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HTB / Personal Savings / Variable Rate Accounts

Variable Rate Accounts

Compare our variable rate personal savings accounts

Variable rate notice accounts are great if you’re looking for a good return on your money in exchange for locking it away for a short period of time. They’re a good alternative to fixed rate accounts if you do not want to make a longer-term commitment.

Whilst we can change the interest rate on a variable rate account, we will always tell you far enough in advance to allow you to withdraw your money before the change comes into effect if you wish to do so.

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If you already know the account you want, then let’s get started.

120 Day Notice Account (Issue 6)
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  • AER
    0.90%
  • Gross
    0.90%
  • Min investment
    £1
  • Max investment
    £250,000
More details
  • Term
    95 days
  • Interest paid
    Annually
  • How to apply
    Online
  • Withdrawals
    Not permitted without notice

What would the estimated balance be at the end of term based on two example deposit amounts

  • £1,000 invested in this account would earn £9.00 interest by the end of the term
  • £50,000 invested in this account would earn £450.00 interest by the end of the term
A variable rate account is the right choice for you if you:
  • want to add more money to the account
  • can give the required notice before withdrawal
A variable rate account is not the right choice for you if you:
  • need immediate access to your funds
  • want a fixed rate account
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More details
95 Day Notice Account (Issue 11)
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  • AER
    0.85%
  • Gross
    0.85%
  • Min investment
    £1
  • Max investment
    £250,000
More details
  • Term
    95 days
  • Interest paid
    Annually
  • How to apply
    Online
  • Withdrawals
    Not permitted without notice

What would the estimated balance be at the end of term based on two example deposit amounts

  • £1,000 invested in this account would earn £8.50 interest by the end of the term
  • £50,000 invested in this account would earn £425.00 interest by the end of the term
A variable rate account is the right choice for you if you:
  • want to add more money to the account
  • can give the required notice before withdrawal
A variable rate account is not the right choice for you if you:
  • need immediate access to your funds
  • want a fixed rate account
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More details
Online Easy Access Account (Issue 5)
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  • AER
    0.50%
  • Gross
    0.50%
  • Min investment
    £1
  • Max investment
    £250,000
More details
  • Term
    Easy access
  • Interest paid
    Annually
  • How to apply
    Online
  • Withdrawals
    Unlimited withdrawals

What would the estimated balance be at the end of term based on two example deposit amounts?

  • £1,000 invested in this account would earn £5.00 interest by the end of the term
  • £50,000 invested in this account would earn £250.00 interest by the end of the term
An easy access account is the right choice for you if you:
  • want to add more money to the account
  • need access to your money quickly
An easy access account is not the right choice for you if you:
  • want a fixed rate account
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More details
FAQs

  • We try to make everything as clear as possible, but sometimes it just isn’t. That’s why we’ve listed some of our most commonly asked questions with answers.

    Learn More
Financial Services Compensation Scheme (FSCS)

  • When you save with HTB you have the added peace of mind that comes from knowing your money is protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme.

    Any deposits you hold above the FSCS compensation limit are unlikely to be covered, unless under specific circumstances, as determined by the FSCS.

    Learn More
Terms explained

  • AER

    AER means Annual Equivalent Rate, which illustrates what the interest would be if it was compounded annually. We quote the AER on all of our accounts so that you can compare our products with those other banks.

    Gross

    Gross is the interest rate without the deduction of income tax. This is the interest paid on your account.

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Don't want a Variable Rate Account?

Cash ISA Accounts

1.16%
See Current Rates

For savings guidance contact HTB’s Personal Savings team on 020 7862 6222 or email us.

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