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Summary box

Key product information for your signature savings account

Account name Signature Savings Account
What is the interest rate?
Balance Gross Rate (%) AER (%)
£100,000 and over 0.25 0.25
£50,000 - £99,999 0.15 0.15
£25,000 - £49,999 0.05 0.05
£0 - £24,999 0.05 0.05

Interest is calculated on a daily basis and is paid on the last business day of each calendar quarter.

The rate of interest on this account is tiered. You will earn one rate based on your account balance.

Can Clydesdale Bank change the interest rate? Yes, if we decrease your rate we will provide at least 2 months’ notice as described in Section 14.2 of the Terms and Conditions. We may increase your rate without giving you notice.
What would the estimated balance be after 12 months based on a range of deposits?
Initial deposit at account opening Balance after 12 months
£100,000 £100,250.00
£50,000 £50,075.00
£25,000 £25,012.50
£1,000 £1,000.50

These are only examples for illustrative purposes and do not take into account your individual circumstances.

The examples assume that:

  • no further deposits or withdrawals are made;
  • any interest earned stays in the account; and
  • there is no change to interest rates and tiers.
How do I open and manage my account?

You may only open a Signature Savings Account if you have a Signature Current Account with us in the same name(s). The Signature Savings Account will remain open, provided the Signature Current Account is maintained as described in the Terms and Conditions.

The account can be opened in branch or online, www.cbonline.co.uk or call us on 0800 678 1230.

There are no minimum or maximum balance restrictions or need to pay in on a regular basis. You must be aged 18 or over.

Can I withdraw money? You may only withdraw funds by transfer to your linked current account using internet/telephone banking/Mobile Banking Service or in branch.
Additional Information

Interest will be paid gross.

Gross rate interest is the interest payable without taking account of any tax payable.

AER (Annual Equivalent Rate). The Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.

Summary box

Key product information for your savings account plus

Account name Savings Account Plus
What is the interest rate?
Balance Gross Rate (%) AER (%)
On all credit balances 0.01 0.01

Interest is calculated on a daily basis and is paid on the last business day of each calendar quarter.

Can Clydesdale Bank change the interest rate? Yes, if we decrease your rate we will provide at least 2 months’ notice as described in Section 14.2 of the Terms and Conditions. We may increase your rate without giving you notice.
What would the estimated balance be after 12 months based on a £1,000 deposit?
Initial deposit at account opening Balance after 12 months
£1,000 £1,000.10

This is only an example and does not take into account your individual circumstances.

The examples assume that:

  • no further deposits or withdrawals are made;
  • any interest earned stays in the account; and
  • there is no change to the interest rate.
How do I open and manage my account?

You may only open a Saving Account Plus Account if you have a Current Account Plus Account with us in the same name(s). The Savings Account Plus Account will remain open, provided the Current Account Plus Account is maintained as described in the Terms and Conditions.

The account can be opened in branch or online, www.cbonline.co.uk or call us on 0800 678 1230.

There are no minimum or maximum balance restrictions or need to pay in on a regular basis. You must be aged 16 or over.

Can I withdraw money? You may only withdraw funds by transfer to your linked current account using internet/telephone banking/Mobile Banking Service or in branch.
Additional Information

Interest will be paid gross.

Gross rate interest is the interest payable without taking account of any tax payable.

AER (Annual Equivalent Rate). The Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.

Summary box

Key product information for your B instant savings account

Account name B Instant Savings
What is the interest rate?
Balance Gross Rate (%) AER (%)
On all credit balances 0.50 0.50

Interest is calculated on a daily basis and is paid on the last business day of each calendar quarter.

Can Clydesdale Bank change the interest rate? Yes, if we decrease your rate we will provide at least 2 months’ notice as described in Section 9 of the Terms and Conditions. We may increase your rate without giving you notice.
What would the estimated balance be after 12 months based on a £1,000 deposit?
Initial deposit at account opening Balance after 12 months
£1,000 £1,005.00

This is only an example and does not take into account your individual circumstances.

The examples assume that:

  • no further deposits or withdrawals are made;
  • any interest earned stays in the account; and
  • there is no change to the interest rate.
How do I open and manage my account?

