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fixed rate bonds

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

  • 1, 2 and 3 year terms available
  • save £1,000 to £1,000,000
  • choose annual or monthly interest
  • it is not possible to add to or withdraw from this account during the term of the product
  • offer may be withdrawn at any time

cash ISAs

want to save tax-free?

  • we have a range of accounts for you to choose from
  • save up to £15,240 tax free in a cash ISA in the 2015/2016 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

no-notice savings

instant access imagethe easy to use instant access account

  • variable rate of 0.25% gross*/AER* if you're a smile current account holder
  • you can kick off savings with just £1
  • you can withdraw your cash whenever you want - to make it easier we even give you a cash card to use in over 61,000 LINK machines.

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.


AER - AER Stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Gross - The gross rate of interest is the interest rate payable before any income tax is deducted (if you do pay tax).

Net - The net rate of interest is the interest payable after any income tax is deducted (if you do pay tax).

Tax free - Tax-free is the contractual rate of interest payable where interest is exempt from income tax.

The tax information provided is based on our current understanding of current law and HM Revenue & Customs practice which can change. Tax treatment depends on an individual’s personal circumstances.

The Co-operative Bank p.l.c. is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (No.121885). The Co-operative Bank, Platform, smile and Britannia are trading names of The Co-operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester M60 4EP. Registered in England and Wales No. 990937. Credit facilities are provided by The Co-operative Bank p.l.c. and are subject to status and our lending policy. The Bank reserves the right to decline any application for an account or credit facility. The Co-operative Bank p.l.c. is a member of the Council of Mortgage Lenders and subscribes to the Lending Code which is monitored by the Lending Standards Board.