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Smart Limited Access

Smart Limited Access is a variable rate savings account for adults looking to save for a child's future, or for a child or young person to save for themselves. Ideal for those who don't need regular access but with the reassurance of one withdrawal per year, before a lower interest rate is applied for the remainder of the account year.

Adults can open this account for a child under the age of 16. Children or young people between the ages of 7 and 18 can open their own account. Start with as little as £1.

Eligibility criteria apply. Additional conditions apply for online applications

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AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
Gross p.a. is the interest rate without tax deducted.
Net p.a. is the interest rate after the deduction of tax.
Tax-free is the contractual rate of interest payable where interest is exempt from income tax.
The tax information provided is based on our understanding of current law and HM Revenue & Customs practice, both of which may change.