Ipswich Building Society

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Telephone: 0845 230 8686

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Regular Saver Accounts

Today’s society is full of ‘must haves’ but a culture of ‘buy now, pay later’ has created a mountain of credit card debt and a financial meltdown in the economy which everyone wants to move on from. We want to take things back to basics and help people to learn how to save again.

Smart Save encourages you to set yourself a target, save a bit regularly towards something special, then sit back and watch your account grow. After all, it’s always easier to save when you have an incentive.

Holiday Save is a unique product brought to you in association with Fred.Olsen Travel. Open a Holiday Save and you’ll be eligible to a discount of up to 10% off Fred. Olsen Travel’s best available price for any holiday or cruise booked through one of their outlets or Freephone 0800 954 0068. And if you open an account before 28 February 2011, you will be entered for a prize draw to win a 16 night cruise around the shores of Southern Italy. Promotion rules apply.

Watching your account grow is a whole lot more exciting than looking at your credit card statement.

Rates correct as at 24 May 2010

For previous rates please click 'View previous rates' located under the current rate table
(Investment Application forms are available to download at the bottom of this page)

* Rate excluding conditional bonus
† Rate including conditional bonus

Product	Balance	Variable Interest Current AER	Variable Interest Current Gross	Variable Interest Current Net	Summary of Terms/Payment of Interest
Holiday Save in association with Fred.Olsen Travel Download Terms & Summary Box	£10 - £500 variable monthly payments by Direct Debit (maximum £1,000 if joint account)	0.50%* 3.50%†	0.50%* 3.50%†	0.40%* 2.80%†	SUMMARY OF HOLIDAY SAVE TERMS: • One withdrawal per anniversary year • 3% variable bonus added on account anniversary subject to 11 payments received in account year. Bonus is calculated on payments made in anniversary year only • Closure subject to 14 days' notice • Annual interest on account anniversary BENEFITS TO HOLIDAY SAVE ACCOUNT HOLDERS: • Eligible for a discount of up to 10% off any holiday booked at Fred. Olsen Travel branches only • Entry into a free prize draw on 28 February 2011 to win a £5,000 Italian cruise for two people for 16 days sailing from Southampton on July 16th 2011. No alternative can be offered Click for more details
Smart Save Download Terms & Summary Box	£10 - £500 variable monthly payments by Direct Debit (maximum £1,000 if joint account)	0.50%* 3.50%†	0.50%* 3.50%†	0.40%* 2.80%†	• One withdrawal per anniversary year • 3% variable bonus added on account anniversary subject to 11 payments received in account year. Bonus is calculated on payments made in anniversary year only • Closure subject to 14 days' notice • Annual interest on account anniversary

Product	Balance	Previous AER	Previous Gross	Previous Net
Smart Save	£10 - £500 variable monthly payments by Direct Debit (maximum £1,000 if joint account)	New Account	New Account	New Account
Homebuyer Savings	£250 - £25,000	No Change	No Change	No Change

View Previous Rates

Find out more
If you would like to open one of these accounts the investment application form below can be downloaded, printed and posted to us along with your relevant identification. Alternatively, please call into any of our branches and our staff will be pleased to help you. Please refer to our Customer Information document for other useful and important information.

Useful Downloads	Download
Holiday Save and Smart Save Application and Direct Debit Forms
Identification details - documents required when opening an account
Customer Information - outlines procedures for opening and using our savings accounts
General Investment Terms & Conditions (effective from May 2010) - applies to all savings accounts with the Society