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</ul> </div> </li> <li class="site-header_dropdown-item"> <div class="site-header_dropdown-info d-none d-xl-block"> <p class="h5">Useful information</p> <p></p> </div> <button class="site-header_sub-dropdown-open site-header_mobile-btn d-xl-none"> Useful information <span class="sr-only">mobile link</span> <i class="ca-chevron-down"></i> </button> <div class="site-header_sub-dropdown-links site-header_dropdown-links d-xl-block"> <ul class="list"> <li class="site-header_sub-dropdown-back navDropdownListItem navDropdownBack d-xl-none"> <button> <i class="ca-chevron-left"></i> Back to Useful information </button> </li> <li> <a class="link" href="/intermediaries/consumer-duty">Consumer Duty</a> </li> <li> <a class="link" href="/intermediaries/how-to-use-our-intermediary-portal">How to use our Intermediary Portal</a> </li> <li> <a class="link" href="/intermediaries/our-rate-changes">Our rate changes</a> </li> <li> <a class="link" href="/intermediaries/information-for-distributors">Information for distributors</a> </li> </ul> </div> </li> </ul> </div> </div> </li> <!-- Start primary navigation item --> <li class="site-header_primary-item site-header_item site-header--has-dropdown"> <button class="site-header_link link site-header_dropdown-toggle"> Banking support <i class="ca-chevron-down"></i> </button> <div class="site-header_dropdown"> <div class="site-header_dropdown-wrapper container-xxl"> <button class="site-header_dropdown-close d-none d-xl-flex"> <span>Close menu</span> <i class="ca-close"></i> </button> <ul class="site-header_dropdown-menu site-header--dropdown-grid list"> <li class="site-header_dropdown-back navDropdownListItem navDropdownBack d-xl-none"> <button> <i class="ca-chevron-left"></i> Back to Banking support </button> </li> <li class="site-header_dropdown-item"> <div class="site-header_dropdown-info d-none d-xl-block"> <a class="h5" href="/banking-support/account-support">Account support</a> 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href="/banking-support/account-support/maturing-fixed-term-deposit-faqs">Maturing fixed term deposit faqs</a> </li> <li> <a class="link" href="/banking-support/account-support/lost-or-dormant-accounts">Lost or dormant accounts</a> </li> <li> <a class="link" href="/banking-support/account-support/switching-your-current-account">Switching your current account</a> </li> <li> <a class="link" href="/banking-support/account-support/keeping-your-trust-account-information-up-to-date">Keeping your trust account information up-to-date</a> </li> <li> <a class="link" href="/banking-support/account-support/trusts-frequently-asked-questions">Trusts frequently asked questions</a> </li> <li> <a class="link" href="/banking-support/account-support/trusts-glossary-of-terms">Trusts glossary of terms</a> </li> </ul> </div> </li> <li class="site-header_dropdown-item"> <div class="site-header_dropdown-info d-none d-xl-block"> <a class="h5" href="/banking-support/payments">Payments</a> <p></p> </div> <button class="site-header_sub-dropdown-open site-header_mobile-btn d-xl-none"> Payments <span class="sr-only">mobile link</span> <i class="ca-chevron-down"></i> </button> <div class="site-header_sub-dropdown-links site-header_dropdown-links d-xl-block"> <ul class="list"> <li class="site-header_sub-dropdown-back navDropdownListItem navDropdownBack d-xl-none"> <button> <i class="ca-chevron-left"></i> Back to Payments </button> </li> <li> <a class="link" href="/banking-support/payments/changes-to-bulk-payments">Changes to bulk payments</a> </li> <li> <a class="link" href="/banking-support/payments/cheques">Cheques</a> </li> <li> <a class="link" href="/banking-support/payments/confirmation-of-payee">Confirmation of Payee</a> </li> <li> <a class="link" href="/banking-support/payments/direct-debits">Direct Debits</a> </li> <li> <a class="link" href="/banking-support/payments/foreign-payments-and-currencies">Foreign payments and currencies</a> </li> <li> <a class="link" href="/banking-support/payments/payment-services">Payment services</a> </li> <li> <a class="link" href="/banking-support/payments/standing-orders">Standing orders</a> </li> <li> <a class="link" href="/banking-support/payments/using-your-card-abroad">Using