Previous current account rates

2nd April 2009 to 5th April 2020

2nd April 2009 to 5th April 2020

Type

EAR

Annual interest - Gross/AER

Monthly interest - Gross

Type

Credit balance

EAR

N/A

Annual interest - Gross/AER

0.05%

Monthly interest - Gross

0.05%

Type

Arranged overdraft

EAR

10.05%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

Type

Unarranged overdraft

EAR

25.25%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

2nd December 2008 to 1st April 2009

2nd December 2008 to 1st April 2009

Type

EAR

Annual interest - Gross/AER

Monthly interest - Gross

Type

Credit balance

EAR

N/A

Annual interest - Gross/AER

0.10%

Monthly interest - Gross

0.10%

Type

Arranged overdraft

EAR

10.05%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

Type

Unarranged overdraft

EAR

25.25%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

2nd November 2008 to 1st December 2008

2nd November 2008 to 1st December 2008

Type

EAR

Annual interest - Gross/AER

Monthly interest - Gross

Type

Credit balance

EAR

N/A

Annual interest - Gross/AER

1.25%

Monthly interest - Gross

1.24%

Type

Arranged overdraft

EAR

10.05%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

Type

Unarranged overdraft

EAR

25.25%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

30th April 2008 to 1st November 2008

30th April 2008 to 1st November 2008

Type

EAR

Annual interest - Gross/AER

Monthly interest - Gross

Type

Credit balance

EAR

N/A

Annual interest - Gross/AER

2.25%

Monthly interest - Gross

2.23%

Type

Arranged overdraft

EAR

10.05%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

Type

Unarranged overdraft

EAR

25.25%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

2nd March 2008 to 29th April 2008

2nd March 2008 to 29th April 2008

Type

EAR

Annual interest - Gross/AER

Monthly interest - Gross

Type

Credit balance

EAR

N/A

Annual interest - Gross/AER

2.50%

Monthly interest - Gross

2.47%

Type

Arranged overdraft

EAR

10.05%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

Type

Unarranged overdraft

EAR

25.25%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

31st December 2007 to 1st March 2008

31st December 2007 to 1st March 2008

Type

EAR

Annual interest - Gross/AER

Monthly interest - Gross

Type

Credit balance

EAR

N/A

Annual interest - Gross/AER

2.75%

Monthly interest - Gross

2.72%

Type

Arranged overdraft

EAR

10.05%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

Type

Unarranged overdraft

EAR

25.25%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

11th November 2006 to 30th December 2007

11th November 2006 to 30th December 2007

Type

EAR

Annual interest - Gross/AER

Monthly interest - Gross

Type

Credit balance

EAR

N/A

Annual interest - Gross/AER

3.00%

Monthly interest - Gross

2.96%

Type

Arranged overdraft

EAR

10.05%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

Type

Unarranged overdraft

EAR

25.25%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

27th August 2006 to 10th November 2006

27th August 2006 to 10th November 2006

Type

EAR

Annual interest - Gross/AER

Monthly interest - Gross

Type

Credit balance

EAR

N/A

Annual interest - Gross/AER

2.75%

Monthly interest - Gross

2.72%

Type

Arranged overdraft

EAR

9.80%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

Type

Unarranged overdraft

EAR

25.00%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

5th September 2005 to 26th August 2006

5th September 2005 to 26th August 2006

Type

EAR

Annual interest - Gross/AER

Monthly interest - Gross

Type

Credit balance

EAR

N/A

Annual interest - Gross/AER

2.50%

Monthly interest - Gross

2.47%

Type

Arranged overdraft

EAR

9.80%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

Type

Unarranged overdraft

EAR

25.00%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

28th November 2003 to 4th September 2005

28th November 2003 to 4th September 2005

Type

EAR

Annual interest - Gross/AER

Monthly interest - Gross

Type

Credit balance

EAR

N/A

Annual interest - Gross/AER

2.75%

Monthly interest - Gross

2.72%

Type

Arranged overdraft

EAR

9.80%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

Type

Unarranged overdraft

EAR

25.00%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

5th August 2003 to 27th November 2003

5th August 2003 to 27th November 2003

Type

EAR

Annual interest - Gross/AER

Monthly interest - Gross

Type

Credit balance

EAR

N/A

Annual interest - Gross/AER

