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Your agreement(rates and documents)
Transparency and consistency are really important to us.
Our agreement with you is made up of these documents: Terms and Conditions of our Relationship, Managing your Account, Privacy Policy and the relevant Account Information Summary.

You can find all these documents below, along with historical rates for easy reference.
 
We’ll try not to make any changes to your agreement. Sometimes we’ll need to - we’ll let you know about any important changes and list previous versions below.
The Terms and Conditions of our Relationship
Current version
Applies to all of our customers effective from 03 April 2020
Download PDF guide
Previous version
Applied to all customer relationships during the period of 03 December 2019 and 02 April 2020
Download PDF guide
Managing your Account
This document gives you information about how to manage your account and was provided to you at account opening
Current version
Applies to all of our customers effective from 03 April 2020
Download PDF guide
Previous version
Applied to all customer relationships during the period of 03 December 2019 and 02 April 2020
Download PDF guide
Privacy Policy
This document allows you to understand what information we collect and how this is being used.
Current version
Applies to all of our customers effective from 10 June 2019
Download PDF guide
Previous version
Applied to all customer relationships during the period of 14 March 2019 and 09 June 2019
Download PDF guide

Historical changes to our terms...

All rates are AER gross.

Freedom Savings Account

Opened between Variable rate Account info summary Notes for existing customers
8 June 15 to 20 July 15          1.50%

        DOWNLOAD PDF >         

 -
21 July 15 to 10 February 16                 1.65%         DOWNLOAD PDF >             -
11 February 16 to 16 March 16 1.55% DOWNLOAD PDF >  Applied to all accounts from 15 April 16
17 March 16 to 10 August 16  1.45% DOWNLOAD PDF >  Applied to all accounts from 2 June 16
6 April 16 

(no change)   

 DOWNLOAD PDF >  Tax information changes only 
11 August 16 to 22 Sept 16 1.20% DOWNLOAD PDF >  Applied to all accounts from 17 Oct 16
23 Sept 16 to 5 January 17 1.00% DOWNLOAD PDF >  Applied to all accounts from 13 Dec 16    
6 January 17 to 11 Jan 17  1.01% DOWNLOAD PDF >  Applied to all accounts from 13 Jan 17     
12 January 17 to 26 Jan 17  1.02% DOWNLOAD PDF >  Applied to all accounts from 13 Jan 17
27 January 17 to 20 July 17  1.10% DOWNLOAD PDF >  Applied to all accounts from 17 Jan 17
21 July 17 to 4 October 17  1.20% DOWNLOAD PDF >  Applied to all accounts from 21 July 17 
5 October 17 to 13 December 17 1.30% DOWNLOAD PDF >  Updated wording to account summary     
14 December 17 to 18 October 18 1.30% DOWNLOAD PDF >  Applied to all accounts from 14 Dec 17
19 October 18 to 06 December 18 1.37% DOWNLOAD PDF >  Applied to all accounts from 19 October 18        
07 December 18 to 13 March 19 1.42% DOWNLOAD PDF >  Applied to all accounts from 07 December 18            
14 March 19 to 09 June 19  1.42% DOWNLOAD PDF >  Regulatory update to document
10 June 19 to 25 July 19 1.42% DOWNLOAD PDF > Rebranded document only
26 July 19 to 24 October 19 1.35% DOWNLOAD PDF > Applied to all accounts from 27 September 19
25 October 19 to 03 December 19 1.20% DOWNLOAD PDF > Applied to all accounts from 03 January 20
04 December 19 to 14 May 20 1.20% DOWNLOAD PDF > Wording update to document
15 May 20 to 09 June 20 1.05% DOWNLOAD PDF > Applied to all accounts from 02 June 20
10 June 20 to 21 June 20 0.90% DOWNLOAD PDF >  
22 June 20 to 13 August 20 0.72% DOWNLOAD PDF > Applied to all accounts from 09 July 20
14 August 20 to Present 0.57% DOWNLOAD PDF > Applies to all accounts from 01  Sept 20

 

Fixed Term Savings Accounts;

