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Branch Saver

Earn a rate of 0.75% gross/AER (variable) in a month where no withdrawals are made. Or, 0.10% gross/AER (variable) in a month where withdrawals are made.

You can save from £1 to £2 million. A minimum opening deposit of £5,000 applies.

You manage the account using online, mobile, branch, cash machine, or telephone banking

Anyone who is a UK resident and is aged 16 or over can apply for the Branch Saver.

Interest Rates and payments

Your interest is calculated daily and paid into your account annually on the anniversary of account opening. You’ll get 0.75% gross/AER (variable) in any month where no withdrawals are made and 0.10% gross/AER (variable) in any month withdrawals are made.

A minimum opening deposit of £5,000 applies.

A cash card can be requested on the account.

A 14-day cancellation period applies.

The Branch Saver and its interest rates are subject to availability. Rates are variable and effective from 23 July 2013.

What happens after 12 months?

After 12 months the account will become an Everyday Saver account currently paying 0.50% gross /AER (variable) on balances from £1.

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

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

Telephone Banking
24/7 banking by phone. Speak to an advisor during the day and in the evenings or use our automated service any time of day. Call us on 0845 609 0014. 

You can visit our extensive branch network to speak to us.

Cash machines
You can do more than just withdraw cash at our cash machines. For example, pay money or cheques in, pay bills and lots more.

Find out more
Online Banking
Mobile Banking
Telephone Banking
Account Alerts

If you are applying for a Branch Saver we recommend you save and/or print the documents below. You'll need Adobe Acrobat to view them.

We will always notify you in writing if your Terms and Conditions change. The documents below are the current versions.

Please make sure you read the product terms and conditions, including the product Key Facts Document, before you apply.

You can apply for the Branch Saver savings account if you:

  • are at least 16 years of age

  • are a UK resident

  • have at least £5,000 to deposit when you open your account 

Apply by phone
Call 0800 032 4264.

Lines are open 8am to 9pm Monday-Friday and 8am to 4pm Saturday.

Apply in Branch
Book an appointment at a branch convenient to you. Find your nearest branch or call us on 0845 604 8039 to make an appointment.

Lines are open 8am to 9pm Monday-Friday and 8am to 9pm Saturday.

Rates and information correct as at 2 May 2014.

Frequently asked questions

  • To find your savings interest rate you can use our Interest Rate Finder.


    If you hold a Fast Access, SIPP Fast Access, Special Reserve, Cash ISA (TOISA), Retirement Investment Account (ANRIA), Santander Shareholder Account or Charity Investment Account, details of your interest rates can be found here.


    If you hold an online savings account, opened with Bradford and Bingley, you can find rate information here.

  • We're sorry to hear that you are thinking about closing your savings account or cash ISA. Please call 08459 724 724. Lines open 7am to 11pm Monday to Saturday and 8am-10pm on Sundays.

  • Your bond maturity date can be found on the bond certificate that was issued to you when you opened the account.

  • The easiest way to change your address and contact details (including your telephone number and email address) is to do it via Online Banking. It will be changed instantly.

    You can also change it by telephone or in branch.

    1. Online Banking (instant):
    Log on and update your details instantly from within the "My Details & Settings" tab.

    • Choose 'Change personal details' from the left hand menu and then click 'Change address'.
    • Enter your new details (including postcode) and follow the onscreen instructions.
    • Please note: You will need to enter a One Time Passcode (OTP) to complete this change, so make sure you have your mobile phone to hand.

    2. By telephone (for current account and savings customers):

    • Call our Telephone Banking line on 08459 724 724. Lines open 7am to 11pm Monday to Saturday and 8am to 10pm Sundays.

    3. In branch:

    • Complete a change of details form by
      • Printing off and completing the Change of details form *
      • Requesting a copy of the form by calling us on 08459 724 724. Lines open 7am-11pm Monday to Saturday and 8am-10pm on Sundays.
      • Collect a form from your local branch.
    • Take the form to your local branch together with relevant account documentation:
      • Your cash card, passbook or certificate and;
      • Signature bearing identification such as a full UK driving licence or valid EEA passport (this includes UK passport).

    If you would like to discuss our identification requirements please call us on 08459 724 724 and we will be happy to help. Lines open 7am to 11pm Monday to Saturday and 8am to 10pm Sundays.

    Important information for customers with alerts: If you have Account alerts set up on your account and you want these to be sent to your updated telephone number and/or email address, then you will need to amend your alerts via the 'Account Services'tab in Online Banking as they are not automatically updated when you change your details.

    * To open these documents you will need to have Adobe Reader. If you don't already have Adobe Reader you can download it for free

  • If you are eligible for gross interest because you are a non-taxpayer, then registering for gross interest is simple. Simply speak to a member of staff by visiting your local branch or calling 0845 609 0014.

  • Can't find what you are looking for? More help can be found at on the Savings FAQs page.

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 before income tax is taken off.

Net rate explained
The net rate is the interest rate we pay after deduction of income tax at the rate specified by law (currently 20%). Interest is paid net of basic rate income tax unless you register to receive interest gross.

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