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.

Products that 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
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 0.00% gross p.a.^(variable)/AER* on the portion of your funds above £1,000,000 with a 35 day notice period, and 0.25% gross p.a.^(variable)/AER* on the portion of your funds above £1,000,000 with a 65 or 95 day notice period.
  • 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 0.00% gross p.a.^(variable)/AER* on the portion of your funds above £1,000,000 with a 35 day notice period, and 0.25% gross p.a.^(variable)/AER* on the portion of your funds above £1,000,000 with a 65 or 95 day notice period.
  • 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% 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% 0.60% 0.60% 0.65% 0.65%
10% 0.55% 0.55% 0.60% 0.60%
20% 0.50% 0.50% 0.55% 0.55%
 
95 0% 0.70% 0.70% 0.75% 0.75%
10% 0.65% 0.65% 0.70% 0.70%
20% 0.60% 0.60% 0.65% 0.65%
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% 0.60% 0.60% 0.65% 0.65%
10% 0.55% 0.55% 0.60% 0.60%
20% 0.50% 0.50% 0.55% 0.55%
 
95 0% 0.70% 0.70% 0.75% 0.75%
10% 0.65% 0.65% 0.70% 0.70%
20% 0.60% 0.60% 0.65% 0.65%
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  0.30% 0.30%
Investec High 5 Acount
£25,000+ 0.45% 0.45%
Investec High 5 Acount Issue 2
£25,000+ 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  0.30% 0.30%
Investec High 5 Acount
£25,000+ 0.45% 0.45%
Investec High 5 Acount Issue 2
£25,000+ 0.45% 0.45%
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 0.00% gross p.a.^(variable)/AER* on the portion of your funds above £1,000,000 with a 35 day notice period, and 0.25% gross p.a.^(variable)/AER* on the portion of your funds above £1,000,000 with a 65 or 95 day notice period.
  • 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 0.00% gross p.a.^(variable)/AER* on the portion of your funds above £1,000,000 with a 35 day notice period, and 0.25% gross p.a.^(variable)/AER* on the portion of your funds above £1,000,000 with a 65 or 95 day notice period.
  • 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% 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% 0.60% 0.60% 0.65% 0.65%
10% 0.55% 0.55% 0.60% 0.60%
20% 0.50% 0.50% 0.55% 0.55%
 
95 0% 0.70% 0.70% 0.75% 0.75%
10% 0.65% 0.65% 0.70% 0.70%
20% 0.60% 0.60% 0.65% 0.65%
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% 0.60% 0.60% 0.65% 0.65%
10% 0.55% 0.55% 0.60% 0.60%
20% 0.50% 0.50% 0.55% 0.55%
 
95 0% 0.70% 0.70% 0.75% 0.75%
10% 0.65% 0.65% 0.70% 0.70%
20% 0.60% 0.60% 0.65% 0.65%
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.