your card abroad</a> </li> <li> <a class="link" href="/banking-support/payments/visa-debit-card">VISA Debit Card</a> </li> </ul> </div> </li> <li class="site-header_dropdown-item"> <div class="site-header_dropdown-info d-none d-xl-block"> <a class="h5" href="/banking-support/literature-and-rates">Literature and rates</a> <p></p> </div> <button class="site-header_sub-dropdown-open site-header_mobile-btn d-xl-none"> Literature and rates <span class="sr-only">mobile link</span> <i class="ca-chevron-down"></i> </button> <div class="site-header_sub-dropdown-links site-header_dropdown-links d-xl-block"> <ul class="list"> <li class="site-header_sub-dropdown-back navDropdownListItem navDropdownBack d-xl-none"> <button> <i class="ca-chevron-left"></i> Back to Literature and rates </button> </li> <li> <a class="link" href="/banking-support/literature-and-rates/account-literature">Account literature</a> </li> <li> <a class="link" href="/banking-support/literature-and-rates/financial-crime-literature-updates">Financial crime literature updates</a> </li> <li> <a class="link" href="/banking-support/literature-and-rates/interest-rates">Interest rates</a> </li> <li> <a class="link" href="/banking-support/literature-and-rates/statement-of-fees">Statement of Fees</a> </li> </ul> </div> </li> <li class="site-header_dropdown-item"> <div class="site-header_dropdown-info d-none d-xl-block"> <a class="h5" href="/banking-support/our-service">Our service</a> <p></p> </div> <button class="site-header_sub-dropdown-open site-header_mobile-btn d-xl-none"> Our service <span class="sr-only">mobile link</span> <i class="ca-chevron-down"></i> </button> <div class="site-header_sub-dropdown-links site-header_dropdown-links 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Start primary navigation item --> <li class="site-header_primary-item site-header_item site-header--has-dropdown"> <button class="site-header_link link site-header_dropdown-toggle"> Financial wellbeing & support <i class="ca-chevron-down"></i> </button> <div class="site-header_dropdown"> <div class="site-header_dropdown-wrapper container-xxl"> <button class="site-header_dropdown-close d-none d-xl-flex"> <span>Close menu</span> <i class="ca-close"></i> </button> <ul class="site-header_dropdown-menu site-header--dropdown-grid list"> <li class="site-header_dropdown-back navDropdownListItem navDropdownBack d-xl-none"> <button> <i class="ca-chevron-left"></i> Back to Financial wellbeing & support </button> </li> <li class="site-header_dropdown-item"> <div class="site-header_dropdown-info d-none d-xl-block"> <a class="h5" href="/financial-wellbeing-and-support/life-events">Life events</a> <p></p> </div> <button class="site-header_sub-dropdown-open site-header_mobile-btn d-xl-none"> Life 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<a class="link" href="/fraud-and-security-centre">Fraud & Security Centre</a> </li> <li> <a class="link" href="/fraud-and-security-centre/all-customers/keeping-yourself-secure">Keeping yourself secure</a> </li> <li> <a class="link" href="/fraud-and-security-centre/all-customers/latest-fraud-updates">Latest fraud updates</a> </li> <li> <a class="link" href="/fraud-and-security-centre/all-customers/one-time-passcodes-otps">One Time Passcodes (OTPs)</a> </li> <li> <a class="link" href="/fraud-and-security-centre/all-customers/our-approach-to-reimbursing-authorised-push-payment-app-fraud">Our approach to reimbursing Authorised Push Payment (APP) fraud</a> </li> <li> <a class="link" href="/fraud-and-security-centre/all-customers/our-approach-to-security">Our approach to security</a> </li> <li> <a class="link" href="/fraud-and-security-centre/all-customers/take-five">Take Five</a> </li> <li> <a class="link" 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action="/umbraco/api/search/Search"> <div class="site-header_search-wrapper"> <label for="SearchTerm" class="sr-only">Mobile search</label> <input type="hidden" id="RootId" name="RootId" data-val="true" data-val-required="The Int32 field is required." value="1075" /> <input class="site-header_search-input" id="SearchTerm" name="SearchTerm" placeholder="Search" autocomplete="off"> <button