You may only open a B Instant Savings Account if you have a B Current Account with us in the same name(s). The B Instant Savings Account will remain open, provided the B Current Account is maintained as described in the Terms and Conditions.

The account can be opened in branch or online, www.youandb.co.uk, or call us on 0800 121 7365.

There are no minimum or maximum balance restrictions or need to pay in on a regular basis.

B is available for anyone from the age of 16. If you want to apply online, you’ll need to be at least 18. Subject to status.

Can I withdraw money? You may only withdraw funds by transfer to your B current account or any other account that we allow you to make a transfer into using internet/telephone banking/Bapp/Mobile Banking Service or in branch.
Additional Information

Interest will be paid gross.

Gross rate interest is the interest payable without taking account of any tax payable.

AER (Annual Equivalent Rate). The Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.

Summary box

Key product information for your instant savings account

Account name Instant Savings
What is the interest rate?
Balance Gross Rate (%) AER (%)
£1 and over 0.01 0.01

Interest is calculated on a daily basis and is paid on the last business day of each calendar quarter.

Can Clydesdale Bank change the interest rate? Yes, if we decrease your rate we will provide at least 2 months’ notice as described in Section 14.2 of the Terms and Conditions. We may increase your rate without giving you notice.
What would the estimated balance be after 12 months based on a £1,000 deposit?
Initial deposit at account opening Balance after 12 months
£1,000 £1,000.10

This is only an example and does not take into account your individual circumstances.

The examples assume that:

  • no further deposits or withdrawals are made;
  • any interest earned stays in the account; and
  • there is no change to the interest rate.
How do I open and manage my account?

The account can be opened in branch or online, www.cbonline.co.uk or call us on 0800 678 1230.

You must deposit at least £1 to open the account. There is no maximum balance restriction or need to pay in on a regular basis. You must be aged 16 or over.

Can I withdraw money? You may withdraw funds by using internet/telephone banking/Mobile Banking Service/ATM or in branch. No notice is required.
Additional Information

Interest will be paid gross.

Gross rate interest is the interest payable without taking account of any tax payable.

AER (Annual Equivalent Rate). The Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.

Summary box

Key product information for your 40 day notice savings account

Account name 40 Day Notice Account
What is the interest rate?
Balance Gross Rate (%) AER (%)
£75,000 and over 0.85 0.85
£25,000 - £74,999 0.70 0.70
£0 - £24,999 0.50 0.50

Interest is calculated on a daily basis and is paid on the last business day of each calendar quarter. The rate of interest on this account is tiered. You will earn one rate based on your account balance.

Can Clydesdale Bank change the interest rate? Yes, if we decrease your rate we will provide at least 2 months’ notice as described in Section 14.2 of the Terms and Conditions. We may increase your rate without giving you notice.
What would the estimated balance be after 12 months based on a range of deposits?
Initial deposit at account opening Balance after 12 months
£75,000 £75,637.50
£25,000 £25,175.00
£1,000 £1,005.00

These are only examples and do not take into account your individual circumstances.

The examples assume that:

  • no further deposits or withdrawals are made;
  • any interest earned stays in the account; and
  • there is no change to interest rates and tiers.
How do I open and manage my account?

The account can be opened in branch, or call us on 0800 678 1230.

The minimum amount to open and maintain the account is £500. You must be aged 16 or over.

Can I withdraw money?

Withdrawals require 40 days’ notice. Withdrawals without 40 days’ notice are not permitted except in the event of the death of an Account holder (or one of them if a joint account).

You can give notice in branch or by contacting your Relationship Manager.

Additional Information

Interest will be paid gross.

Gross rate interest is the interest payable without taking account of any tax payable.

AER (Annual Equivalent Rate). The Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.

Summary box

Key product information for your 3, 6, 12, 24 & 36 Month Personal Term Deposit savings account

Account name 3, 6, 12, 24 & 36 Month Personal Term Deposits
What is the interest rate?
Term Balance Gross Rate (%) AER (%)
3 months £2,000 0.45 0.45
6 months £2,000 0.65 0.65
12 months £2,000 1.00 1.00
24 months £2,000 1.26 1.25
36 months £2,000 1.37 1.35

Interest is calculated on a daily basis and can be paid at maturity of the Term Deposit. On the 24 and 36 month term deposits you can also select for interest to be added annually or paid out to you monthly or annually. Please note these rates are subject to change and are for illustrative purposes. If our rates have changed we will advise you of the correct rate before you open the Term Deposit.

