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
Bank of Scotland Instant Access Savings Account Reward
Bank of Scotland Instant Access Savings Account
Halifax Guaranteed Saver Reward
Variable Rate Halifax Web Saver
Variable Rate Halifax ISA Saver
Halifax Premium Savings Direct
Halifax Monthly Saver Young Savers Rate
Halifax Asset Reserve Cheque Account
Fixed Rates
Halifax Stepped Income Reserve
Halifax Children's Regular Saver
The AER shown for each account is the Annual Equivalent Rate
Bank of Scotland Instant Access Savings Account Reward
New UK annual rates with effect from 28th June 2008
Balance | AER | Gross p.a. | Net p.a. |
£1,000,001 - £5,000,000 | 6.50% | 6.50% | 5.20% |
£100,000+ | 6.30% | 6.30% | 5.04% |
£50,000+ | 6.30% | 6.30% | 5.04% |
£5,000+ | 6.30% | 6.30% | 5.04% |
Find out more about Bank of Scotland Instant Access Savings Account Reward
for a Bank of Scotland Instant Access Savings Account Reward
Bank of Scotland Instant Access Savings Account
New UK annual rates with effect from 1st May 2008
Balance | AER | Gross p.a. | Net p.a. |
£1,000,000+ | 5.10% | 5.10% | 4.08% |
£1+ | 5.00% | 5.00% | 4.00% |
Find out more about Bank of Scotland Instant Access Savings Account
for a Bank of Scotland Instant Access Savings Account
UK annual rates from 28th June 2008
Balance | AER | Gross p.a. | Net p.a. |
£100,000+ | 4.10% | 4.10% | 3.28% |
£1+ | 6.05%* | 6.35%** | 5.08% |
*AER calculated on 1st June 2008. This will change over time until 18th July 2008. AER stands for Annual Equivalent Rate and illustrates what the interest would be if it was paid and compounded each year. Interest will be paid net after the lower rate of income tax (currently 20%) has been deducted unless you have made a declaration to comply with HM Revenue andCustoms regulations. Click here to view Daily Interest AER Calculator.
**Currently offering 6.35%gross/6.05% AER (including 0.35% gross bonus until 18th July 2008).
Find out more about Halifax Web Saver Extra Account
for a Halifax Web Saver Extra Account
Halifax Guaranteed Saver Reward*
UK annual rates from 9th June 2008.
| AER | Gross p.a. | Net p.a. | |
| £2,500+ | 6.25% | 6.25% | 5.00% |
*Limited offer until 10th August 2008
Find out more about Halifax Guaranteed Saver Reward
for a Halifax Guaranteed Saver Reward
Halifax Guaranteed Saver
UK annual rates from 28th June 2008
| AER | Gross p.a. | Net p.a. | |
| £2,500+ | 5.00% | 5.00% | 4.00% |
Find out more about Halifax Guaranteed Saver
UK annual rates from 1st March 2008
| Balance | AER | Gross p.a. | Net p.a. |
| £1+ | 5.55% | 5.55% | 4.44% |
Variable option with cash card
UK annual rates from 28th june 2008
| AER | Gross p.a. | Net p.a. |
£1+ | 4.17%* | 5.35%** | 4.28% |
*AER calculated on 28th June 2008. This will change over time until 18th July 2008. AER stands for Annual Equivalent Rate and illustrates what the interest would be if it was paid and compounded each year. Interest will be paid net after the lower rate of income tax (currently 20%) has been deducted unless you have made a declaration to comply with HM Revenue and Customs regulations. Click here to view Daily Interest AER Calculator.
