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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.
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 guideLet us know if you need any additional support when managing your money and we will do what we can to help.
Get additional support| Minimum to open | Annual Interest Rate | Bonus | Withdrawal Conditions | Account Access | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| WeBSaveR 2 | £1000 |
up to 0.30% AER up to 0.30% Gross i
Interest is variable and paid annually on 1 May or monthly on the first working day of the following month. |
No | Easy Access - unlimited withdrawals allowed. |
Online Once opened, you can manage this account online. |
WeBSaveR 2 | ||||||||||||||||
| WeBSaveR ISA 2 | £1000 |
up to 0.30% AER up to 0.30% Gross i
Interest is variable and paid annually (calculated to 5 April and paid on 6 April each year). |
No | Easy Access - unlimited withdrawals allowed. |
Online Once opened, you can manage this account online. |
WeBSaveR ISA 2 | ||||||||||||||||
| Minimum to open | Annual Interest Rate | Bonus | Withdrawal Conditions | Account Access | ||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| WeBSaveR ISA 2 | £1000 |
up to 0.30% AER up to 0.30% Gross i
Interest is variable and paid annually (calculated to 5 April and paid on 6 April each year). |
No | Easy Access - unlimited withdrawals allowed. |
Online Once opened, you can manage this account online. |
WeBSaveR ISA 2 | ||||||||||||||||||||||||||||
| Loyalty 1 Year Fixed Rate ISA | £1000 |
1.30% AER 1.30% Gross i
Interest is fixed and paid annually and is added to the account, or paid to a separate account, on 31 May. A monthly interest rate option is not available on the Fixed Rate ISAs. |
No | Withdrawals permitted with 60 days notice, or with 60 days loss of interest, including transfers and early closures |
In branch Once opened, you can manage this account in branch. Use our branch finder to find your nearest branch. By phone Once opened, you can manage this account over the phone. By post Once opened, you can manage this account by post. |
Loyalty 1 Year Fixed Rate ISA | ||||||||||||||||||||||||||||
| 2 Year Fixed Rate ISA | £1000 |
1.95% AER 1.95% Gross i
Interest is fixed and paid annually and is added to the account, or paid to a separate account, on 31 July. A monthly interest rate option is not available on the Fixed Rate ISAs. |
No | Up to 31 July 2023: 90 days notice, or with 90 days loss of interest. From 1 August 2023 to 31 July 2024: 60 days notice, or with 60 days loss of interest |
In branch Once opened, you can manage this account in branch. Use our branch finder to find your nearest branch. By phone Once opened, you can manage this account over the phone. By post Once opened, you can manage this account by post. |
2 Year Fixed Rate ISA | ||||||||||||||||||||||||||||
| 3 Year Fixed Rate ISA | £1000 |
2.00% AER 2.00% Gross i
Interest is fixed and paid annually and is added to the account, or paid to a separate account, on 31 May. A monthly interest rate option is not available on the Fixed Rate ISAs. |
No | Up to 31 May 2023: 120 days notice, or with 120 days loss of interest. From 1 June 2023 to 31 May 2024: 90 days notice, or with 90 days loss of interest. From 1 June 2024 to 31 May 2025: 60 days notice, or with 60 days loss of interest |
In branch Once opened, you can manage this account in branch. Use our branch finder to find your nearest branch. By phone Once opened, you can manage this account over the phone. By post Once opened, you can manage this account by post. |
3 Year Fixed Rate ISA | ||||||||||||||||||||||||||||
| Additional Permitted Subscriptions ISA | £10 |
up to 0.45% AER up to 0.45% Gross i
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. |
No | Unlimited withdrawals. |
By phone Once opened, you can manage this account over the phone. By post Once opened, you can manage this account by post. |
Additional Permitted Subscriptions ISA | ||||||||||||||||||||||||||||
| Easy Saver ISA | £10 |
up to 0.45% AER up to 0.45% Gross i
Interest is variable and paid annually (calculated to 5 April and paid on 6 April each year). |
No | Unlimited withdrawals. |
In branch Once opened, you can manage this account in branch. Use our branch finder to find your nearest branch. By phone Once opened, you can manage this account over the phone. By post Once opened, you can manage this account by post. |
Easy Saver ISA | ||||||||||||||||||||||||||||
| Minimum to open | Annual Interest Rate | Bonus | Withdrawal Conditions | Account Access | ||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Direct Limited Access Saver (Issue 3) | £1000 |