2.75%

Monthly interest - Gross

2.72%

Type

Arranged overdraft

EAR

8.39%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

Type

Unarranged overdraft

EAR

25.00%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

29th February 2003 to 4th August 2003

29th February 2003 to 4th August 2003

Type

EAR

Annual interest - Gross/AER

Monthly interest - Gross

Type

Credit balance

EAR

N/A

Annual interest - Gross/AER

3.00%

Monthly interest - Gross

2.96%

Type

Arranged overdraft

EAR

8.39%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

Type

Unarranged overdraft

EAR

25.00%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

7th October 2002 to 28th February 2003

7th October 2002 to 28th February 2003

Type

EAR

Annual interest - Gross/AER

Monthly interest - Gross

Type

Credit balance

EAR

N/A

Annual interest - Gross/AER

3.20%

Monthly interest - Gross

3.15%

Type

Arranged overdraft

EAR

8.39%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

Type

Unarranged overdraft

EAR

25.00%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

5th December 2001 to 6th October 2002

5th December 2001 to 6th October 2002

Type

EAR

Annual interest - Gross/AER

Monthly interest - Gross

Type

Credit balance

EAR

N/A

Annual interest - Gross/AER

3.20%

Monthly interest - Gross

3.64%

Type

Arranged overdraft

EAR

9.00%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

Type

Unarranged overdraft

EAR

25.00%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

13th November 2001 to 4th December 2001

13th November 2001 to 4th December 2001

Type

EAR

Annual interest - Gross/AER

Monthly interest - Gross

Type

Credit balance

EAR

N/A

Annual interest - Gross/AER

3.70%

Monthly interest - Gross

3.64%

Type

Arranged overdraft

EAR

9.50%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

Type

Unarranged overdraft

EAR

25.00%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

17th October 2001 to 12th November 2001

13th November 2001 to 4th December 2001

Type

EAR

Annual interest - Gross/AER

Monthly interest - Gross

Type

Credit balance

EAR

N/A

Annual interest - Gross/AER

3.85%

Monthly interest - Gross

3.78%

Type

Arranged overdraft

EAR

9.75%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

Type

Unarranged overdraft

EAR

25.00%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

6th September 2001 to 16 October 2001

6th September 2001 to 16 October 2001

Type

EAR

Annual interest - Gross/AER

Monthly interest - Gross

Type

Credit balance

EAR

N/A

Annual interest - Gross/AER

4.10%

Monthly interest - Gross

4.10%

Type

Arranged overdraft

EAR

9.75%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

Type

Unarranged overdraft

EAR

25.00%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

5th June 2001 to 5th September 2001

5th June 2001 to 5th September 2001

Type

EAR

Annual interest - Gross/AER

Monthly interest - Gross

Type

Credit balance

EAR

N/A

Annual interest - Gross/AER

4.50%

Monthly interest - Gross

4.41%

Type

Arranged overdraft

EAR

10.50%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

Type

Unarranged overdraft

EAR

25.00%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

1st May 2001 to 4th June 2001

1st May 2001 to 4th June 2001

Type

EAR

Annual interest - Gross/AER

Monthly interest - Gross

Type

Credit balance

EAR

N/A

Annual interest - Gross/AER

4.75%

Monthly interest - Gross

4.65%

Type

Arranged overdraft

EAR

10.50%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

Type

Unarranged overdraft

EAR

25.00%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

29th September 2000 to 30th April 2001

29th September 2000 to 30th April 2001

Type

EAR

Annual interest - Gross/AER

Monthly interest - Gross

Type

Credit balance

EAR

N/A

Annual interest - Gross/AER

5.00%

Monthly interest - Gross

4.89%

Type

Arranged overdraft

EAR

10.80%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

Type

Unarranged overdraft

EAR

25.00%

Annual interest - Gross/AER

N/A

Monthly interest - Gross

N/A

AER stands for the Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded each year.

EAR is the Equivalent Annual Rate. If we agree to let you have an overdraft, we will decide your overdraft limit and tell you what it is. Overdrafts are repayable on demand.

Gross is the contractual rate of interest payable before the deduction of income tax at the rate specified by law.

For more definitions, see our glossary.