- Home
- > Savings
- > Interest rates
- > Personal rates
Saving Interest Rates
These rates apply to our personal savings accounts. Previous rates are also available.
The rates shown here apply where interest is paid annually, quarterly or at the end of the term (as shown) - a monthly income option is available on some products at slightly lower rates.
You can either browse through all the savings interest rates using the scroll bar or click on the account you're interested in below to view the saving rate.
You can also view personal monthly rates.
Variable Rates
Variable Rate Halifax Web Saver
Variable Rate Halifax ISA Saver
Halifax Guaranteed Saver Reward
Halifax Premium Savings Direct
Halifax Monthly Saver Young Savers Rate
Halifax Asset Reserve Cheque Account
Fixed Rates
Halifax Stepped Income Reserve
Halifax Children's Regular Saver
The AER shown for each account is the Annual Equivalent Rate
UK annual rates: Rates are subject to change but are correct as at 1st November 2008
Balance | AER | Gross p.a. | Net p.a. |
£100,000+ | 3.45% | 3.45% | 2.76% |
£1+ | 5.50% | 5.50% | 4.40% |
Find out more about Halifax Web Saver Extra
UK annual rates: Rates of interest are subject to change but are correct as at 5th November 2008.
Balance | AER | Gross p.a. | Net p.a. |
£120,000 - £500,000 | 5.50% | 5.50% | 4.40% |
£60,000+ | 5.20% | 5.20% | 4.16% |
£50+ | 5.00% | 5.00% | 4.00% |
*Limited offer - Open and fund an account before 1st December 2008 (although could be withdrawn earlier).
Find out more about Halifax Web Saver Reward
for a Halifax Web Saver Reward
Variable option with cash card
UK annual rates: Rates are subject to change but are correct as at 1st November 2008
| AER | Gross p.a. | Net p.a. |
£1+ | 3.45% | 3.45% | 2.76% |
Variable option without cash card
UK annual rates: Rates are subject to change but are correct as at 1st November 2008
| AER | Gross p.a. | Net p.a. | |
£25,000+ | 3.76% | 3.76% | 3.01% |
£5,000+ | 3.66% | 3.66% | 2.93% |
£1+ | 3.56% | 3.56% | 2.85% |
New tiers introduced on 1st June 2007 on Variable option without cash card
Find out more about variable rate Halifax Web Saver
UK annual rates: Rates of interest are subject to change but are correct as at 21st November 2008
| Balance £500+ | |||
| Term | AER | Gross p.a. | Net p.a. |
3 months | 6.25% | 6.11% | 4.89% |
6 months | 5.50% | 5.43% | 4.34% |
9 months | 6.00% | 5.96% | 4.77% |
1 year | 5.50% | 5.50% | 4.40% |
2 years | 4.40% | 4.40% | 3.52% |
3 years | 4.50% | 4.50% | 3.60% |
4 years | 4.60% | 4.60% | 3.68% |
5 years | 5.00% | 5.00% | 4.00% |
Find out more about fixed rate Halifax Web Saver
for a Fixed Rate Halifax Web Saver
Halifax Guaranteed Saver Reward*
UK annual rates: Rates are subject to change but are correct as at 1st November 2008
| AER | Gross p.a. | Net p.a. | |
£2,500+ | 6.00% | 6.00% | 4.80% |
Limited offer - Open and fund an account before 26 November 2008 (although could be withdrawn earlier).
