Losings Accounts

The List of Losings Accounts

Rates do change, but accounts listed here are likely to stay losers

Account Provider

Account Name

Untaxed Interest rate % (AER)

% Rate after basic rate tax

% Rate after higher rate tax

Abbey

Postal Account (1)

2.75%

2.2%

1.65%

Abbey

Flexible Saver (3)

3.05 – 3.25%

2.44 – 2.6%

1.83 – 1.95%

Alliance & Leicester

EasySaver

2.6 - 3.15%

2.08-2.52%

1.56-1.89%

Alliance & Leicester

Instant Access

0 – 0.75%

0 – 0.6%

0 – 0.45%

Bank of Cyprus

Instant Access

1 – 2.5%

0.8 – 2%

0.6 – 1.5%

Bank of Cyprus

45 Day Notice (4)

2%

1.6%

1.2%

Bank of Ireland

Card Saver

2.5%

2%

1.5%

Bank of Scotland

Instant Access (1)

1.75%

1.4%

1.05%

Barclays

Easy Saver

2.96%

2.37%

1.78%

Barclays

Bonus Saver (B)

2.05 – 2.55%

1.64 – 2.04%

1.23 – 1.53%

Barnsley BS

Falcon Instant

0.75 – 1.15%

0.6 – 0.92%

0.45 – 0.69%

Barnsley BS

Millers / Reds / Spireite / Tigers / Wildcat

2.8%

2.24%

1.68%

Barnsley BS

Falcon 60

1.85 – 3.1%

1.48 – 2.48%

1.11 – 1.86%

Barnsley BS

Falcon 120 (5)

3%

2.4%

1.8%

Bath BS

Lifestyle (6)

0.65 – 3.1%

0.52 – 2.48%

0.39 – 1.86%

Birmingham Midshires

Postal Easy Access (5)

1.46 – 3.11%

1.17 – 2.49%

0.88 – 1.87%

Bradford & Bingley

First Choice (C)

0.85 – 1%

0.68 – 0.8%

0.51 – 0.6%

Britannia BS

Football Affinity Accounts (1)

2.05 – 2.25%

1.64 – 1.8%

1.23 – 1.35%

Britannia BS

Flexible Saver

1 – 1.85%

0.8 – 1.48%

0.6 – 1.11%

Britannia BS

Premium Saver (5)

2.7 – 3%

2.16 – 2.4%

1.62 -1.8%

Britannia BS

Members Bond (5)

3.05%

2.44%

1.83%

Buckinghamshire BS

Added Advantage (3)

0.5 – 2.45%

0.4 – 1.96%

0.3 – 1.47%

Buckinghamshire BS

Chiltern Gold (5)

2.95 – 3.15%

2.36 – 2.52%

1.77 – 1.89%

Cambridge BS

Instant Sapphire

1.3 – 2.31%

1.04 – 1.84%

0.78 – 1.39%

Cambridge BS

Hallmark (3)

2.82 – 3.02%

2.26 – 2.42%

1.69 – 1.81%

Chelsea BS

Instant Option

1.25 – 2%

1-1.6%

0.75 - 1.2%

Cheltenham & Gloucester

Branch 10 (7)

1.1%

0.88%

0.66%

Cheltenham & Gloucester

Direct Transfer (8)

3.1 – 3.25%

2.48 – 2.6%

1.86 – 1.95%

Cheltenham & Gloucester

Gold

1.1 – 1.25%

0.88– 1%

0.66 – 0.75%

Cheltenham & Gloucester

The London

1.3 – 2.95%

1.04 – 2.36%

0.78 – 1.77%

Chesham BS

Bonus Saver (A)

0.61 – 0.86%

0.49 – 0.69%

0.37 – 0.52%

Chesham BS

Shire Bond (5)

1.1 – 3.05%

0.88 – 2.44%

0.66 – 1.83%

Chesham BS

Flexi 30

0.7 – 2.78%

0.56 – 2.22%

0.42 – 1.67%

Cheshire BS

Affinity Accounts (2)

2.35 – 2.8%

1.88 – 2.24%

1.41 – 1.68%

Cheshire BS

Easy Saver (2)

2.35 – 3.15%

1.88 – 2.52%

1.41 – 1.89%

Cheshire BS

Premium Access

0.75 – 0.95%

0.6 – 0.76%

0.45 – 0.57%

Cheshire BS

Silkmen Saver (1)

2.85 – 2.95%

2.28 – 2.36%

1.71 – 1.77%

Chorley & District BS

Chorleian Share

1.35 – 2.25%

1.08 – 1.8%

0.81 – 1.35%

Chorley & District BS

Instant Rovers (5)

2.05 – 2.85%

1.64 – 2.28%

1.23 – 1.71%

Chorley & District BS

Lancastrian Share

1.65 – 3.15%

1.32 – 2.52%

0.99 – 1.89%

Chorley & District BS

St. Catherines Notice (5)