Can Clydesdale Bank change the interest rate? No. The interest rate is fixed when you open the Term Deposit.
What would the estimated balance be at maturity, based on a range of deposits?
Term Initial deposit at account opening Balance at the end of the term
3 months £2,000 £2,002.25
6 months £2,000 £2,006.50
12 months £2,000 £2,020.00
24 months £2,000 £2,050.00
36 months £2,000 £2,081.00

These are only examples and show the balance at maturity and do not take into account your individual circumstances or the specific manner in which interest is calculated and applied. For example, if you opt to have interest paid out to you monthly or annually the balance would remain the same.

The examples assume that:

  • no further deposits or withdrawals are made;
  • any interest earned stays in the account; and
  • there is no change to interest rates and tiers.
How do I open and manage my account?

The account can be opened in branch or online, www.cbonline.co.uk or call us on 0800 012 1111. You must be aged 16 or over. Minimum opening balance is £2,000 and maximum is £5,000,000.

We will contact you 35 days before the Term Deposit matures with a rate for another Term Deposit and details of how to add funds, withdraw funds, change the term or close the account. If you are happy to invest again, you do not need to take any action the Term Deposit will be rolled over for the same term.

Can I withdraw money?

No, withdrawals or early closure of the Term Deposit are not permitted.

Additional Information

Interest will be paid gross.

Gross rate interest is the interest payable without taking account of any tax payable.

AER (Annual Equivalent Rate). The Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.

Summary box

Key product information for your Jumpstart savings account

Account name Jumpstart Savers Account
What is the interest rate?
Balance Gross Rate (%) AER (%)
£1,000 and over 0.50 0.50
£500 - £999 0.45 0.45
£250 - £499 0.20 0.20
£1 - £249 0.10 0.10

Interest is calculated on a daily basis and is paid on the last business day of each calendar quarter. The rate of interest on this account is tiered. You will earn one rate based on your account balance.

Can Clydesdale Bank change the interest rate? Yes, if we decrease your rate we will provide at least 2 months’ notice as described in Section 3.6.13 of the Terms and Conditions. We may increase your rate without giving you notice.
What would the estimated balance be after 12 months based on a range of deposits?
Initial deposit at account opening Balance after 12 months
£1,000 £1005.00
£500 £502.25
£250 £250.50
£100 £100.10

This is only an example and does not take into account your individual circumstances.

The examples assume that:

  • no further deposits or withdrawals are made;
  • any interest earned stays in the account; and
  • there is no change to interest rates and tiers.
How do I open and manage my account?

This is an account for children aged from 6 to 16. If children are over 11 years of age, they can open and operate the account in their name provided their parent, guardian, grandparent or other responsible adult agrees. If children are under 11, the account can be opened in their name and operated by their parent, guardian, grandparent or other responsible adult. Children can have their own dual-function card (acts as a debit card to buy goods and services and for use at ATM’s) when they are 11, providing their parent, guardian, grandparent or other responsible adult agrees.

The account can be opened in branch. The minimum amount to open and maintain the account is £1.

Can I withdraw money?

Yes, the controlling adult or child if consent has been given to allow the child to operate the account may withdraw funds by using internet/telephone banking/Mobile Banking Service/ATM or in branch. There is no notice period.

Additional Information

Interest will be paid gross.

Gross rate interest is the interest payable without taking account of any tax payable.

AER (Annual Equivalent Rate). The Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.

Summary box

Key product information for your Headstart savings account

Account name Headstart Savers Account
What is the interest rate?
Balance Gross Rate (%) AER (%)
£1 and over 1.25 1.26

The gross interest rate payable is 1% above the Bank of England base rate, which is currently 0.25%. Interest is calculated on a daily basis and is paid on the last business day of each calendar quarter.

Can Clydesdale Bank change the interest rate? The gross interest rate payable is 1% above the Bank of England base rate, which is currently 0.25%. The rates will be changed on the first business day following any Bank of England base rate change. We will only give you advance warning of any rate change if we change the rate from paying 1% above Bank of England base rate. If this happened we will provide at least 2 months’ notice as described in Section 3.6.13 of the Terms and Conditions.
What would the estimated balance be after 12 months based on a £1,000 deposit?
Initial deposit at account opening Balance after 12 months
£1,000 £1012.50

This is only an example and does not take into account your individual circumstances.

