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  • Personal

  • Current Account

    1|2|3 Current Account: A straightforward current account that also allows you to earn cashback and interest for just £2 a month.

  • ISA

    New ISA allowance for 2014/2015: Make the most of the increased ISA allowance.

     

  • Mortgage

    Looking for a mortgage? Take a look at our current rates and mortgage calculator.
     

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AER and EAR explained

AER stands for Annual Equivalent Rate and shows what the interest would be if we paid interest and added it to your account each year. The gross rate is the interest rate we pay before income tax is taken off. Interest is calculated daily and paid monthly. Rates may change. EAR stands for Effective Annual Rate and represents the yearly cost of an overdraft, which takes account of how often we charge interest to the account, and does not include any other fees or charges. Overdrafts depend on your circumstances and you must repay any overdraft when we ask in line with our General Terms and Conditions.