Interest rates
Our rates may change from time to time, so the rates you see today may not be available tomorrow.
6 Month Fixed Rate
Current rate (fixed)
| Date issued | AER%1 | Gross%2 | New3/Existing4 customers |
|---|---|---|---|
02/12/2025 | 4.24% | 4.20% | New customers and existing customers |
Previous rates (fixed)
| Date issued | AER%1 | Gross%2 | New3/Existing4 customers |
|---|---|---|---|
01/12/2025 | 4.20% | 4.16% | New customers and existing customers |
21/11/2025 | 4.14% | 4.10% | New customers and existing customers |
10/11/2025 | 4.24% | 4.20% | New customers and existing customers |
20/10/2025 | 4.30% | 4.25% | New customers and existing customers |
14/10/2025 | 4.35% | 4.30% | New customers and existing customers |
16/09/2025 | 4.45% | 4.40% | New customers and existing customers |
05/08/2025 | 4.30% | 4.25% | New customers and existing customers |
23/07/2025 | 4.24% | 4.20% | New customers only |
08/07/2025 | 4.50% | 4.45% | New customers only |
Definitions
1 AER
'AER’ stands for 'Annual Equivalent Rate’ and illustrates what the interest rate would be if interest was paid and compounded once each year.
2 Gross
'Gross’ is the rate of interest without tax deducted.
3 New
Available to all customers opening a new savings account
4 Existing
Available to customers who choose to reinvest their savings at the end of the fixed term.
SmartSave interest rates
If your account was previously known under the SmartSave brand, then you can view your interest rates here.
View SmartSave interest rates