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Personal Rates
These rates apply to our personal savings accounts. Previous rates are also available.
The rates shown here apply where interest is paid annually, quarterly or at the end of the term (as shown) - a monthly income option is available on some products at slightly lower rates.
You can either browse through all the rates using the scroll bar or click on the account you're interested in below.
You can also view personal monthly rates.
Variable Rates
Instant Access Savings Account Reward
Instant Access Savings Account
Variable Rate Halifax Web Saver
Halifax Guaranteed Saver Reward
Variable Rate Halifax ISA Saver
Halifax Premium Savings Direct
Halifax Monthly Saver Young Savers Rate
Fixed Rates
Bank of Scotland 1 year term Deposit Account
Bank of Scotland 2 year term Deposit Account
Halifax Stepped Income Reserve
Halifax Children's Regular Saver
Instant Access Savings Account Reward
UK annual rates: Rates of interest are subject to change but are correct as at 1st June 2010
|
Balance |
AER |
Gross p.a. |
Net p.a. |
|
£1,000+ |
1.80% |
1.80% |
1.44% |
Find out more about Instant Access Savings Account Reward
for an Instant Access Savings Account Reward
UK annual rates: Rates are subject to change but are correct as at 4th March 2010.
|
Balance |
AER |
Gross p.a. |
|
£1,000+ |
2.60% |
2.60% |
Find out more about Halifax ISA Direct Reward
for a Halifax ISA Direct Reward
Instant Access Savings Account
UK annual rates: Rates of interest are subject to change but are correct as at 1st April 2009
|
Balance |
AER |
Gross p.a. |
Net p.a. |
|
£1,000,000+ |
0.60% |
0.60% |
0.48% |
|
£1+ |
0.50% |
0.50% |
0.40% |
Find out more about Instant Access Savings Account
for an Instant Access Savings Account
UK annual rates: Rates of interest are subject to change but are correct as at 30th April 2010
|
Balance |
AER |
Gross p.a. |
Net p.a. |
|
£1+ |
2.60% |
2.60% |
2.08% |
Find out more about Halifax Web Saver Extra Account
for a Halifax Web Saver Extra Account
Variable option with cash card
UK annual rates: Rates of interest are subject to change but are correct as at 1st April 2009
|
|
AER |
Gross p.a. |
Net p.a. |
|
£1+ |
0.25% |
0.25% |
0.20% |
Variable option without cash card
UK annual rates: Rates of interest are subject to change but are correct as at 1st April 2009
| AER | Gross p.a. | Net p.a. | |
|
£25,000+ |
0.20% |
0.20% |
0.16% |
|
£5,000+ |
0.15% |
0.15% |
0.12% |
|
£1+ |
0.10% |
0.10% |
0.08% |
Find out more about Variable Rate Web Saver
UK annual rates: Rates of interest are subject to change but are correct as at 14th April 2010
|
Term |
AER |
Gross p.a. |
Net p.a. |
|
3 months £500+ |
0.95% |
0.95% |
0.76% |
|
6 months £500+ |
1.20% |
1.20% |
0.96% |
|
1 year £500+ |
2.00% |
2.00% |
1.60% |
|
2 years £500+ |
3.55% |
3.55% |
2.84% |
|
3 years £500+ |
4.00% |
4.00% |
3.20% |
|
4 years £500+ |
4.05% |
4.05% |
3.24% |
|
5 years £500+ |
4.25% |
4.25% |
3.40% |
Find out more about Fixed Rate Halifax Web Saver
for a Fixed Rate Halifax Web Saver
Halifax Guaranteed Saver Reward*
UK annual rates: Rates are subject to change but are correct as at 1st June 2010.
| AER | Gross p.a. | Net p.a. | |
|
£1 |
1.50% |
1.50% |
1.20% |
*Limited offer - available from 1st June 2010.
Click here to view our previous Guaranteed Saver Reward interest rates.
