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.

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
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)
  • If your account balance falls below £10,000, you will earn 0.00% gross p.a.^ (variable)/AER*.
  • If your account balance is greater than £1,000,000, you will earn 0.25% gross p.a.^(variable)/AER* on the portion of your funds above £1,000,000.
  • Interest is calculated daily and paid monthly.
Notice Plus Account - Issue 2 (on deposits between £10,000 and £1,000,000)
  • If your account balance falls below £10,000, you will earn 0.00% gross p.a.^ (variable)/AER*.
  • If your account balance is greater than £1,000,000, you will earn 0.25% gross p.a.^(variable)/AER* on the portion of your funds above £1,000,000.
  • Interest is calculated daily and paid monthly.
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% 1.10% 1.09% 1.15% 1.14%
10% 1.05% 1.04% 1.10% 1.09%
20% 1.00% 1.00% 1.05% 1.05%
 
65 0% 1.20% 1.19% 1.25% 1.24%
10% 1.15% 1.14% 1.20% 1.19%
20% 1.10% 1.09% 1.15% 1.14%
 
95 0% 1.35% 1.34% 1.40% 1.39%
10% 1.30% 1.29% 1.35% 1.34%
20% 1.25% 1.24% 1.30% 1.29%
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% 1.10% 1.09% 1.15% 1.14%
10% 1.05% 1.04% 1.10% 1.09%
20% 1.00% 1.00% 1.05% 1.05%
 
65 0% 1.20% 1.19% 1.25% 1.24%
10% 1.15% 1.14% 1.20% 1.19%
20% 1.10% 1.09% 1.15% 1.14%
 
95 0% 1.35% 1.34% 1.40% 1.39%
10% 1.30% 1.29% 1.35% 1.34%
20% 1.25% 1.24% 1.30% 1.29%

Products that are no longer available to new clients.

 
Interest rates for individuals
  Monthly Gross P.A.ˆ Annual Gross P.A. AER*
Cash ISA
£0 - £999 0.00% 0.00%
£1,000 0.85% 0.85%
Direct Reserve Sterling
£0-£24,999 0.00% 0.00%
£25,000-£2,000,000 0.85% 0.85%
Direct Reserve US dollar
$0-$24,999 0.00% 0.00%
$25,000-$2,000,000 0.50% 0.50%
Direct Reserve euro
€0-€24,999 0.00% 0.00%
€25,000-€2,000,000 0.05% 0.05%
E-asy Access Acount
£0 - £9,999 0.10% 0.10%
£10,000-£1,000,000  0.85% 0.85%
Investec High 5 Acount
£25,000+ 0.87% 0.87%
Investec High 5 Acount Issue 2
£25,000+ 0.87% 0.87%
Interest rates for individuals
  Monthly Gross P.A.ˆ Annual Gross P.A. AER*
Cash ISA
£0 - £999 0.00% 0.00%
£1,000 0.85% 0.85%
Direct Reserve Sterling
£0-£24,999 0.00% 0.00%
£25,000-£2,000,000 0.85% 0.85%
Direct Reserve US dollar
$0-$24,999 0.00% 0.00%
$25,000-$2,000,000 0.50% 0.50%
Direct Reserve euro
€0-€24,999 0.00% 0.00%
€25,000-€2,000,000 0.05% 0.05%
E-asy Access Acount
£0 - £9,999 0.10% 0.10%
£10,000-£1,000,000  0.85% 0.85%
Investec High 5 Acount
£25,000+ 0.87% 0.87%
Investec High 5 Acount Issue 2
£25,000+ 0.87% 0.87%
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
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)
  • If your account balance falls below £10,000, you will earn 0.00% gross p.a.^ (variable)/AER*.
  • If your account balance is greater than £1,000,000, you will earn 0.25% gross p.a.^(variable)/AER* on the portion of your funds above £1,000,000.
  • Interest is calculated daily and paid monthly.
Notice Plus Account (on deposits between £10,000 and £1,000,000)
  • If your account balance falls below £10,000, you will earn 0.00% gross p.a.^ (variable)/AER*.
  • If your account balance is greater than £1,000,000, you will earn 0.25% gross p.a.^(variable)/AER* on the portion of your funds above £1,000,000.
  • Interest is calculated daily and paid monthly.
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% 1.20% 1.19% 1.25% 1.24%
10% 1.15% 1.14% 1.20% 1.19%
20% 1.10% 1.09% 1.15% 1.14%
 
65 0% 1.30% 1.29% 1.35% 1.34%
10% 1.25% 1.24% 1.30% 1.29%
20% 1.20% 1.19% 1.25% 1.24%
 
95 0% 1.60% 1.59% 1.65% 1.64%
10% 1.55% 1.54% 1.60% 1.59%
20% 1.50% 1.49% 1.55% 1.54%
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% 1.20% 1.19% 1.25% 1.24%
10% 1.15% 1.14% 1.20% 1.19%
20% 1.10% 1.09% 1.15% 1.14%
 
65 0% 1.30% 1.29% 1.35% 1.34%
10% 1.25% 1.24% 1.30% 1.29%
20% 1.20% 1.19% 1.25% 1.24%
 
95 0% 1.60% 1.59% 1.65% 1.64%
10% 1.55% 1.54% 1.60% 1.59%
20% 1.50% 1.49% 1.55% 1.54%
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.