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1 Year SME Fixed Saver (Issue 57)
  • AER
    4.22%
  • Gross
    4.22%
  • Min investment
    £5,000
  • Max investment
    £750,000
More details
  • Term
    1 year
  • Interest paid
    Annually
  • How to apply
    Online only
  • Withdrawals
    Not permitted before maturity

Can HTB change the interest rate?

  • No, the interest rate is fixed for the duration of the term.

What would the estimated balance be at the end of the term based on certain deposits?

  • £5,000 invested in this account would earn £211.00 interest by the end of the term.
  • £100,000 invested in this account would earn £4,220.00 interest by the end of the term.
  • 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 the account?

  • You can open an account by completing an application form on our website.
  • This account is available to businesses and organisations in the United Kingdom. This includes limited companies, public limited companies, partnerships, limited liability partnerships, registered charities, clubs, associations and societies.
  • 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.
  • The fixed term starts on the date the account is open. Interest starts when the first payment is received.
  • You’ll need the minimum balance of £5,000 in the account to open it and keep it open.
  • The maximum account balance is £750,000 with a maximum of £1m balance across all your accounts with us.

Can I withdraw money?

  • No. This bond offers a fixed rate for a fixed term, so you can only close it, withdraw or transfer your money at the end of the term (maturity).
  • We will get in touch before maturity to remind you of the date that your fixed term ends, detailing your options and asking for your maturity instructions. You can ask us to reinvest some or all of it into new accounts or return it to your nominated account.
  • If you don’t tell us what you’d like to do by the fixed term maturity date, we’ll move your balance into our Maturity Easy Access Account to keep your matured balance protected while you decide what to do with it − we’ll send you more information about this account nearer the time.

Additional information

  • You have 14 days from the date you applied for the account to fund it, during which time you can make as many payments into the account as you like up to the maximum balance. After this time, your account will not be able to accept further funds. If the account remains unfunded at 14 days, it will be closed.
  • All payments must be made to – and from – your nominated bank account or into another account with us.
  • Read our full terms and conditions here.

 

An SME fixed saver account might be the right choice if you
  • do not need access to your money for the whole fixed term
  • want to know exactly how much interest you’ll earn
  • want to make an unlimited number of deposits for the first 14 days only
  • you have an email and mobile phone number.
An SME fixed saver account might not be the right choice if you
  • might need access to your savings during the term
  • want to make withdrawals during the term
  • want to add more money to the account during the fixed term
  • you don’t have an email or mobile phone number.
More details
2 Year SME Fixed Saver (Issue 47)
  • AER
    4.11%
  • Gross
    4.11%
  • Min investment
    £5,000
  • Max investment
    £750,000
More details
  • Term
    2 years
  • Interest paid
    Annually
  • How to apply
    Online only
  • Withdrawals
    Not permitted before maturity

Can HTB change the interest rate?

  • No, the interest rate is fixed for the duration of the term.

What would the estimated balance be at the end of the term based on certain deposits?

  • £5,000 invested in this account would earn £419.45 interest by the end of the term.
  • £100,000 invested in this account would earn £8,388.92 interest by the end of the term.
  • 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 the account?

  • You can open an account by completing an application form on our website.
  • This account is available to businesses and organisations in the United Kingdom. This includes limited companies, public limited companies, partnerships, limited liability partnerships, registered charities, clubs, associations and societies.
  • 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.
  • The fixed term starts on the date the account is open. Interest starts when the first payment is received.
  • You’ll need the minimum balance of £5,000 in the account to open it and keep it open.
  • The maximum account balance is £750,000 with a maximum of £1m balance across all your accounts with us.

Can I withdraw money?

  • No. This bond offers a fixed rate for a fixed term, so you can only close it, withdraw or transfer your money at the end of the term (maturity).
  • We will get in touch before maturity to remind you of the date that your fixed term ends, detailing your options and asking for your maturity instructions. You can ask us to reinvest some or all of it into new accounts or return it to your nominated account.
  • If you don’t tell us what you’d like to do by the fixed term maturity date, we’ll move your balance into our Maturity Easy Access Account to keep your matured balance protected while you decide what to do with it − we’ll send you more information about this account nearer the time.

Additional information

  • You have 14 days from the date you applied for the account to fund it, during which time you can make as many payments into the account as you like up to the maximum balance. After this time, your account will not be able to accept further funds. If the account remains unfunded at 14 days, it will be closed.
  • All payments must be made to – and from – your nominated bank account or into another account with us.
  • Read our full terms and conditions here.

