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Essential works - Sutton branch 27 June

eSaver 180 (3rd issue)

Interest Rate

includes a 0.40% bonus, reverting to 4.60% variable after the first 6 months.
This account could be right for you if...
  • You can give 180 days notice to be able to access your money
  • You have a minimum deposit of £100 and may want to add further deposits either regularly or occasionally
  • You want to manage your account online
Some things you need to bear in mind
  • Interest rate includes a 0.40% bonus for the first 6 months, then it reverts to 4.60%
  • This is a variable rate account and the interest rate may go down as well as up

Interest Rate

includes a 0.40% bonus, reverting to 4.60% variable after the first 6 months.

Summary Box

Is there anything more I should know?

Our General Account Terms and Conditions, which is available to download from our website, provides full details of the terms and conditions applied to this and other accounts offered by us.

Where there is a conflict between information displayed on the product and the General Account Terms and Conditions, the terms of the product will apply.

The General Account Terms and Conditions are provided to all new account holders and are also available on request.

How do I apply?

You can open and manage your account online only, simply complete the application online and follow the online instructions to open your account.

In common with other financial organisations we will need evidence of identification and proof of residency. Please see the You and Your Savings Account leaflet for details.

Can I cancel if I change my mind?

If you change your mind about your choice of account, you may cancel it within 14 days of the day the account is opened or the day on which you receive the terms and conditions of the account and other information on paper or electronically, whichever is later.

We will help you switch to another of our accounts or we will give you all your money back with any interest it has earned. We will ignore any notice period and any penalties relating to withdrawals or closure of the account.

Charitable Assignments

All new customers opening a savings account will be required to sign a declaration agreeing to assign any windfall conversion benefits to the Charities Aid Foundation. This assignment will apply for the first 5 years of membership. Existing members with continuous membership prior to the effective date are not affected. Our Charitable Assignment Scheme leaflet provides full details.


1. AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added to each year. AERs on the Monthly Income accounts 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. 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 means you won’t pay UK tax on any income or capital gains your ISA makes.

Our savings accounts are exclusively available to UK Residents only.

These account details apply to personal investors only unless stated in the detailed information.

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