Banking and Savings Accounts Interest Rates for accounts no longer available to be opened

Accounts listed in this document are not available for new account opening and the information provided is for the benefit of existing customers. You may wish to consider our current interest rates for new accounts, details of which are available on request and at www.santanderinternational.co.uk. 

Savings Accounts

Island Call Account 

The Call Account requires no notice for making withdrawals and offers unlimited access to your money, in Sterling, Euro or US dollar currencies. Interest is credited quarterly.

Sterling – Interest rates are effective from 20 March 2020

Euro – Interest rates are effective from 01 September 2022

US dollar – Interest rates are effective from 20 March 2020

Call Account 

The Call Account requires no notice for making withdrawals and offers unlimited access to your money, in Sterling, Euro or US dollar currencies. Interest is credited quarterly.

Sterling – Interest rates are effective from 01 June 2016

Euro – Interest rates are effective from 22 August 2022

US dollar – Interest rates are effective from 19 June 2017

Base Rate Tracker Account

These savings accounts were previously offered to customers of our Jersey branch and pay an interest rate linked to the UK Bank of England Base Rate and they require either 90 or 180 days’ notice.

Interest rates are effective from 19 December 2025

Base Rate Tracker 90

90 days’ notice required for withdrawals without penalty.

Minimum balance requirement: £50,000

Base Rate Tracker 180

180 days’ notice required for withdrawals without penalty.

Minimum balance requirement: £50,000

Island Regular Savings Tracker Account (Issue 1)

The Regular Savings Tracker Account (Issue 1) was previously offered in Sterling only and allowed monthly deposits of a minimum £25 and up to a maximum of £500 for a period of 12 months. No notice is required
for withdrawals. The interest rate is linked to the UK Bank of England Base Rate and will change the next working day after the Bank of England’s announcement. At the end of the 12 month term, the capital and interest is paid into the Gold Account

Sterling – Interest rates are effective from 19 December 2025

Island Regular Savings Tracker Account (Issue 2)

The Regular Savings Tracker Account is available in Sterling only and allows monthly deposits of a minimum £25 and up to a maximum of £500 for a period of 12 months. No notice is required for withdrawals. The interest rate is linked to the UK Bank of England Base Rate and will change the next working day after the Bank of England’s announcement. At the end of the 12 month term, the capital and interest is paid into the Gold Account.

Sterling – Interest rates are effective from 19 December 2025

Island Regular Savings Tracker Account – Young Savers (Issue 1)

The Regular Savings Tracker Account is available in Sterling and only to Young Savers between the ages of 16 to 21 years of age. It allows monthly deposits of a minimum £25 and up to a maximum of £500 for a period of 12 months. No notice is required for withdrawals but a cashback amount will be eligible if no withdrawals are made. The interest rate is linked to the UK Bank of England Base Rate and will change the next working day after the Bank of England’s announcement. At the end of the 12 month term, the capital and interest, and any cashback amount for no withdrawals in the term, is paid into the Gold Account.

Sterling – Interest rates are effective from 19 December 2025

Island Regular Saver Account (Issue 1)

The Island Regular Saver Account is available in Sterling only and allows monthly deposits of a minimum of £25 and up to a maximum of £1000 for a period of 12 months. No notice is required for withdrawals. The interest rate for this account is fixed and will not change during the 12 month term of the account. At the end of the 12 month term, the capital and interest is paid into the Gold Account.

Sterling – Interest rates are effective from 20 June 2025

Island Regular Saver Account (Issue 2)

The Island Regular Saver Account is available in Sterling only and allows monthly deposits of a minimum of £25 and up to a maximum of £1000 for a period of 12 months. No notice is required for withdrawals. The interest rate for this account is fixed and will not change during the 12 month term of the account. At the end of the 12 month term, the capital and interest is paid into the Gold Account.

Sterling – Interest rates are effective from 22 December 2025

Notice Accounts

A variable rate savings account that was previously offered by our Jersey branch and which requires written notice for any withdrawals.

Notice 90

90 days’ notice is required for withdrawals without penalty. Interest rates are effective from 20 March 2013

Minimum balance requirement: £5,000

Notice 180

180 days’ notice is required for withdrawals without penalty. Interest rates are effective from 20 March 2013

Minimum balance requirement: £5,000

Premium Notice Account

Interest rates are effective from 01 February 2021

120 Day Premium Notice Account

120 days’ notice is required for withdrawal. 

Minimum balance requirement: £25,000

180 Day Premium Notice Account

180 days’ notice is required for withdrawal. 

Minimum balance requirement: £25,000

Rate for Life Account

This is a Sterling savings account offering a variable interest rate with the benefit of easy access to your funds. This account was made available to our Isle of Man branch customers who transferred from a Rate for Life IOM account. Balances of £1,000 or above will pay 0.25% above the Bank of England Base Rate for life and will change within 30 days of a change in the Bank of England Base Rate.

Interest rates are effective from 19 December 2025

Young Saver Account

This is a Sterling savings account offering a variable interest rate with the benefit of easy access to your funds. This account was made available to our Isle of Man branch customers who transferred from an Flexible Saver for Kids IOM and/or Young Saver IOM account. When the child reaches age 18, this account will be transferred to a Call Account.

Interest rates are effective from 26 January 2026

Interest rates may vary. AER stands for Annual Equivalent Rate and shows what the interest rate would be if we paid interest and added it to your account each year. The gross rate is the rate payable where interest is paid without the deduction of tax. If a negative interest rate applies to your account, this will be calculated on the same basis as credit interest.

Santander International is the trading name of Santander Financial Services plc, Jersey Branch and Santander Financial Services plc, Isle of Man Branch. 

Santander Financial Services plc is incorporated in England and Wales with number 2338548 and its registered office is 2 Triton Square, Regent’s Place, London NW1 3AN, United Kingdom. Santander Financial Services plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Santander Financial Services plc’s Financial Services Register number is 146003. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register. Santander Financial Services plc, Jersey Branch has its principal place of business at 13-15 Charing Cross, St Helier, Jersey JE2 3RP, Channel Islands and is regulated by the Jersey Financial Services Commission. Santander Financial Services plc, Isle of Man Branch has its principal place of business at 19 - 21 Prospect Hill, Douglas, Isle of Man, IM1 1ET and is regulated by the Isle of Man Financial Services Authority.  www.santanderinternational.co.uk

All accounts opened with Santander Financial Services plc, Jersey Branch have situs in Jersey and therefore are not covered by the Financial Services Compensation Scheme established under the UK Financial Services and Markets Act 2000 or by the Isle of Man Depositors’ Compensation Scheme. Santander Financial Services plc, Jersey Branch is a participant in the Jersey Bank Depositors Compensation Scheme (the Scheme). The Scheme aims to provide protection for eligible depositors of up to £50,000. For further information about the Scheme and to understand your eligibility, please refer to www.jrdca.org.je/jdcs.  

All accounts opened with Santander Financial Services plc, Isle of Man Branch have situs in the Isle of Man and therefore eligible deposits are covered by the Isle of Man Depositors’ Compensation Scheme as set out in the Isle of Man Depositors’ Compensation Scheme Regulations 2010 and not covered by the UK Financial Services Compensation Scheme or by the Jersey Bank Depositors Compensation Scheme. Full details of the Scheme and banking groups covered are available at the Isle of Man regulator’s website, www.iomfsa.im/consumers, or on request.

Santander and the flame logo are registered trademarks. The latest audited accounts are available upon request. Calls to Santander International are recorded and may be monitored for security and training purposes.