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Business Current Account

Business Current AccountsDate effective fromCurrent gross2 rate %Current AER1 %
Business Choice Account 3
£1 and over09/01/20090.000.00
Offset Business Current AccountDate effective fromCurrent gross2 rate %Current AER1 %
Offset Business Current Account 4
£1 and over09/01/20090.000.00

Business Cash Management, Notice & Term Deposit Accounts

Instant Access AccountsDate effective fromCurrent gross2 rate %Current AER1 %
Cash Management Account
£0 and over01/06/20220.250.25
BBS Scheme Account (This account is only available to Business Banking Switching Scheme customers)Date effective fromCurrent gross2 rate %Current AER1 %
BBS Scheme Account
£1 and over25/04/20220.300.30
Notice AccountsDate effective fromCurrent gross2 rate %Current AER1 %
30 Day Notice Business Account
£0 and over06/10/20221.201.21
65 Day Notice Business Account
£0 and over06/10/20221.301.31
95 Day Notice Business Account
£0 and over06/10/20221.601.61
120 Day Notice Business Account
£0 and over06/10/20221.701.71
Term Deposit AccountsDate effective fromCurrent gross2 rate %Current AER1 %
3 Month Business Term Deposit
£5,000 to £25,000,00006/10/20221.351.36
6 Month Business Term Deposit
£5,000 to £25,000,00006/10/20221.551.56
12 Month Business Term Deposit
£5,000 to £25,000,00006/10/20222.752.75
18 Month Business Term Deposit
£5,000 to £25,000,00006/10/20223.003.00
24 Month Business Term Deposit
£5,000 to £25,000,00006/10/20223.103.10

Business Access, Saver & Fixed Rate Savings Accounts

AccountEffective fromWithdrawnDetails
Business Access Savings Account
Issue 1
25/10/202221/06/2018Show details
Business Access Savings Account
Issue 2
25/10/202218/04/2019Show details
Business Access Savings Account
Issue 3
25/10/202203/07/2019Show details
Business Access Savings Account
Issue 4
25/10/202226/05/2019Show details
Business Access Savings Account
Issue 5
25/10/202206/05/2020Show details
Business Access Savings Account
Issue 6
25/10/202225/03/2020Show details
Business Access Savings Account
Issue 7
25/10/202205/05/2021Show details
Business Access Savings Account
Issue 8
25/10/202205/05/2021Show details
Business Access Savings Account
Issue 9
25/10/202211/11/2021Show details
Business Access Savings Account
Issue 10
25/10/202207/03/2022Show details
Business Access Savings Account
Issue 11
25/10/202227/04/2022Show details
Business Access Savings Account
Issue 12
25/10/202206/05/2022Show details
Business Access Savings Account
Issue 13
25/10/202207/06/2022Show details
Business Access Savings Account
Issue 14
25/10/202207/07/2022Show details
Business Access Savings Account
Issue 16
25/10/202207/11/2022Show details
Business Access Savings Account
Issue 17
07/11/2022-Show details
AccountEffective fromWithdrawnDetails
Business Saver Account
Issue 1
16/06/202006/05/2020Show details
Business Saver Account
Issue 2
20/05/2020-Show details

