Current interest rates on all our savings accounts
E-Saver Plus and Saver Plus - Issue 8
Interest rates effective from 8 January 2026
|
Account |
Balance |
Gross / AER % Variable |
|
E-Saver Plus - Issue 8 (online)
|
£100 and over |
3.25% |
|
Saver Plus - Issue 8 (face to face and by post)
|
£100 and over |
3.25% |
Cash ISA (face to face and by post) and E-ISA (online)
Interest rates effective for all accounts from 30 January 2026
|
Account |
Balance |
Tax-free / AER % |
|
£100 and over |
2.35% |
|
|
£100 and over |
2.35% |
Single Access Cash ISA (face to face and by post) and Single Access E-ISA (online)
Interest rates effective for all accounts from 9 April 2026
|
Account |
Balance |
Tax-free / AER % |
|
£100 and over |
3.65% |
|
|
£100 and over |
3.65% |
Junior Cash ISA (face to face and by post)
Interest rates for existing accounts effective from 2 March 2026
|
Account |
Balance |
Tax-free / AER % |
|
£1 and over |
3.30% |
Savings Accounts
Interest rates effective for all accounts from 30 January 2026
|
Account |
Balance |
Gross / AER % Variable |
|
£100 and over |
2.25% |
|
Instant Access Saver (face to face and by post)
|
£1 and over |
2.25% |
1 Year Fixed Rate E-ISA - Issue 115 (online)
Our Fixed Rate E-ISAs can be opened online. They pay a fixed rate of interest for a set term so you'll know how much interest you’ll get back when your ISA matures.
Note that our Fixed Rate E-ISAs are offered on a first-come, first-served basis and can be withdrawn once the subscription is full.
Interest rate effective from 6 October 2026
|
Account |
Balance |
Tax-free / AER % Fixed |
|
£500 and over |
4.61% |
1 Year Fixed Rate ISA - Issue 115 (face to face or by post)
Interest rate effective from 6 October 2026
|
Account |
Balance |
Tax-free / AER % Fixed |
|
£500 and over |
4.61% |
2 Year Fixed Rate E-ISA - Issue 116 (online)
Interest rate effective from 6 October 2026
|
Account |
Balance |
Tax-free / AER % Fixed |
|
£500 and over |
4.75% |
2 Year Fixed Rate ISA - Issue 116 (face to face and by post)
Interest rate effective from 6 October 2026
|
Account |
Balance |
Tax-free / AER % Fixed |
|
£500 and over |
4.75% |
Fixed Rate E-Savings Bonds (online)
Our Fixed Rate E-Savings Bonds can be opened online. They pay a fixed rate of interest for a set term so you'll know how much interest you’ll get back when your Bond matures.
Note that our Bonds are offered on a first-come, first-served basis and can be withdrawn once the subscription is full.
Interest rate effective from 6 October 2026
|
Account |
Balance |
Gross / AER % Fixed |
|
£500 -£1 million |
4.61% Gross / AER fixed until 24 November 2027
|
Interest rate effective from 6 October 2026
|
Account |
Balance |
Gross / AER % Fixed |
|
£500 -£1 million |
4.75% Gross / AER fixed until 22 November 2028 |
Savings Bonds (face to face and by post)
Our Fixed Rate Savings Bonds can be opened face to face in our Relationship Centres or by post. They pay a fixed rate of interest for a set term so you'll know how much interest you’ll get back when your Bond matures.
Note that our Savings Bonds are offered on a first-come, first-served basis and can be withdrawn once the subscription is full.
Interest rate effective from 6 October 2026
|
Account |
Balance |
Gross / AER % Fixed |
|
£500-£1 million |
4.61% Gross / AER fixed until 24 November 2027 |
Interest rate effective from 6 October 2026
|
Account |
Balance |
Gross / AER % Fixed |
|
£500-£1 million |
4.75% Gross / AER fixed until 22 November 2028 |
Client Account Online
Interest rates for new and existing accounts effective from 2 February 2026
|
Account |
Balance |
Gross / AER % Variable |
|
Client Account Online
|
£1 up to £2,000,000 £1 up to £10,000,000
|
1.35% |
Trust Accounts
Available only through solicitors regulated by the Law Society of Scotland, and by directly contacting our Client Account Online team.
Interest rates for new and existing accounts effective from 31 January 2026
|
Account |
Balance |
Gross / AER % Variable |
|
Trust Instant Access Saver
|
. £10,000 up to £2,000,000
|
1.75 |
Interest rates effective from 6 October 2026
|
Account |
Balance |
Gross / AER % Fixed |
|
Trust Bond Issue 3
|
. £10,000 up to £2,000,000
|
2.50% till 22 November 2028 |
|
|
|
Loyalty Cash ISA
Our Loyalty Cash ISA rewards existing account holders with a higher rate of interest the longer they keep their money with Scottish Building Society.
The rate below is for existing account holders only, unfortunately we're no longer accepting new applications.
Interest rates for existing accounts effective from 30 January 2026
|
Account |
Balance |
Tax-free / AER % Variable |
|
Loyalty Cash ISA
|
£1 and over |
|
Other Accounts
These products are no longer available and rates shown are for existing accounts only.
Interest rates for existing accounts effective from 9 September 2025
|
Account type |
Gross / AER % Variable |
|
30 Day Notice |
2.70% |
Interest rates for existing accounts effective from 30 January 2026
|
Junior Saver |
2.45% |
|
Junior Regular Saver |
2.45% |
|
Saver Plus - Issue 1 - 7 |
3.25% |
|
E-Saver Plus - Issue 1 - 7 |
3.25% |
|
Regular Saver |
6.00% |
Notes
- All interest rates are variable unless otherwise stated.
- AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year.
- Interest will be paid gross and you will be responsible for paying any tax due to HMRC.
Please read the our Savings Terms and Conditions, together with the relevant product details online or in-branch leaflets for further information on the accounts listed.
Please note that products may be withdrawn at any time without notice.
We're here to help
You can visit us in our Relationship Centres, or call us on 0333 207 4007. Our lines are open 9am - 5pm Monday to Friday (10am - 5pm Wednesday). Calls may be recorded and/or monitored.