Easy Access SME Saver (Issue 4)
- AER4.37%
- Gross4.37%
- Min Investment£5,000
- Max Investment£750,000
- TermEasy access
- Interest PaidAnnually
- How to ApplyOnline
- WithdrawalsUnlimited withdrawals
Can HTB change the interest rate?
- This is a managed variable rate, which means it is set by us and we can change it at any time.
- If we increase the interest rate, we’ll make the change and let you know.
- If we reduce the interest rate, we’ll let you know at least 30 days before.
What would the estimated balance be after 12 months based on certain deposits?
- £5,000 invested in this account would earn £218.50 interest
- £100,000 invested in this account would earn £4,370.00 interest
- 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.
- 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?
- Yes – this is an easy access account, so you can make unlimited withdrawals.
Additional information
- 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 easy access account might be the right choice if you
- want to add more money to the account
- need access to your money quickly.
An easy access account might not be the right choice if you
- want a guaranteed rate of interest for a specific period
- don’t need access to your money for some time.
We try to make everything as clear as possible, but sometimes it just isn’t. That’s why we’ve listed some of our most commonly asked questions with answers.
AER means Annual Equivalent Rate, which illustrates what the interest would be if it was compounded annually. We quote the AER on all of our accounts so that you can compare our products with other banks.
Gross is the interest rate without the deduction of income tax. This is the interest paid on your account.
Variable means that the rate could change across the time that your money is in your account, with given notice.
Notice is the designated number of days that you are requested to give notice before you can access the money in your account.
Fixed rate means the rate won’t change during the term.
When you save with HTB you have the added peace of mind that comes from knowing your money is protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme.
Any deposits you hold above the FSCS compensation limit are unlikely to be covered, unless under specific circumstances, as determined by the FSCS.
View all of our historical rates.
You can download and read our full terms and conditions here.
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Looking for more certainty?
Fixed Rate SME Accounts
4.55%
Earn a guaranteed rate for a fixed period of time with our fixed rate savings accounts.
Compare our fixed term bonds
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