Find out more about Halifax Guaranteed Saver Reward
for a Halifax Guaranteed Saver
UK annual rates: Rates of interest are subject to change but are correct as at 1st April 2009
| AER | Gross p.a. | Net p.a. | |
| £2,500+ |
0.50% |
0.50% |
0.40% |
Find out more about Halifax Guaranteed Saver
for a Halifax Guaranteed Saver
UK annual rates: Rates of interest are subject to change but are correct as at 1st April 2009
| Balance | AER | Gross p.a. | Net p.a. |
| £1+ |
1.05% |
1.05% |
0.84% |
UK annual rates: Rates of interest are subject to change but are correct as at 16th October 2009
| Balance | AER | Gross p.a. | Net p.a. |
|
All Balances |
2.00% |
2.00% |
1.60% |
Find out more about Regular Saver
Halifax Children's Regular Saver
UK annual rates: Rates of interest are subject to change but are correct as at 20th April 2009
| Balance | AER | Gross p.a. | Net p.a. |
|
All Balances |
6.00% |
6.00% |
4.80% |
Find out more about Children's Regular Saver
for a Children's Regular Saver
Variable Rate Halifax ISA Saver
UK annual rates: Rates of interest are subject to change but are correct as at 1st October 2009
| Balance | AER | Gross p.a. |
|
£27,000+ |
0.20% |
0.20% |
|
£24,000+ |
0.13% |
0.13% |
|
£21,000+ |
0.13% |
0.13% |
|
£18,000+ |
0.10% |
0.10% |
|
£12,000+ |
0.10% |
0.10% |
|
£3,000+ |
0.10% |
0.10% |
|
£1+ |
0.10% |
0.10% |
Find out more about Variable Rate Halifax ISA Saver
UK annual rates: Rates of interest are subject to change but are correct as at 13th August 2010
|
Term |
AER |
Gross p.a. |
|
1 Year £500+ |
2.00% |
2.00% |
|
2 Years £500+ |
3.00% |
3.00% |
|
3 Years £500+ |
3.35% |
3.35% |
|
4 Years £500+ |
4.25% |
4.25% |
The interest rates above are correct as at the date shown. However, for existing customers with an account approaching maturity please note that the rates may change between now and your maturity date.
*Minimum opening balance across all terms reduced to £500 effective from 6 April 2008.
Find out more about Fixed rate Halifax ISA Saver
UK annual rates: Rates of interest are subject to change but are correct as at 1st April 2009
| Balance | AER | Gross p.a. |
| £1+ |
0.50% |
0.50% |
Find out more about Halifax ISA Saver Direct
for a Halifax ISA Saver Direct
Halifax Premium Savings Direct
UK annual rates: Rates of interest are subject to change but are correct as at 1st March 2009
| Balance | AER | Gross p.a. | Net p.a. |
|
£250,000+ |
0.20% |
0.20% |
0.16% |
|
£100,000+ |
0.18% |
0.18% |
0.14% |
|
£50,000+ |
0.16% |
0.16% |
0.13% |
|
£25,000+ |
0.14% |
0.14% |
0.11% |
|
£5,000+ |
0.12% |
0.12% |
0.10% |
|
£500+ |
0.11% |
0.11% |
0.09% |
From 11th March 2010 this account is no longer available to new customers. If you have a Halifax Premium Savings Direct and would like a copy of your conditions please ask a member of staff in any of our branches.
Halifax Instant Saver
UK annual rates: Rates of interest are subject to change but are correct as at 1st February 2009
| Balance | AER | Gross p.a. | Net p.a. |
|
£100,000+ |
0.10% |
0.10% |
0.08% |
|
£50,000+ |
0.10% |
0.10% |
0.08% |
|
£25,000+ |
0.10% |
0.10% |
0.08% |
|
£10,000+ |
0.10% |
0.10% |
0.08% |
|
£5,000+ |
0.10% |
0.10% |
0.08% |
|
£500+ |
0.10% |
0.10% |
0.08% |
|
£50+ |
0.10% |
0.10% |
0.08% |
Find out more about Halifax Instant Saver
Halifax Guaranteed Reserve
UK annual rates: Rates of interest are subject to change but are correct as at 11th August 2010
|
Term |
AER |
Gross p.a. |
Net p.a. |
|
6 months £500+ |
1.00% |
1.00% |
0.80% |
|
1 year £500+ |
2.00% |
2.00% |
1.60% |
|
2 years £500+ |
3.30% |
3.30% |
2.64% |
|
3 years £500+ |
3.75% |
3.75% |
3.00% |
The interest rates above are correct as at the date shown. However, for existing customers with an account approaching maturity please note that the rates may change between now and your maturity date.
