These rates were correct from 22/10/2013 to 28/07/2014.
These rates were correct from 14/01/2013 to 25/03/2013.
These rates were correct from 12/11/2013 to 10/12/2013.
AER stands for Annual Equivalent Rate. It illustrates what your interest rate would be if interest was paid and compounded each year and allows you to easily
compare different savings accounts
. As every advertisement for a savings product, which quotes an interest rate, will contain an AER you will be able to compare more easily what return you can expect from your savings over time.
Gross rate means that credit interest is paid without income tax being deducted. You can receive your interest paid gross if you are a non-tax payer and have completed an HMRC R85 form.
Tax-free is the contractual rate of interest payable where interest is exempt from income tax.
Net rate is the rate of interest the account pays after lower rate tax has been deducted. If you are a non-taxpayer, you can reclaim the tax by completing an HMRC R85 form. As the rate of tax may vary, the net rate is given for illustration only and is rounded to two decimal places.
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