up to 0.65% AER up to 0.65% Gross i
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). |
No | Limited Access - 6 withdrawals allowed each account year. |
By phone Once opened, you can manage this account over the phone. By post Once opened, you can manage this account by post. |
Direct Limited Access Saver (Issue 3) | ||||||||||||||||||||||
| Direct Tracker Saver Account | £1000 |
up to 0.75% AER up to 0.75% Gross i
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). |
No | You can make up to six withdrawals from your account in each account year (1 May to 30 April) without notice or charge. |
By phone Once opened, you can manage this account over the phone. By post Once opened, you can manage this account by post. |
Direct Tracker Saver Account | ||||||||||||||||||||||
| Limited Access Saver (Issue 2) | £1 |
up to 0.65% AER up to 0.65% Gross i
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). |
No | Limited Access- 6 withdrawals allowed each account year (subject to branch cash withdrawal limits). |
In branch Once opened, you can manage this account in branch. Use our branch finder to find your nearest branch. |
Limited Access Saver (Issue 2) | ||||||||||||||||||||||
| Minimum to open | Annual Interest Rate | Bonus | Withdrawal Conditions | Account Access | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Loyalty 1 Year Fixed Rate Bond | £1000 |
1.30% AER 1.30% Gross i
Interest is fixed and paid annually on 31 May (starting from 31 May 2023) 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). |
No | No withdrawals are allowed during the 1 year term. |
In branch Once opened, you can manage this account in branch. Use our branch finder to find your nearest branch. By phone Once opened, you can manage this account over the phone. By post Once opened, you can manage this account by post. |
Loyalty 1 Year Fixed Rate Bond | ||||||||||||||||
| 2 Year Fixed Rate Bond | £1000 |
1.95% AER 1.95% Gross i
Interest is fixed and paid annually on 31 July (starting from 31 July 2023) 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). |
No | No withdrawals are allowed during the 2 year term. |
In branch Once opened, you can manage this account in branch. Use our branch finder to find your nearest branch. By phone Once opened, you can manage this account over the phone. By post Once opened, you can manage this account by post. |
2 Year Fixed Rate Bond | ||||||||||||||||
| 3 Year Fixed Rate Bond | £1000 |
2.00% AER 2.00% Gross i
Interest is fixed and paid annually on 31 May (starting from 31 May 2023) 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). |
No | No withdrawals are allowed during the 3 year term. |
In branch Once opened, you can manage this account in branch. Use our branch finder to find your nearest branch. By phone Once opened, you can manage this account over the phone. By post Once opened, you can manage this account by post. |
3 Year Fixed Rate Bond | ||||||||||||||||
| Minimum to open | Annual Interest Rate | Bonus | Withdrawal Conditions | Account Access | ||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Access Regular Saver | £20 |
up to 0.90% AER up to 0.90% Gross i
Interest is variable and paid annually on 31 March for branch based accounts or 30 April for direct accounts. |
No | Unlimited withdrawals without notice. 2 monthly missed payments allowed each account year. |
In branch Once opened, you can manage this account in branch. Use our branch finder to find your nearest branch. By phone Once opened, you can manage this account over the phone. By post Once opened, you can manage this account by post. |
Access Regular Saver | ||||||||||||||||||||||
| Adult's Fixed Rate Regular Saver (Issue 4) | £10 |
2.00% AER 2.00% Gross i
Interest is fixed and paid on the anniversary of the account opening. |
No | No withdrawals are permitted within the 12 month fixed rate period. |
In branch Once opened, you can manage this account in branch. Use our branch finder to find your nearest branch. |
Adult's Fixed Rate Regular Saver (Issue 4) | ||||||||||||||||||||||
| Children's Fixed Rate Regular Saver (Issue 4) | £10 |
2.50% AER 2.50% Gross i
Interest is fixed and paid on the anniversary of the account opening. |
No | No withdrawals are permitted within the 12 month fixed rate period. |
In branch Once opened, you can manage this account in branch. Use our branch finder to find your nearest branch. |
Children's Fixed Rate Regular Saver (Issue 4) | ||||||||||||||||||||||
| Minimum to open | Annual Interest Rate | Bonus | Withdrawal Conditions | Account Access | ||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Children's Fixed Rate Regular Saver (Issue 4) | £10 |
