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It doesn’t matter if you’re saving for a rainy day, for retirement or for the very first time, the West Brom can help you save to reach your goals. Whether you want to access your money, or want to fix your rate, we have a range of savings and investment products to suit your needs.

Annual Cash ISA allowance

The annual Cash ISA allowance for the 2018/2019 tax year is £20,000.

Savings guide

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.

View guide

Existing customers

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Account management

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Investment

Choose how much and how often you would like to be able to invest into your account.

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Account access

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ISAs

Select your ISA status for the current Tax year.

Online

Online Minimum to open Annual Interest Rate Bonus Withdrawal Arrangements Account Access Product information
WeBSaveR 2 £1000 up to 0.90% AER i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1 - £250,000 0.90% 0.90% 0.90% 0.90%
Interest is variable and paid annually on 1 May or monthly on the first working day of the following month.
up to 0.90% Gross 		No i

Bonus

If the product has a bonus this will be indicated here. You can find out more about this in the product details section.
Easy Access - unlimited withdrawals allowed. i

Withdrawal conditions

This tells you whether or not this product has withdrawal restrictions.
More details
WeBSaveR ISA 2 £1000 up to 0.90% AER i

Interest Tier Bonus Annual Monthly
AER Tax Free AER Tax Free
£1 - £250,000 0.90% 0.90% N/A N/A
Interest is variable and paid annually (calculated to 5 April and paid on 6 April each year).
up to 0.90% Tax-Free 		No i

Bonus

If the product has a bonus this will be indicated here. You can find out more about this in the product details section.
Easy Access - unlimited withdrawals allowed. i

Withdrawal conditions

This tells you whether or not this product has withdrawal restrictions.
More details

ISAs

ISAs Minimum to open Annual Interest Rate Bonus Withdrawal Arrangements Account Access Product information
WeBSaveR ISA 2 £1000 up to 0.90% AER i

Interest Tier Bonus Annual Monthly
AER Tax Free AER Tax Free
£1 - £250,000 0.90% 0.90% N/A N/A
Interest is variable and paid annually (calculated to 5 April and paid on 6 April each year).
up to 0.90% Tax-Free 		No i

Bonus

If the product has a bonus this will be indicated here. You can find out more about this in the product details section.
Easy Access - unlimited withdrawals allowed. i

Withdrawal conditions

This tells you whether or not this product has withdrawal restrictions.
More details
1 Year Fixed Rate ISA £1000 1.15% AER i

Interest Tier Bonus Annual Monthly
AER Tax Free AER Tax Free
£1+ 1.15% 1.15% N/A N/A
Interest is fixed and paid annually and is added to the account, or paid to a separate account, on 31 October (starting from 31 October 2018). A monthly interest rate option is not available on the Fixed Rate ISAs.
up to 1.15% Tax-Free 		No i

Bonus

If the product has a bonus this will be indicated here. You can find out more about this in the product details section.
90 day’s notice or earlier at a charge equivalent to 90 days loss of interest i

Withdrawal conditions

This tells you whether or not this product has withdrawal restrictions.
More details
2 Year Fixed Rate ISA £1000 1.65% AER i

Interest Tier Bonus Annual Monthly
AER Tax Free AER Tax Free
£1+ 1.65% 1.65% N/A N/A
Interest is fixed and paid annually and is added to the account, or paid to a separate account, on 31 October (starting from 31 October 2018). A monthly interest rate option is not available on the Fixed Rate ISAs.
up to 1.65% Tax-Free 		No i

Bonus

If the product has a bonus this will be indicated here. You can find out more about this in the product details section.
90 day’s notice or earlier at a charge equivalent to 90 days loss of interest i

Withdrawal conditions

This tells you whether or not this product has withdrawal restrictions.
More details
3 Year Fixed Rate ISA £1000 1.75% AER i