Find out more about Halifax Guaranteed Reserve
for a Halifax Guaranteed Reserve
Halifax Guaranteed Reserve monthly rates
Bank of Scotland 1 year term Deposit Account
UK annual rates: Rates of interest are subject to change but are correct as at 11th August 2010
|
Balance |
AER |
Gross p.a. |
Net p.a. |
|
£100,000+ |
2.00% |
2.00% |
1.60% |
|
£25,000+ |
2.00% |
2.00% |
1.60% |
|
£500+ |
2.00% |
2.00% |
1.60% |
Find out more about Bank of Scotland 1 year term Deposit Account
for a Bank of Scotland 1 year term Deposit Account
Bank of Scotland 2 year term Deposit Account
UK annual rates: Rates of interest are subject to change but are correct as at 11th August 2010
|
Balance |
AER |
Gross p.a. |
Net p.a. |
|
£500+ |
3.35% |
3.35% |
2.68% |
Find out more about Bank of Scotland 2 year term Deposit Account
Apply now for a Bank of Scotland 2 year term Deposit Account
Halifax Stepped Income Reserve
UK annual rates: Rates of interest are subject to change but are correct as at 11th August 2010
| AER 4.50% | ||
| £2,000+ | ||
| Term | Gross % p.a. | Net % p.a. |
| Year 1 |
3.50% |
2.80% |
| Year 2 |
4.00% |
3.20% |
|
Year 3 |
4.50% |
3.60% |
| Year 4 |
5.00% |
4.00% |
| Year 5 |
5.50% |
4.40% |
Find out more about Halifax Stepped Income Reserve
UK annual rates: Rates of interest are subject to change but are correct as at 1st October 2009
| Number of withdrawals | ||||
| 0-3 | 4+ | |||
| AER / Gross p.a. | Net p.a. | AER / Gross p.a. |
Net p.a. | |
| £100,000+ |
0.18% |
0.14% |
0.05% |
0.04% |
| £50,000+ |
0.15% |
0.12% |
0.05% |
0.04% |
| £25,000+ |
0.13% |
0.10% |
0.05% |
0.04% |
| £10,000+ |
0.10% |
0.08% |
0.05% |
0.04% |
|
£5,000+ |
0.10% |
0.08% |
0.05% |
0.04% |
| £500+ |
0.10% |
0.08% |
0.05% |
0.04% |
| £50+ |
0.10% |
0.08% |
0.05% |
0.04% |
If you have a regularly funded Halifax Current Account, a Halifax Personal Loan or a Halifax mortgage, you can make three extra withdrawals each year without affecting the interest rate; the above rates therefore apply for 0-6 and 7+ withdrawals.
Find out more about Halifax Saver Reward
UK annual rates: Rates of interest are subject to change but are correct as at 1st April 2009
| Balance | AER excl. conditional bonus | AER incl. conditional bonus | Gross p.a. incl. conditional bonus | Net p.a. incl. conditional bonus |
| £1+ |
0.10% |
0.35% |
0.35% |
0.28% |
From 11th March 2010 this account is no longer available to new customers. If you have a Halifax Monthly Saver and would like a copy of your conditions please ask a member of staff in any of our branches.
Halifax Monthly Saver Young Savers Rate
UK annual rates: Rates of interest are subject to change but are correct as at 1st April 2009
| Balance | AER excl. conditional bonus | AER incl. conditional bonus | Gross p.a. incl. conditional bonus | Net p.a. incl. conditional bonus |
| £1+ |
0.55% |
1.05% |
1.05% |
0.84% |
Special rate available on Halifax Liquid Gold, Halifax 60 Day Gold, Halifax Bonus Gold, Halifax Instant Saver and Halifax Saver Reward accounts for under 21s. Interest is paid at the special rate or at the tiered rate of interest (whichever is the higher).
