95 Day Notice Tracker Account
Tracks the Bank of England Base Rate. Access with notice.
3.80 % AER*
3.75 % gross pa
Please read the Terms & Conditions before applying
* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded on an annual basis.
We’re proud of the service we give our customers
Pros and cons
- Usually higher interest than easy-access accounts
- Manage your account online or via the app
- No instant access to your money
- 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This account has limited availability and can be withdrawn at any time.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.
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 customer service
- Recognised as being 'Easy to Open' by Moneyfacts
- Friendly, UK-based call centre
- Listed on the London Stock Exchange since 2011
- Well-capitalised and profitable
- Customer deposits protected by the FSCS
Key features
- Variable Rate Notice Account
- Interest rate tracks the Bank of England Base Rate plus a Premium over Base Rate of 0.05%
- Account can be managed by Internet Banking, app or phone
- Minimum £1 deposit must be made within 30 days of opening the account
- Minimum £1 operating balance
- Minimum £1 for each deposit
- Electronic payments only; cheques not accepted
- Maximum £1,000,000 account balance (excluding credit interest)
- Maximum £1,000,000 aggregate balance across all accounts held (excluding credit interest)
- Unlimited withdrawals can be made to your Nominated Account where notice is given
- Interest paid quarterly into a Nominated Account or credited to this account
- Statements issued quarterly
- Statements are provided via Internet Banking, with the ability to download and print or the option to change to paper if required
Summary
95 Day Notice Tracker Account (Issue 1)
3.80% AER* / 3.75% gross
This is the sum of the Bank of England Base Rate (3.75%) and the Premium over Base Rate (0.05%).
The interest rate automatically tracks the Bank of England Base Rate, which you can access at any time on the Bank of England website.
Interest is calculated daily and applied on 31 March, 30 June, 30 September and 31 December. You can choose to have your interest added to your Notice Account or paid away to your Nominated Account.
Yes, we can vary your interest rate in the following circumstances:
- Bank of England Base Rate change: If there is an increase or a decrease in the Bank of England Base Rate, the rate will be reflected on your Account within five Business Days following the Bank of England Base Rate change.
- Premium over Base Rate change: If we reduce the Premium over Base Rate, we will notify you at least 109 days before the change is effective (95 days’ notice period plus 14 days’ notice). If we increase the Premium over Base Rate, we can do this immediately without having to tell you in advance.
Please see clause 13 of the General Terms and Conditions for more information.
Your estimated balance would be £1,038.00 based on a deposit of £1,000 after 12 months
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
- The Bank of England Base Rate does not change from the current rate of 3.75% (as of 30 April 2026)
- The Premium over Base Rate does not change
To open an account you must:
- Be 18 or over
- Reside in the UK
- Have a minimum deposit of £1
The minimum operating balance is £1, and the maximum aggregate balance across all accounts held is £1,000,000 (excluding credit interest).
How to open the account and pay in:
- You must apply for the product online via the application link (if applying as Power of Attorney, please call Customer Services)
- 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
- The account must be funded with the initial minimum deposit within 30 days of opening the account, or the account will close
- If you are looking to transfer the balance of an existing Secure Trust Bank Notice Account to this account, you must serve the notice period required
How to manage the account:
Accounts are managed by Internet Banking, app or phone.
Statements are provided via Internet Banking, with the ability to download and print or the option to change to paper if required.
We do not provide Internet Banking for a Power of Attorney or Third Party.
95 days' notice is required for a withdrawal. You cannot withdraw your funds earlier than this.
Any interest earned will be paid gross; we will not deduct tax from interest accrued on your savings. Please consider your Personal Savings Allowance as to whether you need to pay tax on the interest earned.
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.