2.50% AER 2.50% Gross i
Interest is fixed and paid on the anniversary of the account opening. |
No | No withdrawals are permitted within the 12 month fixed rate period. |
In branch Once opened, you can manage this account in branch. Use our branch finder to find your nearest branch. |
Children's Fixed Rate Regular Saver (Issue 4) | ||||||||||||||||||||||
| Children's West Brom Access Account | £1 |
up to 0.90% AER up to 0.90% Gross i
Interest is variable and paid annually on 1 April (calculated to 31 March). |
No | Up to 6 withdrawals each account year without charge or notice. |
In branch Once opened, you can manage this account in branch. Use our branch finder to find your nearest branch. |
Children's West Brom Access Account | ||||||||||||||||||||||
| Minimum to open | Annual Interest Rate | Bonus | Withdrawal Conditions | Account Access | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Loyalty 1 Year Fixed Rate ISA | £1000 |
1.30% AER 1.30% Gross i
Interest is fixed and paid annually and is added to the account, or paid to a separate account, on 31 May. A monthly interest rate option is not available on the Fixed Rate ISAs. |
No | Withdrawals permitted with 60 days notice, or with 60 days loss of interest, including transfers and early closures |
In branch Once opened, you can manage this account in branch. Use our branch finder to find your nearest branch. By phone Once opened, you can manage this account over the phone. By post Once opened, you can manage this account by post. |
Loyalty 1 Year Fixed Rate ISA | ||||||||||||||||
| 2 Year Fixed Rate ISA | £1000 |
1.95% AER 1.95% Gross i
Interest is fixed and paid annually and is added to the account, or paid to a separate account, on 31 July. A monthly interest rate option is not available on the Fixed Rate ISAs. |
No | Up to 31 July 2023: 90 days notice, or with 90 days loss of interest. From 1 August 2023 to 31 July 2024: 60 days notice, or with 60 days loss of interest |
In branch Once opened, you can manage this account in branch. Use our branch finder to find your nearest branch. By phone Once opened, you can manage this account over the phone. By post Once opened, you can manage this account by post. |
2 Year Fixed Rate ISA | ||||||||||||||||
| 3 Year Fixed Rate ISA | £1000 |
2.00% AER 2.00% Gross i
Interest is fixed and paid annually and is added to the account, or paid to a separate account, on 31 May. A monthly interest rate option is not available on the Fixed Rate ISAs. |
No | Up to 31 May 2023: 120 days notice, or with 120 days loss of interest. From 1 June 2023 to 31 May 2024: 90 days notice, or with 90 days loss of interest. From 1 June 2024 to 31 May 2025: 60 days notice, or with 60 days loss of interest |
In branch Once opened, you can manage this account in branch. Use our branch finder to find your nearest branch. By phone Once opened, you can manage this account over the phone. By post Once opened, you can manage this account by post. |
3 Year Fixed Rate ISA | ||||||||||||||||
| Loyalty 1 Year Fixed Rate Bond | £1000 |
1.30% AER 1.30% Gross i
Interest is fixed and paid annually on 31 May (starting from 31 May 2023) 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). |
No | No withdrawals are allowed during the 1 year term. |
In branch Once opened, you can manage this account in branch. Use our branch finder to find your nearest branch. By phone Once opened, you can manage this account over the phone. By post Once opened, you can manage this account by post. |
Loyalty 1 Year Fixed Rate Bond | ||||||||||||||||
| 2 Year Fixed Rate Bond | £1000 |
1.95% AER 1.95% Gross i
Interest is fixed and paid annually on 31 July (starting from 31 July 2023) 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). |
No | No withdrawals are allowed during the 2 year term. |
In branch Once opened, you can manage this account in branch. Use our branch finder to find your nearest branch. By phone Once opened, you can manage this account over the phone. By post Once opened, you can manage this account by post. |
2 Year Fixed Rate Bond | ||||||||||||||||
| 3 Year Fixed Rate Bond | £1000 |
2.00% AER 2.00% Gross i
Interest is fixed and paid annually on 31 May (starting from 31 May 2023) 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). |
No | No withdrawals are allowed during the 3 year term. |
In branch Once opened, you can manage this account in branch. Use our branch finder to find your nearest branch. By phone Once opened, you can manage this account over the phone. By post Once opened, you can manage this account by post. |
3 Year Fixed Rate Bond | ||||||||||||||||
