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savings

fixed term deposits

fixed term deposit promotional imagewant to get a better rate by locking your money away for a while?

  • 1 and 2 year terms available
  • save £1,000 to £1,000,000
  • you could earn more interest if you have a qualifying current account^ and have credited a minimum of £800 in each of the 3 months before you apply
  • no withdrawals until maturity
  • offer may be withdrawn at any time
Find out more

cash ISAs

want to save tax-free?

  • we have a range of accounts for you to choose from
  • save up to £5,760 tax free* in a cash ISA in the 2013/2014 tax year
  • you can also transfer any existing cash ISAs to us
  • to open a cash ISA you must be aged 18 or over and resident for tax purposes in the UK
Find out more

no-notice savings

No notice account promotional imagewant to save and also get to your money easily?

  • start saving from just £1
  • instant access wherever you are
  • quick, easy and secure online application
  • secure online banking
  • earn more interest if you have a smile current account
  • to open an account you must be a UK resident aged 16 or over
Find out more

^Qualifying Current Accounts are: Current Account, Current Account Plus, Privilege current account, Privilege Premier current account, Student current account, Cashminder account, smile current account, smilemore current account.

10% tax rate on savings incomes

If you are over 65 and still need to pay tax on your income, you may be paying too much. You may be eligible for a special 10% tax rate on your savings income. If you would like further information please go to the HM Revenue & Customs website.

Important: We cannot give advice about tax issues, please contact your local Tax Office with any queries.

 

*For an explanation of terms used, please see our glossary.   

smile is a trading name of The Co-operative Bank which is authorised and regulated by the Financial Services Authority (No. 121885), subscribes to the Lending Code and the Financial Ombudsman Service and is licensed by the Office of Fair Trading (No. 006110)

The Co-operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester, M60 4EP. Registered in England and Wales No. 990937