UK annual rates: Rates of interest are subject to change but are correct as at 1st October 2009
| Balance | AER | Gross p.a. | Net p.a. |
| £1+ |
0.50% |
0.50% |
0.40% |
UK annual rates: Rates of interest are subject to change but are correct as at 1st October 2009
| Balance | AER | Gross p.a. | Net p.a. |
|
£100,000+ |
0.20% |
0.20% |
0.16% |
|
£50,000+ |
0.17% |
0.17% |
0.14% |
|
£25,000+ |
0.15% |
0.15% |
0.12% |
|
£10,000+ |
0.13% |
0.13% |
0.10% |
|
£5,000+ |
0.13% |
0.13% |
0.10% |
|
£500+ |
0.10% |
0.10% |
0.08% |
From 11th March 2010 this account is no longer available to new customers. If you have a Halifax Extra Income Saver and would like a copy of your conditions please ask a member of staff in any of our branches.
UK annual rates: Rates of interest are subject to change but are correct as at 1st October 2009
| Balance | AER excl. conditional bonus | AER incl. conditional bonus | Gross p.a. incl. conditional bonus | Net p.a. incl. conditional bonus |
| £100,000+ |
0.15% |
0.40% |
0.40% |
0.32% |
| £50,000+ |
0.10% |
0.35% |
0.35% |
0.28% |
| £25,000+ |
0.10% |
0.35% |
0.35% |
0.28% |
| £10,000+ |
0.10% |
0.35% |
0.35% |
0.28% |
| £5,000+ |
0.10% |
0.35% |
0.35% |
0.28% |
From 5 April 2009 this account is no longer available to new customers. If you have a Halifax Bonus Gold and would like a copy of your conditions please ask a member of staff in any of our branches.
UK annual rates: Rates of interest are subject to change but are correct as at 1st March 2009
| Balance |
AER |
Gross p.a. |
Net p.a. |
|
£100,000+ |
0.15% |
0.15% |
0.12% |
|
£50,000+ |
0.10% |
0.10% |
0.08% |
|
£25,000+ |
0.10% |
0.10% |
0.08% |
|
£10,000+ |
0.10% |
0.10% |
0.08% |
|
£5,000+ |
0.10% |
0.10% |
0.08% |
|
£500+ |
0.10% |
0.10% |
0.08% |
From 5 April 2009 this account is no longer available to new customers. If you have a Halifax 60 Day Gold and would like a copy of your conditions please ask a member of staff in any of our branches.
Halifax Liquid Gold
For former Solid Gold customers, annual interest paid on 1st February (in line with previous interest payment date).
UK annual rates: Rates of interest are subject to change but are correct as at 1st October 2009
| Balance | AER | Gross p.a. | Net p.a. |
|
£500+ |
0.05% |
0.05% |
0.04% |
|
£50+ |
0.05% |
0.05% |
0.04% |
Monthly interest is only available to former Solid Gold customers who previously received monthly interest.
Find out more about Halifax Liquid Gold
UK annual rates: Rates of interest are subject to change but are correct as at 1st January 2008
| Balance | AER | Gross p.a. | Net p.a. |
|
£1,000+ |
0.10% |
0.10% |
0.08% |
IMPORTANT: The conditions for your account explain when we pay interest on money paid into, and taken out of, your account. Click for details of account charges.
Please ask at any of our branches for copies of the Deposit Account conditions and the other conditions that apply to the accounts shown. The account conditions include details of how we may change them, the interest rates and any charges for your account.
Some accounts can only be opened by individuals. Different rates apply for some non-personal accounts and for accounts held by those non-resident in the UK for tax purposes.
The interest rates and other information shown are correct as at the dates shown in the tables and may change under the account conditions.
*The base rate is the rate published by the Bank Of England in connection with it's open money market operations.
** Although following an increase in base rate there will be a time when this will not apply, but this will never be longer than one month.
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We offer a selection of accounts that give you the option of having your interest paid monthly, at a slightly lower rate than the annual rates. Previous rates are also available.