2 - 2.9%

1.6 – 2.32%

1.2 – 1.74%

Chorley & District BS

Fortress Share (2)

2.95 – 3.15%

2.36 – 2.52%

1.77 – 1.89%

Citibank

Instant Access

0.35 – 2.38%

0.28 – 1.9%

0.21 – 1.43%

Citibank

60 Day Direct (1)

2.02%

1.61%

1.21%

City of Derry BS

Extra Instant Access

1.5 – 3%

1.2 – 2.4%

0.9 – 1.8%

City of Derry BS

Access 30 (5)

2.25 – 2.75%

1.8 – 2.2%

1.35 – 1.65%

City of Derry BS

90 – Twenty (2)

3%

2.4%

1.8%

Clydesdale Bank

Savings

1 – 2.1%

0.8 – 1.68%

0.6 – 1.26%

Co-operative Bank

Cash Saver

0.65 – 1.53%

0.52 – 1.22%

0.39 – 0.92%

Coventry BS

BranchSave Passbook

1.15 – 1.3%

0.92 – 1.04%

0.69 – 0.78%

Coventry BS

BranchSave Statement

3.1%

2.48%

1.86%

Coventry BS

PostSave Passbook

3.15%

2.52%

1.89%

Cumberland BS

Cashcard

1.7 – 3.05%

1.36 – 2.44%

1.02 – 1.83%

Cumberland BS

Cashcard Flexible

1.25 – 3%

1 – 2.4%

0.75 – 1.8%

Cumberland BS

Affinity accounts (3)

1.8 – 2.75%

1.44 – 2.2%

1.08 – 1.65%

Cumberland BS

Instant Savings

1.7 – 3.05%

1.36 – 2.44%

1.02 – 1.83%

Cumberland BS

30 day notice (2)

2.8 – 3.1%

2.24 - 2.48%

1.68 – 1.86%

Darlington BS

Supporter accounts

0.5 – 1.6%

0.4 – 1.28%

0.3 – 0.96%

Darlington BS

Instant Access

0.1 – 3.05%

0.08 – 2.44%

0.06 – 1.83%

Darlington BS

Sentinel 90 (5)

1.55 – 3%

1.24 – 2.4%

0.93 – 1.8%

Derbyshire BS

Crown Instant / Triple Gold

1.15 – 2.3%

0.92 – 1.84%

0.69 – 1.38%

Derbyshire BS

Derby Rams / EMT and RCH (1)

3%

2.4%

1.8%

Derbyshire BS

Derbyshire Cash Account

0.5%

0.4%

0.3%

Derbyshire BS

Crown 90 (5)

2.2 – 2.95%

1.76 – 1.77%

1.32 – 2.36%

Derbyshire BS

Crown Monthly (3)

1.6 – 2.85%

1.28 – 2.28%

0.96 – 1.71%

Dudley BS

Extra Special

0.2 – 2.4%

0.16 – 1.92%

0.12 – 1.44%

Dudley BS

Save and Sponsor (5)

1.9 – 3.15%

1.52 – 2.52%

1.14 – 1.89%

Dudley BS

Special Savings (2)

2.2%

1.76%

1.32%

Dunfermline BS

Direct Now
Issue 2 (1)

1.6 - 3.15%

1.28 – 2.52%

0.96 – 1.89%

Dunfermline BS

Gold

1.1 – 3.05%

0.88 – 2.44%

0.66 – 1.83%

Dunfermline BS

Premium Shares (5)

1.75 – 2.8%

1.4 – 2.24%

1.05 – 1.68%

Earl Shilton BS

Double Top

0.75 – 2%

0.6 – 1.6%

0.45 – 1.2%

Earl Shilton BS

Capital 90 / Monthly Income (5)

1.7 – 2.7%

1.36 – 2.16%

1.02 – 1.62%

Earl Shilton BS

Select 120 (5)

1.95 – 2.95%

1.56 – 2.36%

1.17- 1.77%

Ecology BS

Eco Instant

1.5 – 2.8%

1.2 – 2.24%

0.9 – 1.68%

Ecology BS

Eco-60 (2)

2.55 – 3.05%

2.04 – 2.44%

1.53 – 1.83%

First Direct

Everyday Savings

0.1 – 1.5%

0.08 – 1.2%

0.06 – 0.9%

First Direct

Savings (3)

0.1 – 3%

0.08 – 2.4%

0.06 – 1.8%

First Trust

Select Savings

0.7 – 2.65%

0.56 – 2.12%

0.42 – 1.59%

Furness BS

Instant Access

1.35 – 2.85%

1.08 - 2.28%

0.81 - 1.71%

Furness BS

Capital (3)

1.9 – 3%

1.52 – 2.4%

1.14 – 1.8%

Furness BS

Notice 90 (1)

