Previous savings rates
From 4th July 2011 our savings product range will no longer be offered as new accounts. All existing accounts will continue to be serviced as normal. Our mortgage products will continue to be available to existing Standard Life Cash Savings & Mortgage customers only.
Personal Direct Access Savings Account
Personal 50 Day Notice Account
Personal Direct Access Cash ISA
Personal ISA 50 Day Notice Account
Personal Bond Plus Savings Account
Personal Direct Access SHARE Plus and Direct Access MATURITY Plus
Personal Freestyle ISA
Personal Select Freestyle® ISA
Personal Freestyle® Child Saver account
Business Premium Direct Access Account
Business Premium 10 Day Notice Account
Business Bonus Savings Account (accounts opened before 19 October 2008)
Business Bonus Savings Account (accounts opened after 20 October 2008)
Business Direct Access Savings Account
Business 10 Day Notice Account
Business 60 Day Notice Account
Premium 10 Day Notice Community Account
Premium 10 Day Notice Corporate Account
Business Bonus Account
Self Employed Saver
Rates effective from 12 March 2009 to 30 September 2010
Personal Direct Access Savings Account
| Balance |
Gross % |
Net % |
AER % |
| Annual interest |
| £1+ |
0.90 |
0.72 |
0.90 |
| £1,000+ |
1.00 |
0.80 |
1.00 |
| £2,500+ |
1.20 |
0.96 |
1.20 |
| £5,000+ |
1.30 |
1.04 |
1.30 |
| £10,000+ |
1.53 |
1.22 |
1.53 |
| £25,000+ |
1.58 |
1.26 |
1.58 |
| £50,000+ |
1.63 |
1.30 |
1.63 |
| Monthly interest |
| £1+ |
0.89 |
0.71 |
0.90 |
| £1,000+ |
0.99 |
0.79 |
1.00 |
| £2,500+ |
1.19 |
0.95 |
1.20 |
| £5,000+ |
1.29 |
1.03 |
1.30 |
| £10,000+ |
1.51 |
1.21 |
1.53 |
| £25,000+ |
1.56 |
1.25 |
1.58 |
| £50,000+ |
1.61 |
1.29 |
1.63 |
Personal 50 Day Notice Account & Children’s 50 Day Notice Account
| Balance |
Gross % |
Net % |
AER % |
| Annual interest |
| £1+ |
1.48 |
1.18 |
1.48 |
| £1,000+ |
1.58 |
1.26 |
1.58 |
| £2,500+ |
1.68 |
1.34 |
1.68 |
| £5,000+ |
1.78 |
1.42 |
1.78 |
| £10,000+ |
2.02 |
1.61 |
2.02 |
| £25,000+ |
2.07 |
1.65 |
2.07 |
| £50,000+ |
2.12 |
1.69 |
2.12 |
| Monthly interest |
| £1+ |
1.47 |
1.17 |
1.48 |
| £1,000+ |
1.56 |
1.25 |
1.58 |
| £2,500+ |
1.66 |
1.33 |
1.68 |
| £5,000+ |
1.76 |
1.41 |
1.78 |
| £10,000+ |
2.00 |
1.60 |
2.02 |
| £25,000+ |
2.05 |
1.64 |
2.07 |
| £50,000+ |
2.09 |
1.67 |
2.12 |
Personal Direct Access Cash ISA
Includes the Direct Access Cash ISA account that was previously a Fixed Rate ISA.
| Balance |
Tax-free % |
AER % |
| Annual interest |
| £1+ |
2.65 |
2.65 |
| Monthly interest |
| £1+ |
2.61 |
2.65 |
Personal ISA 50 Day Notice Account
| Balance |
Tax-free % |
AER % |
| Annual interest |
| £1+ |
1.48 |
1.48 |
| £1,000+ |
1.58 |
1.58 |
| £2,500+ |
1.68 |
1.68 |
| £5,000+ |
1.78 |
1.78 |
| £10,000+ |
2.02 |
2.02 |
| £25,000+ |
2.07 |
2.07 |
| £50,000+ |
2.12 |
2.12 |
| Monthly interest |
| £1+ |
1.47 |
1.48 |
| £1,000+ |
1.56 |
1.58 |
| £2,500+ |
1.66 |
1.68 |
| £5,000+ |
1.76 |
1.78 |
| £10,000+ |
2.00 |
2.02 |
| £25,000+ |
2.05 |
2.07 |
| £50,000+ |
2.09 |
2.12 |
Personal Bond Plus Account
| Balance |
Gross % |
Net % |
AER % |
| Annual interest |
| £1+ |
1.92 |
1.53 |
1.92 |
| Monthly interest |
| £1+ |
1.90 |
1.52 |
1.92 |
Direct Access SHARE Plus and Direct Access MATURITY Plus
| Balance |
