HTB
HTB
Instant Saver Reward

Earn up to 4.40% AER (variable) — apply online in minutes

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Instant Saver Reward Issue 18

Up to 4.40% AER (variable)
Save without dipping in to earn a monthly bonus on top of your base rate. Open with just £1 and manage everything online.
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Before you apply, please read the Product Summary and Terms & Conditions

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Account features

Up to
4.40%
AER (variable)
2.05% Base
2.05% Reward
  • £1 minimum
  • £250,000 maximum
  • Easy access
  • Unlimited withdrawals
  • FSCS protected
  • Managed online

Summary box

Everything you need to know about the Instant Saver Reward (Issue 18)

Product summary PDF · Download Terms & conditions PDF · Download
Account name

Instant Saver Reward (Issue 18)

What is the interest rate?

Up to 4.40% AER (variable) made up of a base rate of 2.05% and a reward bonus of 2.05% paid monthly.

Balance Base AER Reward AER Total AER
£1 – £250,000 2.05% 2.05% 4.10%
Can HTB change the interest rate?

Yes. As this is a variable rate account, the interest rate can change. We will notify you in line with the account terms and conditions

  • This is a managed variable rate, which means it is set by us and we can change it at any time.
  • If we increase the interest rate, we’ll make the change and let you know.
  • If we reduce the interest rate, we’ll provide you with advanced notice of the change equal to the notice period on your account or 30 days, whichever is greater, plus an additional 14 days.
What would the estimated balance be after 12 months based on a £1,000 deposit?
  • £1,000 invested in this account would earn £41.80 interest after 12 months.
  • £50,000 invested in this account would earn £2,090.00 interest after 12 months.
  • This is for illustrative purposes only and assumes interest is paid and compounded annually. The illustrative example does not consider the individual circumstances of a customer.
How do I open and manage my account?
  • You can open an account by completing an application form on our website.
  • This account is available to anyone aged 18 or over and a permanent resident in the United Kingdom.
  • Once your account is open, you can manage it online through our online portal, by secure message when logged in or by getting in touch.
  • You’ll need the minimum balance of £1 in the account to open it and keep it open.
  • The maximum account balance is £250,000 with a maximum of £1m balance across all your accounts with us.
Can I withdraw money?

Yes. This is an easy-access account, so you can withdraw your funds at any time without penalty.

Additional information
  • All payments must be made to – and from – your nominated bank account or into another account with us.
  • Your eligible deposits are protected up to a total of £120,000 by the Financial Services Compensation Scheme.
  • Read our full terms and conditions here.
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Your savings are protected.

Eligible deposits with Hampshire Trust Bank are protected up to £120,000 per person by the Financial Services Compensation Scheme. For joint accounts, each holder is covered — up to a total of £240,000.
Learn more about FSCS protection (Test)

Is this account right for you?

Consider whether this product suits your savings goals

This may be right for you if…
  • You want flexible, unlimited access to your savings
  • You want a competitive variable rate on your savings
  • You prefer a simple account you can manage entirely online
  • You want your savings protected up to £120,000 by the FSCS
This may not be right for you if…
  • You want a guaranteed fixed rate that won't change
  • You need to save more than £250,000 in a single account
  • You want the highest possible rate — a fixed or notice account may offer more

Open an account in 3 simple steps

1
Apply online
It only takes around 5 minutes to complete your application
2
Fund your account
Transfer your deposit within 14 days of the account being opened
3
Start earning interest
Interest is calculated daily and paid on your account anniversary.

Important information

Historical rates, key terms, conditions and frequently asked questions for this account.

  • You may hold one Online Easy Access Account (Issue 33) per person. However, you may also hold other savings accounts with HTB, subject to each account’s terms and conditions.

  • If your account is not funded within 14 days of being opened, we may close the account. You would need to submit a new application if you wish to open the account again.

  • Yes, you can request a change of nominated account by contacting us. For security purposes, we may need to carry out additional verification checks before the change takes effect.

  • You can request to close your account at any time by contacting us via the online portal, by email at savings@htb.co.uk, or by calling 0343 509 5000. Any balance in the account will be returned to your nominated account, along with any interest earned up to the date of closure.

Ready to start saving?

Open your Instant Saver Reward (Issue 18) account today and earn up to 4.40% AER (variable)

Apply now — takes 5 minutes