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Client Saver

A holding account for clients' money

Our Client Saver Account offers a competitive rate of interest to regulated businesses that need to keep their clients’ money separate from their own, such as solicitors. It is available to existing Santander Business Current Account customers.

With this account you get

  • Easy access to your money

  • The ability to save from £1 to £2 million

  • 0.15% gross/AER (variable) interest up to and including 31 October 2016. After this date the interest rate will reduce to 0.10% gross/AER (variable)

  • Unlimited withdrawals and additional deposits up to a balance of £2 million

  • The ability to make withdrawals or deposits online or by phone

  • Interest paid monthly

Account types
We offer two types of Client Saver Account:

  • A designated account is for businesses that need to hold money on behalf of a single client such as auditors, tax advisers or property managers for holding rental income

  • A general (pooled) account is for regulated businesses, such as solicitors, who’re involved in financial and property transactions, as well as landlords and property managers for holding tenants’ service charges and security deposits


Please read the full product details and terms & conditions before applying. Other
accounts are available; see our business savings account range to find out more.


Your money, your way
You choose how you bank with us.

Online Banking
Secure, 24/7 banking. Make payments, view statements and much more. More on Online Banking

Mobile Banking
Bank from anywhere using our Santander Business Banking app or by using Text me the app.

Free text and email alerts
You don't have to wait for your statement to arrive or to log on to find out something has happened on your account anymore. By setting up the alerts you want in Online Banking we can send you a text or email when it happens - such as when your balance goes above or below a certain amount. More on free alerts

For account servicing, call us on 0800 731 6666. Lines open 8am to 9pm Monday to Friday and 8am to 2pm Saturdays. More on Telephone Banking

Client Saver - Interest Rates

Interest is paid monthly.

Tier Effective rate if withdrawal is made
£1+ Gross Rate p.a. AER (variable)
0.15% 0.15%

0.15% gross/AER (variable) interest paid on the whole balance up to and including 31st October 2016. After this date the interest rate will reduce to 0.10% gross/AER (variable).

Up to and including 5 April 2016 interest will be paid net, unless evidence is provided to confirm your eligibility to receive interest gross. From 6 April 2016, you'll receive interest gross, with no tax taken off. The gross rate is the interest rate we pay where no income tax has been deducted.

Rates Correct as at 18 August 2016.

Please see the Key Facts Document on the Terms & conditions tab for full details.

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Everything you need to know before you apply

We recommend reading the information in the documents below before you apply. You may like to save or print them so you can refer to them in the future.

To view these documents, you may need to download Adobe Reader

Please make sure you read the product terms and conditions, including the product factsheet, before you apply.

You can apply for a Client Saver if:

  • you're a regulated business that needs to keep your clients’ money separate from your own
  • all directors, owners (shareholders) or partners are aged 18 or over
  • you have a Santander Business Current Account
  • all directors, owners (shareholders) or partners are UK residents

Please note: we may need to verify that you’re regulated by an appropriate body.

Apply in branch
Contact your local branch to see if a Local Business Manager is available to support you.

Frequently asked questions

AER explained
AER stands for Annual Equivalent Rate and shows what the interest rate would be if we paid interest and added it to your account each year.

Gross rate explained
The gross rate is the interest rate we pay where no income tax has been deducted.

Net rate explained
The net rate is the interest rate we pay after deduction of income tax at the rate specified by law.

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