Interest Tier Bonus Annual Monthly
AER Tax Free AER Tax Free
£1+ 1.75% 1.75% N/A N/A
Interest is fixed and paid annually and is added to the account, or paid to a separate account, on 31 October (starting from 31 October 2018). A monthly interest rate option is not available on the Fixed Rate ISAs.
up to 1.75% Tax-Free 		No i

Bonus

If the product has a bonus this will be indicated here. You can find out more about this in the product details section.
120 day’s notice or earlier at a charge equivalent to 120 days loss of interest i

Withdrawal conditions

This tells you whether or not this product has withdrawal restrictions.
More details
5 Year Fixed Rate ISA £1000 2.05% AER i

Interest Tier Bonus Annual Monthly
AER Tax Free AER Tax Free
£1+ 2.05% 2.05% N/A N/A
Interest is fixed and paid annually and is added to the account, or paid to a separate account, on 31 October (starting from 31 October 2018). A monthly interest rate option is not available on the Fixed Rate ISAs
up to 2.05% Tax-Free 		No i

Bonus

If the product has a bonus this will be indicated here. You can find out more about this in the product details section.
180 day’s notice or earlier at a charge equivalent to 180 days loss of interest i

Withdrawal conditions

This tells you whether or not this product has withdrawal restrictions.
More details
Easy Saver ISA £1 up to 0.95% AER i

Interest Tier Bonus Annual Monthly
AER Tax Free AER Tax Free
£1-£4,999.99 n/a 0.50% 0.50% N/A N/A
£5,000-£14,999.99 n/a 0.75% 0.75% N/A N/A
£15,000-£500,000 n/a 0.95% 0.95% N/A N/A
Interest is variable and paid annually (calculated to 5 April and paid on 6 April each year).
up to 0.95% Tax-Free 		No i

Bonus

If the product has a bonus this will be indicated here. You can find out more about this in the product details section.
Unlimited withdrawals i

Withdrawal conditions

This tells you whether or not this product has withdrawal restrictions.
More details
Help to Buy: ISA £1 up to 2.25% AER i

Interest Tier Bonus Annual Monthly
AER Tax Free AER Tax Free
£1-£1,200 to open, £200 per month n/a 2.25% 2.25% N/A N/A
Interest is variable and paid annually (calculated to 5 April and paid on 6 April each year). There is no monthly interest option.
up to 2.25% Tax-Free 		No i

Bonus

If the product has a bonus this will be indicated here. You can find out more about this in the product details section.
Withdrawals can be made at any time but these funds will not qualify for a bonus i

Withdrawal conditions

This tells you whether or not this product has withdrawal restrictions.
More details
Additional Permitted Subscriptions (APS) ISA £1 up to 0.95% AER i

Interest Tier Bonus Annual Monthly
AER Tax Free AER Tax Free
£1-£4,999.99 n/a 0.50% 0.50% N/A N/A
£5,000-£14,999.99 n/a 0.75% 0.75% N/A N/A
£15,000-£500,000 n/a 0.95% 0.95% N/A N/A
Interest is variable and paid annually and calculated to 5 April and paid on 6 April. There is no monthly option available on the APS ISA.
up to 0.95% Tax-Free 		No i

Bonus

If the product has a bonus this will be indicated here. You can find out more about this in the product details section.
Unlimited withdrawals i

Withdrawal conditions

This tells you whether or not this product has withdrawal restrictions.
More details

Easy access

Easy access Minimum to open Annual Interest Rate Bonus Withdrawal Arrangements Account Access Product information
Limited Access Saver (Issue 2) £1 up to 1.00% AER i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1 - £1,000,000 1.00% 1.00% 1.00% 1.00%
If seven or more withdrawals are made 0.25% 0.25% 0.25% 0.25%
Interest is variable and paid annually on 31 March or monthly on the last working day of each month (or on the first working day of the month if paid to another West Brom account).
up to 1.00% Gross 		No i