Find out more about Halifax Guaranteed Saver Reward
for a Halifax Guaranteed Saver Reward
UK annual rates: Rates are subject to change but are correct as at 1st November 2008
| AER | Gross p.a. | Net p.a. | |
£2,500+ | 4.50% | 4.50% | 3.60% |
Find out more about Halifax Guaranteed Saver
for a Halifax Guaranteed Saver
UK annual rates: Rates are subject to change but are correct as at 1st November 2008
| Balance | AER | Gross p.a. | Net p.a. |
| £1+ | 5.05% | 5.05% | 4.04% |
UK annual rates: Rates of interest are subject to change but are correct as at 21st July 2008
| AER | Gross p.a. | Net p.a. | |
All Balances | 7.00% | 7.00% | 5.60% |
Find out more about Halifax Regular Saver
Halifax Children's Regular Saver
UK annual rates: Rates of interest are subject to change but are correct as at 13th June 2005
| Annual Rates | AER | Gross p.a. | Net p.a. |
All Balances | 10.00% | 10.00% | 8.00% |
for a Children's Regular Saver
Halifax ISA Saver
Variable Rate Halifax ISA Saver
UK annual rates: Rates are subject to change but are correct as at 1st November 2008
Balance | AER | Gross p.a. |
£27,000+ | 3.11% | 3.11% |
£24,000+ | 3.02% | 3.02% |
£21,000+ | 2.91% | 2.91% |
£18,000+ | 2.87% | 2.87% |
£12,000+ | 2.72% | 2.72% |
£3,000+ | 2.57% | 2.57% |
£1+ | 2.52% | 2.52% |
Find out more about Variable Rate Halifax ISA Saver
Fixed Rate Halifax ISA Saver
UK annual rates: Rates of interest are subject to change but are correct as at 21st November 2008
| Term | AER | Gross p.a. | |
1 Year £30,000+ | 5.75% | 5.75% | |
1 Year £20,000+ | 5.25% | 5.25% | |
1 Year £10,000+ | 5.25% | 5.25% | |
1 Year £500+ | 5.25% | 5.25% | |
2 Years £500+ | 4.75% | 4.75% | |
3 Years £500+ | 4.75% | 4.75% | |
4 Years £500+ | 4.75% | 4.75% |
The interest rates above are correct as at the date shown. However, for existing customers with an account approaching maturity please note that the rates may change between now and your maturity date.
*New tiers introduced on 1 year term effective from 30 November 2007.
*Minimum opening balance across all tiers reduced to £500 effective from 6 April 2008.
Find out more about Fixed Rate Halifax ISA Saver
UK annual rates: Rates are subject to change but are correct as at 1st November 2008
| Balance | AER | Gross p.a. |
| £1+ | 4.50% | 4.50% |
Find out more about Halifax ISA Saver Direct
for a Halifax ISA Saver Direct
Halifax Premium Savings Direct
UK annual rates: Rates are subject to change but are correct as at 1st November 2008
| Balance | AER | Gross p.a. | Net p.a. |
| £250,000+ | 3.36% | 3.36% | 2.69% |
| £100,000+ | 3.11% | 3.11% | 2.49% |
| £50,000+ | 2.87% | 2.87% | 2.30% |
| £25,000+ | 2.62% | 2.62% | 2.10% |
| £5,000+ | 2.47% | 2.47% | 1.98% |
| £500+ | 2.42% | 2.42% | 1.94% |
Find out more about Halifax Premium Savings Direct
Halifax Instant Saver
UK annual rates: Rates are subject to change but are correct as at 1st November 2008
| Balance | AER | Gross p.a. | Net p.a. |
| £100,000+ | 1.47% | 1.47% | 1.18% |
| £50,000+ | 1.37% | 1.37% | 1.10% |
| £25,000+ | 1.27% | 1.27% | 1.02% |
| £10,000+ | 1.12% | 1.12% | 0.90% |
| £5,000+ | 1.02% | 1.02% | 0.82% |
| £500+ | 0.97% | 0.97% | 0.78% |
| £50+ | 0.25% | 0.25% | 0.20% |
Find out more about Halifax Instant Saver
