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Previous Bank Accounts rates

Preferred rates* if you're over 18 (excluding students, graduates and postgraduates)

Preferred in-credit rate- Introductory Rate

In-credit rate up to £2,500 (effective until 07 March 2010)

6.00% AER/5.84% gross **

In-credit rate up to £2,500 (effective until 07 June 2009)

5.00% AER/4.89% gross**

In- credit rate above £2,500 (effective until 01 May 2009)

1.00% gross/ AER**

Typical authorised overdraft rate

19.9% EAR (variable)

Preferred in-credit rate

In-credit rate up to £2,500 (effective until 31 January 2009)

1.50% AER/1.49% gross**

In-credit rate above £2,500 (effective until 01 May 2009)

1.00% gross/AER**

Typical authorised overdraft rate

19.9% EAR (variable)

 

Preferred overdraft rate - Introductory Rate if you switch

In-credit rate up to £2,500 (effective until 07 September 2009)

0.10% gross/AER **

In-credit rate above £2,500

0.10% gross/AER**

Typical authorised overdraft rate

0% EAR (variable)

 

Preferred overdraft rate

In-credit rate up to £2,500 (effective until 07 September 2009)

0.10% gross/AER **

In-credit rate above £2,500

0.10% gross/AER**

Typical authorised overdraft rate

12.9% EAR (variable)


Standard Overdraft
In-credit interest rate 0.10% gross/AER **
Typical authorised overdraft rate 19.9% EAR (variable)


Rates if you're under 18 (11-15)
In-credit interest rate 3.00% AER/2.96% gross **
Typical authorised overdraft rate (above the agreed interest free overdraft allowance) N/A


Rates if you're under 18 (16-18)
In-credit interest rate 3.00% AER/2.69% gross **
Typical authorised overdraft rate (above the agreed interest free overdraft allowance) N/A

 

Rates if you're a student
In-credit interest rate 2.00% AER/1.98% gross **
Typical authorised overdraft rate (above the agreed interest free overdraft allowance) N/A


Rates if you're a Santander University Account holder
In-credit interest rate 5.00% AER/4.89% gross **
Typical authorised overdraft rate (above the agreed interest free overdraft allowance) 9.9% EAR (variable)


Rates if you're an International Student
In-credit interest rate 3.00% AER/2.69% gross **
Typical authorised overdraft rate (above the agreed interest free overdraft allowance) 9.9% EAR (variable)


Typical unauthorised overdraft rate 28.7% APR (Variable)


Previous Interest rates effective until 28 February 2009 unless otherwise stated.

New rates now apply
 
*To get the preferred rates, you should pay £1000 or more into your account each month (excluding Visa debit refunds)
**AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest is paid and added each year. The gross rate is the rate of interest payable before income tax deduction.