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Limited Access Saver


£{{interestEarned}} 1.35 {{headlineSup}} question-mark
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AER*/Gross p.a.
Variable
Rate includes a fixed 0.35% AER bonus for 12 months
Our highly competitive account for savers who only need limited access to their money. The variable rate from the second year onwards is currently 1.00% AER/Gross p.a.
FSCS logo
Your savings are protected

Your eligible deposits with Coventry Building Society are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered.

For joint accounts eligible deposits are protected up to £170,000.

Please click here  FSCS protect  (PDF 3.7MB) for further information or visit www.fscs.org.uk

Limited Access Saver offers a highly competitive interest rate and allows you to access your savings up to three times a year without charge. It’s designed to allow you to build up your savings and also access your money from time to time. It’s easy to manage using Online or Telephone Services.

Summary box


Account Name
Limited Access Saver
What is the interest Rate?
  Annual interest
(Variable)
Monthly interest
(Variable)
Balance AER*/Gross p.a. AER* Gross p.a.
£0.01 plus 1.35% 1.35% 1.34%

The interest rates shown above are the rates applicable for the first year the account is open.

 

A fixed bonus of 0.35% AER is included for the first year the account is open.

 

The variable rate from the second year onwards is currently 1.00% AER/Gross p.a. for annual and monthly interest.

 

We calculate the interest daily and you can choose whether we pay your interest annually, on the anniversary of the date you opened the account, or monthly, at the end of the last day of each month. Interest can be added to the account or paid away.

Can the Coventry change the interest rate?

The interest rate includes a fixed bonus of 0.35% AER for the first 12 months the account is open.

 

The underlying interest rate (this is the interest rate without the bonus) is variable, meaning we can increase or decrease it at any time.

 

After the first 12 months, the fixed bonus period will end and your rate will change to the underlying variable interest rate (currently 1.00% AER/Gross p.a.)

 

For more details about why we may change the underlying rate, and how we’ll let you know about a change, see section 4 in our General Terms and Conditions booklet.

What would the estimated balance be after 12 months based on a £1,000 deposit?

After 12 months (including bonus interest) = £1,013.50

 

After 24 months = £1,023.64

 

This would be the balance after 12 and 24 months if £1,000 was paid in, all interest is paid back into the account on an annual basis, there was no change to the interest rate and no money was taken out or paid in during the year.

 

This illustration is just an example to help you compare accounts. It does not take into account any individual circumstances.

How do I open and manage my account?

How to open your account

  • Online Services
  • Telephone Services
  • By post (the account cannot be operated by post, it can only be operated over the telephone or online)
  • At a branch (the account cannot be operated in branch, it can only be operated over the telephone or online)

You must be aged 16 or over to open this account.
 

How to manage your account

  • Online Services
  • Telephone Services

How to pay in

  • Pay in cash or cheques in a branch
  • Pay in cheques by post
  • Set up transfers from an account with another bank or building society or another account with us

The minimum balance is £1.

The maximum balance is £250,000.

Can I withdraw money?

You can take money out of your account up to three times a year without having to pay a charge. From the fourth withdrawal onwards, you’ll receive a charge equal to 50 days’ interest based on the amount you’re withdrawing. The charge will be deducted from the balance of the account, at the time of the withdrawal. Each ‘year’ in this case starts on the anniversary of the day you opened the account.
 

How to withdraw

  • Request a transfer to another Coventry Building Society account
  • Request a transfer to your named bank account

You can use Telephone or Online Services to arrange to take money out of your account.

Additional information

We pay your interest gross. The gross rate is the interest payable before the deduction of tax.

 

This is a statement-based account. We will send you a statement only when a withdrawal has been made from the account (or you can choose to view them online).

 

You can only manage this account by telephone or online, you can’t manage it in a branch.

 

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year.

For full details, please see the Specific Terms for Limited Access Saver and our General Terms and Conditions.


How to keep track of your account

We’ll issue you with a statement within a month of any money leaving your account. But don’t worry, we’ll never send you more than one statement a month.

You can receive your statements by post. Or, if you use Online Services, you can go paperless and we’ll send you reminders to view your statements.

If you change your mind

You have a 14 day ‘cooling off period’ after you open a Limited Access Saver. If you wish, you may change your mind and take some money out, or close the account within 14 days without notice, charge or loss of interest.

To close the account, simply log into Online Services and select ‘Close my account’, or call us on 0800 121 8899.

If you’re not happy with our service

Please let us know. We take care to deal with problems quickly, thoroughly and fairly. If you’re still not satisfied when we’ve finished our complaints procedure, you can take your complaint to the Financial Ombudsman Service. For more information about the Ombudsman Service, visit their website: financial-ombudsman.org.uk

Ways to apply


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Compare our savings accounts to the market

We believe in being open and honest. We want you to make an informed choice. That’s why we've built this tool to help you compare our accounts with other providers.

This tool uses the latest data from moneyfacts.co.uk, an independent comparison service. Moneyfacts aim to include at least 95% of providers of UK-based personal savings accounts. 

What’s missing? Our tool omits any accounts with special conditions for opening (for example, you have to already hold an account with the provider).

Remember: there’s more to a savings account than just the interest rate. You can compare access terms, how to pay in and other criteria – then make your own mind up.

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