The examples assume that:

  • no further deposits or withdrawals are made;
  • any interest earned stays in the account; and
  • there is no change to interest rates and tiers.
How do I open and manage my account?

This is an account for children aged from 0 to 16. An Adult must open and operate the Account on behalf of the child;

The account can be opened in branch. The minimum amount to open and maintain the account is £1.

Can I withdraw money?

Withdrawals require 95 days’ notice. Withdrawals without 95 days’ notice are not permitted except in the event of the death of an Account holder. Notice to withdraw can be given in branch.

Additional Information

Interest will be paid gross.

Gross rate interest is the interest payable without taking account of any tax payable.

AER (Annual Equivalent Rate). The Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.

Summary box

Key product information for your Flexi Cash ISA savings account

Account name Flexi Cash ISA Account
What is the interest rate?
Balance Gross Rate (%) AER (%)
£30,000 and over 0.50 0.50
£15,000 - £29,999 0.40 0.40
£1 - £14,999 0.20 0.20

Interest is calculated on a daily basis and is paid annually on 31st December or the first business day thereafter. The rate of interest on this account is tiered. You will earn one rate based on your account balance.

Can Clydesdale Bank change the interest rate? Yes, if we decrease your rate we will provide at least 2 months’ notice as described in Section 8. 2 of the Terms and Conditions. We may increase your rate without giving you notice.
What would the estimated balance be after 12 months based on a range of deposits?
Initial deposit at account opening Balance after 12 months
£30,000 £30,150.00
£15,000 £15,060.00
£1,000 £1,002.00

This is only an example and does not take into account your individual circumstances.

The examples assume that:

  • no further deposits or withdrawals are made;
  • any interest earned stays in the account; and
  • there is no change to interest rates and tiers.
How do I open and manage my account?

The account can be opened in branch or online, www.cbonline.co.uk or call us on 0800 012 1111. You must be aged 16 or over.

Minimum deposit required to open and maintain this account is £10. The overall ISA limit for 2017/2018 is £20,000.

Can I withdraw money?

Your money is not tied up and you can take your money out of a Flexi Cash ISA at any time without losing any tax benefits. You can carry out transactions online, by phone, at your local branch and by post. No notice is required to withdraw.

Any subscriptions you make in the current tax year can be withdrawn and replaced without the replacement money counting towards your annual subscription limit.

The replacement money has to be paid back into your ISA in the same tax year it is withdrawn or you will lose the ability to replace it.

Additional Information

Tax free - interest is paid gross.

Gross rate interest is the interest payable without taking account of any tax payable.

AER (Annual Equivalent Rate). The Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.

Summary box

Key product information for your Help to Buy ISA savings account

Account name Help to Buy ISA
What is the interest rate?
Balance Gross Rate (%) AER (%)
£1 and over 1.50 1.50

Interest is calculated on a daily basis and is paid annually on 31st December or the first business day thereafter.

Can Clydesdale Bank change the interest rate? Yes, if we decrease your rate we will provide at least 2 months’ notice as described in Section 8. 2 of the Terms and Conditions. We may increase your rate without giving you notice.
What would the estimated balance be after 12 months based on a £1,000 deposit?
Initial deposit at account opening Balance after 12 months
£1,000 £1,015.00

This is only an example and does not take into account your individual circumstances.

The examples assume that:

  • no further deposits or withdrawals are made;
  • any interest earned stays in the account; and
  • there is no change to interest rates and tiers.
How do I open and manage my account?

The account can be opened in branch or online, www.cbonline.co.uk or call us on 0800 012 1111 . You must be aged 16 or over. You must be a first time buyer and never owned a property. The government will pay a bonus of 25% on account balances of between £1,600 and £12,000, when you purchase your first home in the UK. (That’s £50 for every £200 you save). This bonus amount is paid directly to the conveyancer and is not released if the house purchase is not completed. Only available for house purchases (Link opens in a new tab) under £250K (or under £450K in London).

