A business savings account is designed specifically for businesses to save money whilst earning interest.  

There’s a range of accounts to suit business needs, including easy access (sometimes known as instant access), notice and fixed term accounts. Each offers a different level of flexibility, interest rate and access.  

No – we don’t apply fees or charges on our standard business 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. 

Our business 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 
• Credit unions. 

 We also have a specialist deposits service for credit unions (and community banks), pension administrators (SIPP & SSAS) and larger firms over 250 employees. 

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

You can manage your account and message us about it when logged into our online portal, or call us on 020 7862 6220 (Mon-Fri 9am-5pm, excluding bank holidays). 

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. 

Simply log in to our online portal. 

We’ll also upload an annual statement on the anniversary of account opening. 

Easy access business savings accounts offer a good return with the flexibility to top-up and withdraw funds at any time with ease.  

These accounts are ideal if you need immediate access to manage day-to-day expenses and unexpected costs.  

It’s important to check the Summary Box for your account to understand any specific restrictions your account may have. 

The interest rate on our business easy access accounts is variable.  

There are two types of variable rates, ‘managed’ and ‘tracker’. Check your account Summary Box to understand which one it has. 

Managed rates can be changed by us at any time, subject to us giving you notice. 

Tracker rates move up and down in line with the BoE base rate. If the base rate changes, the new interest rate on your account will apply without notice, no more than 5 business days following a change in the base rate. 

Refer to the account’s Summary Box and Terms and Conditions for more information. 

It can. Tracker interest rates are variable and can be increased or decreased depending on the Bank of England (BoE) base rate. 

We can also adjust the margin to BoE base rate at any time at our sole discretion as outlined in the account Summary Box. 

The margin is the percentage below the Bank of England base rate we detail on your Summary Box when you opened your account. This will move in line with the Bank of England Base rate minus the margin. This will move within 5 business days of a base rate change. 

We can change the margin by giving you 14 days’ notice and you can close an easy access account at any time. 

ISA stands for Individual Savings Account. The main difference between an ISA and any other savings account is that it offers tax-free interest payments, so you could get more for your money. There is a limit to how much money you can put into an ISA in each tax year, which is called the ‘ISA allowance’.

HTB will only offer a Cash ISA.

You can make a withdrawal from your easy access account when logged in online.   

Withdrawals requested before 1pm on a working day will be paid the same day. For anything requested after 1pm this will be paid the next working day. 

You can make unlimited withdrawals on a notice account, subject to your notice period. You can schedule these or send us a secure message when logged in.