Instant Access Savings Account Reward
Instant Access Savings Account
Bank of Scotland 1 year term Deposit Account
Bank of Scotland 2 year term Deposit Account
Halifax Premium Savings Direct
Halifax Stepped Income Reserve
The AER shown for each account is the Annual Equivalent Rate.
Instant Access Savings Account Reward
UK monthly rates: Rates of interest are subject to change but are correct as at 1st June 2010
|
Balance |
AER |
Gross p.a. |
Net p.a. |
|
£1+ |
1.80% |
1.79% |
1.43% |
Find out more about Instant Access Savings Account Reward
Apply now for an Instant Access Savings Account Reward
Instant Access Savings Account
UK monthly rates: Rates of interest are subject to change but are correct as at 1st April 2009
|
Balance |
AER |
Gross p.a. |
Net p.a. |
|
£1,000,000+ |
0.60% |
0.60% |
0.48% |
|
£1+ |
0.50% |
0.50% |
0.40% |
Find out more about an Instant Access Savings Account
Apply now for an Instant Access Savings Account
Bank of Scotland 1 year term Deposit Account
UK monthly rates: Rates of interest are subject to change but are correct as at 11th August 2010
|
Balance |
AER |
Gross p.a. |
Net p.a. |
|
£100,000+ |
2.00% |
1.98% |
1.58% |
|
£25,000+ |
2.00% |
1.98% |
1.58% |
|
£500+ |
2.00% |
1.98% |
1.58% |
Find out more about Bank of Scotland 1 year term Deposit Account
for a Bank of Scotland 1 year term Deposit Account
Bank of Scotland 2 year term Deposit Account
UK monthly rates: Rates of interest are subject to change but are correct as at 11th August 2010
|
Balance |
AER |
Gross p.a. |
Net p.a. |
|
£500+ |
3.35% |
3.30% |
2.64% |
Find out more about Bank of Scotland 2 year term Deposit Account
>for a Bank of Scotland 2 year term Deposit Account
Halifax Premium Savings Direct
UK monthly rates: Rates of interest are subject to change but are correct as at 1st March 2009
| Balance | AER | Gross p.a. | Net p.a. |
|
£250,000+ |
0.20% | 0.20% | 0.16% |
|
£100,000+ |
0.18% | 0.18% | 0.14% |
|
£50,000+ |
0.16% | 0.16% | 0.13% |
|
£25,000+ |
0.14% | 0.14% | 0.11% |
|
£5,000+ |
0.12% | 0.12% | 0.10% |
|
£500+ |
0.11% | 0.11% | 0.09% |
From 11th March 2010 this account is no longer available to new customers. If you have a Halifax Premium Savings Direct and would like a copy of your conditions please ask a member of staff in any of our branches.
UK monthly rates: Rates of interest are subject to change but are correct as at 1st February 2009
| Balance | AER | Gross p.a. | Net p.a. |
|
£100,000+ |
0.10% |
0.10% |
0.08% |
|
£50,000+ |
0.10% |
0.10% |
0.08% |
|
£25,000+ |
0.10% |
0.10% |
0.08% |
|
£10,000+ |
0.10% |
0.10% |
0.08% |
|
£5,000+ |
0.10% |
0.10% |
0.08% |
|
£500+ |
0.10% |
0.10% |
0.08% |
|
£50+ |
0.10% |
0.10% |
0.08% |
Find out more about Halifax Instant Saver
UK monthly rates: Rates of interest are subject to change but are correct as at 11th August 2010
|
AER |
Gross p.a. |
Net p.a. |
|
|
1 year £500+ |
2.00% |
1.98% |
1.58% |
|
2 years £500+ |
3.30% |
3.25% |
2.60% |
|
3 years £500+ |
3.75% |
3.69% |
2.95% |
The interest rates above are correct as at the date shown. However, for existing customers with an account approaching maturity please note that the rates may change between now and your maturity date.
