Access Saver

The flexible way to access your savings.

Earn 0.50% gross/AER variable (including 12 month fixed bonus of 0.30%)

Key features and benefits of this account

  • Open your account with only £1 with unlimited deposits and withdrawals (with no loss of interest)
  • Instant access to your money via branch, telephone or Internet banking
  • Save without noticing by signing your account up to Save the Change

You need to be an existing Bank of Scotland customer and be registered for Internet Banking to open an account.

Summary box

Account Name

Access Saver

Interest rates (AERs) 

0.50% gross/AER variable (including 12 month fixed bonus of 0.30%)

Tax status

Interest is paid net of income tax (currently 20%) unless you register your account with us to receive gross interest

Conditions for bonus payment

Bonus payment:
A fixed introductory bonus valid for 12 months from the date of account opening.

After bonus period:
After 12 months, variable rates without bonus will apply, currently this is 0.20% gross/AER.

Withdrawal arrangements

No notice period.

Unlimited withdrawals with no loss of interest.

Access

Online, telephone, branch & ATM with optional cash card


Open an Access Saver today.


We recommend you read the account conditions carefully as they form a legal contract with us. If there is anything you do not understand, please contact us before you agree to them (as part of the application).

Additional information

Account interest

  • Variable rate interest means the rate you earn can go up or down
  • Interest paid annually on anniversary of account opening

Joint account

  • If you would like to make your account a joint account, once it is open, just print and complete the additional party form and call into your local branch
  • Make sure that both you and the joint account holder go into branch together and bring proof of identification. We recommend booking an appointment
  • Alternatively, you can request to add an additional account holder over the phone by calling 08456 02 03 04 (lines are open 8am to 8pm Monday to Friday, 8am to 6pm on Saturday and 9am to 5pm on Sunday) 

Eligibility

UK resident personal customers aged 16+. If you are a non-UK resident and wish to find out about the savings products that may be available to you, please call the International Banking team on 0800 876 6555 (or +44 207 451 6212 if calling from abroad). Lines are open Mon-Fri 8am - 6pm and Sat 9:30am - 1.30pm UK local time.

Please note, we are covered by the Financial Services Compensation Scheme so our customers' savings are protected (up to £85,000).


Open an Access Saver today.


We recommend you read the account conditions carefully as they form a legal contract with us. If there is anything you do not understand, please contact us before you agree to them (as part of the application).

Please note:
Rates of interest are subject to change. Rates effective from 0.00am on 07/01/2014.
For a definition of AER, Gross and other terms please view our savings glossary.

Open an Access Saver today

Financial Services Compensation Scheme

Find out more