**Currently offering 5.35% gross/4.17% AER (including 1.25% gross bonus until 18th July 2008).
Variable option without cash card
UK annual rates from 28th June 2008
| AER | Gross p.a. | Net p.a. | |
£25,000+ | 4.30% | 4.30% | 3.44% |
£5,000+ | 4.25% | 4.25% | 3.40% |
£1+ | 4.21% | 4.21% | 3.37% |
Find out more about Variable Rate Web Saver
UK annual rates from 27th June 2008
| Balance £500+ | |||
| Term | AER | Gross p.a. | Net p.a. |
3 months | 6.15% | 6.01% | 4.81% |
6 months | 6.50% | 6.40% | 5.12% |
9 months | 6.70% | 6.65% | 5.32% |
1 year | 6.60% | 6.60% | 5.28% |
2 years | 6.60% | 6.60% | 5.28% |
3 years | 6.85% | 6.85% | 5.48% |
4 years | 6.40% | 6.40% | 5.12% |
5 years | 6.40% | 6.40% | 5.12% |
Find out more about Fixed Rate Halifax Web Saver
for a Fixed Rate Halifax Web Saver
UK annual rates from 9th June 2008
| Balance | AER | Gross p.a. | Net p.a. |
All Balances | 10.00% | 10.00% | 8.00% |
Find out more about Regular Saver
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Halifax Children's Regular Saver
UK annual rates from 13th June 2005
| Balance | AER | Gross p.a. | Net p.a. |
All Balances | 10.00% | 10.00% | 8.00% |
Find out more about Children's Regular Saver
for a Children's Regular Saver
Halifax ISA Saver
Variable Rate Halifax ISA Saver
UK annual rates from 28th June 2008
| Balance | AER | Gross p.a. |
£27,000+ | 3.71% | 3.71% |
£24,000+ | 3.61% | 3.61% |
£21,000+ | 3.46% | 3.46% |
£18,000+ | 3.41% | 3.41% |
£12,000+ | 3.26% | 3.26% |
£3,000+ | 3.11% | 3.11% |
£1+ | 3.06% | 3.06% |
Find out more about Variable Rate Halifax ISA Saver
UK annual rates from 20th June 2008 on balances of £500+.
| Term | AER | Gross p.a. | |
1 Year | 6.30% | 6.30% | |
2 Years | 6.30% | 6.30% | |
3 Years | 6.10% | 6.10% | |
4 Years | 6.10% | 6.10% |
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.
*New tiers introduced on 1 year term effective from 30 November 2007.
*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 from 1st May 2008
| Balance | AER | Gross p.a. |
| £1+ | 5.00% | 5.00% |
Find out more about Halifax ISA Saver Direct
for a Halifax ISA Saver Direct
Halifax Premium Savings Direct
UK annual rates from 1st May 2008
| Balance | AER | Gross p.a. | Net p.a. |
£250,000+ | 4.01% | 4.01% | 3.21% |
£100,000+ | 3.76% | 3.76% | 3.01% |
£50,000+ | 3.51% | 3.51% | 2.81% |
£25,000+ | 3.26% | 3.26% | 2.61% |
£5,000+ | 3.11% | 3.11% | 2.49% |
£500+ | 3.06% | 3.06% | 2.45% |
Find out more about Halifax Premium Savings Direct
Halifax Instant Saver
UK annual rates from 28th June 2008
| Balance | AER | Gross p.a. | Net p.a. |
£100,000+ | 2.02% | 2.02% | 1.62% |
£50,000+ | 1.92% | 1.92% | 1.54% |
£25,000+ | 1.82% | 1.82% | 1.46% |
£10,000+ | 1.67% | 1.67% | 1.34% |
£5,000+ | 1.57% | 1.57% | 1.26% |
£500+ | 1.52% | 1.52% | 1.22% |
£50+ | 0.56% | 0.56% | 0.45% |
Find out more about Halifax Instant Saver
UK annual rates from 2nd July 2008.
Term | AER | Gross p.a. | Net p.a. |
6 months £250,000+ | 6.50% | 6.40% | 5.12% |
6 months £100,000+ | 6.30% | 6.20% | 4.96% |
6 months £75,000+ | 6.25% | 6.16% | 4.93% |
6 months £50,000+ | 6.20% | 6.11% | 4.89% |
6 months £500+ | 6.20% | 6.11% | 4.89% |
1 year £250,000+ | 6.80% | 6.80% | 5.44% |
1 year £100,000+ | 6.80% | 6.80% | 5.44% |
1 year £75,000+ | 6.80% | 6.80% | 5.44% |
1 year £50,000+ | 6.80% | 6.80% | 5.44% |
1 year £500+ | 6.70% | 6.70% | 5.36% |
2 years £500+ | 6.25% | 6.25% | 5.00% |
3 years £500+ | 6.50% | 6.50% | 5.20% |
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
Halifax Stepped Income Reserve
UK annual rates from 9th April 2008
| AER 5.50% | ||
| £2,000+ | ||
| Term | Gross % p.a. | Net % p.a. |
| Year 1 | 5.00% | 4.00% |
| Year 2 | 5.25% | 4.20% |
Year 3 | 5.50% | 4.40% |
| Year 4 | 5.75% | 4.60% |
| Year 5 | 6.00% | 4.80% |
Find out more about Halifax Stepped Income Reserve
UK annual rates from 28th June 2008
| Number of withdrawals | ||||
| 0-3 | 4+ | |||
| AER / Gross p.a. | Net p.a. | AER / Gross p.a. | Net p.a. | |
| £100,000+ | 1.92% | 1.54% | 0.81% | 0.65% |
| £50,000+ | 1.77% | 1.42% | 0.76% | 0.61% |
| £25,000+ | 1.67% | 1.34% | 0.71% | 0.57% |
| £10,000+ | 1.52% | 1.22% | 0.69% | 0.55% |
£5,000+ | 1.42% | 1.14% | 0.66% | 0.53% |
| £500+ | 1.32% | 1.06% | 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 and 7+ withdrawals.