class="site-header_search-button" type="submit" aria-label="Search site"> <i class="ca-search" aria-hidden="true"></i> </button> </div> <input name="__RequestVerificationToken" type="hidden" value="CfDJ8FPyJrAx_pFDoluMN3actFr56YO6iWX0Jv4-w1LdfzvHk0UpUbBBPLyUwe02CnDw7yKW-K81aGYx-fehXv9zPHKeQzPN9HgfVtlgIxFl1tO0aDVo2aKh8zpWA07y8PT8DQl0NAqtvJoNCnhiB2zRarg" /></form> </div> </div> </header> <main id="MainContent"> <div class="block-list_header"> <div class="bg- py-3 px-3" data-ui-component="headingBlock"> <div class="container-xxl"> <h1>Our rate changes</h1> </div> </div> </div> <nav class="breadcrumbs container-xxl py-4" aria-label="breadcrumb"> <ol class="breadcrumb"> <li class="breadcrumb-item"> <a href="/"> Home </a> </li> <li class="breadcrumb-item"> <a href="/intermediaries">Intermediaries</a> </li> <li class="breadcrumb-item active" aria-current="page"> Our rate changes </li> </ol> </nav> <div class="block-list_body"> <div class="bg- pt-3 pb-5 px-3" data-ui-component="richTextEditor"> <div class="container-xxl"> <header class="title-and-intro"> <h2>Our interest rate changes</h2> </header> <div class="rich-text-editor"> <p>On 7 August 2025 the Bank of England base rate went down from 4.25% to 4.00%.</p> <p>Some of our accounts have a variable interest rate. This means they can go up and down. You can see which account rates are changing in the tables below.</p> </div> </div> </div> <div class="bg- py-3 px-3" data-ui-component="accordion"> <div class="container-xxl"> <section class="accordion" aria-labelledby="accordion_header"> <div class="accordion_content "> <div class="accordion-flush" id="how-to-apply"> <article class="accordion-item"> <h2 class="accordion-header" id="accordion-header-c49b905b-3768-4478-9336-15f3f6c73766"> <button class="accordion-button collapsed" type="button" data-bs-toggle="collapse" data-bs-target="#accordion-content-c49b905b-3768-4478-9336-15f3f6c73766" aria-expanded="true" aria-controls="additional-info-accordion-content-3" data-ui-component="Accordion" data-ui-group="Additional information & interest rates" data-ui-title="Interest rates"> Personal Notice 35 Account </button> </h2> <section id="accordion-content-c49b905b-3768-4478-9336-15f3f6c73766" class="accordion-collapse collapse" aria-labelledby="accordion-header-c49b905b-3768-4478-9336-15f3f6c73766" data-bs-parent="#additional-info"> <div class="accordion-body"> <div class="rich-text-editor mb-4"> <h2>Personal Notice 35 Account (Issue 5) (available until 14 January 2026) - £ pounds</h2> <div class="rich-text-editor"></div> <table class="table--striped mt-5 interest-rates_table w-100" aria-label="Personal Notice 35 Account (Issue 5) (available until 14 January 2026) - £ pounds"> <caption class="sr-only">Personal Notice 35 Account (Issue 5) (available until 14 January 2026) - £ pounds</caption> <thead> <tr> <th>Balance</th> <th>Gross % p.a.</th> <th>AER % p.a.</th> </tr> </thead> <tbody> <tr> <td>£0+</td> <td>3.49%</td> <td>3.55%</td> </tr> </tbody> </table> <div class="rich-text-editor"><p><strong>The Personal Notice 35 Account (Issue 5) interest rate is available for all accounts that are open by close of business on 14 January 2026. For any accounts opened from 15 January 2026 onwards, the Personal Notice 35 Account (Issue 6) interest rate will apply.</strong></p> <p><strong>Rates may vary and are correct as at 19 December 2025.</strong></p> <ul> <li>Interest rates are variable.</li> <li>Interest is calculated daily and credited monthly.</li> </ul> <p>The gross rate is the interest rate we pay where no income tax has been deducted.</p> <p>AER stands for Annual Equivalent Rate and shows what the interest rate would be if we paid interest and added it to your account each year.</p></div> </div> <div class="rich-text-editor mb-4"> <h2>Personal Notice 35 Account (Issue 4) [Off Sale] - £ pounds</h2> <div class="rich-text-editor"></div> <table class="table--striped mt-5 interest-rates_table w-100" aria-label="Personal Notice 35 Account (Issue 4) [Off Sale] - £ pounds"> <caption class="sr-only">Personal Notice 35 Account (Issue 4) [Off Sale] - £ pounds</caption> <thead> <tr> <th>Balance</th> <th>Gross % p.a.</th> <th>AER % p.a.