 

An SME fixed saver account might be the right choice if you
  • do not need access to your savings for the whole fixed term
  • want to know exactly how much interest you’ll earn
  • want to make an unlimited number of deposits for the first 14 days only
  • you have an email and mobile phone number.
An SME fixed saver account might not be the right choice if you
  • might need access to your savings during the term
  • want to make withdrawals during the term
  • want to add more money to the account during the fixed term
  • you don’t have an email or mobile phone number.
More details
3 Year SME Fixed Saver (Issue 27)
  • AER
    4.07%
  • Gross
    4.07%
  • Min investment
    £5,000
  • Max investment
    £750,000
More details
  • Term
    3 years
  • Interest paid
    Annual
  • How to apply
    Online only
  • Withdrawals
    Not permitted before maturity

Can HTB change the interest rate?

  • No, the interest rate is fixed for the duration of the term.

What would the estimated balance be at the end of the term based on certain deposits?

  • £5,000 invested in this account would earn £635.68 interest by the end of the term.
  • £100,000 invested in this account would earn £12,713.69 interest by the end of the term.
  • 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 the account?

  • You can open an account by completing an application form on our website.
  • This account is available to businesses and organisations in the United Kingdom. This includes limited companies, public limited companies, partnerships, limited liability partnerships, registered charities, clubs, associations and societies.
  • 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.
  • The fixed term starts on the date the account is open. Interest starts when the first payment is received.
  • You’ll need the minimum balance of £5,000 in the account to open it and keep it open.
  • The maximum account balance is £750,000 with a maximum of £1m balance across all your accounts with us.

Can I withdraw money?

  • No. This bond offers a fixed rate for a fixed term, so you can only close it, withdraw or transfer your money at the end of the term (maturity).
  • We will get in touch before maturity to remind you of the date that your fixed term ends, detailing your options and asking for your maturity instructions. You can ask us to reinvest some or all of it into new accounts or return it to your nominated account.
  • If you don’t tell us what you’d like to do by the fixed term maturity date, we’ll move your balance into our Maturity Easy Access Account to keep your matured balance protected while you decide what to do with it − we’ll send you more information about this account nearer the time.

Additional information

  • You have 14 days from the date you applied for the account to fund it, during which time you can make as many payments into the account as you like up to the maximum balance. After this time, your account will not be able to accept further funds. If the account remains unfunded at 14 days, it will be closed.
  • All payments must be made to – and from – your nominated bank account or into another account with us.
  • Read our full terms and conditions here.

 

An SME fixed saver account might be the right choice if you
  • do not need access to your savings for the whole fixed term
  • want to know exactly how much interest you’ll earn
  • want to make an unlimited number of deposits for the first 14 days only
  • you have an email and mobile phone number.
An SME fixed saver account might not be the right choice if you
  • might need access to your savings during the term
  • want to make withdrawals during the term
  • want to add more money to the account during the fixed term
  • you don’t have an email or mobile phone number.
More details
5 Year SME Fixed Saver (Issue 16)
  • AER
    4.30%
  • Gross
    4.30%
  • Min investment
    £5,000
  • Max investment
    £750,000
More details
  • Term
    5 years
  • Interest paid
    Annual
  • How to apply
    Online only
  • Withdrawals
    Not permitted before maturity

Can HTB change the interest rate?

  • No, the interest rate is fixed for the duration of the term.

What would the estimated balance be at the end of the term based on certain deposits?

  • £5,000 invested in this account would earn £1,171.51 interest by the end of the term.
  • £100,000 invested in this account would earn £23,430.23 interest by the end of the term.
  • 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 the account?

  • You can open an account by completing an application form on our website.
  • This account is available to businesses and organisations in the United Kingdom. This includes limited companies, public limited companies, partnerships, limited liability partnerships, registered charities, clubs, associations and societies.
  • 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.
  • The fixed term starts on the date the account is open. Interest starts when the first payment is received.
  • You’ll need the minimum balance of £5,000 in the account to open it and keep it open.
  • The maximum account balance is £750,000 with a maximum of £1m balance across all your accounts with us.

Can I withdraw money?