The maximum amount you can subscribe to a Help to Buy: ISA on a monthly basis is £200 per calendar month. If you miss a month you cannot make up these funds any other calendar month. At account opening you can subscribe an additional £1,000 provided it is deposited within the same calendar month. This is in addition to your monthly £200.

There is no minimum monthly deposit. Savings of at least £1600 are required to qualify for the minimum government bonus of £400.

Can I withdraw money?

Funds can be withdrawn at any time, without charge: however please be aware that withdrawing funds from your ISA will mean you are not entitled to claim a bonus in respect of the withdrawn funds.

Additional Information

Tax free - interest is paid gross.

Gross rate interest is the interest payable without taking account of any tax payable.

AER (Annual Equivalent Rate). The Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.

Summary box

Key product information for your Cash ISA Fixed Rate Bond 38 savings account

Account name Cash ISA Fixed Rate Bond 38 - Maturity date 30th April 2018
What is the interest rate?
Balance Gross Rate (%) AER (%)
£2,000 0.75 0.75

Interest is calculated on a daily basis and is credited to the account at maturity, or on account closure.

Can Clydesdale Bank change the interest rate? No. The interest rate is fixed when you open the Fixed Rate Bond.
What would the estimated balance be at maturity based on a £2,000 deposit?
Term Initial deposit at account opening Balance after the end of the term
12 months £2,000 £2,015.00

This is only an example and does not take into account your individual circumstances.

The examples assume that:

  • no further deposits or withdrawals are made;
  • any interest earned stays in the account; and
  • there is no change to interest rates and tiers.
How do I open and manage my account?

The account can be opened in branch.

You must be aged 16 or over.

Minimum deposit required to open and maintain this account is £2,000. The overall ISA limit for 2017/2018 is £20,000.

Can I withdraw money?

You cannot make part withdrawals from your Cash ISA - Fixed Rate Bond. If you choose to close or transfer your account before Maturity, a charge will be payable. The charge is dependent on the number of days to Maturity; further details can be found in the Terms and Conditions. Please note following the closure of a Cash ISA account where the funds have not been transferred to another ISA, the funds will no longer be eligible for the tax benefits of an ISA. ISA withdrawals have no effect on annual subscription limits as once you have reached the investment limit in any tax year you cannot make any further subscriptions in that tax year regardless of the number of amount withdrawn from your investment.

Additional Information

Tax free - interest is paid gross.

Gross rate interest is the interest payable without taking account of any tax payable.

AER (Annual Equivalent Rate). The Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.

Summary box

Key product information for your Cash ISA Fixed Rate Bond 38 savings account

Account name Cash ISA Fixed Rate Bond 39 - Maturity date 31st May 2022
What is the interest rate?
Balance Gross Rate (%) AER (%)
£2,000 1.25 1.25

Interest is calculated on a daily basis and is credited to the account annually and at maturity, or on account closure.

Can Clydesdale Bank change the interest rate? No. The interest rate is fixed when you open the Fixed Rate Bond.
What would the estimated balance be at maturity based on a £2,000 deposit?
Term Initial deposit at account opening Balance at the end of the term
60 months £2,000 £2,125.00

This is only an example and does not take into account your individual circumstances.

The examples assume that:

  • no further deposits or withdrawals are made;
  • any interest earned stays in the account; and
  • there is no change to interest rates and tiers.
How do I open and manage my account?

The account can be opened in branch.

You must be aged 16 or over.

Minimum deposit required to open and maintain this account is £2,000. The overall ISA limit for 2017/2018 is £20,000.

Can I withdraw money?

You cannot make part withdrawals from your Cash ISA - Fixed Rate Bond. If you choose to close or transfer your account before Maturity, a charge will be payable. The charge is dependent on the number of days to Maturity; further details can be found in the Terms and Conditions. Please note following the closure of a Cash ISA account where the funds have not been transferred to another ISA, the funds will no longer be eligible for the tax benefits of an ISA. ISA withdrawals have no effect on annual subscription limits as once you have reached the investment limit in any tax year you cannot make any further subscriptions in that tax year regardless of the number of amount withdrawn from your investment.

Additional Information

Tax free - interest is paid gross.

Gross rate interest is the interest payable without taking account of any tax payable.

AER (Annual Equivalent Rate). The Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.

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