Find out more about Halifax Guaranteed Reserve
for a Halifax Guaranteed Reserve
Halifax Stepped Income Reserve
UK monthly rates: Rates of interest are subject to change but are correct as at 11th August 2010
| AER 4.50% | ||
| £2,000+ | ||
| Term | Gross % p.a. | Net % p.a. |
|
Year 1 |
3.45% |
2.76% |
|
Year 2 |
3.93% |
3.14% |
|
Year 3 |
4.41% |
3.53% |
|
Year 4 |
4.89% |
3.91% |
|
Year 5 |
5.37% |
4.30% |
Find out more about Halifax Stepped Income Reserve
UK monthly rates: Rates of interest are subject to change but are correct as at 1st October 2009
| Balance | AER excl. conditional bonus | AER incl. conditional bonus | Gross p.a. inc. conditional bonus | Net p.a. inc. conditional bonus |
|
£100,000+ |
0.15% |
0.40% |
0.40% |
0.32% |
|
£50,000+ |
0.10% |
0.35% |
0.35% |
0.28% |
|
£25,000+ |
0.10% |
0.35% |
0.35% |
0.28% |
|
£10,000+ |
0.10% |
0.35% |
0.35% |
0.28% |
|
£5,000+ |
0.10% |
0.35% |
0.35% |
0.28% |
From 5 April 2009 this account is no longer available to new customers. If you have a Halifax Bonus Gold and would like a copy of your conditions please ask a member of staff in any of our branches.
UK monthly rates: Rates of interest are subject to change but are correct as at 1st March 2009
| Balance | AER | Gross p.a. | Net p.a. |
|
£100,000+ |
0.15% |
0.15% |
0.12% |
|
£50,000+ |
0.10% |
0.10% |
0.08% |
|
£25,000+ |
0.10% |
0.10% |
0.08% |
|
£10,000+ |
0.10% |
0.10% |
0.08% |
|
£5,000+ |
0.10% |
0.10% |
0.08% |
|
£500+ |
0.10% |
0.10% |
0.08% |
From 5 April 2009 this account is no longer available to new customers. If you have a Halifax 60 Day Gold and would like a copy of your conditions please ask a member of staff in any of our branches.
Halifax Liquid Gold
For former Solid Gold customers, annual interest paid on 1st February (in line with previous interest payment date).
Monthly interest is only available to former Solid Gold customers who previously received monthly interest.
UK monthly rates: Rates of interest are subject to change but are correct as at 1st October 2009
| Balance | AER | Gross p.a. | Net p.a. |
|
£500+ |
0.05% |
0.05% |
0.04% |
|
£50+ |
0.05% |
0.05% |
0.04% |
Find out more about Halifax Liquid Gold
UK monthly rates: Rates of interest are subject to change but are correct as at 1st October 2009
| Balance | AER | Gross p.a. | Net p.a. |
|
£1+ |
0.50% |
0.50% |
0.40% |
UK monthly rates: Rates of interest are subject to change but are correct as at 1st October 2009
| Balance | AER | Gross p.a. | Net p.a. |
|
£100,000+ |
0.20% |
0.20% |
0.16% |
|
£50,000+ |
0.17% |
0.17% |
0.14% |
|
£25,000+ |
0.15% |
0.15% |
0.12% |
|
£10,000+ |
0.13% |
0.13% |
0.10% |
|
£5,000+ |
0.13% |
0.13% |
0.10% |
|
£500+ |
0.10% |
0.10% |
0.08% |
From 11th March 2010 this account is no longer available to new customers. If you have a Halifax Extra Income Saver and would like a copy of your conditions please ask a member of staff in any of our branches.
Matured Funds Account
UK monthly rates: Rates of interest are subject to change but are correct as at 1st January 2008
| Balance | AER | Gross p.a. | Net p.a. |
|
£2,000+ |
0.10% |
0.10% |
0.08% |
IMPORTANT: The conditions for your account explain when we pay interest on money paid into, and taken out of, your account. Click for details of account charges.
Please ask at any of our branches for copies of the Deposit Account conditions and the other conditions that apply to the accounts shown. The account conditions include details of how we may change them, the interest rates and any charges for your account.
Some accounts can only be opened by individuals. Different rates apply for some non-personal accounts and for accounts held by those non-resident in the UK for tax purposes.
The interest rates and other information shown are correct as at the dates shown in the tables and may change under the account conditions.
*The base rate is the rate published by the Bank of England in connection with it's open money market operations.