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 14 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 £40.00 interest after 12 months.
• £50,000 invested in this account would earn £2,000.00 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 provide you with advanced notice of the change equal to the notice period on your account or 30 days, whichever is greater, plus an additional 14 days.

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.