Gross % |
Net % |
AER % |
| Annual interest |
| £1+ |
1.92 |
1.53 |
1.92 |
| Monthly interest |
| £1+ |
1.90 |
1.52 |
1.92 |
Freestyle ISA
| Balance |
Tax-free % |
AER % |
| Annual interest |
| £1+ |
4.11 |
4.11 |
| Monthly interest |
| £1+ |
4.03 |
4.11 |
Select Freestyle ISA
| Balance |
Tax-free % |
AER % |
| Annual interest |
| £1+ |
3.30 |
3.30 |
| Monthly interest |
| £1+ |
3.25 |
3.30 |
Freestyle Child Saver
| Balance |
Gross % |
Net % |
AER % |
| Annual interest |
| £1+ |
2.67 |
2.13 |
2.67 |
| Monthly interest |
| £1+ |
2.63 |
2.11 |
2.67 |
Business Premium Direct Access Account
| Balance |
Gross % |
Net % |
AER % |
| Annual interest |
| £1+ |
1.37 |
1.09 |
1.37 |
| £50,000+ |
1.62 |
1.29 |
1.62 |
| £200,000+ |
1.67 |
1.33 |
1.67 |
| £500,000+ |
1.72 |
1.37 |
1.72 |
| £1,000,000+ |
1.77 |
1.41 |
1.77 |
| Monthly interest |
| £1+ |
1.36 |
1.08 |
1.37 |
| £50,000+ |
1.60 |
1.28 |
1.62 |
| £200,000+ |
1.65 |
1.32 |
1.67 |
| £500,000+ |
1.70 |
1.36 |
1.72 |
| £1,000,000+ |
1.75 |
1.40 |
1.77 |
Business Premium 10 Day Notice Account
| Balance |
Gross % |
Net % |
AER % |
| Annual interest |
| £1+ |
1.65 |
1.32 |
1.65 |
| £50,000+ |
1.90 |
1.52 |
1.90 |
| £200,000+ |
1.95 |
1.56 |
1.95 |
| £500,000+ |
2.00 |
1.60 |
2.00 |
| £1,000,000+ |
2.05 |
1.64 |
2.05 |
| Monthly interest |
| £1+ |
1.63 |
1.13 |
1.65 |
| £50,000+ |
1.88 |
1.50 |
1.90 |
| £200,000+ |
1.93 |
1.54 |
1.95 |
| £500,000+ |
1.98 |
1.58 |
2.00 |
| £1,000,000+ |
2.03 |
1.62 |
2.05 |
Business Direct Access Savings Account
| Balance |
Gross % |
Net % |
AER % |
| Annual interest |
| £1+ |
0.80 |
0.64 |
0.80 |
| £50,000+ |
0.90 |
0.72 |
0.90 |
| £200,000+ |
0.95 |
0.76 |
0.95 |
| £500,000+ |
1.00 |
0.80 |
1.00 |
| £1,000,000+ |
1.05 |
0.84 |
1.05 |
| Monthly interest |
| £1+ |
0.79 |
0.63 |
0.80 |
| £50,000+ |
0.89 |
0.71 |
0.90 |
| £200,000+ |
0.94 |
0.75 |
0.95 |
| £500,000+ |
0.99 |
0.79 |
1.00 |
| £1,000,000+ |
1.04 |
0.83 |
1.05 |
Business 10 Day Notice Account
| Balance |
Gross % |
Net % |
AER % |
| Annual interest |
| £1+ |
1.08 |
0.86 |
1.08 |
| £50,000+ |
1.18 |
0.94 |
1.18 |
| £200,000+ |
1.23 |
0.98 |
1.23 |
| £500,000+ |
1.28 |
1.02 |
1.28 |
| £1,000,000+ |
1.33 |
1.06 |
1.33 |
| Monthly interest |
| £1+ |
1.07 |
0.85 |
1.08 |
| £50,000+ |
1.17 |
0.93 |
1.18 |
| £200,000+ |
1.22 |
0.97 |
1.23 |
| £500,000+ |
1.27 |
1.01 |
1.28 |
| £1,000,000+ |
1.32 |
1.05 |
1.33 |
Business 60 Day Notice Account
| Balance |
Gross % |
Net % |
AER % |
| Annual interest |
| £1+ |
1.58 |
1.26 |
1.58 |
| Monthly interest |
| £1+ |
1.56 |
1.25 |
1.58 |
Business Premium 10 Day Notice Community Account
| Balance |
Gross % |
Net % |
AER % |
| Annual interest |
| £1+ |
1.90 |
1.52 |
1.90 |
| Monthly interest |
| £1+ |
1.88 |
1.50 |
1.90 |
Business Premium 10 Day Notice Corporate Account
| Balance |
Gross % |
Net % |
AER % |
| Annual interest |
| £1+ |
2.00 |
1.60 |
2.00 |
| Monthly interest |
| £1+ |
1.98 |
1.58 |
2.00 |
Business Bonus Account
| Balance |
Gross % |
Net % |
AER % |
| Annual interest |
| £1+ |
1.37 |
1.09 |
1.37 |
| Monthly interest |
| £1+ |
1.36 |
1.08 |
1.37 |
Business Self Employed Saver
| Balance |
Gross % |
Net % |
AER % |
| Annual interest |
| £1+ |
2.12 |
1.68 |
2.12 |
| Monthly interest |
| £1+ |
2.09 |
1.67 |
2.12 |
