Our most flexible savings accounts

Can HTB change the interest rate?

• This is a managed variable rate, which means it is set by us and we can change it at any time.
• If we increase the interest rate, we’ll make the change and let you know.
• If we reduce the interest rate, we’ll let you know at least 30 days before.

What would the estimated balance be after 12 months based on a £1,000 deposit?

• £1,000 invested in this account would earn £45.00 interest after 12 months.
• £50,000 invested in this account would earn £2,250.00 interest after 12 months.
• This is for illustrative purposes only and assumes interest is paid and compounded annually. The illustrative example does not consider the individual circumstances of a customer.

How do I open and manage the account?

• You can open an account by completing an application form on our website.
• This account is available to anyone aged 18 or over and a permanent resident in the United Kingdom.
• Once your account is open, you can manage it online through our online portal, by secure message when logged in or by getting in touch.
• You’ll need the minimum balance of £1 in the account to open it and keep it open.
• The maximum account balance is £250,000 with a maximum of £1m balance across all your accounts with us.

Can I withdraw money?

• Yes – this is an easy access account, so you can make unlimited withdrawals.

Additional information

• All payments must be made to – and from – your nominated bank account or into another account with us.
• Read our full terms and conditions here.

Can HTB change the interest rate?

• This is a managed variable rate, which means it is set by us and we can change it at any time.
• If we increase the interest rate, we’ll make the change and let you know.
• If we reduce the interest rate, we’ll let you know at least 30 days before.

What would the estimated balance be after 12 months based on a £1,000 deposit?

• £1,000 invested in this account would earn £39.50 interest after 12 months.
• £10,000 invested in this account would earn £395.00 interest after 12 months.
• This is for illustrative purposes only and assumes interest is paid and compounded annually. The illustrative example does not consider the individual circumstances of a customer.

How do I open and manage the account?

• You can open an account by completing an application form on our website.
• This account is available to anyone aged 18 or over and a permanent resident in the United Kingdom.
• Once your account is open, you can manage it online through our online portal, by secure message when logged in or by getting in touch.
• You’ll need the minimum balance of £1 in the account to open it and keep it open.
• The maximum account balance is £250,000 with a maximum of £1m balance across all your accounts with us.

Can I withdraw money?

• Yes – you can make unlimited withdrawals, subject to your notice period.

Additional information

• All payments must be made to – and from – your nominated bank account or into another account with us.
• Read our full terms and conditions here.