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Personal Previous Rates
These rates apply to our personal savings accounts.
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.
Bank of Scotland Instant Access Savings Account Reward
Bank of Scotland Instant Access Savings Account
Halifax Guaranteed Saver Reward
Variable Rate Halifax Web Saver
Halifax Premium Savings Direct
Halifax Asset Reserve Cheque Account
The AER shown for each account is the Annual Equivalent Rate.
Bank of Scotland Instant Access Savings Account Reward
Previous UK annual rates from 10th July 2008
Balance | AER | Gross p.a. | Net p.a. |
£1+ | 6.50% | 6.50% | 5.20% |
Bank of Scotland Instant Access Savings Account
Previous UK annual rates from 1st March 2008
Balance | AER | Gross p.a. | Net p.a. |
£1,000,000+ | 5.35% | 5.35% | 4.28% |
£1+ | 5.25% | 5.25% | 4.20% |
Halifax Guaranteed Saver Reward
Previous UK annual rates from 9th June 2008
| AER | Gross p.a. | Net p.a. | |
| £2,500+ | 6.25% | 6.25% | 5.00% |
UK annual rates from 1st March 2008
| AER | Gross p.a. | Net p.a. | |
| £2,500+ | 5.25% | 5.25% | 4.20% |
UK annual rates from 1st January 2008
| Balance | AER | Gross p.a. | Net p.a. |
| £1+ | 5.80% | 5.80% | 4.64% |
UK annual rates from 9th May 2008
Balance | AER | Gross p.a. | Net p.a. |
£100,000+ | 4.25% | 4.25% | 3.40% |
£1+ | 6.00% | 6.00% | 4.80% |
*Above rates do not include any gross interest rate bonus.
UK annual rates from 9th July 2008
| AER | Gross p.a. | Net p.a. | |
£1+ | 5.80% | 5.80% | 4.64% |
*Limited offer until 12th August 2008
UK annual rates from 1st May 2008
- variable option with cash card
| Balance | AER | Gross p.a. | Net p.a. |
| £0+ | 4.25% | 4.25% | 3.40% |
*Above rates do not include any gross interest rate bonus.
UK annual rates from 1st May 2008
- variable option without cash card
| Balance | AER | Gross p.a. | Net p.a. |
| £25,000+ | 4.45% | 4.45% | 3.56% |
| £5,000+ | 4.40% | 4.40% | 3.52% |
| £0+ | 4.36% | 4.36% | 3.49% |
Variable Rate Halifax ISA Saver
UK annual rates from 1st May 2008
| Balance | AER | Gross p.a. |
£27,000+ | 3.86% | 3.86% |
£24,000+ | 3.76% | 3.76% |
£21,000+ | 3.61% | 3.61% |
£18,000+ | 3.56% | 3.56% |
£12,000+ | 3.41% | 3.41% |
£3,000+ | 3.26% | 3.26% |
£1+ | 3.21% | 3.21% |
UK annual rates from 1st March 2008
| Balance | AER | Gross p.a. |
| £1+ | 5.25% | 5.25% |
Halifax Premium Savings Direct
UK annual rates from 1st March 2008
| Balance | AER | Gross p.a. | Net p.a. |
| £250,000+ | 4.26% | 4.26% | 3.41% |
| £100,000+ | 4.01% | 4.01% | 3.21% |
| £50,000+ | 3.76% | 3.76% | 3.01% |
| £25,000+ | 3.51% | 3.51% | 2.81% |
| £5,000+ | 3.36% | 3.36% | 2.69% |
| £500+ | 3.31% | 3.31% | 2.65% |
Halifax Instant Saver
UK annual rates from 1st May 2008
| Balance | AER | Gross p.a. | Net p.a. |
| £100,000+ | 2.17% | 2.17% | 1.74% |
| £50,000+ | 2.07% | 2.07% | 1.66% |
| £25,000+ | 1.97% | 1.97% | 1.58% |
| £10,000+ | 1.82% | 1.82% | 1.46% |
| £5,000+ | 1.72% | 1.72% | 1.38% |
| £500+ | 1.67% | 1.67% | 1.34% |
| £50+ | 0.56% | 0.56% | 0.45% |
UK annual rates from 1st May 2008
Number of withdrawals | ||||
| 0-3 | 4+ | |||
| AER / Gross p.a. | Net p.a. | AER / Gross p.a. | Net p.a. | |
£100,000+ | 2.07% | 1.66% | 0.81% | 0.65% |
£50,000+ | 1.92% | 1.54% | 0.76% | 0.61% |
£25,000+ | 1.82% | 1.46% | 0.71% | 0.57% |
£10,000+ | 1.67% | 1.34% | 0.69% | 0.55% |
£5,000+ | 1.57% | 1.26% | 0.66% | 0.53% |
£500+ | 1.47% | 1.18% | 0.61% | 0.49% |
£50+ | 0.66% | 0.53% | 0.56% | 0.45% |
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, 7-15 and 16+ withdrawals.
