Instant Access

• £1-£100,000 3.24% AER*.
• Please note, this rate will change to 3.00% AER from 2 June 2025.
• £100,001+ 0.00% AER*.
• We calculate the interest daily and pay it annually on 31^st December. Interest will be added to your account.
• You do not earn any interest on money in the account over £100,000. You cannot have more than £500,000 in your account.
• *AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and compounded once each year. The gross rate is the interest rate payable before tax.

• The interest rate is variable, so it can go up or down at any time.
• For more details about why we might change the rate, please read our Savings Terms & Conditions.

      £1,032.40

• This would be the balance after 12 months if £1,000 was paid in, all interest was paid back into the account, there was no change to the interest rate and no money was taken out or paid in.
• This is just an example to help you compare accounts. It does not take into account what you may do with the money in your account.

• You must live in the UK to open this account. You can open it with as little as £1.
• You can open an account on our website, using our Mobile App or by visiting one of our Branches in Bath.
• You can manage the accounts you hold with us through Bath Online, or by using our Mobile App. You can register for Bath Online on our website, and you can register for the Mobile App on your smartphone.
• Account holder identification will be required. This is usually obtained through our electronic identity verification service. However, if this proves inconclusive, here’s some popular ways to verify your ID.

• This is an instant access account. You can take out money whenever you wish in a Branch, up to a maximum of £500 without telling us first. If you tell us first, you can withdraw up to £2,000 the next day.
• You can withdraw by cheque from our Branches in Bath. There is no limit to how much you can withdraw.
• You can also ask us to make an electronic payment to your nominated account. This can be done on Bath Online, through the Mobile App, in a Branch, or you can contact our customer service team.

• This account is protected by the Financial Services Compensation Scheme (FSCS). You should read your FSCS Information and Exclusions sheet for more information about how your money is protected.
• This account is a savings account, which means it is meant to be used to help you save money for when you need it. It is not intended for making day-to-day transactions.
• You should read your Savings Terms & Conditions to fully understand how your account works.
• We can close an account at any time if you do not use the account as intended, or if you act inappropriately, such as abusive behaviour.