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Saving is nothing like as exciting as spending.

But keep it simple and it's much more likely to attract your interest.

We believe saving should be uncomplicated, certain and naturally easy to do. So we make sure all our products are simple and straightforward.

No tricky terms and conditions. No short-term, introductory rates or confusing bonuses. That's our policy.


Choose your savings account



It's hard to know who to trust with your money these days. But it's an easier decision if the products are presented clearly.

Save with us, and here are three things we'll save you from: No confusing terms. No Short-lived bonuses. No impossible rates.


From 6 April 2016 HM Revenue & Customs (HMRC) introduced a tax-free Personal Savings Allowance for all savings income or interest of up to £1,000 (£500 for higher rate taxpayers, no allowance for additional rate taxpayers).

The new allowance means that most people will no longer pay tax on their savings interest. Interest from Individual Savings Accounts (ISAs) do not count towards the Personal Savings Allowance as it is already tax free.

Therefore from 6 April 2016 you'll be paid your savings interest gross (ie with no tax taken off).

Click here for more information on the Personal Savings Allowance and to understand how it affects ISAs please read our Q&A information sheet or refer to the HMRC website.


The Financial Services Compensation Scheme (FSCS) is there to protect your money. It is the body which gives you automatic protection up to £85,000 if your bank, building society or credit union goes out of business; and you’ll normally get your money back within seven days.

FSCS is funded by the financial services industry, and is free to consumers.

So whatever your money is for, it’s good to know it’s protected.

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Your home may be repossessed if you do not keep up repayments on your mortgage.