Halifax Monthly Saver
UK annual rates from 1st May 2008
| Balance | AER excl. conditional bonus | AER incl. conditional bonus | Gross p.a. incl. conditional bonus | Net p.a. incl. conditional bonus |
| £1+ | 1.91% | 4.66% | 4.66% | 3.73% |
Halifax Bonus Gold
Rates quoted include the bonus of 0.50% gross (net 0.40%) pa. See the Bonus Gold page for details of how to get your bonus.
UK annual rates from 1st March 2008
| Balance | AER exc. conditional bonus | AER incl. conditional bonus | Gross p.a. incl. conditional bonus | Net p.a. incl. conditional bonus |
| £100,000+ | 2.36% | 2.86% | 2.86% | 2.29% |
| £50,000+ | 2.26% | 2.76% | 2.76% | 2.21% |
| £25,000+ | 2.26% | 2.76% | 2.76% | 2.21% |
| £10,000+ | 2.26% | 2.76% | 2.76% | 2.21% |
| £5,000+ | 1.90% | 2.40% | 2.40% | 1.92% |
The interest rate including the bonus of 0.50% gross (0.40% net) pa will be no lower than 2% below base rate* on balances of £10,000 and over. When an account balance falls below £10,000 the balance will be available immediately without any penalty and the interest rate paid will be at least the same rate as Liquid Gold.
top^UK annual rates from 1st March 2008
| Balance | AER | Gross p.a. | Net p.a. |
| £100,000+ | 2.91% | 2.91% | 2.33% |
| £50,000+ | 2.76% | 2.76% | 2.21% |
| £25,000+ | 2.76% | 2.76% | 2.21% |
| £10,000+ | 2.76% | 2.76% | 2.21% |
| £5,000+ | 2.76% | 2.76% | 2.21% |
| £500+ | 1.20% | 1.20% | 0.96% |
The interest rate will be no lower than 2% below base rate* on balances of £5,000 (the minimum opening balance) and over. When an account balance falls below £5,000 the balance will be available immediately without any penalty and the interest paid will be at least the same as Liquid Gold.
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Halifax Liquid Gold
For former Solid Gold customers, annual interest paid on 1st February (in line with previous interest payment date).
UK annual rates from 1st March 2008
| Balance | AER | Gross p.a. | Net p.a. |
| £500+ | 0.75% | 0.75% | 0.60% |
| £50+ | 0.75% | 0.75% | 0.60% |
Monthly interest is only available to former Solid Gold customers who previously received monthly interest.
Young Savers Rate
Special rate for under 21s only available on certain accounts.
UK annual rates from 1st March 2008
| Balance | AER | Gross p.a. | Net p.a. |
| £1+ | 3.05% | 3.05% | 2.44% |
UK annual rates from 1st March 2008
| Balance | AER | Gross p.a. | Net p.a. |
| £5,000+ | 2.37% | 2.35% | 1.88% |
| £50+ | 0.95% | 0.95% | 0.76% |
UK annual rates from 1st June 2004
| Balance | AER | Gross p.a. | Net p.a. |
| £1,000+ | 0.35% | 0.35% | 0.28% |
Only available for funds maturing from Halifax Guaranteed Reserve and Halifax Stepped Income Reserve.
Monthly Interest rates
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 Accounts 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.
