Changes to our accounts

We’ve made changes to the account names and conditions to help us offer a simpler range of savings accounts and make it easier for you to manage your savings. The changes and when they happened vary depending on your account.

We know that you sometimes need all the details about an account you already hold with us. For details about how your account works, take a look at the account conditions (PDF).

The current interest rate for your savings account is shown on our personal interest rates page. If you hold a Halifax Savings account, the rates are shown on the Halifax website.

This information relates to non–ISA accounts opened before 3 September 2016 and ISA accounts opened before 4 March 2017.

See our savings accounts


Compare our savings accounts to find the best one to meet your needs.

  1. Bank of Scotland Instant Access Savings Account

    We’ve made some changes to the Bank of Scotland Instant Access Savings Account conditions and reduced our interest rates.

    You will have received a letter outlining the details of the changes in June 2016. Along with this you also received new conditions which means:

    • The £300 branch transaction limit has been removed, so there is no minimum cash withdrawal limit for using our branch counters.
    • You can keep existing direct debits and standing orders, but will be unable to set up new ones.

    Please see the account conditions (PDF) for information on your account.

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  2. Access Saver

    We’ve simplified our savings range to make it easier for you to compare our accounts. As part of this we have made changes to the Access Saver account.

    If you are still on an introductory rate rate your account will change in the future based on when the rate ends. We will write to you to let you know before this happens.

    If you have an Access Saver and are not currently on an introductory rate, your account name will have changed to Instant Access Savings Account. Your sort code and account number will have stayed the same.

    You will have received a letter outlining the details of the changes. Along with this you also received new conditions which means:

    • Interest will be paid on all balances over £1
    • If you have existing payments set up, these will continue to be paid. However, you can’t set up any new standing orders or direct debits
    • You can run your account in branch as well as online or by phone.

    Please see the account conditions (PDF) for information on your account.

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  3. Exclusive Saver

    We’ve simplified our savings range to make it easier for you to compare our accounts. As part of this we have made changes to the Exclusive Saver account.

    If you are still on an introductory rate your account will change in the future based on when the rate ends. We will write to you to let you know before this happens.

    If you have an Exclusive Saver and are not currently on an introductory rate, your account name will have changed to Instant Access Savings Account. Your sort code and account number will have stayed the same.

    You will have received a letter outlining the details of the changes. Along with this you also received new conditions which means:

    • Interest will be paid on all balances over £1
    • If you have existing payments set up, these will continue to be paid. However, you can’t set up any new standing orders or direct debits
    • You can run your account in branch as well as online or by phone.

    Please see the account conditions (PDF) for information on your account.

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  4. Internet Saver

    We’ve simplified our savings range to make it easier for you to compare our accounts. As part of this we have made changes to the Internet Saver account.

    If you are still on an introductory rate your account will change in the future based on when the rate ends. We will write to you to let you know before this happens.

    If you have an Internet Saver and are not currently on an introductory rate, your account name will have changed to Instant Access Savings Account. Your sort code and account number will have stayed the same.

    You will have received a letter outlining the details of the changes. Along with this you also received new conditions which means:

    • Interest will be paid on all balances over £1
    • If you have existing payments set up, these will continue to be paid. However, you can’t set up any new standing orders or direct debits
    • You can run your account in branch as well as online or by phone.

    Please see the account conditions (PDF) for information on your account.

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  5. Access Cash ISA

    We’ve simplified our savings range to make it easier for you to compare our accounts.

    As part of this we have made changes to the Access Cash ISA account from March 2017.

    If you are still on an introductory rate your account will automatically change to an ISA Saver in the future based on when the rate ends. We will contact to you to let you know before this happens.

    If you have an Access Cash ISA and are not currently on an introductory rate, your account name will have changed to ISA Saver. Your sort code and account number will have stayed the same.

    You will have received a letter outlining the details of these changes. Along with this you also received new conditions which means:

    1. Interest will be paid on all balances over £1.
    2. You can run your account in branch as well as online or by phone.

    Please see the account conditions (PDF) for information on your account.

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  1. Tracker Bond

    We’ve made some changes to the Tracker Bond.

    You will have received a letter outlining the details of the changes in June 2016. Along with this you also received new conditions which means Tracker Bond accounts will automatically change to an Instant Access Savings Account at the end of the fixed term. We will write to remind customers about this before their fixed term ends.

    Please see the account conditions (PDF) for information on your account.

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  2. Fixed Rate Bond

    We’ve made some changes to the Fixed Rate Bond.

    You will have received a letter outlining the details of the changes in June 2016. Along with this you also received new conditions which means Fixed Rate Bond accounts will automatically change to an Instant Access Savings Account at the end of the fixed term. We will write to remind customers about this before their fixed term ends.

    Please see the account conditions (PDF) for information on your account.

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  3. Step Bond

    We’ve made some changes to the Step Bond.

    You will have received a letter outlining the details of the changes in June 2016. Along with this you also received new conditions which means Step Bond accounts will automatically change to an Instant Access Savings Account at the end of the fixed term. We will write to remind customers about this before their fixed term ends.

    Please see the account conditions (PDF) for information on your account.

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  4. Online Step Bond

    We’ve made some changes to the Online Step Bond.

    You will have received a letter outlining the details of the changes in June 2016. Along with this you also received new conditions which means Online Step Bond accounts will automatically change to an Instant Access Savings Account at the end of the fixed term. We will write to remind customers about this before their fixed term ends.

    Please see the account conditions (PDF) for information on your account.

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  5. Fixed Rate ISA

    We’ve made some changes to the Fixed Rate ISA.

    You will have received a letter outlining the details of the changes in March 2017. Along with this you also received new conditions which means Fixed Rate ISA accounts will automatically change to a variable rate ISA Saver at the end of the fixed term. We will contact you to remind you about this before your fixed term ends.

    Please see the account conditions (PDF) for information on your account

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