AccountEffective fromWithdrawnDetails
1 Year Business Fixed Rate Savings Account
Issue 1
10/05/201821/06/2018Show details
1 Year Business Fixed Rate Savings Account
Issue 3
21/06/201816/08/2018Show details
1 Year Business Fixed Rate Savings Account
Issue 5
16/08/201817/10/2018Show details
1 Year Business Fixed Rate Savings Account
Issue 7
17/10/201811/12/2018Show details
1 Year Business Fixed Rate Savings Account
Issue 9
11/12/201818/02/2019Show details
1 Year Business Fixed Rate Savings Account
Issue 11
18/02/201918/04/2019Show details
1 Year Business Fixed Rate Savings Account
Issue 13
18/04/201920/06/2019Show details
1 Year Business Fixed Rate Savings Account
Issue 15
26/04/201910/06/2019Show details
1 Year Business Fixed Rate Savings Account
Issue 17
20/06/201903/07/2019Show details
1 Year Business Fixed Rate Savings Account
Issue 19
03/07/201912/08/2019Show details
1 Year Business Fixed Rate Savings Account
Issue 20
03/07/201920/08/2019Show details
1 Year Business Fixed Rate Savings Account
Issue 21
21/08/201924/10/2019Show details
1 Year Business Fixed Rate Savings Account
Issue 22
06/09/201911/10/2019Show details
1 Year Business Fixed Rate Savings Account
Issue 23
24/10/201905/11/2019Show details
1 Year Business Fixed Rate Savings Account
Issue 24
05/11/201913/12/2019Show details
1 Year Business Fixed Rate Savings Account
Issue 25
05/11/201911/12/2019Show details
1 Year Business Fixed Rate Savings Account
Issue 26
13/12/201920/02/2020Show details
1 Year Business Fixed Rate Savings Account
Issue 27
06/01/202003/02/2020Show details
1 Year Business Fixed Rate Savings Account
Issue 28
20/02/202002/03/2020Show details
1 Year Business Fixed Rate Savings Account
Issue 29
02/03/202014/04/2020Show details
1 Year Business Fixed Rate Savings Account
Issue 30
02/03/202025/03/2020Show details
1 Year Business Fixed Rate Savings Account
Issue 31
25/03/202020/05/2020Show details
1 Year Business Fixed Rate Savings Account
Issue 32
06/05/202010/06/2020Show details
1 Year Business Fixed Rate Savings Account
Issue 33
20/05/202020/07/2020Show details
1 Year Business Fixed Rate Savings Account
Issue 34
06/07/202010/08/2020Show details
1 Year Business Fixed Rate Savings Account
Issue 35
20/07/202021/09/2020Show details
1 Year Business Fixed Rate Savings Account
Issue 36
04/09/202009/10/2020Show details
1 Year Business Fixed Rate Savings Account
Issue 37
21/09/202002/11/2020Show details
1 Year Business Fixed Rate Savings Account
Issue 38
06/11/202011/12/2020Show details
1 Year Business Fixed Rate Savings Account
Issue 39
02/11/202018/12/2020Show details
1 Year Business Fixed Rate Savings Account
Issue 40
18/12/202019/02/2021Show details
1 Year Business Fixed Rate Savings Account
Issue 41
05/01/202110/02/2021Show details
1 Year Business Fixed Rate Savings Account
Issue 42
19/02/202120/04/2021Show details
1 Year Business Fixed Rate Savings Account
Issue 43
05/03/202109/04/2021Show details
1 Year Business Fixed Rate Savings Account
Issue 45
01/04/202111/05/2021Show details
1 Year Business Fixed Rate Savings Account
Issue 47
20/04/202105/05/2021Show details
1 Year Business Fixed Rate Savings Account
Issue 49
05/05/202121/06/2021Show details
1 Year Business Fixed Rate Savings Account
Issue 51
05/05/202110/06/2021Show details
1 Year Business Fixed Rate Savings Account
Issue 53
04/06/202110/08/2021Show details
1 Year Business Fixed Rate Savings Account
Issue 55
21/06/202120/08/2021Show details
1 Year Business Fixed Rate Savings Account
Issue 57
06/08/202120/09/2021Show details
1 Year Business Fixed Rate Savings Account
Issue 59
20/08/202120/10/2021Show details
1 Year Business Fixed Rate Savings Account
Issue 61
05/10/202113/12/2021Show details
1 Year Business Fixed Rate Savings Account
Issue 63
20/10/202117/12/2021Show details
1 Year Business Fixed Rate Savings Account
Issue 65
17/12/202102/02/2022Show details
1 Year Business Fixed Rate Savings Account
Issue 67
06/01/202210/02/2022Show details
1 Year Business Fixed Rate Savings Account
Issue 69
02/02/202221/02/2022Show details
1 Year Business Fixed Rate Savings Account
Issue 71
21/02/202203/03/2022Show details
1 Year Business Fixed Rate Savings Account
Issue 73
07/03/202208/04/2022Show details
1 Year Business Fixed Rate Savings Account
Issue 75
03/03/202220/04/2022Show details