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Personal Previous Monthly Rates
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. The rates shown below are those previous to the current monthly rates.
The AER shown for each account is the Annual Equivalent Rate.
Bank of Scotland Instant Access Savings Account Reward
Bank of Scotland Instant Access Savings Account
Halifax Premium Savings Direct
Bank of Scotland Instant Access Savings Account Reward
Previous UK monthly rates from 10th July 2008
Balance | AER | Gross p.a. | Net p.a. |
£1 - £9,999,999 | 6.50% | 6.31% | 5.05% |
Bank of Scotland Instant Access Savings Account
Previous UK monthly rates 1st March 2008
Balance | AER | Gross p.a. | Net p.a. |
£1,000,000+ | 5.35% | 5.22% | 4.18% |
£1+ | 5.25% | 5.13% | 4.10% |
Halifax Premium Savings Direct
UK monthly rates from 1st March 2008
| Balance | AER | Gross p.a. | Net p.a. |
| £250,000+ | 4.26% | 4.18% | 3.34% |
| £100,000+ | 4.01% | 3.94% | 3.15% |
| £50,000+ | 3.76% | 3.70% | 2.96% |
| £25,000+ | 3.51% | 3.45% | 2.76% |
| £5,000+ | 3.36% | 3.31% | 2.65% |
| £500+ | 3.31% | 3.26% | 2.61% |
UK monthly rates from 1st May 2008
| Balance | AER | Gross p.a. | Net p.a. |
| £100,000+ | 2.17% | 2.15% | 1.72% |
| £50,000+ | 2.07% | 2.05% | 1.64% |
| £25,000+ | 1.97% | 1.95% | 1.56% |
| £10,000+ | 1.82% | 1.80% | 1.44% |
| £5,000+ | 1.72% | 1.71% | 1.37% |
| £500+ | 1.67% | 1.66% | 1.33% |
| £50+ | 0.56% | 0.56% | 0.45% |
Halifax Bonus Gold
Rates quoted include the bonus of 0.50% gross (net 0.40%) pa. See the Bonus Gold page for details of how to get your bonus.
UK monthly rates from 1st March 2008
| Balance | AER excl. conditional bonus | AER incl. conditional bonus | Gross p.a. incl. conditional bonus | Net p.a. incl. conditional bonus |
| £100,000+ | 2.36% | 2.86% | 2.83% | 2.27% |
| £50,000+ | 2.26% | 2.76% | 2.74% | 2.19% |
| £25,000+ | 2.26% | 2.76% | 2.74% | 2.19% |
| £10,000+ | 2.26% | 2.76% | 2.74% | 2.19% |
| £5,000+ | 1.90% | 2.40% | 2.38% | 1.91% |
UK monthly rates from 1st March 2008
| Balance | AER | Gross p.a. | Net p.a. |
| £100,000+ | 2.91% | 2.87% | 2.30% |
| £50,000+ | 2.76% | 2.73% | 2.18% |
| £25,000+ | 2.76% | 2.73% | 2.18% |
| £10,000+ | 2.76% | 2.73% | 2.18% |
| £5,000+ | 2.76% | 2.73% | 2.18% |
| £500+ | 1.20% | 1.19% | 0.95% |
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 from 1st March 2008
| Balance | AER | Gross p.a. | Net p.a. |
| £500+ | 0.75% | 0.75% | 0.60% |
| £50+ | 0.75% | 0.75% | 0.60% |
UK monthly rates from 1st May 2008
| Balance | AER | Gross p.a. | Net p.a. |
| £1+ | 3.05% | 3.01% | 2.41% |
UK monthly rates from 1st March 2008
| Balance | AER | Gross p.a. | Net p.a. |
| £100,000+ | 5.48% | 5.35% | 4.28% |
| £50,000+ | 5.38% | 5.25% | 4.20% |
| £25,000+ | 5.33% | 5.20% | 4.16% |
| £10,000+ | 5.27% | 5.15% | 4.12% |
| £5,000+ | 5.27% | 5.15% | 4.12% |
UK monthly rates from 1st June 2004
| Balance | AER | Gross p.a | Net p.a. |
| £1,000+ | 0.35% | 0.35% | 0.28% |
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.