UK annual rates: Rates of interest are subject to change but are correct as at 21st November 2008
Term | AER | Gross p.a. | Net p.a. |
6 months £250,000+ | 5.40% | 5.33% | 4.26% |
6 months £100,000+ | 5.40% | 5.33% | 4.26% |
6 months £75,000+ | 5.30% | 5.23% | 4.18% |
6 months £50,000+ | 5.30% | 5.23% | 4.18% |
6 months £25,000+ | 5.30% | 5.23% | 4.18% |
6 months £500+ | 5.20% | 5.13% | 4.10% |
1 year £250,000+ | 5.60% | 5.60% | 4.48% |
1 year £100,000+ | 5.50% | 5.50% | 4.40% |
1 year £75,000+ | 5.20% | 5.20% | 4.16% |
1 year £50,000+ | 5.10% | 5.10% | 4.08% |
1 year £25,000+ | 5.10% | 5.10% | 4.08% |
1 year £10,000+ | 5.00% | 5.00% | 4.00% |
1 year £500+ | 5.00% | 5.00% | 4.00% |
2 years £50,000+ | 4.25% | 4.25% | 3.40% |
2 years £10,000+ | 4.25% | 4.25% | 3.40% |
2 years £500+ | 4.25% | 4.25% | 3.40% |
3 years £50,000+ | 4.60% | 4.60% | 3.68% |
3 years £10,000+ | 4.50% | 4.50% | 3.60% |
3 years £500+ | 4.40% | 4.40% | 3.52% |
The interest rates above are correct as at the date shown. However, for existing customers with an account approaching maturity please note that the rates may change between now and your maturity date.
Find out more about Halifax Guaranteed Reserve
for a Halifax Guaranteed Reserve
Halifax Guaranteed Reserve monthly rates
Halifax Stepped Income Reserve
UK annual rates: Rates of interest are subject to change but are correct as at 21st November 2008
| AER 5.25% | ||
| £2, 000+ | ||
| Term | Gross % p.a. | Net % p.a. |
Year 1 | 4.75% | 3.80% |
Year 2 | 5.00% | 4.00% |
Year 3 | 5.25% | 4.20% |
Year 4 | 5.50% | 4.40% |
Year 5 | 5.75% | 4.60% |
Find out more about Halifax Stepped Income Reserve
UK annual rates: Rates are subject to change but are correct as at 1st November 2008
| Number of withdrawals | ||||
| 0-3 | 4+ | |||
| AER / Gross p.a. | Net p.a. | AER / Gross p.a. | Net p.a. | |
£100,000+ | 1.42% | 1.14% | 0.55% | 0.44% |
£50,000+ | 1.27% | 1.02% | 0.50% | 0.40% |
£25,000+ | 1.17% | 0.94% | 0.45% | 0.36% |
£10,000+ | 1.02% | 0.82% | 0.40% | 0.32% |
£5,000+ | 0.92% | 0.74% | 0.35% | 0.28% |
£500+ | 0.82% | 0.66% | 0.30% | 0.24% |
£50+ | 0.30% | 0.24% | 0.25% | 0.20% |
If you have a regularly funded Halifax Current Account, a Halifax Personal Loan or a Halifax mortgage, you can make three extra withdrawals each year without affecting the interest rate; the above rates therefore apply for 0-6 and 7+ withdrawals.
Find out more about Halifax Saver Reward
UK annual rates: Rates are subject to change but are correct as at 1st November 2008
| Balance | AER excl. conditional bonus | AER incl. conditional bonus | Gross p.a. incl. conditional bonus | Net p.a. incl. conditional bonus |
| £1+ | 1.16% | 3.91% | 3.91% | 3.13% |
Halifax Monthly Saver Young Savers Rate
UK annual rates: Rates are subject to change but are correct as at 1st May 2008
| Balance | AER excl. conditional bonus | AER incl. conditional bonus | Gross p.a. incl. conditional bonus | Net p.a. incl. conditional bonus |
| £1+ | 2.55% | 5.30% | 5.30% | 4.24% |
Special rate available on Halifax Liquid Gold, Halifax 60 Day Gold, Halifax Bonus Gold, Halifax Instant Saver and Halifax Saver Reward accounts for under 21s. Interest is paid at the special rate or at the tiered rate of interest (whichever is the higher).
