Important account information

This page will help you discover a range of information to learn more about your savings account.

If you don’t find the answers on any of the pages below, try exploring our Existing Savings Customers page or Savings FAQs. If you need further assistance get in touch with us.

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ISAs

Learn how to open an ISA account, your options for paying in, our restrictions on fixed-rate ISAs, transferring your ISA to another account within the Society or from a different provider, and more.

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Interest rate history

See interest rate information for all our savings accounts going back to July 2022. Each month’s information sheet includes the accounts being marketed at that time, and accounts that were still in use but no longer actively marketed.

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Frequently asked questions

Can’t find what you’re looking for? Try our FAQs, where we answer all the questions we are most commonly asked. And if you still don’t see what you need, simply contact us and we will be happy to help you.

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Proving your identity

Here, you will find details of our ID requirements when opening an account, what we need if you are under 18, and what special documents we need if you are opening a business, charity or local council account.

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Financial Services Compensation Scheme

The Financial Services Compensation Scheme (FSCS) protects you when financial firms fail. Here you can find out what is covered by the scheme, the limits for individual and joint account holders, and more.

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Savings terms and conditions

Here you can find our general savings terms and conditions and the special conditions that apply to using H&R Online. You can also read our privacy policy, which explains how we protect your personal data.

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Changes to savings accounts

Where we have made changes to our savings accounts, whether to change or simplify key terms and conditions or to reduce the number of different accounts we offer, those changes are recorded here.

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Declarations and consents

When you open a savings account, you sign a Declarations and Consents form. This includes your agreement to the Society’s rules, your permissions, and your marketing preferences. You can see the form you would have signed here.

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Tariff of savings charges

The Society does not charge fees for the normal operation of your savings account, but there are charges for some special administration tasks and requests. You can find details of these special charges here.

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Summary customer privacy notice

We take your privacy very seriously, and follow the General Data Protection Regulation (GDPR) to protect your personal data. How your information is used and protected is explained in our Privacy Notice.

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Children’s privacy notice

This privacy notice applies to young savers under the age of 18, and explains what information we collect from young savers, how we use it, and how that information is protected.

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Confirmation of payee

Confirmation of Payee (CoP) is a security measure introduced in the UK banking system to help prevent fraud and reduce the risk of payments being sent to the wrong account.

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