1 Year Business Fixed Rate Savings Account
Issue 77
20/04/202227/04/2022Show details
1 Year Business Fixed Rate Savings Account
Issue 79
27/04/202210/05/2022Show details
1 Year Business Fixed Rate Savings Account
Issue 81
06/05/202210/06/2022Show details
1 Year Business Fixed Rate Savings Account
Issue 83
06/05/202207/06/2022Show details
1 Year Business Fixed Rate Savings Account
Issue 85
07/06/202220/06/2022Show details
1 Year Business Fixed Rate Savings Account
Issue 87
20/06/202228/07/2022Show details
1 Year Business Fixed Rate Savings Account
Issue 89
07/07/202210/08/2022Show details
1 Year Business Fixed Rate Savings Account
Issue 91
28/07/202219/08/2022Show details
1 Year Business Fixed Rate Savings Account
Issue 93
18/08/202206/10/2022Show details
1 Year Business Fixed Rate Savings Account
Issue 95
07/09/202211/10/2022Show details
1 Year Business Fixed Rate Savings Account
Issue 97
06/10/202220/10/2022Show details
1 Year Business Fixed Rate Savings Account
Issue 101
07/11/2022-Show details
AccountEffective fromWithdrawnDetails
2 Year Business Fixed Rate Savings Account
Issue 2
10/05/201821/06/2018Show details
2 Year Business Fixed Rate Savings Account
Issue 4
21/06/201816/08/2018Show details
2 Year Business Fixed Rate Savings Account
Issue 6
16/08/201817/10/2018Show details
2 Year Business Fixed Rate Savings Account
Issue 8
17/10/201811/12/2018Show details
2 Year Business Fixed Rate Savings Account
Issue 10
11/12/201818/02/2019Show details
2 Year Business Fixed Rate Savings Account
Issue 12
18/02/201918/04/2019Show details
2 Year Business Fixed Rate Savings Account
Issue 14
18/04/201920/06/2019Show details
2 Year Business Fixed Rate Savings Account
Issue 16
26/04/201910/06/2019Show details
2 Year Business Fixed Rate Savings Account
Issue 18
20/06/201903/07/2019Show details
2 Year Business Fixed Rate Savings Account
Issue 44
17/03/202120/04/2021Show details
2 Year Business Fixed Rate Savings Account
Issue 46
01/04/202111/05/2021Show details
2 Year Business Fixed Rate Savings Account
Issue 48
20/04/202105/05/2021Show details
2 Year Business Fixed Rate Savings Account
Issue 50
05/05/202121/06/2021Show details
2 Year Business Fixed Rate Savings Account
Issue 52
05/05/202110/06/2021Show details
2 Year Business Fixed Rate Savings Account
Issue 54
04/06/202110/08/2021Show details
2 Year Business Fixed Rate Savings Account
Issue 56
21/06/202120/08/2021Show details
2 Year Business Fixed Rate Savings Account
Issue 58
06/08/202120/09/2021Show details
2 Year Business Fixed Rate Savings Account
Issue 60
20/08/202120/10/2021Show details
2 Year Business Fixed Rate Savings Account
Issue 62
05/10/202113/12/2021Show details
2 Year Business Fixed Rate Savings Account
Issue 64
20/10/202117/12/2021Show details
2 Year Business Fixed Rate Savings Account
Issue 66
17/12/202102/02/2022Show details
2 Year Business Fixed Rate Savings Account
Issue 68
06/01/202210/02/2022Show details
2 Year Business Fixed Rate Savings Account
Issue 70
02/02/202221/02/2022Show details
2 Year Business Fixed Rate Savings Account
Issue 72
21/02/202203/03/2022Show details
2 Year Business Fixed Rate Savings Account
Issue 74
07/03/202208/04/2022Show details
2 Year Business Fixed Rate Savings Account
Issue 76
03/03/202220/04/2022Show details
2 Year Business Fixed Rate Savings Account
Issue 78
20/04/202227/04/2022Show details
2 Year Business Fixed Rate Savings Account
Issue 80
27/05/202210/05/2022Show details
2 Year Business Fixed Rate Savings Account
Issue 82
06/05/202210/06/2022Show details
2 Year Business Fixed Rate Savings Account
Issue 84
06/05/202207/06/2022Show details
2 Year Business Fixed Rate Savings Account
Issue 86
07/06/202220/06/2022Show details
2 Year Business Fixed Rate Savings Account
Issue 88
20/06/202228/07/2022Show details
2 Year Business Fixed Rate Savings Account
Issue 90
07/07/202210/08/2022Show details
2 Year Business Fixed Rate Savings Account
Issue 92
28/07/202219/08/2022Show details
2 Year Business Fixed Rate Savings Account
Issue 94
19/08/202206/10/2022Show details
2 Year Business Fixed Rate Savings Account
Issue 96
07/09/202211/10/2022Show details
2 Year Business Fixed Rate Savings Account
Issue 98
06/10/202220/10/2022Show details
2 Year Business Fixed Rate Savings Account
Issue 102
07/11/2022-Show details

