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.
Annual
Gross P.A. AER*
Investec Fixed Term Deposits (on deposits between £25,000 and £250,000)
1 year Fixed Term Deposit
1.69% 1.70%
18 month Fixed Term Deposit 1.79% 1.80%
2 year Fixed Term Deposit 1.83% 1.85%
3 year Fixed Term Deposit
1.83%
1.85%

Interest rates are variable and subject to change. Effective from 25 September 2017.

Products that are no longer available to new clients.

 
Interest rates for individuals
                                                           Monthly
Gross P.A.
Annual
Gross P.A. AER*
E-asy Access Account
£0 - £24,999 0.10% 0.10%
£25,000 - £250,000 0.70% 0.70%
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%
Cash ISA
£0 - £999 0.00% 0.00%
£1,000 0.85% 0.85%
Investec High 5 Account
£25,000+ 1.21% 1.22%
Investec High 5 Issue 2 Account
£25,000+
1.21% 1.22%
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 3 2.45% AER* (variable) 21-Mar-14
Issue 4 2.60% AER* (variable) 01-Aug-14
01-Sep-14
01-Oct-14
03-Nov-14
Issue 5 2.50% AER* (variable) 01-Dec-14
Issue 6 2.30% AER* (variable) 19-Dec-14
02-Feb-15
Issue 7 2.10% AER* (variable) 02-Mar-15
Issue 8 2.00% AER* (variable) 01-Apr-15
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
2 Year Double Base Bond
Issue Interest rate Start date
Issue 1

2 x base rate plus 0.60%

1.60% AER* (variable) - up to 3 Aug 2016

1.10% AER* (variable) - 4 Aug 2016 to 1 Nov 2017

1.60% AER* (variable) - from 2 Nov 2017

01-Jun-15
01-Jul-15
03-Aug-15
01-Sep-15
Issue 2

2 x base rate plus 0.50%

1.50% AER* (variable) - up to 3 Aug 2016

1.00% AER* (variable) - 4 Aug 2016 to 1 Nov 2017

1.50% AER* (variable) - from 2 Nov 2017

01-Oct-15
02-Nov-15
01-Dec-15
Issue 3

2 x base rate plus 0.75%

1.75% AER* (variable) - up to 3 Aug 2016

1.25% AER* (variable) - 4 Aug 2016 to 1 Nov 2017

1.75% AER* (variable) - from 2 Nov 2017

01-Mar-16
01-Apr-16
03-May-16
01-Jun-16
Issue 4

2 x base rate plus 0.70%

1.70% AER* (variable) - up to 3 Aug 2016

1.20% AER* (variable) - 4 Aug 2016 to 1 Nov 2017

1.70% AER* (variable) - from 2 Nov 2017

01-Jul-16
01-Aug-16

*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.