Restricted access accounts

Higher interest for your future goals.

If you don’t need instant access to your savings, a restricted access savings account could be the perfect way to grow your money faster. By locking your funds away for a set period, you can often benefit from a higher interest rate—ideal for building your holiday fund, saving for a new home, or planning for retirement.

Why choose a restricted access account?

• Higher interest rates for fixed or notice periods
• Ideal for long-term savings goals
• Range of options to suit different needs and balances

Our restricted access accounts

• Home Saver – designed for first-time buyers saving for their first home
• Charity Account – earn interest while supporting a partnered charity; 35-day notice required for withdrawals
• Treasure Plus – for balances over £10,000; 90-day notice required
• Access 90 – for balances over £1,000; 90-day notice required
• Access 180 – for balances over £10,000; 180-day notice required

For current interest rates, eligibility, and full terms and conditions, explore each account below, or book an appointment with a savings adviser to discuss which account would best suit your needs.