Features & benefits
Variable rate savings account which requires written notice for any withdrawals
Available in Sterling, Euro and US dollar currencies
A choice of notice periods to choose from: 31 Days and 95 Days
Interest is paid quarterly
Online, Mobile and Telephone Banking to manage your money
An International Customer Minimum Balance Fee applies to customers residing outside the Channel Islands, Isle of Man, UK, and the Republic of Ireland who do not maintain a minimum balance of £75,000 (or currency equivalent) across our range of products
Key information
- You may only make withdrawals, including closure, providing the required notice period is given
- Notice may be given via Online, Mobile and Telephone Banking, visiting our branch or in writing
- Your money will continue to earn interest up to the date of withdrawal
- Cheque books or debit cards are not available
- Standing orders and direct debits are not permitted
- Please refer to the General Terms and Conditions for Notice Accounts
Interest rates for Channel Island and Isle of Man residents
Island 31 Day Notice Account - Sterling
31 days' notice is required for withdrawal. The minimum balance requirement is £25,000.
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) |
| £25,000 - £74,999 | 0.10% | 0.10% |
| £75,000 - £999,999 | 0.75% | 0.75% |
| £1,000,000 + | Please contact us | Please contact us |
Island 31 Day Notice Account - Euro
31 days' notice is required for withdrawal. The minimum balance requirement is €25,000.
Interest rates are effective from 31 October 2025
| Minimum balance to earn interest rate | Gross rate p.a. (variable) interest paid quarterly | Annual Equivalent Rate (AER) (variable) |
| €25,000 - €74,999 | 0.00% | 0.00% |
| €75,000 - €999,999 | 0.65% | 0.65% |
| €1,000,000 + | Please contact us | Please contact us |
Island 31 Day Notice Account - US dollar
31 days' notice is required for withdrawal. The minimum balance requirement is $25,000.
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) |
| $25,000 - $74,999 | 0.10% | 0.10% |
| $75,000 - $999,999 | 0.50% | 0.50% |
| $1,000,000 + | Please contact us | Please contact us |
Island 95 Day Notice Account - Sterling
95 days' notice is required for withdrawal. The minimum balance requirement is £25,000.
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) |
| £25,000 - £74,999 | 0.15% | 0.15% |
| £75,000 - £999,999 | 1.30% | 1.30% |
| £1,000,000 + | Please contact us | Please contact us |
Island 95 Day Notice Account - Euro
95 days' notice is required for withdrawal. The minimum balance requirement is €25,000.
Interest rates are effective from 31 October 2025
| Minimum balance to earn interest rate | Gross rate p.a. (variable) interest paid quarterly | Annual Equivalent Rate (AER) (variable) |
| €25,000 - €74,999 | 0.00% | 0.00% |
| €75,000 - €999,999 | 0.95% | 0.95% |
| €1,000,000 + | Please contact us | Please contact us |
Island 95 Day Notice Account - US dollar
95 days' notice is required for withdrawal. The minimum balance requirement is $25,000.
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) |
| $25,000 - $74,999 | 0.15% | 0.15% |
| $75,000 - $999,999 | 0.85% | 0.85% |
| $1,000,000 + | Please contact us | Please contact us |
Interest rates
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.
Interest rates for international customers
31 Day Notice Account - Sterling
31 days' notice is required for withdrawal. The minimum balance requirement is £25,000.
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) |
| £25,000 - £74,999 | 0.10% | 0.10% |
| £75,000 - £999,999 | 0.75% | 0.75% |
| £1,000,000 + | Please contact us | Please contact us |
31 Day Notice Account - Euro
31 days' notice is required for withdrawal. The minimum balance requirement is €25,000.
Interest rates are effective from 31 October 2025
| Minimum balance to earn interest rate | Gross rate p.a. (variable) interest paid quarterly | Annual Equivalent Rate (AER) (variable) |
| €25,000 - €74,999 | 0.00% | 0.00% |
| €75,000 - €999,99 | 0.65% | 0.65% |
| €1,000,000 + | Please contact us | Please contact us |
31 Day Notice Account - US dollar
31 days' notice is required for withdrawal. The minimum balance requirement is $25,000.
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) |
| $25,000 - $74,999 | 0.10% | 0.10% |
| $75,000 - $999,999 | 0.50% | 0.50% |
| $1,000,000+ | Please contact us | Please contact us |
95 Day Notice Account - Sterling
95 days' notice is required for withdrawal. The minimum balance requirement is £25,000.
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) |
| £25,000 - £74,999 | 0.15% | 0.15% |
| £75,000 - £999,999 | 1.30% | 1.31% |
| £1,000,000 + | Please contact us | Please contact us |
95 Day Notice Account - Euro
95 days' notice is required for withdrawal. The minimum balance requirement is €25,000.
Interest rates are effective from 31 October 2025
| Minimum balance to earn interest rate | Gross rate p.a. (variable) interest paid quarterly | Annual Equivalent Rate (AER) (variable) |
| €25,000 - €74,999 | 0.00% | 0.00% |
| €75,000 - €999,999 | 0.95% | 0.95% |
| €1,000,000 + | Please contact us | Please contact us |
95 Day Notice Account for - US dollar
95 days' notice is required for withdrawal. The minimum balance requirement is $25,000.
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) |
| $25,000 - $74,999 | 0.10% | 0.10% |
| $75,000 - $999,999 | 0.85% | 0.85% |
| $1,000,000+ | Please contact us | Please contact us |
Interest rates
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.
Ways to apply
In branch
Online
Post
Phone
In branch
Jersey
Santander Work Café
13-15 Charing Cross
St Helier,
Jersey
JE2 3RP
Channel Islands
View on Google Maps
Isle of Man
Santander Work Café
Market Hall,
North Quay
Douglas,
Isle of Man,
IM1 2BQ
View on Google Maps
Phone
Call us on 08000 84 28 88, if calling from a UK landline or mobile, or +44 (0) 1624 641 888, if calling from overseas
Lines are open 9am – 5pm UK time, Monday to Friday (except Wednesday when we open at 9.30am)
Our other products
Frequently asked questions
What is a Notice Account?
The Notice Account is a variable rate savings account requiring written notice (31 or 95 days) before withdrawals. Interest is paid quarterly, and your savings continue to earn interest until the withdrawal date.
What currencies can the Notice Account be held in?
The Notice Account is available in Sterling (GBP), Euro (EUR) and US dollar (USD) currencies, and offers two notice periods.
What is the minimum balance for a Notice Account?
A minimum of £25,000 (or currency equivalent) is required to open and earn interest.
Can I withdraw money from my Notice Account and how do I give notice to withdraw funds?
You can withdraw money from your Notice Account but you must give the required notice depending on your account type. Withdrawals must be requested in writing or via Mobile Banking, Online Banking or Telephone Banking.
Are there any fees for international customers?
International customers (anyone residing outside the Channel Islands, Isle of Man, UK and the Republic of Ireland) will be charged a fee of £40 per month (or currency equivalent) if the minimum balance of £75,000 (or currency equivalent) is not maintained.
How is interest calculated and paid on the Notice Account?
Interest is calculated based on the account balance and paid quarterly, continuing to accrue until the withdrawal date.
What charges apply to the Notice Account?
The Notice Account does not have any associated charges. However, some charges may apply for other services. Please view our Charges leaflet for full details
Charges for Banking and Savings Accounts