Bonus

If the product has a bonus this will be indicated here. You can find out more about this in the product details section.
Limited Access- six withdrawals allowed each account year (subject to branch cash withdrawal limits) i

Withdrawal conditions

This tells you whether or not this product has withdrawal restrictions.
More details
Direct Tracker Saver Account £1000 up to 0.50% AER i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1 - £1,000,000 0.50% 0.50% 0.50% 0.50%
Interest is variable and paid annually on 1 May or monthly on the last working day of each month (or on the first working day of the month if paid to another West Brom account).
up to 0.50% Gross 		No i

Bonus

If the product has a bonus this will be indicated here. You can find out more about this in the product details section.
6 Withdrawals permitted each account year i

Withdrawal conditions

This tells you whether or not this product has withdrawal restrictions.
More details
Direct Limited Access Saver (Issue 3) £1000 up to 1.00% AER i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1 - £1,000,000 1.00% 1.00% 1.00% 1.00%
If seven or more withdrawals are made 0.25% 0.25% 0.25% 0.25%
Interest is variable and paid annually on 30 April or monthly on the last working day of each month (or on the first working day of the month if paid to another West Brom account).
up to 1.00% Gross 		No i

Bonus

If the product has a bonus this will be indicated here. You can find out more about this in the product details section.
Limited Access - six withdrawals allowed each account year i

Withdrawal conditions

This tells you whether or not this product has withdrawal restrictions.
More details

Fixed Rate Bonds

Fixed Rate Bonds Minimum to open Annual Interest Rate Bonus Withdrawal Arrangements Account Access Product information
1 Year Fixed Rate Bond £1000 1.15% AER i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1,000+ 1.15% 1.15% 1.15% 1.14%
Interest is fixed and paid annually on 31 October (starting from 31 October 2019) or monthly. 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).
up to 1.15% Gross 		No i

Bonus

If the product has a bonus this will be indicated here. You can find out more about this in the product details section.
No withdrawals are allowed during the 1 year term i

Withdrawal conditions

This tells you whether or not this product has withdrawal restrictions.
More details
2 Year Fixed Rate Bond £1000 1.65% AER i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1,000+ 1.65% 1.65% 1.65% 1.64%
Interest is fixed and paid annually on 31 October (starting from 31 October 2019) or monthly. 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).
up to 1.65% Gross 		No i

Bonus

If the product has a bonus this will be indicated here. You can find out more about this in the product details section.
No withdrawals are allowed during the 2 year term i

Withdrawal conditions

This tells you whether or not this product has withdrawal restrictions.
More details
3 Year Fixed Rate Bond £1000 1.75% AER i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1,000+ 1.75% 1.75% 1.75% 1.74%
Interest is fixed and paid annually on 31 October (starting from 31 October 2019) or monthly. 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).
up to 1.75% Gross 		No i

Bonus

If the product has a bonus this will be indicated here. You can find out more about this in the product details section.
No withdrawals are allowed during the 3 year term i

Withdrawal conditions

This tells you whether or not this product has withdrawal restrictions.
More details
5 Year Fixed Rate Bond £1000 2.05% AER i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1,000+ 2.05% 2.05% 2.05% 2.03%
Interest is fixed and paid annually on 31 October (starting from 31 October 2019) or monthly. 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).
up to 2.05% Gross 		No i

Bonus

If the product has a bonus this will be indicated here. You can find out more about this in the product details section.
No withdrawals are allowed during the 5 year term i

Withdrawal conditions

This tells you whether or not this product has withdrawal restrictions.
More details

Regular Savers

Regular Savers Minimum to open Annual Interest Rate Bonus Withdrawal Arrangements Account Access Product information
Access Regular Saver £20 up to 1.20% AER i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£20 - £2,000 per month 1.20% 1.20% N/A N/A
If more than two monthly payments are missed the account will pay a lower rate of interest until the end of the account year 0.25% 0.25% N/A N/A
Interest is variable and paid annually on 31 March for branch based accounts or 30 April for direct accounts.
up to 1.20% Gross 		No i

