Interest rates

Interest paid before 6 April 2016 will have been paid net for non-ISA accounts (unless you registered the account with us to receive gross interest). Net is the rate of interest payable after allowing for the deduction of income tax at the rate specified by law (20%).

From 6 April 2016 interest is paid gross, this means that we will not deduct tax automatically from your interest. Depending on your personal circumstances, you may need to pay tax on the interest you earn and it will be your responsibility to pay any tax you may owe to HM Revenue and Customs (HMRC).

Please refer to the Halifax website for savings accounts opened before 11th September 2011.

Current interest rates

Variable rate accounts
Fixed rate accounts
Access Cash ISA
Access Saver
Exclusive saver
Help to Buy: ISA
Junior Cash ISA
Young Saver

Fixed Cash ISA
Fixed Rate Bond
Monthly Saver

Accounts no longer available

If the account you are looking for is not in the lists above, please view our previous accounts (PDF) to find out the interest rates for accounts no longer available to new or existing customers.

Previous interest rates

 

Access Cash ISA
Access Saver
Exclusive Saver
Junior Cash ISA
Young Saver

 

Access Cash ISA

Rates valid before Balance   Annual rates
Tax free/AER
5th March 2012 £1+ Including bonus 2.40%
Excluding bonus 0.50%
9th June 2012 £1+ Including bonus 2.75%
Excluding bonus 0.50%
13th October 2012 £1+ Including bonus 2.35%
Excluding bonus 0.50%
9th December 2012 £1+ Including bonus 2.00%
Excluding bonus 0.50%
3rd March 2013 £1+ Including bonus 1.50%
Excluding bonus 0.50%
18th May 2013 £1+ Including bonus 1.75%
Excluding bonus 0.50%
26th November 2013 £1+ Including bonus 1.00%
Excluding bonus 0.50%
4th March 2014 £1+ Including bonus 0.75%
Excluding bonus 0.50%
13th May 2014 £1+ Including bonus 1.25%
Excluding bonus 0.50%
6th January 2015 £1+ Including bonus 1.00%
Excluding bonus 0.50%
10th March 2015 £1+ Including bonus 0.80%
Excluding bonus 0.50%
12th May 2015 £1+ Including bonus 1.00%
Excluding bonus 0.50%
8th December 2015 £1+ Including bonus 0.80%
Excluding bonus 0.50%
23rd March 2016 £1+ Introductory rate 0.60%
Lower rate 0.50%


Access Saver

Rates valid before Balance   Annual rates Qualifying Criteria
Gross/AER Net
3rd November 2012 £1+ Including bonus 2.00% 1.60%  
Excluding bonus 0.50% 0.40%  
4th May 2013 £1+ Including bonus 1.50% 1.20%  
Excluding bonus 0.50% 0.40%  
7th January 2014 £1+ Including bonus 0.75% 0.60%  
Excluding bonus 0.50% 0.40%  
23rd February 2016 £1+ Introductory rate 0.50% 0.40%  
Lower rate 0.20% 0.16%  
23rd March 2016 £1+ Introductory rate 0.50%    
£1+ Rate 1 Introductory preferential rate 0.60% includes a
preferential rate
 of 
0.10%
 for 12 months

You have a Fixed Term savings account with us, excluding Monthly Saver and ISAs

£1+ Lower rate 0.20%    


Exclusive Saver

Rates valid before Balance   Annual rates Monthly rates
Gross/AER Net Gross p.a. AER Net p.a.
3rd November 2012 £1+ Including bonus 2.25% 1.80% 2.23% 2.25% 1.78%
Excluding bonus 0.50% 0.40% 0.50% 0.50% 0.40%
4th May 2013 £1+ Including bonus 1.70% 1.36% 1.69% 1.70% 1.35%
Excluding bonus 0.50% 0.40% 0.50% 0.50% 0.40%
11th January 2014 £1+ Including bonus 1.05% 0.84% 1.04% 1.05% 0.83%
Excluding bonus 0.50% 0.40% 0.50% 0.50% 0.40%
8th December 2015 £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%
23rd February 2016 £1+ Introductory rate 0.55% 0.44% 0.55% 0.55% 0.44%
Lower rate 0.20% 0.16% 0.20% 0.20% 0.16%
23rd March 2016 £1+ Introductory rate 0.60% 0.48% 0.60% 0.60% 0.48%
Lower rate 0.20% 0.16% 0.20% 0.20% 0.16%

 

Junior Cash ISA

Rates valid before Balance Annual interest
Tax free/AER variable
30th November 2013 £1+ 3.00%


Young Saver – Opened on or after 6th October 2015

Rates valid before Balance Quarterly rates
Gross AER Net
9th December 2015 £1 - £20,000 2.23% 2.25% 1.78%
£20,000+ 0.50% 0.50% 0.40%


Young Saver - Opened between 23rd April 2013 and 5th October 2015

Rates valid before Balance Quarterly rates
Gross AER Net
12th January 2016 £1 - £20,000 2.97% 3.00% 2.38%
£20,000+ 0.50% 0.50% 0.40%


Young Saver - Opened before 23rd April 2013

Rates valid before Balance Quarterly rates
Gross AER Net
12th January 2016 £1+ 2.97% 3.00% 2.38%

 

Accounts no longer available

If the account you are looking for is not in the lists above, please view our previous accounts (PDF) to find out the interest rates for accounts no longer available to new or existing customers.

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

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