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Savings

It doesn’t matter if you’re saving for a rainy day, for something special or for the very first time, the West Brom has a range of accounts that can help. Whether you want to access your money or get your interest rate fixed, we have something for everyone.

An introduction to savings

For some of us, knowing where to start when it comes to the subject of savings can be tricky. This guide gives you an understanding of why and how you should save as well as some additional information to help you along the way.

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Need additional support?

Let us know if you need any additional support when managing your money and we will do what we can to help.

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ISAs

  Minimum to open Annual Interest Rate Bonus Withdrawal Conditions Account Access  
1 Year Fixed Rate ISA £1 4.70% AER
4.70% Tax-Free i

Interest Tier Bonus Annual Monthly
AER Tax-Free AER Tax-Free
£1+ 4.70% 4.70% N/A N/A

Interest is fixed and paid annually on 5 April. Annual interest can be added to the account or paid into another account. Monthly interest is not available on the Fixed Rate ISAs.

No Withdrawals (including transfers and early closures) can be made subject to a charge equivalent to 90 days loss of interest. 1 Year Fixed Rate ISA
2 Year Fixed Rate ISA £1 4.40% AER
4.40% Tax-Free i

Interest Tier Bonus Annual Monthly
AER Tax-Free AER Tax-Free
£1+ 4.40% 4.40% N/A N/A

Interest is fixed and paid annually on 5 April. Annual interest can be added to the account or paid into another account. Monthly interest is not available on the Fixed Rate ISAs.

No Withdrawals (including transfers and early closures) can be made subject to a charge equivalent to 150 days loss of interest. 2 Year Fixed Rate ISA
3 Year Fixed Rate ISA £1 4.15% AER
4.15% Tax-Free i

Interest Tier Bonus Annual Monthly
AER Tax-Free AER Tax-Free
£1+ 4.15% 4.15% N/A N/A

Interest is fixed and paid annually on 5 April. Annual interest can be added to the account or paid into another account. Monthly interest is not available on the Fixed Rate ISAs.

No Withdrawals (including transfers and early closures) can be made subject to a charge equivalent to 150 days loss of interest. 3 Year Fixed Rate ISA
5 Year Fixed Rate ISA £1 3.90% AER
3.90% Tax-Free i

Interest Tier Bonus Annual Monthly
AER Tax-Free AER Tax-Free
£1+ 3.90% 3.90% N/A N/A

Interest is fixed and paid annually on 5 April. Annual interest can be added to the account or paid into another account. Monthly interest is not available on the Fixed Rate ISAs.

No Withdrawals (including transfers and early closures) can be made subject to a charge equivalent to 365 days loss of interest. 5 Year Fixed Rate ISA
Additional Permitted Subscriptions ISA £10 up to 2.80% AER
up to 2.80% Tax-Free i

Interest Tier Bonus Annual Monthly
AER Tax-Free AER Tax-Free
£1 - £4,999.99 2.80% 2.80% N/A N/A
£5,000-£14,999.99 2.80% 2.80% N/A N/A
£15,000-£500,000 2.80% 2.80% N/A N/A

Interest is variable and paid annually and calculated to 5 April and paid on 6 April. Annual interest can be added to the account or paid into another account. Monthly interest is not available on the APS ISA.

No Unlimited withdrawals. Additional Permitted Subscriptions ISA
West Brom Saver ISA £1 2.80% AER
2.80% Tax-Free i

Interest Tier Bonus Annual Monthly
AER Tax-Free AER Tax-Free
£1 - £2,000,000 2.80% 2.80% N/A N/A

Interest is variable and paid annually (calculated to 5 April and paid on 6 April each year). Annual interest can be added to the account or paid into another account. Monthly interest is not available on this account.

No You can make withdrawals at any time. West Brom Saver ISA
WeBSave 60 Day Notice ISA (Issue 2) £1 5.10% AER
5.10% Tax-Free i

Interest Tier Bonus Annual Monthly
AER Tax-Free AER Tax-Free
£1 - £1,000,000 5.10% 5.10% 5.10% 4.98%

Interest is variable and paid annually or monthly. Interest can be added to the account or paid into another account. Annual interest is calculated to 5 April and paid on 6 April each year. Monthly interest is paid on the first working day of the following month.

