Can HTB change the interest rate?
The interest rate is variable, so we can change it at any time.
There are two types of variable rates, ‘managed’ and ‘tracker’. This is a managed variable rate, which means it is set by us and can rise or fall at any time.
What would the estimated balance be after 12 months based on a £1,000 deposit?
How do I open and manage the account?
Can I withdraw money?
Additional information
Can HTB change the interest rate?
What would the estimated balance be at the end of the term based on a £20,000 deposit?
How do I open and manage the account?
Can I withdraw money?
Additional information
Can HTB change the interest rate?
What would the estimated balance be at the end of the term based on a £20,000 deposit?
How do I open and manage the account?
Can I withdraw money?
Additional information
Can HTB change the interest rate?
What would the estimated balance be at the end of the term based on a £20,000 deposit?
How do I open and manage the account?
Can I withdraw money?
Additional information
We hope everything is as clear as possible, but sometimes it just isn’t. We’ve listed some of our most commonly asked questions with answers.
If you’re looking to transfer your existing ISA fund from your current provider, you can find out more information in our FAQs.
Please click here to download the cash ISA transfer form.
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.
We’ll get in touch a few weeks before your fixed term comes to an end (the ‘account maturity’) to let you know your options and ask for your instructions.
You can give us – and amend – your maturity instructions through our online savings portal up to 2 working days before your account matures.
When your fixed term comes to an end, you’ll be able to:
To let us know what you’d like to do at maturity, or change your previous instructions, simply:
From there, you can:
Interest will be paid to either your nominated account or reinvested account, based on the advice you selected when you open the account. Your balance will be adjusted accordingly.
If you need some support while doing this, send us a secure message while you’re logged in, or get in touch.
And, if we don’t hear from you, we’ll move your balance into our maturity easy access ISA to keep it protected and tax-free while you decide what to do.
View all of our historical rates.
Read our full terms and conditions here.
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