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Where there is more than one interest rate applicable, for example the standard and conditional bonus rates on Premium Saver and Savings Builder, the rates are combined using a standard calculation to provide the total interest rate payable.


You have £15,000 in a Savings Builder account.

  • The first £10,000 earns interest at 0.25%
  • The next £5,000 earns interest at 0.01%

The combined interest for the total £15,000 is 0.17%.

The greater the balance above £10,000 the lower the combined interest rate, so if you have £20,000

  • The first £10,000 will earn 0.25%
  • The next £10,000 will earn 0.01%

The combined interest for £20,000 is 0.13%

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