Banking and Savings Accounts Interest Rates for customers of Santander Private Banking
Effective from 02 April 2026
Banking Accounts
Gold Account
The Gold Account is a flexible bank account that offers tiered interest rates and easy access to your money. It can be held in Sterling, Euro and US dollar currencies and is accompanied by a Gold Visa debit card.
Sterling – Interest rates are effective from 26 January 2026
| Minimum balance to earn interest rate | Gross rate p.a. (variable) Interest paid quarterly |
Annual Equivalent Rate (AER) (variable) |
| £0 – £74,999 | 1.75% | 1.76% |
| £75,000 – £999,999 | 1.75% | 1.76% |
| £1,000,000+ | Please contact us | |
Euro – Interest rates are effective from 22 August 2022
| Minimum balance to earn interest rate | Gross rate p.a. (variable) Interest paid quarterly |
Annual Equivalent Rate (AER) (variable) |
| €0 – €74,999 | 0.00% | 0.00% |
| €75,000-€999,999 | 0.00% | 0.00% |
| €1,000,000+ | Please contact us | |
US dollar – Interest rates are effective from 02 August 2024
| Minimum balance to earn interest rate | Gross rate p.a. (variable) Interest paid quarterly |
Annual Equivalent Rate (AER) (variable) |
| $0 – $74,999 | 0.50% | 0.50% |
| $75,000 – $999,999 | 0.50% | 0.50% |
| $1,000,000+ | Please contact us | |
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.
Savings Accounts
Notice Account
A variable rate savings account which requires written notice for any withdrawals. Available in Sterling, Euro and US dollar currencies with a range of notice periods to choose from. Interest is paid quarterly.
31 Day Notice Account
Sterling – 31 days’ notice is required for withdrawal. Interest rates are effective from 26 January 2026
Minimum opening balance: £75,000
| Minimum balance to earn interest rate | Gross rate p.a. (variable) Interest paid quarterly |
Annual Equivalent Rate (AER) (variable) |
| £75,000 + | 0.95% | 0.95% |
Euro – 31 days’ notice is required for withdrawal. Interest rates are effective from 31 October 2025
Minimum opening balance: €75,000
| Minimum balance to earn interest rate | Gross rate p.a. (variable) Interest paid quarterly |
Annual Equivalent Rate (AER) (variable) |
| €75,000 + | 0.90% | 0.90% |
US dollar – 31 days’ notice is required for withdrawal. Interest rates are effective from 26 January 2026
Minimum opening balance: $75,000
| Minimum balance to earn interest rate | Gross rate p.a. (variable) Interest paid quarterly |
Annual Equivalent Rate (AER) (variable) |
| $75,000 + | 0.85% | 0.85% |
95 Day Notice Account
Sterling – 95 days’ notice is required for withdrawal. Interest rates are effective from 02 April 2026
Minimum opening balance: £75,000
| Minimum balance to earn interest rate | Gross rate p.a. (variable) Interest paid quarterly |
Annual Equivalent Rate (AER) (variable) |
| £75,000 + | 3.50% | 3.55% |
Euro – 95 days’ notice is required for withdrawal. Interest rates are effective from 31 October 2025
Minimum opening balance: €75,000
| Minimum balance to earn interest rate | Gross rate p.a. (variable) Interest paid quarterly |
Annual Equivalent Rate (AER) (variable) |
| €75,000 + | 1.20% | 1.21% |
US dollar – 95 days’ notice is required for withdrawal. Interest rates are effective from 02 April 2026
Minimum opening balance: $75,000
| Minimum balance to earn interest rate | Gross rate p.a. (variable) Interest paid quarterly |
Annual Equivalent Rate (AER) (variable) |
| $75,000 + | 3.00% | 3.03% |
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.
Fixed Deposit Contracts
Fixed Deposit Contracts allow you to fix your money at an agreed interest rate for a set period of time. Please note withdrawals are not permitted on our Fixed Deposit Contracts before maturity. Your initial deposit and interest will be paid into a Gold Account which we will automatically open for you.
The Fixed Deposit Contracts are available in Sterling, Euro and US dollars. Interest will be paid on maturity.
3 Month Fixed Deposit Contract
Interest is paid on maturity.
Sterling – Interest rates are effective from 02 April 2026
Minimum opening balance: £75,000
| Minimum balance to earn interest rate | Gross rate | Annual Equivalent Rate (AER) |
| £75,000 + | 3.60% | 3.60% |
US dollar – Interest rates are effective from 22 December 2025
Minimum opening balance: $75,000
| Minimum balance to earn interest rate | Gross rate p.a. | Annual Equivalent Rate (AER) |
| $75,000 + | 3.25% | 3.25% |
6 Month Fixed Deposit Contract
Interest is paid on maturity.
