3 Year Base Rate Plus

Protect your returns

This account is no longer available to new investors.


When you want to be rewarded for long-term savings.

No matter what happens to interest rates, you'll never earn less than 2.25% AER*. This fixed minimum interest rate ensures stability for your long-term savings. The 3 Year Base Rate Plus (Release 2) pays 0.50% above the Bank of England Base Rate (variable). So if the Bank of England Base Rate goes up beyond 1.75%, you will earn the Bank of England Base Rate plus 0.50%

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Savings interest rates

Base +0.50% subject to a minimum of 2.25% AER*. Interest is paid annually.


Please read this important information about your rights under the United Kingdom’s Financial Services Compensation Scheme. 

Product features

Interest rate details

The 3 Year Base Rate Plus (Release 2) Issue 12 pays the Bank of England Base Rate plus 0.50%, with a competitive guaranteed minimum rate of 2.25% AER*. 

Term length

The term of the account is three years. You will not be able to close early or withdraw your money during this three year term.


A minimum balance of £25,000 is required to open your 3 Year Base Rate Plus account. The maximum balance is £2,000,000.

How it works

All Fixed Term Deposits will be opened with an Investec E-asy Access account. This provides you with a convenient account into which your interest can be paid and your deposit can mature. This is a fee-free easy access account and pays a competitive rate of interest and allows unlimited free withdrawals. All the features of this account, including the interest rate applicable can be viewed at E-asy Access Account.

Key product information

Account name

Account name

Base Rate Plus (Release 2).

Interest rates

Interest rates

Base +0.50% subject to a minimum of 2.25% AER*. Interest is not compounded and will be paid into your nominated account annually.

Tax status

Tax status

Interest will be paid without tax being deducted from 6 April 2016. Your tax treatment of the interest receipt will depend on your individual circumstances and if you have any specific tax questions, you should seek professional tax advice. Alternatively, further guidance can be found on the HMRC website.

Please note that your tax treatment may be subject to change in the future.



No early closure or withdrawals permitted.



Access to account via online and telephone banking.

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Investec Financial Services Compensation Scheme

Your protection

Financial Services Compensation Scheme

Your eligible deposits are protected under the UK’s Financial Services Compensation Scheme (FSCS).