Easy Access Pensions Saver (Issue 4)
  • AER
    3.75%
  • Gross
    3.75%
  • Min investment
    £25,000
  • Max investment
    £5,000,000
More details
  • Term
    Easy access
  • Interest paid
    Annually
  • How to apply
    Online
  • Withdrawals
    Unlimited 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?

  • £100,000 invested in this account would earn £3,750.00 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. We will complete some checks on the SSAS/SIPP Administrator and underlying member(s) and let you know if we need anything else to help complete your application
  • Once your account is open, you can manage it through our Specialist Deposits team by email on [email protected]
  • You’ll need the minimum balance of £25,000 in the account to open it and keep it open
  • The maximum account balance is £5,000,000, excluding interest.

Can I withdraw money?

  • Yes – this is an easy access account, so you can make unlimited withdrawals.

Additional information

  • You have 14 days from the date you applied for the account to fund it. 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.
A Pensions easy access account might be the right choice if you
  • want to add more money to the account
  • need access to your money quickly.
A Pensions 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.
More details
6 Month Fixed Pensions Saver (Issue 10)
  • AER
    4.35%
  • Gross
    4.30%
  • Min investment
    £25,000
  • Max investment
    £5,000,000
More details
  • Term
    6 months
  • Interest paid
    At maturity
  • How to apply
    Online
  • 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?

  • £100,000 invested in this account would earn £2,150.00 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. We will complete some checks on the SSAS/SIPP Administrator and underlying member(s) and let you know if we need anything else to help complete your application
  • Once your account is open, you can manage it through our Specialist Deposits team by email on [email protected]
  • You’ll need the minimum balance of £25,000 in the account to open it and keep it open
  • The maximum account balance is £5,000,000, excluding interest.

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.

Additional information

  • You have 14 days from the date you applied for the account to fund it. 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.
A Pensions 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.
A Pensions 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.
More details
9 Month Fixed Pensions Saver (Issue 7)
  • AER
    4.27%
  • Gross
    4.25%
  • Min investment
    £25,000
  • Max investment
    £5,000,000
More details
  • Term
    9 months
  • Interest paid
    At maturity
  • How to apply
    Online
  • 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?

  • £100,000 invested in this account would earn £3,187.50 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. We will complete some checks on the SSAS/SIPP Administrator and underlying member(s) and let you know if we need anything else to help complete your application
  • Once your account is open, you can manage it through our Specialist Deposits team by email on [email protected]
  • You’ll need the minimum balance of £25,000 in the account to open it and keep it open
  • The maximum account balance is £5,000,000, excluding interest.

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.

Additional information

  • Youhave 14 days from the date you applied for the account to fund it. 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.
A Pensions 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.
A Pensions 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.
More details
1 Year Fixed Pensions Saver (Issue 13)
  • AER
    4.22%
  • Gross
    4.22%
  • Min investment
    £25,000
  • Max investment
    £5,000,000
More details
  • Term
    1 year
  • Interest paid
    Annually
  • How to apply
    Online
  • 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?

  • £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. We will complete some checks on the SSAS/SIPP Administrator and underlying member(s) and let you know if we need anything else to help complete your application
  • Once your account is open, you can manage it through our Specialist Deposits team by email on [email protected]
  • You’ll need the minimum balance of £25,000 in the account to open it and keep it open
  • The maximum account balance is £5,000,000, excluding interest.

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.

Additional information

  • Youhave 14 days from the date you applied for the account to fund it. 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.
A Pensions 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.
A Pensions 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.
More details
18 Month Fixed Pensions Saver (Issue 8)
  • AER
    4.14%
  • Gross
    4.13%
  • Min investment
    £25,000
  • Max investment
    £5,000,000
More details
  • Term
    18 months
  • Interest paid
    At maturity
  • How to apply
    Online
  • 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?

  • £100,000 invested in this account would earn £6,209.88 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. We will complete some checks on the SSAS/SIPP Administrator and underlying member(s) and let you know if we need anything else to help complete your application
  • Once your account is open, you can manage it through our Specialist Deposits team by email on [email protected]
  • You’ll need the minimum balance of £25,000 in the account to open it and keep it open
  • The maximum account balance is £5,000,000, excluding interest.

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.

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.
A Pensions 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.
A Pensions 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.
More details
2 Year Fixed Pensions Saver (Issue 10)
  • AER
    4.00%
  • Gross
    4.00%
  • Min investment
    £25,000
  • Max investment
    £5,000,000
More details
  • Term
    2 years
  • Interest paid
    Annually
  • How to apply
    Online
  • 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?

  • £100,000 invested in this account would earn £8,160.00 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. We will complete some checks on the SSAS/SIPP Administrator and underlying member(s) and let you know if we need anything else to help complete your application
  • Once your account is open, you can manage it through our Specialist Deposits team by email on [email protected]
  • You’ll need the minimum balance of £25,000 in the account to open it and keep it open
  • The maximum account balance is £5,000,000, excluding interest.

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.

Additional information

  • You have 14 days from the date you applied for the account to fund it. 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.
A Pensions 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.
A Pensions 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.
More details

Our specialist deposit accounts

This account allows operators and administrators of SIPP and SSAS pension funds to invest funds as cash on behalf of their clients. 

This offers competitive low-risk returns as well as improved flexibility and liquidity planning – especially useful when the scheme members near retirement. 

Proud to work with some of the UK’s most innovative providers. 

Reach out to our specialist deposit solutions team by calling 020 7862 3010 or emailing them here.

We’re open from 9am-5pm, Monday-Friday, and closed on bank holidays.

Reach out to our specialist deposit solutions team by calling 020 7862 3010 or emailing them here. 

We’re open from 9am–5pm, Monday–Friday, and closed on bank holidays. 

Frequently Asked Questions

  • General:

    Pension providers typically spread cash across a number of carefully selected banks, each of which will likely be separately covered under the FSCS. Any eligible deposits held with us by eligible SIPP or SSAS operators will likely be covered by the FSCS up to the current £85,000 limit – speak to your pension administrator directly if you have any questions about this.

    Deposits are kept in cash by us and availability will be dependant on the accounts you have with us. Please contact your specialist to find out more about your specific account. 

    Our pension savings accounts are not for individuals, and must be opened through the operators or administrators of the pension fund. SIPP and SSAS can be complicated products to understand so we suggest you seek independent financial advice before making any decisions.