Interest rates

The savings interest rates shown below apply to our personal savings accounts.

Variable rate accounts Variable rate accounts no longer available Fixed rate accounts

Access Cash ISA
Access Saver
Exclusive Saver
Internet Saver
Junior Cash ISA
Tracker Bond
Young Saver

Incentive Saver
Instant Access Savings Account

Fixed Rate Bond
Fixed Cash ISA
Monthly Saver
Online Step Bond
Step Bond
Matured Funds Account

Please refer to the Halifax website for personal savings accounts opened before 11th September 2011, or for non-personal and non-UK rates.

Current variable rate accounts

Access Cash ISA

Rates valid from Balance   Annual rates
Tax free/AER
04/03/2014 £1+ Including bonus 1.25%
Excluding bonus 0.50%

Find out more about an Access Cash ISA.


Access Saver

Rates valid from Balance   Annual rates
Gross/AER Net
07/01/2014 £1+ Including bonus 0.50% 0.40%
Excluding bonus 0.20% 0.16%

Find out more about an Access Saver.


Exclusive Saver

Rates valid from Balance   Annual rates Monthly rates
Gross/AER Net Gross AER Net
11/01/2014 £1+ Including bonus 0.80% 0.64% 0.80% 0.80% 0.64%
Excluding bonus 0.20% 0.16% 0.20% 0.20% 0.16%

Find out more about an Exclusive Saver.


Internet Saver

Rates valid from Balance   Annual rates
Gross/AER Net
07/01/2014 £1+ Including bonus 0.75% 0.60%
Excluding bonus 0.20% 0.16%

Find out more about an Internet Saver.


Junior Cash ISA

Rates valid from Balance Annual interest
Tax free/AER variable
13/02/2012 £1+ 3.00%

Find out more about a Junior Cash ISA.


Young Saver - Opened from 23rd April 2013

Rates valid from Balance Quarterly rates
Gross AER Net
23/04/2013 £1 - £20,000 2.97% 3.00% 2.38%
Over £20,000 0.50% 0.50% 0.40%

 

Young Saver - Opened before 23rd April 2013

Rates valid from Balance Quarterly rates
Gross AER Net
23/04/2013 £1 + 2.97% 3.00% 2.38%

 Find out more about a Young Saver.


Previous variable rate accounts

Incentive Saver

Rates valid from Balance Monthly rates
Gross AER Net
03/10/2011 £30,000+ 0.00% 0.00% 0.00%
£1+ 2.47% 2.50% 1.98%


Instant Access Savings Account

Rates valid from Balance Annual rates Monthly rates
Gross/AER Net Gross p.a. AER Net p.a.
01/04/2009 £1,000,000+ 0.60% 0.48% 0.60% 0.60% 0.48%
£1+ 0.50% 0.40% 0.50% 0.50% 0.40%

Current fixed rate accounts

Fixed Rate Bond

Rates valid from Balance  Term Annual rates Monthly rates
Gross/AER Net Gross p.a. AER Net p.a.
26/11/2013 £2,000+ 6 month 1.10% 0.88% 1.09% 1.10% 0.87%
1 year 1.30% 1.04% 1.29% 1.30% 1.03%
2 year 1.55% 1.24% 1.54% 1.55% 1.23%
3 year 1.75% 1.40% 1.74% 1.75% 1.39%
4 year 2.00% 1.60% 1.98% 2.00% 1.58%
5 year 2.35% 1.88% 2.33% 2.35% 1.86%

Find out more about a Fixed Rate Bond.


Fixed Cash ISA

Rates valid from Balance Term Annual rates Monthly rates
Tax free/AERTax freeAER
04/03/2014 £500+ 1 year 1.50%

1.49%

1.50%

2 year 1.75%

1.74%

1.75%

3 year 2.00%

1.98%

2.00%

4 year 2.15%

2.13%

2.15%

Find out more about a Fixed Cash ISA.


Monthly Saver

Rates valid from Term Annual rates
Gross/AER Net
26/11/2013 12 months 2.00% 1.60%

Find out more about a Monthly Saver.


Online Step Bond

Rates valid from Term Balance Year Annual rates Monthly rates
Gross/AER Net Gross p.a. AER Net p.a.
03/12/2013 3 years £2,000+ Year 1 1.75% 1.40% 1.74% 1.75% 1.39%
Year 2 1.85% 1.48% 1.83% 1.85% 1.46%
Year 3 1.95% 1.56% 1.93% 1.95% 1.54%

Find out more about an Online Step Bond.


Step Bond

Rates valid from Term Balance Year Annual rates Monthly rates
Gross/AER Net Gross p.a. AER Net p.a.
03/12/2013 3 years £2,000+ Year 1 1.75% 1.40% 1.74% 1.75% 1.39%
Year 2 1.85% 1.48% 1.83% 1.85% 1.46%
Year 3 1.95% 1.56% 1.93% 1.95% 1.54%

Find out more about an Step Bond.

Tracker Bond

Rates valid from Term Balance Annual interest rate Monthly interest rate
Gross/AER Net Gross p.a. AER Net p.a.
14/07/2013  2 years £2,000+ 1.55% 1.24% 1.54% 1.55%   1.23%

The annual gross rate tracks at 1.05% above the Bank of England Bank Rate - currently 0.50%
The monthly gross rate tracks at 1.04% above the Bank of England Bank Rate - currently 0.50%

Find out more about a Tracker Bond.

Matured Funds

Rates valid from Balance Annual rates Monthly rates
Gross/AER Net Gross p.a. AER Net p.a.
05/11/2013 £1+ 0.25% 0.20% 0.25% 0.25% 0.20%

Easy access account only available for funds maturing from Fixed Rate Bond, Step Bond, Online Step Bond and Tracker Bond.

For a definition of AER, Gross and other terms please view our savings glossary.