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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.
The annual Cash ISA allowance for the 2019/2020 tax year is £20,000.
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| Minimum to open | Annual Interest Rate | Bonus | Withdrawal Conditions | Account Access | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| WeBSaveR 2 | £1000 |
up to 0.90% AER up to 0.90% 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. |
Access online Open and manage your account online. |
WeBSaveR 2 | ||||||||||||||||
| WeBSaveR ISA 2 | £1000 |
up to 0.90% AER up to 0.90% 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. |
Access online Open and manage your account online. |
WeBSaveR ISA 2 | ||||||||||||||||
| Minimum to open | Annual Interest Rate | Bonus | Withdrawal Conditions | Account Access | ||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| WeBSaveR ISA 2 | £1000 |
up to 0.90% AER up to 0.90% 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. |
Access online Open and manage your account online. |
WeBSaveR ISA 2 | ||||||||||||||||||||||||||||
| 1 Year Fixed Rate ISA | £1000 |
1.15% AER 1.15% Gross i
Interest is fixed and paid annually and is added to the account, or paid to a separate account, on 31 August (starting from 31 August 2019). A monthly interest rate option is not available on the Fixed Rate ISAs. |
No | 90 day’s notice or earlier at a charge equivalent to 90 days loss of interest. |
Access through our branch network You can access this product through our branch network. To locate your nearest find our branch finder |
1 Year Fixed Rate ISA | ||||||||||||||||||||||||||||
| 2 Year Fixed Rate ISA | £1000 |
1.20% AER 1.20% Gross i
Interest is fixed and paid annually and is added to the account, or paid to a separate account, on 31 August (starting from 31 August 2019). A monthly interest rate option is not available on the Fixed Rate ISAs. |
No | 90 day’s notice or earlier at a charge equivalent to 90 days loss of interest. |
Access through our branch network You can access this product through our branch network. To locate your nearest find our branch finder |
2 Year Fixed Rate ISA | ||||||||||||||||||||||||||||
| 3 Year Fixed Rate ISA | £1000 |
1.40% AER 1.40% Gross i
Interest is fixed and paid annually and is added to the account, or paid to a separate account, on 31 August (starting from 31 August 2019). A monthly interest rate option is not available on the Fixed Rate ISAs. |
No | 120 day’s notice or earlier at a charge equivalent to 120 days loss of interest. |
Access through our branch network You can access this product through our branch network. To locate your nearest find our branch finder |
3 Year Fixed Rate ISA | ||||||||||||||||||||||||||||
| Additional Permitted Subscriptions (APS) ISA | £1 |
up to 0.95% AER up to 0.95% 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. |
Telephone Access by telephone. Postal access Apply for this product by completing the application form online and returning it to our investments team by post. |
Additional Permitted Subscriptions (APS) ISA | ||||||||||||||||||||||||||||
| Easy Saver ISA | £1 |
up to 0.95% AER up to 0.95% Gross i
Interest is variable and paid annually (calculated to 5 April and paid on 6 April each year). |
No | Unlimited withdrawals. |
Access through our branch network You can access this product through our branch network. To locate your nearest find our branch finder Telephone Access by telephone. Postal access Apply for this product by completing the application form online and returning it to our investments team by post. |
Easy Saver ISA | ||||||||||||||||||||||||||||
| Help to Buy: ISA | £1 |
up to 2.25% AER up to 2.25% Gross i
Interest is variable and paid annually (calculated to 5 April and paid on 6 April each year). There is no monthly interest option. |
No | Withdrawals can be made at any time but these funds will not qualify for a bonus. |
Access through our branch network You can access this product through our branch network. To locate your nearest find our branch finder |
Help to Buy: ISA | ||||||||||||||||||||||||||||
| Minimum to open | Annual Interest Rate | Bonus | Withdrawal Conditions | Account Access | ||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Direct Limited Access Saver (Issue 3) | £1000 |
up to 1.00% AER up to 1.00% 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. |
Telephone Access by telephone. Postal access Apply for this product by completing the application form online and returning it to our investments team by post. |
Direct Limited Access Saver (Issue 3) | ||||||||||||||||||||||
| Direct Tracker Saver Account | £1000 |
up to 0.50% AER up to 0.50% 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 | Limited Access - 6 withdrawals allowed each account year. |
Telephone Access by telephone. Postal access Apply for this product by completing the application form online and returning it to our investments team by post. |
Direct Tracker Saver Account | ||||||||||||||||||||||
| Limited Access Saver (Issue 2) | £1 |
up to 1.00% AER up to 1.00% 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). |
Access through our branch network You can access this product through our branch network. To locate your nearest find our branch finder |
Limited Access Saver (Issue 2) | ||||||||||||||||||||||
| Minimum to open | Annual Interest Rate | Bonus | Withdrawal Conditions | Account Access | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 Year Fixed Rate Bond | £1000 |
1.15% AER 1.15% Gross i
Interest is fixed and paid annually on 31 August (starting from 31 August 2020) 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. |
Access through our branch network You can access this product through our branch network. To locate your nearest find our branch finder |