</th> </tr> </thead> <tbody> <tr> <td>£0+</td> <td>3.49%</td> <td>3.55%</td> </tr> </tbody> </table> <div class="rich-text-editor"><p><strong>The Personal Notice 35 Account (Issue 4) interest rate is available for all accounts that are open by close of business on 18 August 2025. For any accounts opened from 19 August 2025 onwards, the Personal Notice 35 Account (Issue 5) interest rate will apply.</strong></p> <p><strong>Rates may vary and are correct as at 2 October 2025.</strong></p> <ul> <li>Interest rates are variable.</li> <li>Interest is calculated daily and credited monthly.</li> </ul> <p>The gross rate is the interest rate we pay where no income tax has been deducted.</p> <p>AER stands for Annual Equivalent Rate and shows what the interest rate would be if we paid interest and added it to your account each year.</p></div> </div> </div> </section> </article> <article class="accordion-item"> <h2 class="accordion-header" id="accordion-header-ca4b2e1e-6b91-46de-b173-99d7d108a934"> <button class="accordion-button collapsed" type="button" data-bs-toggle="collapse" data-bs-target="#accordion-content-ca4b2e1e-6b91-46de-b173-99d7d108a934" aria-expanded="true" aria-controls="additional-info-accordion-content-3" data-ui-component="Accordion" data-ui-group="Additional information & interest rates" data-ui-title="Interest rates"> Business Notice 35 Account </button> </h2> <section id="accordion-content-ca4b2e1e-6b91-46de-b173-99d7d108a934" class="accordion-collapse collapse" aria-labelledby="accordion-header-ca4b2e1e-6b91-46de-b173-99d7d108a934" data-bs-parent="#additional-info"> <div class="accordion-body"> <div class="rich-text-editor mb-4"> <h2>Business Notice 35 Account (Issue 5) (available until 14 January 2026) - £ pounds</h2> <div class="rich-text-editor"></div> <table class="table--striped mt-5 interest-rates_table w-100" aria-label="Business Notice 35 Account (Issue 5) (available until 14 January 2026) - £ pounds"> <caption class="sr-only">Business Notice 35 Account (Issue 5) (available until 14 January 2026) - £ pounds</caption> <thead> <tr> <th>Balance</th> <th>Gross % p.a.</th> <th>AER % p.a.</th> </tr> </thead> <tbody> <tr> <td>£5m+</td> <td>3.83%</td> <td>3.90%</td> </tr> <tr> <td>£1m+</td> <td>3.59%</td> <td>3.65%</td> </tr> <tr> <td>£0+</td> <td>2.28%</td> <td>2.30%</td> </tr> </tbody> </table> <div class="rich-text-editor"><p><strong>The Business Notice 35 Account (Issue 5) interest rate is available for all accounts that are open by close of business on 14 January 2026. For any accounts opened from 15 January 2026 onwards, the Business Notice 35 Account (Issue 6) interest rate will apply.</strong></p> <p><strong>Rates may vary and are correct as at 19 December 2025.</strong></p> <ul> <li>Interest rates are variable.</li> <li>Interest is calculated daily and credited monthly.</li> </ul> <p>The gross rate is the interest rate we pay where no income tax has been deducted.</p> <p>AER stands for Annual Equivalent Rate and shows what the interest rate would be if we paid interest and added it to your account each year.</p></div> </div> <div class="rich-text-editor mb-4"> <h2>Business Notice 35 Account (Issue 4) [Off Sale] - £ pounds</h2> <div class="rich-text-editor"></div> <table class="table--striped mt-5 interest-rates_table w-100" aria-label="Business Notice 35 Account (Issue 4) [Off Sale] - £ pounds"> <caption class="sr-only">Business Notice 35 Account (Issue 4) [Off Sale] - £ pounds</caption> <thead> <tr> <th>Balance</th> <th>Gross % p.a.</th> <th>AER % p.a.</th> </tr> </thead> <tbody> <tr> <td>£5m+</td> <td>3.83%</td> <td>3.90%</td> </tr> <tr> <td>£1m+</td> <td>3.59%</td> <td>3.65%</td> </tr> <tr> <td>£0+</td> <td>2.28%</td> <td>2.30%</td> </tr> </tbody> </table> <div class="rich-text-editor"><p><strong>The Business Notice 35 Account (Issue 4) interest rate is available for all accounts that are open by close of business on 18 August 2025. For any accounts opened from 19 August 2025 onwards, the Business Notice 35 Account (Issue 5) interest rate will apply.</strong></p> <p><strong>Rates may vary and are correct as at 2 October 2025.</strong></p> <ul> <li>Interest rates are variable.</li> <li>Interest is calculated daily and credited monthly.</li> </ul> <p>The gross rate is the interest rate we pay where no income tax has been deducted.