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 £1.00 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?

• This account is only available for existing fixed rate customers and is simply intended to keep your matured Fixed Rate balances protected while you decide what to do with it. You can earn higher rates of interest by reinvesting your balance on maturity.
• Please talk to us about your options − if you don’t tell us what you’d like to do by the fixed term maturity date, we’ll move your balance into this account.
• This account is available to anyone aged 18 or over and a permanent resident in the United Kingdom.
• The account can be held jointly by up to two people.
• You can manage it online through our online portal at htb.co.uk, by secure message when logged in, by email on savings@htb.co.uk or by telephone on 02078626222 (Mon-Fri 9am-5pm, excluding bank holidays).
• 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.
• You have 14 days from the opening date to fund it. If the account remains unfunded at 14 days, it will be closed.

Can I withdraw money?

• Yes – this is an easy access account, so you can make unlimited withdrawals.
• Withdrawals made before 1pm on a working day will be paid the same day. For anything after 1pm this will be paid the next working day.
• You can also switch into any other account we have available easily. Simply email us at switching@htb.co.uk using the email address you used when you opened your account, and letting us know which of our accounts you’d like to switch to. We recommend checking the rates available on our website at htb.co.uk/personal-savings regularly.

Additional information

• You can make as many payments into the account as you like up to the maximum balance.
• All payments must be made to − and from − your nominated bank account or into another account with us.
• Payments received before 1pm on a working day will be paid the same day. For anything after 1pm this will be paid the next working day.
• You have the right to close your account at any time within 14 days of account opening by contacting us.
• We will not deduct tax from your interest. It is your responsibility to declare to HMRC any tax due on interest.
• Hampshire Trust Bank is an authorised deposit taker and your eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS), the UK’s deposit protection scheme, up to the applicable limit. The FSCS protects most depositors up to £120,000.

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 £1.00 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?

• This account is only available for existing fixed rate customers and is simply intended to keep your matured Fixed Rate balances protected while you decide what to do with it. You can earn higher rates of interest by reinvesting your balance on maturity.
• Please talk to us about your options − if you don’t tell us what you’d like to do by the fixed term maturity date, we’ll move your balance into this account.
• This account is available to anyone aged 18 or over and a permanent resident in the United Kingdom.
• You can manage it online through our online portal at htb.co.uk, by secure message when logged in, by email on savings@htb.co.uk or by telephone on 02078626222 (Mon-Fri 9am-5pm, excluding bank holidays).
• 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.
• You have 14 days from the opening date to fund it. If the account remains unfunded at 14 days, it will be closed.

Can I withdraw money?

• Yes – this is an easy access account, so you can make unlimited withdrawals.
• Withdrawals made before 1pm on a working day will be paid the same day. For anything after 1pm this will be paid the next working day.
• You can also switch into any other account we have available easily. Simply email us at switching@htb.co.uk using the email address you used when you opened your account, and letting us know which of our accounts you’d like to switch to. We recommend checking the rates available on our website at htb.co.uk/personal-savings regularly.
• You can transfer your ISA to another provider by contacting your new provider. They will contact us directly and we will arrange the transfer.

Additional information

• You can make as many payments into the account as you like up to the maximum balance.
• You can also fund your ISA by transferring in from another Cash ISA or Stocks & Shares ISA. You must initiate this transfer within 14 days of opening your HTB ISA by providing your new account details to the other bank.
• The annual ISA allowance is £20,000 for the tax year 6 April 2025 to 5 April 2026. You must not have paid in more than this in total to a cash ISA, a stocks and shares ISA, an innovative finance ISA and a Lifetime ISA in this tax year.
• All payments must be made to − and from − your nominated bank account or into another account with us.
• Payments received before 1pm on a working day will be paid the same day. For anything after 1pm this will be paid the next working day.
• You have the right to close your account at any time within 14 days of account opening by contacting us.
• We will not deduct tax from your interest. It is your responsibility to declare to HMRC any tax due on interest.
• Hampshire Trust Bank is an authorised deposit taker and your eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS), the UK’s deposit protection scheme, up to the applicable limit. The FSCS protects most depositors up to £120,000.

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 £5,000 deposit?

• £5,000 invested in this account would earn £5.00 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?

• This account is only available for existing fixed rate customers and is simply intended to keep your matured Fixed Rate balances protected while you decide what to do with it. You can earn higher rates of interest by reinvesting your balance on maturity.
• Please talk to us about your options − if you don’t tell us what you’d like to do by the fixed term maturity date, we’ll move your balance into this account.
• This account is available to anyone aged 18 or over and a permanent resident in the United Kingdom.
• You can manage it online through our online portal at htb.co.uk, by secure message when logged in, by email on savings@htb.co.uk or by telephone on 02078626222 (Mon-Fri 9am-5pm, excluding bank holidays).
• 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.
• You have 14 days from the opening date to fund it. If the account remains unfunded at 14 days, it will be closed.

Can I withdraw money?

• Yes – this is an easy access account, so you can make unlimited withdrawals.
• Withdrawals made before 1pm on a working day will be paid the same day. For anything after 1pm this will be paid the next working day.
• You can also switch into any other account we have available easily. Simply email us at switching@htb.co.uk using the email address you used when you opened your account, and letting us know which of our accounts you’d like to switch to. We recommend checking the rates available on our website at htb.co.uk/personal-savings regularly.

Additional information

• You can make as many payments into the account as you like up to the maximum balance.
• All payments must be made to − and from − your nominated bank account or into another account with us.
• Payments received before 1pm on a working day will be paid the same day. For anything after 1pm this will be paid the next working day.
• You have the right to close your account at any time within 14 days of account opening by contacting us.
• We will not deduct tax from your interest. It is your responsibility to declare to HMRC any tax due on interest.
• Hampshire Trust Bank is an authorised deposit taker and your eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS), the UK’s deposit protection scheme, up to the applicable limit. The FSCS protects most depositors up to £120,000.