Charity Current Accounts

Charity Current AccountDate effective fromCurrent gross2 rate %Current AER1 %
Charity Choice Account
£1 and over04/11/20222.752.78

Charity Instant Access, Notice Accounts & Term Deposits

Charity Instant Access AccountsDate effective fromCurrent gross2 rate %Current AER1 %
Charity Instant Access Account
£1 and over25/04/20220.400.40
Charity Notice AccountsDate effective fromCurrent gross2 rate %Current AER1 %
30 Day Charity Notice Business Account
£0 and over06/10/20221.201.21
65 Day Charity Notice Business Account
£0 and over06/10/20221.301.31
95 Day Charity Notice Business Account
£0 and over06/10/20221.601.61
120 Day Charity Notice Business Account
£0 and over06/10/20221.701.71
Charity Term Deposit AccountsDate effective fromCurrent gross2 rate %Current AER1 %
3 Month Charity Term Deposit
£5,000 to £25,000,00006/10/20221.351.36
6 Month Charity Term Deposit
£5,000 to £25,000,00006/10/20221.551.56
12 Month Charity Term Deposit
£5,000 to £25,000,00006/10/20222.752.75
18 Month Charity Term Deposit
£5,000 to £25,000,00006/10/20223.003.00
24 Month Charity Term Deposit
£5,000 to £25,000,00006/10/20223.103.10
Virgin Charity Notice AccountsDate effective fromCurrent gross2 rate %Current AER1 %
Virgin Charity Notice Account
£1 and over28/07/20210.300.30

Business Credit Card

Current Rate - Purchases
1.313 Monthly Rate (%)
16.9 Effective Annual Rate (%)
Current Rate - Cash Advance
2.075 Monthly Rate (%)
27.9 Effective Annual Rate (%)

Interest is charged on cash from the date the transaction is debited to the account at a rate of 2.075% per month. No interest is charged on purchases on the statement following the purchase. However, if the balance is not repaid in full each month, interest charges will be backdated to the date the transaction is debited to the account.

Currency accounts

Currency account interest rate
Australia - RBA cash rate
Canada - bank rate
Denmark - lending rate
Euro - marginal lending facility
Hong Kong - base rate / (=US Fed + 0.50% (where a range is quoted the highest rate utilised)
Japan - basic loan rate
New Zealand - official cash rate
Norway - overnight lending rate
Poland - reference rate
Singapore - 3 month Singapore Dollar SIBOR rate
South Africa - prime rate
Sweden - lending rate
Switzerland - SNB target rate (UBL Rate) / where a range is quoted the highest rate is utilised
USA - fed rate / where a range is quoted the highest rate is utilised

The planned borrowing debit interest will be charged at a Central Bank reference rate for the currency of your account (which may change daily) plus any applicable margin (which is set out in your facility letter). Details of the Central Bank Reference rates can be found from the following web site addresses or by contacting your relationship manager or store.

Credit interest may be paid at a fixed rate for the currency of your account. Any applicable credit interest is calculated on a daily basis on the cleared credit balance and if applicable paid quarterly on the 30th of March, June, September and December.

No credit interest will be applied to cleared credit balances in any approved currency in your currency account(s).

[1] AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and added to the capital balance each year.

[2] Gross P.A. is the rate of interest paid without the deduction of tax.

[3] Business Choice Account interest rate is 2.5% below Bank of England base rate. Due to the present level of Bank of England base rate, credit interest is currently not payable on your bank account.