Bonus

If the product has a bonus this will be indicated here. You can find out more about this in the product details section.
Unlimited withdrawals without notice. Two monthly missed payments allowed each account year. i

Withdrawal conditions

This tells you whether or not this product has withdrawal restrictions.
More details
Adult's Fixed Rate Regular Saver (Issue 4) £10 up to 2.00% AER i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£10 - £100 per month 2.00% 2.00% N/A N/A
Interest is fixed and paid on the anniversary of the account opening.
up to 2.00% Gross 		No i

Bonus

If the product has a bonus this will be indicated here. You can find out more about this in the product details section.
No withdrawals are permitted within the 12 month fixed rate period. i

Withdrawal conditions

This tells you whether or not this product has withdrawal restrictions.
More details
Children's Fixed Rate Regular Saver (Issue 4) £10 up to 2.50% AER i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£10 - £75 per month 2.50% 2.50% N/A N/A
Interest is fixed and paid on the anniversary of the account opening.
up to 2.50% Gross 		No i

Bonus

If the product has a bonus this will be indicated here. You can find out more about this in the product details section.
No withdrawals are permitted within the 12 month fixed rate period. i

Withdrawal conditions

This tells you whether or not this product has withdrawal restrictions.
More details

Children's Accounts

Children's Accounts Minimum to open Annual Interest Rate Bonus Withdrawal Arrangements Account Access Product information
Children's West Brom Access Account £1 up to 1.15% AER i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1 - £100,000 1.15% 1.15% N/A N/A
If seven or more withdrawals are made 0.05% 0.05% N/A N/A
Interest is variable and paid annually on 31 March.
up to 1.15% Gross 		No i

Bonus

If the product has a bonus this will be indicated here. You can find out more about this in the product details section.
Up to six withdrawals each account year without charge or notice. i

Withdrawal conditions

This tells you whether or not this product has withdrawal restrictions.
More details

Company Accounts

Company Accounts Minimum to open Annual Interest Rate Bonus Withdrawal Arrangements Account Access Product information
7 Day Corporate Deposit Notice Account (Issue 2) £10000 up to 0.05% AER i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£10,000 - £10,000,000 0.05% 0.05% N/A N/A
Interest is variable and paid annually on 30 April and automatically capitalised to the account. Where the balance goes below the minimum opening and operating balance (£10,000), no interest will be earned.
up to 0.05% Gross 		No i

Bonus

If the product has a bonus this will be indicated here. You can find out more about this in the product details section.
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. i

Withdrawal conditions

This tells you whether or not this product has withdrawal restrictions.
More details
7 Day Notice Credit Union Deposit Account £10000 up to 0.05% AER i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£10,000 - £10,000,000 0.05% 0.05% N/A N/A
Interest is variable and paid annually on 30 September and automatically capitalised to the account. Where the balance goes below the minimum opening and operating balance (£10,000), no interest will be earned.
up to 0.05% Gross 		No i

Bonus

If the product has a bonus this will be indicated here. You can find out more about this in the product details section.
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. i

Withdrawal conditions

This tells you whether or not this product has withdrawal restrictions.
More details

Other Accounts

Other Accounts Minimum to open Annual Interest Rate Bonus Withdrawal Arrangements Account Access Product information
Albion Advantage Account £100 up to 0.35% AER i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1 - £100,000 0.35% 0.35% N/A N/A
Interest is variable and paid annually on 1 April.
up to 0.35% Gross 		No i

Bonus

If the product has a bonus this will be indicated here. You can find out more about this in the product details section.
There is no notice period for withdrawal (subject to branch cash withdrawal limits) i

Withdrawal conditions

This tells you whether or not this product has withdrawal restrictions.
More details
Amber Blue Saver Account £25 up to 0.35% AER i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1 - £2,000,000 0.35% 0.35% N/A N/A
Interest is variable and paid annually on 1 April.
up to 0.35% Gross 		No i