  • No. This bond offers a fixed rate for a fixed term, so you can only close it, withdraw or transfer your money at the end of the term (maturity).
  • We will get in touch before maturity to remind you of the date that your fixed term ends, detailing your options and asking for your maturity instructions. You can ask us to reinvest some or all of it into new accounts or return it to your nominated account.
  • If you don’t tell us what you’d like to do by the fixed term maturity date, we’ll move your balance into our Maturity Easy Access Account to keep your matured balance protected while you decide what to do with it − we’ll send you more information about this account nearer the time.

Additional information

  • You have 14 days from the date you applied for the account to fund it, during which time you can make as many payments into the account as you like up to the maximum balance. After this time, your account will not be able to accept further funds. If the account remains unfunded at 14 days, it will be closed.
  • All payments must be made to – and from – your nominated bank account or into another account with us.
  • Read our full terms and conditions here.

 

An SME fixed saver account might be the right choice if you
  • do not need access to your savings for the whole fixed term
  • want to know exactly how much interest you’ll earn
  • want to make an unlimited number of deposits for the first 14 days only
  • you have an email and mobile phone number.
An SME fixed saver account might not be the right choice if you
  • might need access to your savings during the term
  • want to make withdrawals during the term
  • want to add more money to the account during the fixed term
  • you don’t have an email or mobile phone number.
More details

What is a fixed rate charity savings account?

Frequently Asked Questions

  • General information about our charity savings accounts

    A charity savings account is designed specifically for charities and community-focused groups such as clubs, societies, community groups, churches and other non-profit organisations to save money whilst earning interest. 

    Our range of charity savings accounts, includes easy access (sometimes known as instant access), notice and fixed term (sometimes known as bond) savings accounts. Each offers a different level of flexibility, interest rate and access.   

    No – we don’t apply fees or charges on our standard charity savings accounts. 

    Some more specialist accounts, such as a limited access account, may incur charges which will be detailed in the account’s Summary Box. 

    Eligible deposits for charities are protected by the Financial Services Compensation Scheme (FSCS). 

    If you’re unsure if your organisation is protected, you can read more information on our FSCS page.

    Our charity savings accounts have a minimum balance of between £5,000 and £20,000 – the specific amount will be made clear when you open the account and in the Summary Box.   

    You may invest up to £750,000 in a single account and up to £1,000,000 in total with us. Some accounts may allow higher balances, and this will be detailed in the Summary Box.

    In most cases, it’s unlikely a registered charity would need to pay tax on interest earned, provided the funds are used for charitable purposes. Charities may be eligible to reclaim tax deducted on interest earned, subject to applicable regulations. 

    We’ll upload a statement with the interest earned for the previous tax year to our online portal, which you can include in your tax filing. Get in touch if you need this another way. 

    The way your savings are taxed depends on your personal circumstances. We don’t provide tax advice and tax rules may change in the future.

    It’s quick and easy and can be completed entirely online in around 10 minutes. 

    Once this is complete, as part of our ongoing compliance procedures, we will conduct a review.

    To help us complete the review, we may ask for some of the following: 

    • Minutes of meeting: A recent meeting of your Charity/club/association’s governing body, evidencing the decision to open a charity savings account with us at Hampshire Trust Bank.  The minutes should clearly state that the members or trustees agreed to open an account with us specifically and authorisation for the account signatory(s) to act as the primary contact and manage the account on behalf of your organisation 
    • List of Trustees/governing body members:  A current list of all senior trustees, committee members, or individuals who form the governing body of the organisation 
    • Latest annual accounts (if applicable): If your club/association prepares annual accounts, please provide the most recent version.  If not applicable, please let us know 
    • Bank statements: 6 Months bank statement from your organisation. If the bank account has been opened for less than 6 months, please provide statement from account open date 
    • Verification documents:  In addition to the above, please also provide any other documents you believe would be helpful in verifying the club/association’s current status, such as your constitution, governing document, registration certificates, or any other relevant documentation. 

    Our savings accounts are designed for UK-based organisations with under 250 employees:  

    • Sole traders – trading in the UK  
    • Limited companies/PLCs/LLPs – incorporated in the UK  
    • Partnerships  
    • Charities – registered in the UK  
    • Clubs and associations  
    • Small local authorities/PCCs/councils  
    • Schools  
    • Religious organisations  
    • Small financial institutions. 

    You can manage your account and message us when logged into our online portal.

    If you’ve always managed your account with us in a different way for a specific reason, for example by post, you can keep doing this.

Proud of our Achievements

Charity Easy Access and Notice Savings Accounts

4.14%
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