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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 money, 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 10 June 2019
Previous version
Applied to all customer relationships during the period of 14 March 2019 and 09 June 2019
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 10 June 2019
Previous version
Applied to all customer relationships during the period of 14 March 2019 and 09 June 2019
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
Previous version
Applied to all customer relationships during the period of 14 March 2019 and 09 June 2019
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% | - | |
| 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 2019 | 1.42% | DOWNLOAD PDF > | Rebranded document only |
| 26 July 19 to Present | 1.35% | DOWNLOAD PDF > | Applies to all accounts from 27 September 19 |
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 Present | 1.60% | 1.90% | 1.95% | 2.05% | 2.15% | DOWNLOAD PDF > |
Some forms and other useful documents we use...
Forms and useful documents
CHANGE A LINKED ACCOUNT ON A JOINT ACCOUNT FORM
Use this to change the linked account on a joint account.
INTERNATIONAL TAX COMPLIANCE FORM
International tax compliance form
ADD A JOINT ACCOUNT HOLDER FORM
Use this to add someone one your account to create a joint account.
CHANGE YOUR PERSONAL DETAILS FORM
Use this form to change your personal details (if you don't want to do it through internet banking).