UK annual rates: Rates are subject to change but are correct as at 1st November 2008
| Balance | AER | Gross p.a. | Net p.a. |
| £1+ | 2.30% | 2.30% | 1.84% |
Halifax Bonus Gold
Rates quoted include the bonus of 0.50% gross (net 0.40%). See Important Information for details of how to get your bonus.
UK annual rates: Rates are subject to change but are correct as at 1st November 2008
| Balance | AER excl. conditional bonus | AER incl. conditional bonus | Gross p.a. incl. conditional bonus | Net p.a. incl. conditional bonus |
| £100,000+ | 1.46% | 1.96% | 1.96% | 1.57% |
| £50,000+ | 1.36% | 1.86% | 1.86% | 1.49% |
| £25,000+ | 1.36% | 1.86% | 1.86% | 1.49% |
| £10,000+ | 1.36% | 1.86% | 1.86% | 1.49% |
| £5,000+ | 1.00% | 1.50% | 1.50% | 1.20% |
Your guarantee: If we change the interest rate on your account then, for the period of 30 days from the date the rate changes, you may make a withdrawal or close your account without charge or loss of interest or bonus. We will tell you about rate changes either by a notice in at least 3 national newspapers and in our branches or by letter. If your account balance falls below £5,000 (£10,000 for accounts opened before 1 August 2004) then, regardless of whether there has been an interest rate change, the balance will be available immediately without any charge or loss of interest. The interest rate paid will be at least the same as Halifax Liquid Gold.
Find out more about Halifax Bonus gold
UK annual rates: Rates are subject to change but are correct as at 1st November 2008
| Balance | AER | Gross p.a. | Net p.a. |
| £100,000+ | 2.01% | 2.01% | 1.61% |
| £50,000+ | 1.86% | 1.86% | 1.49% |
| £25,000+ | 1.86% | 1.86% | 1.49% |
| £10,000+ | 1.86% | 1.86% | 1.49% |
| £5,000+ | 1.86% | 1.86% | 1.49% |
| £500+ | 0.45% | 0.45% | 0.36% |
Your guarantee: If we change the interest rate on your account then, for the period of 60 days from the date the rate changes, you may make a withdrawal or close your account without charge or loss of interest or bonus. We will tell you about rate changes either by a notice in at least 3 national newspapers and in our branches or by letter. If your account balance falls below £5,000 then, regardless of whether there has been an interest rate change, the balance will be available immediately without any charge or loss of interest. The interest rate paid will be at least the same as Halifax Liquid Gold.
Find out more about Halifax 60 Day Gold
Halifax Liquid Gold
For former Solid Gold customers, annual interest paid on 1st February (in line with previous interest payment date).
UK annual rates: Rates are subject to change but are correct as at 1st November 2008
| Balance | AER | Gross p.a. | Net p.a. |
| £500+ | 0.25% | 0.25% | 0.20% |
| £50+ | 0.25% | 0.25% | 0.20% |
Monthly interest is only available to former Solid Gold customers who previously received monthly interest.
Find out more about Halifax Liquid Gold
Halifax Asset Reserve Cheque Account
UK annual rates: Rates are subject to change but are correct as at 1st November 2008
| Balance | AER | Gross p.a. | Net p.a. |
| £5,000+ | 1.61% | 1.60% | 1.28% |
| £50+ | 0.20% | 0.20% | 0.16% |
Find out more about Halifax Asset Reserve Cheque Account
UK annual rates: Rates are subject to change but are correct as at 1st January 2008
| Balance | AER | Gross p.a. | Net p.a. |
| £1,000+ | 0.10% | 0.10% | 0.08% |
Only available for funds maturing from Halifax Guaranteed Reserve and Halifax Stepped Income Reserve.
top^
IMPORTANT: The conditions for your account explain when we pay interest on money paid into, and taken out of, your account. Click for details of account charges.
