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Access Account

Variable rate of interest
earn 2.25% AER*
2.23% gross pa

Trouble completing the online application

If you're having difficulty completing our online application, please call 0330 303 0090. One of our friendly team will take details of your application over the phone.

Our opening times are as follows:

Monday to Friday 9am to 5pm
Saturday 9am to 1pm
We're closed on Sundays and Bank Holidays

Before you call

Please make sure you've read the following:

When you call

To apply for an account, we will need:

  • Details of a UK current account in your name to use as your Nominated Account. This will be the account you use to make payments in and out of this account. It's important that it uses an identical account number and sort code for money paid in and out
  • Your UK address and postcode - we'll need these details for the last three years
  • Your email address
  • Your phone number

Pros and cons

  • Access your money without notice
  • Manage your account online
  • Maximum deposit of £85,000
  • Interest rate is variable - could increase or decrease

This account has limited availability and can be withdrawn at any time. 

To apply for an account, you must have a UK current account in your name to use as your Nominated Account.

This will be the account you use to make payments in and out of this account, so it's important that your Nominated Account uses an identical account number and sort code for money in and money out.

Key features

  • Unlimited withdrawals with no notice; minimum operating balance £1,000
  • Minimum £1,000 initial deposit
  • Minimum £1,000 for each subsequent deposit
  • Maximum £85,000 balance
  • Maximum aggregate balance across all accounts held for Personal Customers is £1,000,000
  • Interest paid monthly
  • Interest paid into a Nominated Account or credited to this account
  • Statements will be issued quarterly
  • Account can be managed by Internet Banking or by phone
  • Minimum deposit must be made within 30 days of opening the account
  • Statements are provided via Internet Banking, with the ability to download and print or the option to change to paper if required.

Why choose Secure Trust Bank?

You want a financial services provider you can trust. To help you make an informed decision, here's some of the reasons why Secure Trust Bank may be the right place for you and your money:

  • Award winning products and customer service
  • Friendly, UK-based call centre
  • Listed on the London Stock Exchange since 2011
  • Well-capitalised and profitable
  • Customer deposits protected by the FSCS

Find out more

Certified savings champions

We're proud winners of multiple awards, including Best Savings Provider.

sc winner bond sc com long bond

See all our awards

Summary

Access Account (30.Sep.22)

2.25% AER* / 2.23% gross pa

Interest is calculated daily and applied at the end of each month. You can choose to have your interest added to your account or paid away to your Nominated Account.

Yes, we can vary your interest rate. We will notify you as per your Terms and Conditions - please see clause 13 of the General Terms and Conditions for more information.

Your estimated balance would be £1,022.50 after 12 months based on a deposit of £1,000.

This is for illustrative purposes only, does not take into account individual circumstances and makes the following assumptions:

  • Your initial deposit is paid into the Account when it is opened
  • No further deposits are made
  • No withdrawals are made

To open an account you must:

  • Be 18 or over
  • Reside in the UK
  • Have a minimum deposit of £1,000
  • Have a maximum deposit of £85,000

The minimum operating balance for personal accounts is £1,000, and the maximum balance for the account, excluding credit interest applied to the account, is £85,000. The maximum aggregate balance across all accounts held is £1,000,000. 

How to open the account and pay in:

  • You must apply for the product online via the application link
  • Deposits must be from your Nominated Account by electronic payment; cheques are not accepted
  • If we cannot electronically verify that funds have been sent from an account in your name, they will be returned
  • Each deposit into the account must be a minimum of £1,000
  • This account is only available to personal customers

How to manage the account:

Accounts are managed by Internet Banking or telephone on 0345 111 7092.

Statements are provided via Internet Banking, with the ability to download and print or the option to change to paper if required.

Please note that your new account must be funded with the initial minimum deposit within 30 days of opening the account, or the account will close.

Yes, you can make unlimited withdrawals to your Nominated Account. You can do this via Internet Banking or calling our Customer Service team.

Withdrawals can be made without providing notice. Instructions received by 2pm will be processed on the same business day. Instructions received after 2pm or on a non-business day will be processed on the next business day.

Any interest earned will be paid gross; we will not deduct tax from interest accrued on your savings. Tax treatment may be subject to change in the future. For more information, please visit HMRC at www.gov.uk

This is a strictly limited issue and can be withdrawn at any time. We will not contact you to let you know when the account is withdrawn.

The following services are subject to a charge:

  • Duplicate statement £5 / item
  • Payment requested by CHAPS £20 / item
  • BACS recall £30 / item
  • BACS trace £15 / item

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded on an annual basis.

Secure Trust Bank PLC. Registered in England and Wales 541132. Registered Office: One Arleston Way, Solihull, B90 4LH.
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our registration number is 204550

All communications with us will be monitored/recorded to improve the quality of our service and for your protection and security.