No If you want to make a withdrawal (including transfers or account closure) you will need to give us 60 days notice or you can withdraw earlier at a charge equivalent to 60 days loss of interest. WeBSave 60 Day Notice ISA (Issue 2)

Easy Access

  Minimum to open Annual Interest Rate Bonus Withdrawal Conditions Account Access  
Direct Limited Access Saver (Issue 3) £1000 up to 3.50% AER
up to 3.50% Gross i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1 - £1,000,000 3.50% 3.50% 3.50% 3.45%
If seven or more withdrawals are made 2.50% 2.50% 2.50% 2.47%

Interest is variable and paid annually or monthly. Interest can be added to the account or paid into another account. Annual interest is paid on 30 April. Monthly interest is paid on the last working day of each month (or on the first working day of the month if paid to another West Brom account).

No Limited Access - 6 withdrawals allowed each account year. Direct Limited Access Saver (Issue 3)
Limited Access Saver (Issue 2) £1 up to 3.50% AER
up to 3.50% Gross i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1 - £1,000,000 3.50% 3.50% 3.50% 3.45%
If seven or more withdrawals are made 2.50% 2.50% 2.50% 2.47%

Interest is variable and paid annually or monthly. Interest can be added to the account or paid into another account. Annual interest is paid on 31 March. Monthly interest is paid on the last working day of each month (or on the first working day of the month if paid to another West Brom account).

No Limited Access- 6 withdrawals allowed each account year (subject to branch cash withdrawal limits). Limited Access Saver (Issue 2)
West Brom Saver £1 2.80% AER
2.80% Gross i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1 - £2,000,000 2.80% 2.80% 2.80% 2.76%

Interest is variable and paid annually or monthly. Annual interest is paid on 31 March for accounts operated in a branch or 30 April for accounts operated by phone/post. Monthly interest is paid on the last working day of each month (or on the first working day of the month if paid to another West Brom account).

No You can make unlimited withdrawals (subject to branch cash withdrawal limits). West Brom Saver

Fixed Rate Bonds

  Minimum to open Annual Interest Rate Bonus Withdrawal Conditions Account Access  
1 Year Fixed Rate Bond £1000 4.70% AER
4.70% Gross i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1,000+ 4.70% 4.70% 4.70% 4.60%

Interest is fixed and paid annually or monthly. Annual interest can be added to the account or paid into another account and is paid at maturity on 31 March 2025. Monthly interest must be paid to another bank or building society account and is paid on the last working day of each month (or on the first working day of the month if paid to another West Brom account).

No No withdrawals can be made from this account during the fixed term. 1 Year Fixed Rate Bond
2 Year Fixed Rate Bond £1000 4.40% AER
4.40% Gross i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1,000+ 4.40% 4.40% 4.40% 4.31%

Interest is fixed and paid annually or monthly. Annual interest can be added to the account or paid into another account and is paid on 31 March (starting from 31 March 2025). Monthly interest must be paid to another bank or building society account and is paid on the last working day of each month (or on the first working day of the month if paid to another West Brom account).

No No withdrawals can be made from this account during the fixed term. 2 Year Fixed Rate Bond
3 Year Fixed Rate Bond £1000 4.15% AER
4.15% Gross i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1,000+ 4.15% 4.15% 4.15% 4.07%

Interest is fixed and paid annually or monthly. Annual interest can be added to the account or paid into another account and is paid on 31 March (starting from 31 March 2025). Monthly interest must be paid to another bank or building society account and is paid on the last working day of each month (or on the first working day of the month if paid to another West Brom account).

No No withdrawals can be made from this account during the fixed term. 3 Year Fixed Rate Bond
5 Year Fixed Rate Bond £1000 3.90% AER
3.90% Gross i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1,000+ 3.90% 3.90% 3.90% 3.83%

Interest is fixed and paid annually or monthly. Annual interest can be added to the account or paid into another account and is paid on 31 March (starting from 31 March 2025). Monthly interest must be paid to another bank or building society account and is paid on the last working day of each month (or on the first working day of the month if paid to another West Brom account).

No No withdrawals can be made from this account during the fixed term. 5 Year Fixed Rate Bond

Regular Savers

  Minimum to open Annual Interest Rate Bonus Withdrawal Conditions Account Access  
Access Regular Saver £20 up to 3.60% AER
up to 3.60% Gross i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£20 - £2,000 per month 3.60% 3.60% N/A N/A
If more than two monthly payments are missed 2.50% 2.50% N/A N/A

Interest is variable and paid annually on 31 March for accounts operated in a branch or 30 April for telephone/postal/website accounts.