1 Year Fixed Rate Bond | ||||||||||||||||
| 2 Year Fixed Rate Bond | £1000 |
1.20% AER 1.20% Gross i
Interest is fixed and paid annually on 31 August (starting from 31 August 2020) 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. |
Access through our branch network You can access this product through our branch network. To locate your nearest find our branch finder |
2 Year Fixed Rate Bond | ||||||||||||||||
| 3 Year Fixed Rate Bond | £1000 |
1.40% AER 1.40% Gross i
Interest is fixed and paid annually on 31 August (starting from 31 August 2020) 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. |
Access through our branch network You can access this product through our branch network. To locate your nearest find our branch finder |
3 Year Fixed Rate Bond | ||||||||||||||||
| Minimum to open | Annual Interest Rate | Bonus | Withdrawal Conditions | Account Access | ||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Access Regular Saver | £20 |
up to 1.20% AER up to 1.20% 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. |
Access through our branch network You can access this product through our branch network. To locate your nearest find our branch finder Telephone Access by telephone. Postal access Apply for this product by completing the application form online and returning it to our investments team 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. |
Access through our branch network You can access this product through our branch network. To locate your nearest find our branch finder |
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. |
Access through our branch network You can access this product through our branch network. To locate your nearest find our branch finder |
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. |
Access through our branch network You can access this product through our branch network. To locate your nearest find our branch finder |
Children's Fixed Rate Regular Saver (Issue 4) | ||||||||||||||||||||||
| Children's West Brom Access Account | £1 |
up to 1.15% AER up to 1.15% Gross i
Interest is variable and paid annually on 31 March. |
No | Up to 6 withdrawals each account year without charge or notice. |
Access through our branch network You can access this product through our branch network. To locate your nearest find our branch finder |
Children's West Brom Access Account | ||||||||||||||||||||||
| Minimum to open | Annual Interest Rate | Bonus | Withdrawal Conditions | Account Access | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 7 Day Corporate Deposit Notice Account (Issue 2) | £10000 |
up to 0.05% AER up to 0.05% 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. |
Telephone Access by telephone. Postal access Apply for this product by completing the application form online and returning it to our investments team by post. |
7 Day Corporate Deposit Notice Account (Issue 2) | ||||||||||||||||
| 7 Day Notice Credit Union Deposit Account | £10000 |
up to 0.05% AER up to 0.05% 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. |
Telephone Access by telephone. Postal access Apply for this product by completing the application form online and returning it to our investments team 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 0.35% AER up to 0.35% 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). |
Access through our branch network You can access this product through our branch network. To locate your nearest find our branch finder |
Albion Advantage Account | ||||||||||||||||
| Amber Blue Saver Account | £25 |
up to 0.35% AER up to 0.35% 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). |
Access through our branch network You can access this product through our branch network. To locate your nearest find our branch finder |
Amber Blue Saver Account | ||||||||||||||||
| Base Rate Tracker Account | £500 |
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 | 4 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. |
Access through our branch network You can access this product through our branch network. To locate your nearest find our branch finder |
Base Rate Tracker Account | ||||||||||||||||
| Community Account | £25 |
up to 0.35% AER up to 0.35% 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). |
Access through our branch network You can access this product through our branch network. To locate your nearest find our branch finder |
Community Account | ||||||||||||||||
| Oak Savings Account | £10 |
up to 0.25% AER up to 0.25% 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 | Easy Access - no limit on withdrawals. |
Access through our branch network You can access this product through our branch network. To locate your nearest find our branch finder |
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). |
Access through our branch network You can access this product through our branch network. To locate your nearest find our branch finder |
Premium Share Account | ||||||||||||||||
| Red Balloon Appeal Account | £25 |
up to 0.35% AER up to 0.35% 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). |
Access through our branch network You can access this product through our branch network. To locate your nearest find our branch finder Telephone Access by telephone. Postal access Apply for this product by completing the application form online and returning it to our investments team by post. |
Red Balloon Appeal Account | ||||||||||||||||
| Saddlers Super Saver Account | £25 |
up to 0.35% AER up to 0.35% 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). |
Access through our branch network You can access this product through our branch network. To locate your nearest find our branch finder |
Saddlers Super Saver Account | ||||||||||||||||