Please ask at any of our branches for copies of the Deposit Account conditions and the other conditions that apply to the accounts shown. The account conditions include details of how we may change them, the interest rates and any charges for your account.
Some accounts can only be opened by individuals. Different rates apply for some non-personal accounts and for accounts held by those non-resident in the UK for tax purposes.
The interest rates and other information shown are correct as at the dates shown in the tables and may change under the account conditions.
*The base rate is the rate published by the Bank Of England in connection with it's open money market operations.
** Although following an increase in base rate there will be a time when this will not apply, but this will never be longer than one month.
We offer a selection of accounts that give you the option of having your interest paid monthly, at a slightly lower rate than the annual rates. Previous rates are also available.
Halifax Premium Savings Direct
Halifax Stepped Income Reserve
The AER shown for each account is the Annual Equivalent Rate.
Halifax Premium Savings Direct
UK monthly rates: Rates are subject to change but are correct as at 1st November 2008
| Balance | AER | Gross p.a. | Net p.a. |
£250,000+ | 3.36% | 3.31% | 2.65% |
£100,000+ | 3.11% | 3.07% | 2.45% |
£50,000+ | 2.87% | 2.83% | 2.27% |
£25,000+ | 2.62% | 2.59% | 2.07% |
£5,000+ | 2.47% | 2.44% | 1.95% |
£500+ | 2.42% | 2.39% | 1.91% |
Find out more about Halifax Premium Savings Direct
UK monthly rates: Rates are subject to change but are correct as at 1st November 2008
| Balance | AER | Gross p.a. | Net p.a. |
£100,000+ | 1.47% | 1.46% | 1.17% |
£50,000+ | 1.37% | 1.36% | 1.09% |
£25,000+ | 1.27% | 1.26% | 1.01% |
£10,000+ | 1.12% | 1.11% | 0.89% |
£5,000+ | 1.02% | 1.02% | 0.81% |
£500+ | 0.97% | 0.97% | 0.77% |
£50+ | 0.25% | 0.25% | 0.20% |
Find out more about Halifax Instant Saver
UK monthly rates: Rates of interest are subject to change but are correct as at 21st November 2008
AER | Gross p.a. | Net p.a. | |
1 year £250,000+ | 5.60% | 5.46% | 4.37% |
1 year £100,000+ | 5.50% | 5.37% | 4.30% |
1 year £75,000+ | 5.20% | 5.08% | 4.06% |
1 year £50,000+ | 5.10% | 4.98% | 3.98% |
1 year £25,000+ | 5.10% | 4.98% | 3.98% |
1 year £10,000+ | 5.00% | 4.89% | 3.91% |
1 year £500+ | 5.00% | 4.89% | 3.91% |
2 years £50,000+ | 4.25% | 4.17% | 3.34% |
2 years £10,000+ | 4.25% | 4.17% | 3.34% |
2 years £500+ | 4.25% | 4.17% | 3.34% |
3 years £50,000+ | 4.60% | 4.51% | 3.61% |
3 years £10,000+ | 4.50% | 4.41% | 3.53% |
3 years £500+ | 4.40% | 4.31% | 3.45% |
The interest rates above are correct as at the date shown. However, for existing customers with an account approaching maturity please note that the rates may change between now and your maturity date.
Find out more about Halifax Guaranteed Reserve
for a Halifax Guaranteed Reserve
Halifax Stepped Income Reserve
UK monthly rates: Rates of interest are subject to change but are correct as at 21st November 2008
AER 5.50% | ||
£2, 000+ | ||
| Term | Gross % p.a. | Net % p.a. |
Year 1 | 4.65% | 3.72% |
Year 2 | 4.89% | 3.91% |
Year 3 | 5.13% | 4.10% |
Year 4 | 5.37% | 4.30% |
Year 5 | 5.60% | 4.48% |
Find out more about Halifax Stepped Income Reserve
Halifax Bonus Gold
Rates quoted exclude the bonus of 0.50% gross (net 0.40% pa). See the Bonus Gold special note for details of how to get your bonus.