No Unlimited withdrawals without notice. 2 monthly missed payments allowed each account year. Access Regular Saver
Fixed Rate Regular Saver (Issue 7) £10 6.00% AER
6.00% Gross i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£10 - £250 per month 6.00% 6.00% N/A N/A

Interest is fixed and paid on the anniversary of the account opening. Monthly interest is not available on this account.

No No withdrawals are permitted within the 12 month fixed rate period. Fixed Rate Regular Saver (Issue 7)

Childrens Accounts

  Minimum to open Annual Interest Rate Bonus Withdrawal Conditions Account Access  
Fixed Rate Regular Saver (Issue 7) £10 6.00% AER
6.00% Gross i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£10 - £250 per month 6.00% 6.00% N/A N/A

Interest is fixed and paid on the anniversary of the account opening. Monthly interest is not available on this account.

No No withdrawals are permitted within the 12 month fixed rate period. Fixed Rate Regular Saver (Issue 7)
Children's West Brom Access Account £1 up to 3.85% AER
up to 3.85% Gross i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1 - £100,000 3.85% 3.85% N/A N/A
If six or more withdrawals are made 2.85% 2.85% N/A N/A

Interest is variable and paid annually on 1 April (calculated to 31 March). Interest can be added to the account or paid into another account. Monthly interest is not available on this account.

No Up to 6 withdrawals each account year without charge or notice. Children's West Brom Access Account

Fixed Rate Savings

  Minimum to open Annual Interest Rate Bonus Withdrawal Conditions Account Access  
1 Year Fixed Rate ISA £1 4.70% AER
4.70% Tax-Free i

Interest Tier Bonus Annual Monthly
AER Tax-Free AER Tax-Free
£1+ 4.70% 4.70% N/A N/A

Interest is fixed and paid annually on 5 April. Annual interest can be added to the account or paid into another account. Monthly interest is not available on the Fixed Rate ISAs.

No Withdrawals (including transfers and early closures) can be made subject to a charge equivalent to 90 days loss of interest. 1 Year Fixed Rate ISA
2 Year Fixed Rate ISA £1 4.40% AER
4.40% Tax-Free i

Interest Tier Bonus Annual Monthly
AER Tax-Free AER Tax-Free
£1+ 4.40% 4.40% N/A N/A

Interest is fixed and paid annually on 5 April. Annual interest can be added to the account or paid into another account. Monthly interest is not available on the Fixed Rate ISAs.

No Withdrawals (including transfers and early closures) can be made subject to a charge equivalent to 150 days loss of interest. 2 Year Fixed Rate ISA
3 Year Fixed Rate ISA £1 4.15% AER
4.15% Tax-Free i

Interest Tier Bonus Annual Monthly
AER Tax-Free AER Tax-Free
£1+ 4.15% 4.15% N/A N/A

Interest is fixed and paid annually on 5 April. Annual interest can be added to the account or paid into another account. Monthly interest is not available on the Fixed Rate ISAs.

No Withdrawals (including transfers and early closures) can be made subject to a charge equivalent to 150 days loss of interest. 3 Year Fixed Rate ISA
5 Year Fixed Rate ISA £1 3.90% AER
3.90% Tax-Free i

Interest Tier Bonus Annual Monthly
AER Tax-Free AER Tax-Free
£1+ 3.90% 3.90% N/A N/A

Interest is fixed and paid annually on 5 April. Annual interest can be added to the account or paid into another account. Monthly interest is not available on the Fixed Rate ISAs.

No Withdrawals (including transfers and early closures) can be made subject to a charge equivalent to 365 days loss of interest. 5 Year Fixed Rate ISA
1 Year Fixed Rate Bond £1000 4.70% AER
4.70% Gross i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1,000+ 4.70% 4.70% 4.70% 4.60%

Interest is fixed and paid annually or monthly. Annual interest can be added to the account or paid into another account and is paid at maturity on 31 March 2025. Monthly interest must be paid to another bank or building society account and is paid on the last working day of each month (or on the first working day of the month if paid to another West Brom account).

