Accounts for Under 18s Savings Rates

Under 18s Accounts

Product	Balance	AER %	AER* %	Gross p.a.%	Net p.a.%
Smart (Card) Instant access savings account for 0-17 year olds. If you are 11 or over you can apply online. Effective from:01/12/2008	£1 - £2,000,000	3.25	n/a	3.22	2.58	More info Apply now
Cash CTF Cash savings fund open to children born on or after 1 September 2002. Effective from:01/12/2008	£1+	3.60	4.60	4.60	n/a	More info Apply in branch

If you are 16 years of age or over, you may like to consider the following accounts.

Product	Balance	AER %	AER* %	Gross p.a.%	Net p.a.%
Instant Access ISA Tax free instant access passbook account. Effective from:01/12/2008	£1 - £9,999	2.60	n/a	2.60	n/a	More info Apply in branch
	£10,000 - £24,999	2.70	n/a	2.70	n/a
	£25,000+	2.80	n/a	2.80	n/a
e-Savings Instant access online savings account. Effective from:01/12/2008	£1+ - £3,000,000	3.05	n/a	3.05	2.44	More info Apply now
CashBuilder Card Instant access account with cash card. Effective from:01/12/2008	£1 - £9,999	0.10	n/a	0.10	0.08	More info Apply now
	£10,000 - £24,999	0.35	n/a	0.35	0.28
	£25,000 - £49,999	0.65	n/a	0.65	0.52
	£50,000 - £2,000,000	0.95	n/a	0.95	0.76
CashBuilder Book Instant access account with passbook. Effective from:01/12/2008	£1 - £49,999	0.10	n/a	0.10	0.08	More info Apply in branch
	£50,000 - £2,000,000	0.30	n/a	0.30	0.24	More info Apply in branch