Opened (or reinvestment decision made) between 1 year 2 year 3 year 4 year 5 year Account information summary
27 July 15 to 7 September 15 2.06% 2.35% - - - DOWNLOAD PDF >
7 September 15 to 4 February 16 2.06% 2.35% 2.70% - - DOWNLOAD PDF >
5 February 16 to 25 February 16 2.01% 2.25% 2.60% - - DOWNLOAD PDF >
26 February 16 to 17 Marrch 16 1.75% 2.15% 2.40% - - DOWNLOAD PDF >
17 March 16 to 5 April 16 1.65% 1.90% 2.15% - - DOWNLOAD PDF >
6 April 16 to 28 July 16 (no change, tax info changes only)  DOWNLOAD PDF >
28 July 16 to 11 August 16 1.50% 1.70% 1.85% - - DOWNLOAD PDF >
11 August 16 to 22 Sept 16 1.35% 1.50% 1.65% - - DOWNLOAD PDF >
22 Sept 16 to 5 January 17 1.20% 1.35% 1.50% - - DOWNLOAD PDF >
5 January 17 to 27 January 17 1.25% 1.51% 1.63% - - DOWNLOAD PDF >
27 January 17 to 30 June 17 1.31% 1.55% 1.70% - - DOWNLOAD PDF >
30 June 17 to 21 July 17 1.46% 1.71% 1.86% - - DOWNLOAD PDF >
21 July 17 to 12 January 18  1.56% 1.81% 1.96% - - DOWNLOAD PDF >
12 January 18 to 06 April 18 1.66% 1.91% 2.06% - - DOWNLOAD PDF >
06 Apri 18 to 09 August 18 1.66% 1.91% 2.31% - - DOWNLOAD PDF >
09 August 18 to 06 December 18 1.66% 2.11% 2.31% - - DOWNLOAD PDF >
07 December 18 to 13 March 19 1.71% 2.11% 2.36% - - DOWNLOAD PDF >
14 March 19 to 09 June 19 1.71% 2.11% 2.36% - - DOWNLOAD PDF >
10 June 19 to 25 July 19 1.71% 2.11% 2.36% 2.40% 2.60% DOWNLOAD PDF >
26 July 19 to 14 August 19 1.71% 2.00% 2.21% 2.30% 2.40% DOWNLOAD PDF >
15 August to 03 October 19 1.60% 1.90% 1.95% 2.05% 2.15% DOWNLOAD PDF >
03 October 19 to 03 December 19 1.50% 1.65% 1.75% 1.80% 1.90% DOWNLOAD PDF >
04 December 19 to 07 May 20 1.50% 1.65% 1.75% 1.80% 1.90% DOWNLOAD PDF >
08 May 20 to 01 June 20 1.25% 1.45% 1.55% 1.65% 1.80% DOWNLOAD PDF >
02 June 20 to 18 June 20 0.90% 1.15% 1.30% 1.35% 1.40% DOWNLOAD PDF >
19 June 20 to 27 July 20 0.80% 1.05% 1.20% 1.35% 1.40% DOWNLOAD PDF >
28 July 20 to Present 0.60% 0.80% 0.95% 1.00% 1.05% DOWNLOAD PDF >

 

95 Days' Notice Savings Account;

Opened between Variable rate Account info summary Notes for existing customers
03 April 20 to 14 May 20   

1.40%

   DOWNLOAD PDF >         

 -
15 May 20 - 31 August 20 N/A  Temporarily withdrawn from sale -
01 September 20 - Present 0.65% DOWNLOAD PDF >        Applies to all accounts from 09 December 20
Some forms and other useful documents we use...
Forms and useful documents
Download PDF guide
INTERNATIONAL TAX COMPLIANCE FORM
International tax compliance form
Download PDF guide
ADD A JOINT ACCOUNT HOLDER FORM
Use this to add someone one your account to create a joint account.
Download PDF guide
CHANGE YOUR PERSONAL DETAILS FORM
If you have a joint account, use this form to change your personal details (including your linked account)
Download PDF guide