Find out more about Halifax Saver Reward
UK annual rates from 28th June 2008
| Balance | AER excl. conditional bonus | AER incl. conditional bonus | Gross p.a. incl. conditional bonus | Net p.a. incl. conditional bonus |
| £1+ | 1.76% | 4.51% | 4.51% | 3.61% |
Find out more about Halifax Monthly Saver
Halifax Monthly Saver Young Savers Rate
UK annual rates from 28th June 2008
| Balance | AER excl. conditional bonus | AER incl. conditional bonus | Gross p.a. incl. conditional bonus | Net p.a. incl. conditional bonus |
| £1+ | 3.05% | 5.80% | 5.80% | 4.64% |
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 from 1st May 2008
| Balance | AER | Gross p.a. | Net p.a. |
| £1+ | 2.80% | 2.80% | 2.24% |
Halifax Bonus Gold
Rates quoted include the bonus of 0.50% gross (net 0.40%). See Important Information for details of how to get your bonus.
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 |
| £100,000+ | 2.11% | 2.61% | 2.61% | 2.09% |
| £50,000+ | 2.01% | 2.51% | 2.51% | 2.01% |
| £25,000+ | 2.01% | 2.51% | 2.51% | 2.01% |
| £10,000+ | 2.01% | 2.51% | 2.51% | 2.01% |
| £5,000+ | 1.65% | 2.15% | 2.15% | 1.72% |
The interest rate (including the bonus of 0.50% gross (0.40% net) p.a) will be no lower than 2% below base rate* on balances of £10,000 and over. When an account balance falls below £5,000 (£10,000 for accounts opened before 1st August 2004) the balance will be available immediately without any penalty and the interest rate paid will be at least the same rate as the Liquid Gold rate on balances below £5,000.
Find out more about Halifax Bonus Gold
UK annual rates from 1st May 2008
| Balance | AER | Gross p.a. | Net p.a. |
£100,000+ | 2.66% | 2.66% | 2.13% |
£50,000+ | 2.51% | 2.51% | 2.01% |
£25,000+ | 2.51% | 2.51% | 2.01% |
£10,000+ | 2.51% | 2.51% | 2.01% |
£5,000+ | 2.51% | 2.51% | 2.01% |
£500+ | 0.95% | 0.95% | 0.76% |
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.
Find out more about Halifax 60 Day Gold
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 May 2008
| Balance | AER | Gross p.a. | Net p.a. |
£500+ | 0.50% | 0.50% | 0.40% |
£50+ | 0.50% | 0.50% | 0.40% |
Monthly interest is only available to former Solid Gold customers who previously received monthly interest.
Find out more about Halifax Liquid Gold
Halifax Asset Reserve Cheque Account
UK annual rates from 1st May 2008
| Balance | AER | Gross p.a. | Net p.a. |
£5,000+ | 2.12% | 2.10% | 1.68% |
£50+ | 0.70% | 0.70% | 0.56% |
Find out more about Halifax Asset Reserve Cheque Account
Matured Funds Account
UK annual rates from 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.
Bank of Scotland Instant Access Savings Account Reward
Bank of Scotland Instant Access Savings Account
Halifax Premium Savings Direct
Halifax Stepped Income Reserve
The AER shown for each account is the Annual Equivalent Rate.
Bank of Scotland Instant Access Savings Account Reward
New UK monthly rates with effect from 28th May 2008
Balance | AER | Gross p.a. | Net p.a. |
£1,000,001 - £5,000,000 | 6.50% | 6.31% | 5.05% |
£100,000+ | 6.30% | 6.13% | 4.90% |
£50,000+ | 6.30% | 6.31% | 4.90% |
£5,000+ | 6.30% | 6.13% | 4.90% |
Find out more about Bank of Scotland Instant Access Savings Account Reward
for a Bank of Scotland Instant Access Savings Account Reward
Bank of Scotland Instant Access Savings Account
UK monthly rates with effect from 1st May 2008
Balance | AER | Gross pa | Net pa |
£1,000,000+ | 5.10% | 4.98% | 3.98% |
£1+ | 5.00% | 4.89% | 3.91% |
Find out more about Bank of Scotland Instant Access Savings Account
for a Bank of Scotland Instant Access Savings Account
Halifax Premium Savings Direct
UK monthly rates from 1st May 2008
| Balance | AER | Gross p.a. | Net p.a. |
£250,000+ | 4.01% | 3.94% | 3.15% |
£100,000+ | 3.76% | 3.70% | 2.96% |
£50,000+ | 3.51% | 3.45% | 2.76% |
£25,000+ | 3.26% | 3.21% | 2.57% |
£5,000+ | 3.11% | 3.07% | 2.45% |
£500+ | 3.06% | 3.02% | 2.41% |
Find out more about Halifax Premium Savings Direct account
UK monthly rates from 28th June 2008
| Balance | AER | Gross p.a. | Net p.a. |
£100,000+ | 2.02% | 2.00% | 1.60% |
£50,000+ | 1.92% | 1.90% | 1.52% |
£25,000+ | 1.82% | 1.80% | 1.44% |
£10,000+ | 1.67% | 1.66% | 1.33% |
£5,000+ | 1.57% | 1.56% | 1.25% |
£500+ | 1.52% | 1.51% | 1.21% |
£50+ | 0.56% | 0.56% | 0.45% |
Find out more about Halifax Instant Saver
UK monthly rates from 2nd July 2008.