2.65 – 2.9%

2.12 – 2.32%

1.59 – 1.74%

HSBC

Instant Access

1 - 1.75%

0.8 – 1.4%

0.6 – 1.05%

HSBC

Flexible Saver

2.25 – 3%

1.8 – 2.4%

1.35 – 1.8%

HSBC

Morrisons (A)

1%

0.8%

0.6%

HSBC

Premier Savings (3)

3%

2.4%

1.8%

Halifax

Liquid Gold

0.65 – 0.7%

0.52 – 0.56%

0.39 – 0.2%

Halifax

60 Day Gold

2.5 – 3.1%

2 – 2.48%

1.5 – 1.86%

Halifax

Instant Saver

2.1 – 2.6%

1.68 – 2.08%

1.26 – 1.56%

Halifax

Saver Reward

1.95 – 2.55%

1.56 – 2.04%

1.17 – 1.53%

Halifax

Bonus Gold (C)

1.5 – 2.55%

1.2 – 2.04%

0.9 – 1.53%

Hanley Economic

Instant Access

1.45 – 1.7%

1.16 – 1.36%

0.87 – 1.02%

Hanley Economic

Notice 28

1.75 – 2.8%

1.4 – 2.24%

0.84 – 1.68%

Hanley Economic

Postal 30 (2)

3.1%

2.48%

1.86%

Hanley Economic

Growth Bond (2)

2.65%

2.12%

1.59%

Harpenden BS

Escalator Shares

1 – 2.65%

0.8 – 2.12%

0.6 – 1.59%

Hinckley & Rugby

Eagle Easy Access (5)

2.7%

2.16%

1.62%

Hinckley & Rugby

High Rise

0.75 – 2.75%

0.6 – 2.2%

0.45 – 1.65%

Hinckley & Rugby

High Reward 6 (5)

2.7%

2.16%

1.62%

Holmesdale BS

Easy Access (5)

2.06 – 3.12%

1.65 – 2.5%

1.27 – 1.87%

Holmesdale BS

Special Shares (2)

2.67%

2.14%

1.63%

Holmesdale BS

Benefit Shares (2)

2.77%

2.22%

1.66%

Holmesdale BS

Monthly Income Shares (5)

2.62 – 3.14%

2.1 – 2.51%

1.57 - 1.88%

Ipswich BS

Premier 30 (8)

1.85 – 3%

1.48 – 2.4%

1.11 – 1.8%

Ipswich BS

Premier Monthly

2.4 – 3.1%

1.92 – 2.48%

1.44 – 1.86%

Ipswich BS

Premier Instant

1.25 – 2.52%

1 – 2.02%

0.8 – 1.51%

Julian Hodge Bank

Savings (3)

2 – 3%

1.6 – 2.4%

1.2 – 1.8%

Julian Hodge Bank

Eight Day Notice (2)

2.5 – 3%

2 - 2.4%

1.5 – 1.8%

Julian Hodge Bank

Extra High Interest (1)

3%

2.4%

1.8%

Kent Reliance BS

Easy Access

1 – 2.8%

0.8 – 2.24%

0.6 – 1.68%

Kent Reliance BS

Sportsaver

1.1%

0.88%

0.66%

Kent Reliance BS

90 Day Notice (5)

1.75 – 2.75%

1.4 – 2.2%

1.05 – 1.65%

Laiki Bank

Instant Access

0.9%

0.72%

0.54%

Lambeth BS

Easi-Save

0.86 – 2.11%

0.69 – 1.69%

0.52 – 1.27%

Lambeth BS

Postal 30 (2)

1.86 – 2.31%

1.29 – 1.84%

1.16 – 1.39%

Lambeth BS

Premium 30

1.11 – 2.36%

0.89 – 1.89%

0.67 – 1.42%

Lambeth BS

Olympos 60 (5)

1.36 – 3.11%

1.09 – 2.49%

0.82 – 1.87%

Lambeth BS

Millenium 90 (4)

2.76%

2.21 %

1.66%

Leeds BS

Leeds United / Donny Rovers / White Rose
Saver (2)

1.3 – 3.05%

1.04 – 2.44%

0.78 – 1.83%

Leeds BS

Premium Access (5)

3.15%

2.52%

1.89%

Leeds BS

Capital 7

1.35 – 3%

1.08 – 2.4%

0.81 – 1.8%

Leek United BS

Pyramid Share

0.6 – 2%

0.48 – 1.6%

0.36 – 1.2%

Leek United BS

Pyramid 90 (2)

2.75%

2.2%

1.65%

Lloyds TSB

Exclusive Saver Gold (2)

2.75 – 3%

2.2 – 2.4%

1.65 – 1.8%

Lloyds TSB

Exclusive Saver Platinum (4)

