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Saving regularly each month allows you to put money aside for something special or a rainy day.

Over the months and years, you can build up a deposit amount that you can use for a holiday, a new car, moving home and much more.

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Bonus Regular Savings (8th issue)

Minimum Balance £10 per month +
Interest Rate (AER1/Gross2) 6.10% variable (including a 1.85% bonus, reverting to 4.25% variable)
Interest Payable Annually on 31 December
Withdrawals 2 penalty free withdrawals per calendar year, subsequent withdrawals are subject to 90 days loss of interest
Access Post or Branch

Regular eSaver 30 (1st issue)

Minimum Balance £10 per month +
Interest Rate (AER1/Gross2) 4.50%
Interest Payable Annually on 31 December
Withdrawals Withdrawals or closure are subject to 30 days notice.
Access Online only

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. AERs on the Monthly Income account assume interest is added to the account each month although in practice the option to have interest added in this way is not available.

2. Gross Rate

The gross rate is the contractual rate of interest payable without tax taken off.
If separate AER/Gross rates are not quoted, both rates are identical.

^Tax Free

Tax free means exempt from UK income and capital gains tax in the hands of the investor.

Understanding Savings

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