</p> <p>AER stands for Annual Equivalent Rate and shows what the interest rate would be if we paid interest and added it to your account each year.</p></div> </div> </div> </section> </article> <article class="accordion-item"> <h2 class="accordion-header" id="accordion-header-9b53bd9a-c89b-4d60-9ed3-6fe42529e59b"> <button class="accordion-button collapsed" type="button" data-bs-toggle="collapse" data-bs-target="#accordion-content-9b53bd9a-c89b-4d60-9ed3-6fe42529e59b" aria-expanded="true" aria-controls="additional-info-accordion-content-3" data-ui-component="Accordion" data-ui-group="Additional information & interest rates" data-ui-title="Interest rates"> Pension Notice 30 Account </button> </h2> <section id="accordion-content-9b53bd9a-c89b-4d60-9ed3-6fe42529e59b" class="accordion-collapse collapse" aria-labelledby="accordion-header-9b53bd9a-c89b-4d60-9ed3-6fe42529e59b" data-bs-parent="#additional-info"> <div class="accordion-body"> <div class="rich-text-editor mb-4"> <h2>Pension Notice 30 Account (Issue 5) (available until 14 January 2026) - £ pounds</h2> <div class="rich-text-editor"></div> <table class="table--striped mt-5 interest-rates_table w-100" aria-label="Pension Notice 30 Account (Issue 5) (available until 14 January 2026) - £ pounds"> <caption class="sr-only">Pension Notice 30 Account (Issue 5) (available until 14 January 2026) - £ pounds</caption> <thead> <tr> <th>Balance</th> <th>Gross % p.a.</th> <th>AER % p.a.</th> </tr> </thead> <tbody> <tr> <td>£0+</td> <td>2.67%</td> <td>2.70%</td> </tr> </tbody> </table> <div class="rich-text-editor"><p><strong>The Pension Notice 30 Account (Issue 5) interest rate is available for all accounts that are open by close of business on 14 January 2026. For any accounts opened from 15 January 2026 onwards, the Pension Notice 30 Account (Issue 6) interest rate will apply.</strong></p> <p><strong>Rates may vary and are correct as at 19 December 2025.</strong></p> <ul> <li>Interest rates are variable.</li> <li>Interest is calculated daily and credited monthly.</li> </ul> <p>The gross rate is the interest rate we pay where no income tax has been deducted.</p> <p>AER stands for Annual Equivalent Rate and shows what the interest rate would be if we paid interest and added it to your account each year.</p></div> </div> <div class="rich-text-editor mb-4"> <h2>Pension Notice 30 Account (Issue 4) [Off Sale] - £ pounds</h2> <div class="rich-text-editor"></div> <table class="table--striped mt-5 interest-rates_table w-100" aria-label="Pension Notice 30 Account (Issue 4) [Off Sale] - £ pounds"> <caption class="sr-only">Pension Notice 30 Account (Issue 4) [Off Sale] - £ pounds</caption> <thead> <tr> <th>Balance</th> <th>Gross % p.a.</th> <th>AER % p.a.</th> </tr> </thead> <tbody> <tr> <td>£0+</td> <td>2.67%</td> <td>2.70%</td> </tr> </tbody> </table> <div class="rich-text-editor"><p><strong>The Pension 30 Notice Account (Issue 4) interest rate is available for all accounts that are open by close of business on 18 August 2025. For any accounts opened from 19 August 2025 onwards, the Pension Notice 30 Account (Issue 5) interest rate will apply.</strong></p> <p><strong>Rates may vary and are correct as at 2 October 2025.</strong></p> <ul> <li>Interest rates are variable.</li> <li>Interest is calculated daily and credited monthly.</li> </ul> <p>The gross rate is the interest rate we pay where no income tax has been deducted.</p> <p>AER stands for Annual Equivalent Rate and shows what the interest rate would be if we paid interest and added it to your account each year.</p></div> </div> </div> </section> </article> </div> </div> </section> </div> </div> <div class="bg- py-5 px-3" data-ui-component="richTextEditor"> <div class="container-xxl"> <header class="title-and-intro"> <h2>More information</h2> </header> <div class="rich-text-editor"> <p>If you have any questions, you can call our Executive Team on <a rel="noopener" href="tel:08000925500" target="_blank" title="Call 0800 092 5500"><strong>0800 092 5500</strong></a> or <a rel="noopener" href="tel:+441142282400" target="_blank" title="Call +44 (0)114 228 2400"><strong>+44 (0)114 228 2400</strong></a> from outside the UK. 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