3%

2.4%

1.8%

Lloyds TSB

Exclusive Saver Select (5)

2.5 – 3%

2 – 2.4%

1.5 – 1.8%

Loughborough BS

Instant Access

0.35 – 1.7%

0.28 – 1.36%

0.21 – 1.02%

Loughborough BS

Leicestershire C.C.C

3%

2.4%

1.8%

Loughborough BS

60 Day (8)

1.95 – 3.2%

1.56 – 2.56%

1.17 – 1.92%

Manchester BS

Premier Instant

1 – 2.95%

0.8 – 2.36%

0.6 – 1.77%

Mansfield BS

Prime Access

0.25 – 2.5%

0.2 – 2%

0.15 – 1.5%

Mansfield BS

High Yield Option 90 (5)

2.2 – 2.95%

1.76 – 2.36%

1.32 – 1.77%

Mansfield BS

Monthly Income (5)

2.53 – 3.04%

2.02 – 2.43%

1.52 – 1.82%

Market Harborough BS

Instant Treasury

1.05 - 2.55%

0.84 – 2.04%

0.63 – 1.53%

Market Harborough BS

Simply Direct (1)

2.95%

2.36%

1.77%

Market Harborough BS

30 Day Notice (3)

1.6 – 3.1%

1.28 – 2.48%

0.96 – 1.86%

Market Harborough BS

60 Day Notice (5)

2.95%

2.36%

1.77%

Marsden BS

Rainbow Instant Access

0.25 – 3%

0.2 – 2.4%

0.15 – 1.8%

Marsden BS

Rainbow 40 (5)

2.75 – 3.25%

2.2 – 2.6%

1.65 – 1.95%

Melton Mowbray BS

Instant Access (2)

1.82 – 2.92%

1.46 – 2.34%

1.09 – 1.75%

Mercantile BS

Moneymaker Plus

0.6 – 2%

0.48 – 1.6%

0.36 – 1.2%

Mercantile BS

Premier 60 II (8)

2.35 – 3.05%

1.88 – 2.44%

1.41 – 1.83%

Mercantile BS

Bonus 90 (D)

1.4 – 2.55%

1.12 – 2.04%

0.84 – 1.53%

Mercantile BS

High Yield Bond (5)

2.45 – 2.95%

1.96 – 2.36%

1.47 -2.77%

Monmouthshire BS

Escalator Instant

1 – 2.4%

0.8 – 1.92%

0.8 – 1.44%

Monmouthshire BS

Escalator Bonus (8) (C)

1.6 – 2.85%

1.28 – 2.28%

0.96 – 1.71%

Monmouthshire BS

Escalator Bonus 90 (2) (C)

2.35 – 3.1%

1.8 – 2.48%

1.41 – 1.86%

National Savings & Investments

Easy Access Savings (9)

1.75%

1.4%

1.05%

National Savings & Investments

Investment (5)

2.9 – 3.25%

2.32 – 2.6%

1.74 – 1.95%

Nationwide BS

Cashbuilder

1.2 – 2.1%

0.96 – 1.68%

0.72 – 1.26%

Nationwide BS

Bonus 60 (E)

2.6 – 3.1%

2.08 – 2.48%

1.56 – 1.86%

Nationwide BS

CapitalBuilder

2.7 – 2.9%

2.16 – 2.32%

1.62 – 1.74%

Natwest

First Reserve

1.3 – 1.45%

1.04 – 1.16%

0.78 – 0.87%

Natwest

Reward Reserve (B)

0.1 – 3%

0.08 – 2.4%

0.06 – 1.8%

Newbury BS

Instant Premium

2.9%

2.32%

1.74%

Newcastle BS

Nova Plus Issue 3

0.85 – 2.1%

0.68 – 1.68%

0.51 – 1.26%

Newcastle BS

Key / Nottm Forest / Save & Care accounts (3)

1.35 – 2.9%

1.08 – 2.32%

0.81 – 1.74%

Newcastle BS

Nova Star 10 (2)

1.4 – 1.75%

1.12 – 1.4%

0.84 – 1.05%

Northern Bank

Summit Savings

1.35 – 2.95%

1.08 – 2.36%

0.81 – 1.77%

Northern Rock

Instant Access (E)

0.25 – 2.15%

0.2 – 1.72%

0.15 – 1.29%

Norwich + Peterborough BS

Affinity Accounts (8)

1.8 – 3.05%

1.44 – 2.44%

1.08 – 1.83%

Norwich + Peterborough BS

Easy Plus (C)

1 – 2.75%

0.8 – 2.2%

0.6 – 1.65%

Nottingham BS

Access Bonus (G)

1.02 – 1.7%

0.82 – 1.36%

0.61 – 1.02%

Nottingham BS

Access Plus

1.32 – 2.2%

1.06 – 1.76%

0.79 – 1.32%