Bonus

If the product has a bonus this will be indicated here. You can find out more about this in the product details section.
There is no notice period or charge for withdrawal (subject to branch cash withdrawal limits). i

Withdrawal conditions

This tells you whether or not this product has withdrawal restrictions.
More details
Community Account £25 up to 0.35% AER i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1 - £2,000,000 0.35% 0.35% N/A N/A
Interest is variable and paid annually on 1 April.
up to 0.35% Gross 		No i

Bonus

If the product has a bonus this will be indicated here. You can find out more about this in the product details section.
There is no notice period or charge for withdrawal (subject to branch cash withdrawal limits). i

Withdrawal conditions

This tells you whether or not this product has withdrawal restrictions.
More details
Oak Savings Account £10 up to 0.25% AER i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1 - £100,000 0.25% 0.25% 0.25% 0.25%
Interest is variable and paid annually on 30 November or monthly on the last working day of each month (or on the first working day of the month if paid to another West Brom account).
up to 0.25% Gross 		No i

Bonus

If the product has a bonus this will be indicated here. You can find out more about this in the product details section.
Easy Access - no limit on withdrawals i

Withdrawal conditions

This tells you whether or not this product has withdrawal restrictions.
More details
Red Balloon Appeal Account £25 up to 0.35% AER i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1 - £2,000,000 0.35% 0.35% 0.35% 0.35%
If the balance falls below the minimum operating balance, the Society reserves the right to close the account. Interest is variable and paid annually on 30 April or monthly on the last working day of each month (or on the first working day of the month if paid to another West Brom account).
up to 0.35% Gross 		No i

Bonus

If the product has a bonus this will be indicated here. You can find out more about this in the product details section.
There is no notice period or charge for withdrawal (subject to branch cash withdrawal limits). i

Withdrawal conditions

This tells you whether or not this product has withdrawal restrictions.
More details
Saddlers Super Saver Account £25 up to 0.35% AER i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1 - £2,000,000 0.35% 0.35% N/A N/A
Interest is variable and paid annually on 1 April.
up to 0.35% Gross 		No i

Bonus

If the product has a bonus this will be indicated here. You can find out more about this in the product details section.
There is no notice period or charge for withdrawal (subject to branch cash withdrawal limits). i

Withdrawal conditions

This tells you whether or not this product has withdrawal restrictions.
More details
Premium Share Account £100 up to 0.30% AER i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1 – £2,000,000 0.30% 0.30% 0.30% 0.30%
Interest is variable and paid annually on 1 April or monthly on the last working day of each month (or on the first working day of the month if paid to another West Brom account).
up to 0.30% Gross 		No i

Bonus

If the product has a bonus this will be indicated here. You can find out more about this in the product details section.
There is no notice period or charge for withdrawal (subject to branch cash withdrawal limits). i

Withdrawal conditions

This tells you whether or not this product has withdrawal restrictions.
More details
Base Rate Tracker Account £500 up to 0.50% AER i

Interest Tier Bonus Annual Monthly
AER Gross AER Gross
£1 - £2,000,000 0.50% 0.50% 0.50% 0.50%
Interest is variable and paid annually on 30 November or monthly on the last working day of each month (or on the first working day of the month if paid to another West Brom account).
up to 0.50% Gross 		No i

Bonus

If the product has a bonus this will be indicated here. You can find out more about this in the product details section.
Four withdrawals are permitted each account year without notice or charge (subject to branch cash withdrawal limits). The account will be closed on the fifth withdrawal. i

Withdrawal conditions

This tells you whether or not this product has withdrawal restrictions.
More details

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Savings guides

From novice savers wanting to understand the very basics of saving money to the seasoned savers just after a little guidance, our range of helpful and informative savings guides will have it covered.

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