No No withdrawals can be made from this account during the fixed term. 1 Year Fixed Rate Bond
2 Year Fixed Rate Bond £1000 4.40% AER
4.40% Gross i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1,000+ 4.40% 4.40% 4.40% 4.31%

Interest is fixed and paid annually or monthly. Annual interest can be added to the account or paid into another account and is paid on 31 March (starting from 31 March 2025). Monthly interest must be paid to another bank or building society account and is paid on the last working day of each month (or on the first working day of the month if paid to another West Brom account).

No No withdrawals can be made from this account during the fixed term. 2 Year Fixed Rate Bond
3 Year Fixed Rate Bond £1000 4.15% AER
4.15% Gross i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1,000+ 4.15% 4.15% 4.15% 4.07%

Interest is fixed and paid annually or monthly. Annual interest can be added to the account or paid into another account and is paid on 31 March (starting from 31 March 2025). Monthly interest must be paid to another bank or building society account and is paid on the last working day of each month (or on the first working day of the month if paid to another West Brom account).

No No withdrawals can be made from this account during the fixed term. 3 Year Fixed Rate Bond
5 Year Fixed Rate Bond £1000 3.90% AER
3.90% Gross i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1,000+ 3.90% 3.90% 3.90% 3.83%

Interest is fixed and paid annually or monthly. Annual interest can be added to the account or paid into another account and is paid on 31 March (starting from 31 March 2025). Monthly interest must be paid to another bank or building society account and is paid on the last working day of each month (or on the first working day of the month if paid to another West Brom account).

No No withdrawals can be made from this account during the fixed term. 5 Year Fixed Rate Bond

Notice Savings Accounts

  Minimum to open Annual Interest Rate Bonus Withdrawal Conditions Account Access  
WeBSave 60 Day Notice ISA (Issue 2) £1 5.10% AER
5.10% Tax-Free i

Interest Tier Bonus Annual Monthly
AER Tax-Free AER Tax-Free
£1 - £1,000,000 5.10% 5.10% 5.10% 4.98%

Interest is variable and paid annually or monthly. Interest can be added to the account or paid into another account. Annual interest is calculated to 5 April and paid on 6 April each year. Monthly interest is paid on the first working day of the following month.

No If you want to make a withdrawal (including transfers or account closure) you will need to give us 60 days notice or you can withdraw earlier at a charge equivalent to 60 days loss of interest. WeBSave 60 Day Notice ISA (Issue 2)

Company Accounts

  Minimum to open Annual Interest Rate Bonus Withdrawal Conditions Account Access  
7 Day Corporate Deposit Notice Account (Issue 2) £10000 up to 1.00% AER
up to 1.00% Gross i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£10,000 - £10,000,000 1.00% 1.00% N/A N/A

Interest is variable and paid annually on 30 April and automatically added to the account. Where the balance goes below the minimum opening balance (£10,000), no interest will be earned.

No Withdrawals can be made at any time with 7 days notice without charge. Access to your funds without notice will incur a charge equivalent of 7 days’ interest. 7 Day Corporate Deposit Notice Account (Issue 2)
7 Day Notice Credit Union Deposit Account £10000 up to 1.00% AER
up to 1.00% Gross i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£10,000 - £10,000,000 1.00% 1.00% N/A N/A

Interest is variable and paid annually on 30 September and automatically added to the account. Where the balance goes below the minimum operating balance (£10,000), no interest will be earned.

No There is a 7 day notice period for withdrawals, or access without notice subject to a charge equivalent to 7 days loss of interest on the amount withdrawn. 7 Day Notice Credit Union Deposit Account

Online

  Minimum to open Annual Interest Rate Bonus Withdrawal Conditions Account Access  
WeBSave 2 Year ISA £1 4.25% AER
4.25% Tax-Free i

Interest Tier Bonus Annual Monthly
AER Tax-Free AER Tax-Free
£1+ 4.25% 4.25% N/A N/A

Interest is fixed and paid annually on 31 January (starting on 31 January 2025). Annual interest can be added to the account or paid into another account. Monthly interest is not available on the WeBSave 2 Year ISA.

No Withdrawals (including transfers and early closures) can be made subject to a charge equivalent to 150 days loss of interest. WeBSave 2 Year ISA
WeBSave 2 Year Bond £1000 4.25% AER
4.25% Gross i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1,000+ 4.25% 4.25% N/A N/A

Interest is fixed and paid annually on 31 January (starting from 31 January 2025). Annual interest can be added to the account or paid into another account. Monthly interest is not available on the WeBSave 2 Year Bond.

