Savings and ISAs

Savings account with instant, penalty-free access

• 1.60% AER/gross (variable) for 12 months.
• Save from £1 up to £2 million.

Get a higher interest rate in calendar months where you make 2 or fewer withdrawals

• 2.10% AER/2.08% gross (variable) in calendar months where you make 2 or fewer withdrawals.
• 1.20% AER/1.19% gross (variable) in calendar months where you make 3 or more withdrawals.
• The term of the Limited Access Saver is 12 months.
• Minimum opening deposit of £1, the maximum balance at any time is £2 million.

Online regular savings funded from your Santander current accounts

• 5.00% AER/gross (fixed) for 12 months.
• Save up to £200 a month paid by standing order from your Santander current account.

Online savings account exclusive for Santander Edge current account customers

• 6.00% AER / 5.84% gross (variable) interest on balances up to £4,000 (includes 1.50% AER (variable) bonus rate for the first 12 months from opening).
• Minimum opening deposit of £1.

Instant access to your money

• 1.60% AER/tax-free (variable) for 12 months.
• Minimum opening deposit of £500, the maximum account balance at any time is £2 million. Interest applies to balances from £1.

Put money away for a fixed term

• 4.12% to 4.52% AER/tax-free (fixed) depending on the term. 
• Minimum opening deposit of £500, the maximum balance at any time is £2 million. No partial withdrawals allowed.
• There’s a charge equivalent to 120 days' interest if you close the account early.

Lock your money away for a fixed term

• 3.40% to 4.00% AER/gross (fixed) depending on the term.
• Minimum opening deposit of £500, the maximum balance at any time is £2 million.
• No additional deposits, withdrawals or account closures allowed.

Encourage saving from a young age

• 3.20% AER/tax-free (variable).
• No withdrawals or closures are allowed until the account matures on the child’s 18th birthday.
• No minimum deposit, the maximum balance at any time is £2 million.
• Junior ISA transfers between providers are allowed at any time.

For a surviving spouse or civil partner to benefit from an additional ISA allowance

• 3.20% AER/tax-free (variable).
• No minimum deposit, the maximum balance at any time is £2 million.
• You are the spouse or civil partner of Individual Savings Accounts (ISAs) savers who died on or after 3 December 2014.
• You will benefit from an additional ISA allowance known as an Additional Permitted Subscription (APS).