PERSONAL SAVINGS ACCOUNTS

We offer a range of simple savings products with competitive interest rates to meet the requirements of individual clients and family trusts.

Our savings products include Variable and Fixed rate accounts as well as ISAs with straightforward terms. B&C’s savings accounts are covered by the Financial Services Compensation Scheme such that eligible depositors are entitled to claim compensation of up to £85,000 on their savings. Explore our personal Savings Accounts below or for more information contact our experienced UK savings team on 0808 164 8040 or deposits@bankanclients.com

Link to financial services compensation scheme website

We offer a range of simple savings products with competitive interest rates to meet the requirements of individual clients and family trusts.

Our savings products include Variable and Fixed rate accounts as well as ISAs with straightforward terms. B&C’s savings accounts are covered by the Financial Services Compensation Scheme such that eligible depositors are entitled to claim compensation of up to £85,000 on their savings. Explore our personal Savings Accounts below or for more information contact our experienced UK savings team on 0808 164 8040 or deposits@bankanclients.com

Link to financial services compensation scheme website

Sterling Variable

Interest rate

0.05% on balances below £49,999


0.10% on balances of £50,000 to £249,999


0.25% on balances above £250,000


Interest paid15 October
Estimated balance after 1 year based on £1,000 investment£1,000.50
Minimum opening and ongoing deposit£1
Maximum opening and ongoing deposit£1,000,000

Key Terms Information

Interest paid15 October
Minimum opening deposit£1,000
Maximum opening deposit£1,000,000
Estimated balance after 1 year based on £1,000 investment£1,014.50
Annual Equivalent Rate (AER)1.45%

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Interest paid30 June
Minimum opening and ongoing deposit£1,000
Maximum opening deposit£1,000,000
Estimated balance after 1 year based on £1,000 investment£1,015.00
Annual Equivalent Rate (AER)1.50%

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Interest paid15 April
Minimum opening and ongoing deposit£1,000
Maximum opening deposit£1,000,000
Estimated balance after 1 year based on £1,000 investment£1,016.00
Annual Equivalent Rate (AER)1.60%

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Interest paidInterest you earn on Your Account will be calculated and added to your account 12 months from the date Your Account is opened and will be paid on maturity.
DepositsYou may only make one opening deposit. Additional deposits are not permitted, however you may open more than one account provided the aggregate of your accounts with us does not exceed £1,000,000.
Minimum opening and ongoing deposit£1,000
Maximum opening deposit£1,000,000
Estimated balance at maturity based on £1,000 investment£1,027.09
What happens after maturity We will write to you at least 21 days prior to expiry of the fixed term to obtain your instructions. Unless you instruct otherwise, the funds held in Your Account will roll into another variable fixed term account.
Annual Equivalent Rate (AER)1.80%

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B&C offers a range of savings and deposit products to meet specific requirements. If you are interested in opening an account for a trust – Personal Injury, Interest in Possession, or under a Lasting Power of Attorney - we can provide you with straightforward products and a high level of customer service. Please contact our expert team on 0808 164 8040 or deposits@bankandclients.com for more information and an application.

Sterling Fixed

Interest paidInterest you earn on Your Account will be calculated and added to your account 12 months from the date Your Account is opened and will be paid on maturity.
DepositsYou may only make one opening deposit. Additional deposits are not permitted, however you may open more than one account provided the aggregate of your accounts with us does not exceed £1,000,000.
Minimum opening deposit£1
Maximum opening deposit£1,000,000
Estimated balance at maturity based on £1,000 investment£1,039.38
Withdrawal or Closure Notice PeriodWithdrawals are not permitted until maturity of the fixed term.
What happens after maturity We will write to you at least 21 days prior to expiry of the fixed term to obtain your instructions. Unless you instruct otherwise, the funds held in Your Account will roll into another fixed rate account.
Annual Equivalent Rate (AER)1.95%

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Interest paidInterest you earn on Your Account will be calculated and added to your account annually months from the date Your Account is opened and will be paid on maturity.
DepositsYou may only make one opening deposit. Additional deposits are not permitted, however you may open more than one account provided the aggregate of your accounts with us does not exceed £1,000,000.
Minimum opening deposit£1
Maximum opening deposit£1,000,000
Estimated balance at maturity based on £1,000 investment£1,062.77
Withdrawal or Closure Notice PeriodWithdrawals are not permitted until maturity of the fixed term.
What happens after Maturity We will write to you at least 21 days prior to expiry of the fixed term to obtain your instructions. Unless you instruct otherwise, the funds held in Your Account will roll into another fixed rate account.
Annual Equivalent Rate (AER)2.05%

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ISAs

Term of agreement24 calendar months.
Interest Rate1.55% the Interest rate is fixed and will not change during the term.
DepositsYou may only make one opening deposit. Additional deposits are not permitted.
Minimum opening deposit£1,000.
Maximum opening deposit£1,000,000.
Estimated Balance at maturity based on £1,000 investment£1,031.24.
WithdrawalsWithdrawals or transfers out are allowed subject to 180 days loss of interest.
What Happens at MaturityWe will write to you at least 21 days prior to expiry of the fixed term to obtain your instructions. Unless you instruct otherwise, the funds held in Your Account will automatically roll into an Instant Access Cash ISA.
Instant Access Cash ISAInterest rate 0.1 % variable. Withdrawals permitted at any time without charge or loss of interest.

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CONTACT US

Our savings team are all UK based and available to speak directly to clients during normal working hours. We do not use call centres or make sales calls.

For help to understand our account features and application forms please call 0808 164 8040 or email us: deposits@bankandclients.com