We try to make everything as clear as possible, but sometimes it just isn’t. That’s why we’ve listed some of our most commonly asked questions with answers.

When you save with HTB you have the added peace of mind that comes from knowing your money is protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme.

Any deposits you hold above the FSCS compensation limit are unlikely to be covered, unless under specific circumstances, as determined by the FSCS.

AER

AER means Annual Equivalent Rate, which illustrates what the interest would be if it was compounded annually. We quote the AER on all of our accounts so that you can compare our products with other banks.

Gross

Gross is the interest rate without the deduction of income tax. This is the interest paid on your account.

Variable

Variable means that the rate could change across the time that your money is in your account, with given notice.

Notice

Notice is the designated number of days that you are requested to give notice before you can access the money in your account.