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Below you will find:

Your statement explained

Savings help and support


Your savings with us (PDF 1MB)

Your Offset savings with us (PDF 2MB)

What's in your statement

Statement of your account 2018

1.    Account - Your account name and number.

2.    Balance - How much money is in each account on 5 April 2019 (including any interest we added). Some payments might not be included if they happened on 5 April 2019.

If your name was taken off an account during the tax year, you’ll be able to see the interest you got, but not how much is in the account.

3.    Interest - The interest paid for each account in the tax year 6 April 2018 to 5 April 2019. 

  • If your account pays interest annually and your statement doesn’t show a full year’s interest: This is because you either haven’t held the account for a full year, or your first interest payment was made less than 12 months after you opened your account.

  •  If there’s zero interest for this tax year: Although your savings are earning interest on a daily basis, we pay it on the interest payment date.

    Either way, you’re still earning interest every day. Hang on till your next statement of account(s) and it’ll all add up.

Joint account?

The interest for this tax year will be included on your statement as a total and also how much it would be if shared equally between account holders. If the interest includes an odd number of pence (e.g. £24.53), the extra penny is assigned to the person named first on the account.

4.    Your rate of interest - This is the interest rate we pay you for each of your accounts, as on 5 April 2019 and is based on how much money you had in your account on that day.

5.    Interest Frequency - This means how often you get your interest and when you’ll get it next. If the interest payment date or frequency isn’t shown, it’ll be in the Specific Terms for the account.

6.    Account Holders -  The people named on the account
If someone was added to or taken off the account, their name shows on the statement if they were an account holder on the date we paid interest. If they weren’t an account holder on the date we paid the interest, their name won’t be on it.

7.    Closed Account - Any accounts closed between 6 April 2018 and 5 April 2019.

Statement of your account 2018

8.    Offset - Your Offset savings are linked to your Offset mortgage to reduce the mortgage interest you pay. This is called the Offset benefit. You’ll see the Offset benefit on your mortgage statements.

9.   Total interest - Your total interest, paid between 6 April 2018 and 5 April 2019. You need to pay tax on any interest you earn above your Personal Savings Allowance – that’s £1,000 for basic rate taxpayers and £500 for higher rate taxpayers. If you do your own tax returns, you’ll need to let HMRC know how much interest you earned so keep this statement handy. For more information, contact HMRC, or visit their website:

10.    ISAs  - ISAs appear below the heading ‘Interest’ because they are tax-free savings accounts and the interest earned isn’t part of your Personal Savings Allowance.

11.    Flexible ISA - If your ISA is flexible, it will show here. A flexible ISA means that you can take money out of your ISA and put it back in the same tax year without it counting towards your annual ISA allowance – as long as you pay the money back in before the end of the same tax year.

12.    Inactive ISA - An ISA becomes ‘inactive’ if you haven’t paid into it for a whole tax year. It’ll still earn interest and you may be able to take money out (there might be a charge to do this, depending on the type of ISA you have). You may also still be able to pay in towards your annual ISA allowance in future tax years if the account terms allow it, but we’ll need to reactivate it for you. Contact us to find out what your options are.

13    Total Balance of the Accounts - How much money is in all the account(s) you hold with us, as on 5 April 2019.

14.   Junior Cash ISAs - If you’ve opened any Junior Cash ISAs, these appear here. You might not have any other accounts with us so your own balance will show as zero. If you do have other accounts, the money in any Junior Cash ISA account doesn’t count towards your personal balance because it really belongs to the child(ren).

Savings help and support