No No withdrawals can be made from this account during the fixed term. WeBSave 2 Year Bond
WeBSave 60 Day Notice ISA (Issue 2) £1 5.10% AER
5.10% Tax-Free i

Interest Tier Bonus Annual Monthly
AER Tax-Free AER Tax-Free
£1 - £1,000,000 5.10% 5.10% 5.10% 4.98%

Interest is variable and paid annually or monthly. Interest can be added to the account or paid into another account. Annual interest is calculated to 5 April and paid on 6 April each year. Monthly interest is paid on the first working day of the following month.

No If you want to make a withdrawal (including transfers or account closure) you will need to give us 60 days notice or you can withdraw earlier at a charge equivalent to 60 days loss of interest. WeBSave 60 Day Notice ISA (Issue 2)
WeBSaveR 2 £1000 up to 2.80% AER
up to 2.80% Gross i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1 - £2,000,000 2.80% 2.80% 2.80% 2.76%

Interest is variable and paid annually or monthly. Interest can be added to the account or paid into another account. Annual interest is paid on 1 May. Monthly interest is paid on the first working day of the following month.

No Easy Access - unlimited withdrawals allowed. WeBSaveR 2
WeBSaveR ISA 2 £1000 up to 2.80% AER
up to 2.80% Tax-Free i

Interest Tier Bonus Annual Monthly
AER Tax-Free AER Tax-Free
£1 - £500,000 2.80% 2.80% N/A N/A

Interest is variable and paid annually (calculated to 5 April and paid on 6 April each year). Interest can be added to the account or paid into another account. Monthly interest is not available.

No Easy Access - unlimited withdrawals allowed. WeBSaveR ISA 2

Other Accounts

  Minimum to open Annual Interest Rate Bonus Withdrawal Conditions Account Access  
Albion Advantage Account £100 up to 2.55% AER
up to 2.55% Gross i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1 - £100,000 2.55% 2.55% N/A N/A

Interest is variable and paid annually on 1 April. Interest can be added to the account or paid into another account. There is no monthly interest option with this account.

No You can make unlimited withdrawals with no notice period or charge (subject to branch cash withdrawal limits). Albion Advantage Account
Amber Blue Saver Account £25 up to 2.55% AER
up to 2.55% Gross i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1 - £2,000,000 2.55% 2.55% N/A N/A

Interest is variable and paid annually on 1 April. Interest can be added to the account or paid into another account. There is no monthly interest option with this account.

No You can make unlimited withdrawals with no notice period or charge (subject to branch cash withdrawal limits). Amber Blue Saver Account
Charity and Club/Treasurers Account £250 up to 1.00% AER
up to 1.00% Gross i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1 - £1,000,000 1.00% 1.00% N/A N/A

Interest is variable and paid annually on 1 April. Interest can be added to the account or paid into another account. There is no monthly interest option with this account.

No You can make unlimited withdrawals with no notice period or charge (subject to branch cash withdrawal limits). Charity and Club/Treasurers Account
Community Account £25 up to 2.55% AER
up to 2.55% Gross i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1 - £2,000,000 2.55% 2.55% 2.55% 2.52%

Interest is variable and paid annually or monthly. Interest can be added to the account or paid into another account. Annual interest is paid on 1 April. Monthly interest is paid on the last working day of each month (or on the first working day of the month if paid to another West Brom account).

No You can make unlimited withdrawals with no notice period or charge (subject to branch cash withdrawal limits). Community Account
Red Balloon Appeal Account £25 up to 2.55% AER
up to 2.55% Gross i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1 - £2,000,000 2.55% 2.55% 2.55% 2.52%

Interest is variable and paid annually or monthly. Interest can be added to the account or paid into another account. Annual interest is paid on 30 April. Monthly interest is paid on the last working day of each month (or on the first working day of the month if paid to another West Brom account).

No There is no notice period or charge for withdrawal (subject to branch cash withdrawal limits). Red Balloon Appeal Account
Saddlers Super Saver Account £25 up to 2.55% AER
up to 2.55% Gross i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1 - £2,000,000 2.55% 2.55% N/A N/A

Interest is variable and paid annually on 1 April. Interest can be added to the account or paid into another account. There is no monthly interest option with this account.

No You can make unlimited withdrawals with no notice period or charge (subject to branch cash withdrawal limits). Saddlers Super Saver Account
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