UK monthly rates: Rates are subject to change but are correct as at 1st November 2008
| Balance | AER | Gross p.a. | Net p.a. |
| £100,000+ | 1.46% | 1.45% | 1.16% |
| £50,000+ | 1.36% | 1.35% | 1.08% |
| £25,000+ | 1.36% | 1.35% | 1.08% |
| £10,000+ | 1.36% | 1.35% | 1.08% |
| £5,000+ | 1.00% | 1.00% | 0.80% |
The interest rate (including the bonus of 0.50% gross (0.40% net) p.a) will be no lower than 2% below base rate* on balances of £10,000 and over. When an account balance falls below £5,000 (£10,000 for accounts opened before 1st August 2004) the balance will be available immediately without any penalty. The interest rate paid will be at least be the same rate as the Liquid Gold rate on balances below £5,000.
Find out more about Halifax Bonus gold
UK monthly rates: Rates are subject to change but are correct as at 1st November 2008
| Balance | AER | Gross p.a. | Net p.a. |
£100,000+ | 2.01% | 1.99% | 1.59% |
£50,000+ | 1.86% | 1.84% | 1.48% |
£25,000+ | 1.86% | 1.84% | 1.48% |
£10,000+ | 1.86% | 1.84% | 1.48% |
£5,000+ | 1.86% | 1.84% | 1.48% |
£500+ | 0.45% | 0.45% | 0.36% |
The interest rate will be no lower than 2% below base rate* on balances of £5,000 (the minimum opening balance) and over. When an account balance falls below £5,000 (£10,000 for accounts opened before 1st August 2004) the balance will be available immediately without any penalty and the interest paid will be at least the same as Liquid Gold.
Find out more about Halifax 60 Day Gold
Halifax Liquid Gold
For former Solid Gold customers, annual interest paid on 1st February (in line with previous interest payment date).
Monthly interest is only available to former Solid Gold customers who previously received monthly interest.
UK monthly rates: Rates are subject to change but are correct as at 1st November 2008
| Balance | AER | Gross p.a. | Net p.a. |
£500+ | 0.25% | 0.25% | 0.20% |
£50+ | 0.25% | 0.25% | 0.20% |
Find out more about Halifax Liquid Gold
UK monthly rates: Rates are subject to change but are correct as at 1st November 2008
| Balance | AER | Gross p.a. | Net p.a. |
£1+ | 2.30% | 2.28% | 1.82% |
UK monthly rates: Rates are subject to change but are correct as at 1st November 2008
| Balance | AER | Gross p.a. | Net p.a. |
| £100,000+ | 4.54% | 4.45% | 3.56% |
| £50,000+ | 4.44% | 4.35% | 3.48% |
| £25,000+ | 4.39% | 4.30% | 3.44% |
| £10,000+ | 4.33% | 4.25% | 3.40% |
| £5,000+ | 4.33% | 4.25% | 3.40% |
Find out more about Halifax Extra Income Saver
for a Halifax Extra Income Saver
Matured Funds Account
UK monthly rates: Rates are subject to change but are correct as at 1st January 2008
| Balance | AER | Gross p.a. | Net p.a. |
| £2,000+ | 0.10% | 0.10% | 0.08% |
IMPORTANT: The conditions for your account explain when we pay interest on money paid into, and taken out of, your account. Click for details of account charges.
Please ask at any of our branches for copies of the Deposit Account conditions and the other conditions that apply to the accounts shown. The account conditions include details of how we may change them, the interest rates and any charges for your account.
Some accounts can only be opened by individuals. Different rates apply for some non-personal accounts and for accounts held by those non-resident in the UK for tax purposes.
The interest rates and other information shown are correct as at the dates shown in the tables and may change under the account conditions.
*The base rate is the rate published by the Bank of England in connection with it's open money market operations.
