you are paid after the deduction of income tax.
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