AER | Gross p.a. | Net p.a. | |
1 year £250,000+ | 6.80% | 6.60% | 5.28% |
1 year £100,000+ | 6.80% | 6.60% | 5.28% |
1 year £75,000+ | 6.80% | 6.60% | 5.28% |
1 year £50,000+ | 6.80% | 6.60% | 5.28% |
1 year £500+ | 6.70% | 6.50% | 5.20% |
2 years £500+ | 6.25% | 6.08% | 4.86% |
3 years £500+ | 6.50% | 6.31% | 5.05% |
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 from 9th April 2008
| AER 5.50% | ||
| £2,000+ | ||
| Term | Gross % p.a. | Net % p.a. |
Year 1 | 4.89% | 3.91% |
Year 2 | 5.13% | 4.10% |
Year 3 | 5.37% | 4.30% |
Year 4 | 5.60% | 4.48% |
Year 5 | 5.84% | 4.67% |
Find out more about Halifax Stepped Income Reserve
UK monthly rates from 1st May 2008
| Balance | AER excl. conditional bonus | AER incl. conditional bonus | Gross p.a. inc. conditional bonus | Net p.a. inc. conditional bonus |
£100,000+ | 2.11% | 2.61% | 2.59% | 2.07% |
£50,000+ | 2.01% | 2.51% | 2.49% | 1.99% |
£25,000+ | 2.01% | 2.51% | 2.49% | 1.99% |
£10,000+ | 2.01% | 2.51% | 2.49% | 1.99% |
£5,000+ | 1.65% | 2.15% | 2.14% | 1.71% |
The interest rate (including the bonus of 0.50% gross (0.40% net) p.a) will be no lower than 2% below base rate* on balances of £10,000 and over. When an account balance falls below £5,000 (£10,000 for accounts opened before 1st August 2004) the balance will be available immediately without any penalty. The interest rate paid will be at least the same rate as the Liquid Gold rate on balances below £5,000.
Find out more about Halifax Bonus Gold
UK monthly rates from 1st May 2008
| Balance | AER | Gross p.a. | Net p.a. |
£100,000+ | 2.66% | 2.63% | 2.10% |
£50,000+ | 2.51% | 2.48% | 1.99% |
£25,000+ | 2.51% | 2.48% | 1.99% |
£10,000+ | 2.51% | 2.48% | 1.99% |
£5,000+ | 2.51% | 2.48% | 1.99% |
£500+ | 0.95% | 0.95% | 0.76% |
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 (£10,000 for accounts opened before 1st August 2004) the balance will be available immediately without any penalty and the interest paid will be at least the same as Liquid Gold.
Find out more about Halifax 60 Day Gold
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 May 2008
| Balance | AER | Gross p.a. | Net p.a. |
£500+ | 0.50% | 0.50% | 0.40% |
£50+ | 0.50% | 0.50% | 0.40% |
Find out more about Halifax Liquid Gold
UK monthly rates from 1st May 2008
| Balance | AER | Gross p.a. | Net p.a. |
£1+ | 2.80% | 2.76% | 2.21% |
UK monthly rates from 1st May 2008
| Balance | AER | Gross p.a. | Net p.a. |
£100,000+ | 5.22% | 5.10% | 4.08% |
£50,000+ | 5.12% | 5.00% | 4.00% |
£25,000+ | 5.06% | 4.95% | 3.96% |
£10,000+ | 5.01% | 4.90% | 3.92% |
£5,000+ | 5.01% | 4.90% | 3.92% |
Find out more about Halifax Extra Income Saver
for a Halifax Extra Income Saver
Matured Funds Account
UK monthly rates from 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.