| Minimum to open | Annual Interest Rate | Bonus | Withdrawal Conditions | Account Access | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 7 Day Corporate Deposit Notice Account (Issue 2) | £10000 |
up to 0.01% AER up to 0.01% Gross i
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. |
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. |
By phone Once opened, you can manage this account over the phone. By post Once opened, you can manage this account by post. |
7 Day Corporate Deposit Notice Account (Issue 2) | ||||||||||||||||
| 7 Day Notice Credit Union Deposit Account | £10000 |
up to 0.01% AER up to 0.01% Gross i
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. |
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. |
By phone Once opened, you can manage this account over the phone. By post Once opened, you can manage this account by post. |
7 Day Notice Credit Union Deposit Account | ||||||||||||||||
| Minimum to open | Annual Interest Rate | Bonus | Withdrawal Conditions | Account Access | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Albion Advantage Account | £100 |
up to 0.30% AER up to 0.30% Gross i
Interest is variable and paid annually on 1 April. |
No | There is no notice period for withdrawal (subject to branch cash withdrawal limits). |
In branch Once opened, you can manage this account in branch. Use our branch finder to find your nearest branch. |
Albion Advantage Account | ||||||||||||||||
| Amber Blue Saver Account | £25 |
up to 0.30% AER up to 0.30% Gross i
Interest is variable and paid annually on 1 April. |
No | There is no notice period or charge for withdrawal (subject to branch cash withdrawal limits). |
In branch Once opened, you can manage this account in branch. Use our branch finder to find your nearest branch. |
Amber Blue Saver Account | ||||||||||||||||
| Base Rate Tracker Account | £500 |
up to 0.75% AER up to 0.75% Gross i
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). |
No | Four withdrawals are permitted per annum (1 December to 30 November) without charge. |
In branch Once opened, you can manage this account in branch. Use our branch finder to find your nearest branch. |
Base Rate Tracker Account | ||||||||||||||||
| Charity and Club/Treasurers Account | £250 |
up to 0.01% AER up to 0.01% Gross i
Interest is variable and paid annually on 1 April. |
No | There is no notice period or charge for withdrawal (subject to branch cash withdrawal limits). |
In branch Once opened, you can manage this account in branch. Use our branch finder to find your nearest branch. |
Charity and Club/Treasurers Account | ||||||||||||||||
| Community Account | £25 |
up to 0.30% AER up to 0.30% Gross i
Interest is variable and paid annually on 1 April. |
No | There is no notice period or charge for withdrawal (subject to branch cash withdrawal limits). |
In branch Once opened, you can manage this account in branch. Use our branch finder to find your nearest branch. |
Community Account | ||||||||||||||||
| Oak Savings Account | £10 |
up to 0.50% AER up to 0.50% Gross i
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). |
No | You can make unlimited withdrawals with no notice period or charge (subject to branch cash withdrawal limits). |
In branch Once opened, you can manage this account in branch. Use our branch finder to find your nearest branch. |
Oak Savings Account | ||||||||||||||||
| Premium Share Account | £100 |
up to 0.30% AER up to 0.30% Gross i
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). |
No | There is no notice period or charge for withdrawal (subject to branch cash withdrawal limits). |
In branch Once opened, you can manage this account in branch. Use our branch finder to find your nearest branch. |
Premium Share Account | ||||||||||||||||
| Red Balloon Appeal Account | £25 |
up to 0.30% AER up to 0.30% Gross i
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). |
No | There is no notice period or charge for withdrawal (subject to branch cash withdrawal limits). |
In branch Once opened, you can manage this account in branch. Use our branch finder to find your nearest branch. By phone Once opened, you can manage this account over the phone. By post Once opened, you can manage this account by post. |
Red Balloon Appeal Account | ||||||||||||||||
| Saddlers Super Saver Account | £25 |
up to 0.30% AER up to 0.30% Gross i
Interest is variable and paid annually on 1 April. |
No | There is no notice period or charge for withdrawal (subject to branch cash withdrawal limits). |
In branch Once opened, you can manage this account in branch. Use our branch finder to find your nearest branch. |
Saddlers Super Saver Account | ||||||||||||||||
