Interest rates for individuals
Savings accounts
For easy comparison, here’s a summary of the interest rate you earn with each of our savings accounts.
These products are no longer available to new clients.
| Interest rates for individuals | ||
| Monthly Gross P.A.ˆ | Annual Gross P.A. AER* | |
| Investec Fixed Term Deposits (on deposits between £25,000 and £1,000,000) | ||
| 1 year Fixed Term Deposit |
Closed | Closed |
| 18 month Fixed Term Deposit | Closed | Closed |
| 2 year Fixed Term Deposit | Closed | Closed |
| 3 year Fixed Term Deposit |
Closed | Closed |
Notice Plus Account - Issue 2 (on deposits between £10,000 and £1,000,000)
|
| Notice Period | Immediate access percentage | Interest rate (without loyalty rate) | Interest rate (including loyalty rate) | ||
| AER* | Gross p.a.^(variable) | AER* | Gross p.a.^(variable) | ||
| 35 | 0% | 0.30% | 0.30% | 0.35% | 0.35% |
| 10% | 0.25% | 0.25% | 0.30% | 0.30% | |
| 20% | 0.20% | 0.20% | 0.25% | 0.25% | |
| 65 | 0% | 0.30% | 0.30% | 0.35% | 0.35% |
| 10% | 0.25% | 0.25% | 0.30% | 0.30% | |
| 20% | 0.20% | 0.20% | 0.25% | 0.25% | |
| 95 | 0% | 0.50% | 0.50% | 0.55% | 0.55% |
| 10% | 0.45% | 0.45% | 0.50% | 0.50% | |
| 20% | 0.40% | 0.40% | 0.45% | 0.45% | |
| Interest rates for individuals | ||
| Monthly Gross P.A.ˆ | Annual Gross P.A. AER* | |
| Cash ISA | ||
| £0 - £999 | 0.00% | 0.00% |
| £1,000 | 0.30% | 0.30% |
| Direct Reserve Sterling | ||
| £0-£24,999 | 0.00% | 0.00% |
| £25,000-£2,000,000 | 0.30% | 0.30% |
| Direct Reserve US dollar | ||
| $0-$24,999 | 0.00% | 0.00% |
| $25,000-$2,000,000 | 0.25% | 0.25% |
| Direct Reserve euro | ||
| €0-€24,999 | 0.00% | 0.00% |
| €25,000-€2,000,000 | 0.00% | 0.00% |
| E-asy Access Acount | ||
| £0 - £9,999 | 0.05% | 0.05% |
| £10,000-£1,000,000 | 0.20% | 0.20% |
| Investec High 5 Acount | ||
| £25,000+ | 0.00% | 0.00% |
| Investec High 5 Acount Issue 2 | ||
| £25,000+ | 0.00% | 0.00% |
| 5 Year Step Up Bond | ||
| Issue | Interest rate | Start date |
| Issue 1 | 2.55% AER* for first 3 years, then 4.25% for final 2 years | 21-Mar-14 |
| Issue 2 | 2.85% AER* for first 3 years, then 3.85% for final 2 years | 01-Aug-14 |
| 01-Sep-14 | ||
| 01-Oct-14 | ||
| 03-Nov-14 | ||
| Issue 3 | 3.00% AER* for first 3 years, then 3.50% for final 2 years | 01-Dec-14 |
| Issue 4 | 2.80% AER* for first 3 years, then 3.30% for final 2 years | 19-Dec-14 |
| 02-Feb-15 | ||
| Issue 5 | 2.55% AER* for first 3 years, then 3.05% for final 2 years | 02-Mar-15 |
| Issue 6 | 2.40% AER* for first 3 years, then 2.90% for final 2 years | 01-Apr-15 |
| 01-May-15 | ||
| Issue 8 | 2.80% AER* for first 3 years, then 3.05% for final 2 years | 01-Oct-15 |
| 02-Nov-15 | ||
| Issue 9 | 2.75% AER* for first 3 years, then 3.00% for final 2 years | 01-Dec-15 |
| Issue 8 | 2.80% AER* for first 3 years, then 3.05% for final 2 years | 01-Feb-16 |
| Issue 9 | 2.75% AER* for first 3 years, then 3.00% for final 2 years | 01-Mar-16 |
| 3 Year Base Rate Plus (Release 1; interest calculated as Bank of England base rate plus 1.00%, subject to a minimum interest rate) | ||
| Issue | Minimum interest rate | Start date |
| Issue 9 | 2.20% AER* (variable) | 01-May-15 |
| 01-Jun-15 | ||
| 01-Jul-15 | ||
| 03-Aug-15 | ||
| Issue 10 | 2.30% AER* (variable) | 01-Sep-15 |
| Issue 11 | 2.35% AER* (variable) | 01-Oct-15 |
| 02-Nov-15 | ||
| Issue 12 | 2.25% AER* (variable) | 01-Dec-15 |
| 01-Feb-16 | ||
| 01-Mar-16 | ||
| 3 Year Base Rate Plus (Release 2; interest calculated as Bank of England base rate plus 0.50%, subject to a minimum interest rate) | ||
| Issue | Minimum interest rate | Start date |
| Issue 9 | 2.20% AER* (variable) | 01-May-15 |
| 01-Jun-15 | ||
| 01-Jul-15 | ||
| 03-Aug-15 | ||
| Issue 10 | 2.30% AER* (variable) | 01-Sep-15 |
| Issue 11 | 2.35% AER* (variable) | 01-Oct-15 |
| 02-Nov-15 | ||
| Issue 12 | 2.25% AER* (variable) | 01-Dec-15 |
| 01-Feb-16 | ||
| 01-Mar-16 | ||
Notice Plus Account (on deposits between £10,000 and £1,000,000)
|
| Notice Period | Immediate access percentage | Interest rate (without loyalty rate) | Interest rate (including loyalty rate) | ||
| AER* | Gross p.a.^(variable) | AER* | Gross p.a.^(variable) | ||
| 35 | 0% | 0.30% | 0.30% | 0.35% | 0.35% |
| 10% | 0.25% | 0.25% | 0.30% | 0.30% | |
| 20% | 0.20% | 0.20% | 0.25% | 0.25% | |
| 65 | 0% | 0.30% | 0.30% | 0.35% | 0.35% |
| 10% | 0.25% | 0.25% | 0.30% | 0.30% | |
| 20% | 0.20% | 0.20% | 0.25% | 0.25% | |
| 95 | 0% | 0.50% | 0.50% | 0.55% | 0.55% |
| 10% | 0.45% | 0.45% | 0.50% | 0.50% | |
| 20% | 0.40% | 0.40% | 0.45% | 0.45% | |
ˆGross p.a. is the rate of interest before any tax is deducted.
*AER stands for the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once a year. Gross means the interest rate payable before the deduction of tax. The AER is intended to be an indicative rate to help you compare the return on different savings products.