Sterling – Interest rates are effective from 02 April 2026
Minimum opening balance: £75,000
| Minimum balance to earn interest rate | Gross rate | Annual Equivalent Rate (AER) |
| £75,000 + | 3.85% | 3.85% |
US dollar – Interest rates are effective from 22 December 2025
Minimum opening balance: $75,000
| Minimum balance to earn interest rate | Gross rate p.a. | Annual Equivalent Rate (AER) |
| $75,000 + | 3.25% | 3.25% |
12 Month Fixed Deposit Contract
Interest is paid on maturity.
Sterling – Interest rates are effective from 02 April 2026
Minimum opening balance: £75,000
| Minimum balance to earn interest rate | Gross rate | Annual Equivalent Rate (AER) |
| £75,000 – £999,999 | 3.90% | 3.90% |
| £1,000,000 – £2,999,999 | 3.95% | 3.95% |
| £3,000,000 + | 4.00% | 4.00% |
Euro – Interest rates are effective from 02 April 2026
Minimum opening balance: €75,000
| Minimum balance to earn interest rate | Gross rate | Annual Equivalent Rate (AER) |
| €75,000 – €999,999 | 1.90% | 1.90% |
| €1,000,000 + | 2.00% | 2.00% |
US dollar – Interest rates are effective from 02 April 2026
Minimum opening balance: $75,000
| Minimum balance to earn interest rate | Gross rate | Annual Equivalent Rate (AER) |
| $75,000 + | 3.35% | 3.35% |
18 Month Fixed Deposit Contract
Interest is paid on maturity.
Sterling – Interest rates are effective from 02 April 2026
Minimum opening balance: £75,000
| Minimum balance to earn interest rate | Gross rate | Annual Equivalent Rate (AER) |
| £75,000 – £2,999,999 | 3.95% | 3.95% |
| £3,000,000 + | 4.00% | 4.00% |
Euro – Interest rates are effective from 02 April 2026
Minimum opening balance: €75,000
| Minimum balance to earn interest rate | Gross rate | Annual Equivalent Rate (AER) |
| €75,000 + | 2.05% | 2.05% |
US dollar – Interest rates are effective from 02 April 2026
Minimum opening balance: $75,000
| Minimum balance to earn interest rate | Gross rate | Annual Equivalent Rate (AER) |
| $75,000 + | 3.35% | 3.35% |
24 Month Fixed Deposit Contract
Interest is paid on maturity.
Sterling – Interest rates are effective from 02 April 2026
Minimum opening balance: £75,000
| Minimum balance to earn interest rate | Gross rate | Annual Equivalent Rate (AER) |
| £75,000 + | 4.00% | 4.00% |
Euro – Interest rates are effective from 02 April 2026
Minimum opening balance: €75,000
| Minimum balance to earn interest rate | Gross rate | Annual Equivalent Rate (AER) |
| €75,000 – €999,999 | 2.05% | 2.05% |
| €1,000,000 + | 2.10% | 2.10% |
US dollar – Interest rates are effective from 02 April 2026
Minimum opening balance: $75,000
| Minimum balance to earn interest rate | Gross rate | Annual Equivalent Rate (AER) |
| $75,000 – $999,999 | 3.25% | 3.25% |
| $1,000,000 + | 3.35% | 3.35% |
5 Year Fixed Deposit Contract
Interest is paid on maturity.
Sterling – Interest rates are effective from 02 April 2026
| Minimum balance to earn interest rate | Gross rate | Annual Equivalent Rate (AER) |
| £75,000 | 4.00% | 4.00% |
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.
To find out more
Phone
In branch
Write to us
Phone
Calling from a UK landline or mobile
Call us on 08000 84 28 88 (free of charge)
Calling from overseas
Call us on +44 (0) 1624 641 888
Lines are open 9am – 5pm UK time, Monday to Friday (except Wednesday when we open at 9.30am)
In branch
Jersey
Santander Work Café
13-15 Charing Cross
St Helier,
Jersey
JE2 3RP
Channel Islands
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Isle of Man
Santander Work Café
Market Hall,
North Quay
Douglas,
Isle of Man,
IM1 2BQ
View on Google Maps
Write to us
Santander International
13-15 Charing Cross
St Helier,
Jersey, JE2 3RP
Channel Islands
Santander International
PO Box 123
19-21 Prospect Hill
Douglas
Isle of Man, IM99 1ZZ
British Isles
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.