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Savings accounts

A range of savings accounts to meet your needs.

Apply for account

Loyalty Cash ISA

Flexible tax-free savings.

Receive a Loyalty rate for 12 months from the date of each payment into your ISA
$1 deposit to open
Instant access
Available to Checking Account customers only
Open the account online, in branch, by post or on the phone

Loyalty Rates:

0.65% AER (tax free)

for Checking Account customers.

0.75% AER (tax free)

for Advance Account customers.

0.85% AER (tax free)

for Premier Account holders.

Upon the expiry of your Loyalty rate period, you will earn a standard rate of 0.55% AER/tax free until you make a further payment.

Interest rates variable and paid monthly.

Find out more

Help to Buy: ISA

Save to buy your first home.

Save up to $200 per calendar month and receive a UK Government bonus of 25% of your saved balance, up to a maximum bonus of $3,000
Interest is tax-free
Save an additional $1,000 in the first month to help kick start your savings
Instant access
No minimum balance to open
Open the account online, in branch, by post or on the phone

Loyalty Rates:

2.25% AER (2.23% tax free)

on balances up to $12,000

0.15% AER/tax free

on balances over $12,000

Interest rates variable and paid monthly.

Find out more

Regular Saver

Save up to $3,000 at a fixed rate of interest for 12 months.

Save up to $25 deposit to open
Deposit at least $25 a month. The monthly subscription limit is $250. However if you do not save $250 in any given month you can carry over any unused subscription to following months.
No partial withdrawals allowed during the 12 month period
Available to Checking Account customers only

Loyalty Rates:

5% AER / gross

for Premier or Advance customers

3% AER / gross

For Bank Account, Bank Account Pay Monthly, Student Bank Account or Graduate Bank Account customer

Interest rates fixed and paid after 12 months

Find out more

Online Bonus Saver

Bonus interest in any month you don't make a withdrawal

$1 deposit to open
This account can only be managed online
Instant access with no charge
Open the account online
Must be an existing customer

Loyalty Rates:

0.55% AER / gross

nterest for the months you don't make a withdrawal (0.35% AER/gross on balances over $10,000)

0.10% AER / gross

for any calendar month during which you make a withdrawal

Interest rates variable and paid monthly.

Find out more

Flexible Saver

Save for a wedding, holiday or a rainy day.

$1 deposit to open
Open as many Flexible Saver accounts as you want
Instant access with no charge
Open the account online, in branch or on the phones

Loyalty Rates:

0.15% AER / gross

for Bank Account, Bank Account Pay Monthly or Graduate Bank Account customers

0.20% AER / gross

for Advance, Advance (Graduate)

Interest rates variable and paid monthly.

Find out more

Premier Savings

Available to Premier customers only.

$1 deposit to open
Transfer funds in real time to or from your Premier Checking Account
Instant access with no charge
Open the account online, in branch or on the phones

Loyalty Rates:

0.20% AER / gross

for Bank Account, Bank Account Pay Monthly or Graduate Bank Account customers

Interest rates variable and paid monthly.

Find out more

Future Saver for Children

Start saving for your child's future

$1 deposit to open
Instant access with no charge
Open the account online, in branch or on the phones

Loyalty Rates:

0.75% AER / gross

Interest rates variable and paid monthly.

Find out more

MySavings / Premier MySavings

An easy way to save for 7-17 year olds.

$10 open deposit
Take out money at a branch using your Cash Book
Instant access with no charge
On your 11th birthday you'll get a specially designed Checking Account which comes with an Visa debit card
Open the account in branch or on the phone

Loyalty Rates:

3.00% AER / 2.96% gross

on balances up to $3,000

0.75% AER / gross

on balances over $3,000

Interest rates variable and paid monthly.

Find out more

Fixed Rate Saver

Choose to save for a fixed term of 3 months to 3 years.

Deposit between $2,000 and $1,000,000
For deposits of $50,000 or more, early withdrawals in full or in part are not permitted. For balances below $50,000 early withdrawal in full is possible subject to a fee of 90 days' gross interest
Open the account online, in branch or on the phones
Available to checking account or savings account customers (excluding Loyalty Cash ISA, Regular Saver or Basic Bank Account).

Loyalty Rates:

0.45% - 0.85% AER / gross

depending on amount invested and term chosen

Interest rates fixed and paid monthly, annually or on maturity depending upon the term.

Find out more