Savings Application

Features & Benefits

• Minimum balance of £1
• Maximum balance of £1,000,000
• Passbook option lets you withdraw up to £500 per day in cash, or larger amounts by cheque
• CashCard option lets you withdraw up to £250 a day and a statement is issued every 25 transactions or 3 months, whichever is sooner
• Can be opened as a joint account
• Interest is paid annually on the first working day after 1st January each year or monthly at the end of each month into an account of your choice
• Instant access to your money with a choice of CashCard or Passbook
• Save whenever it suits you
• The convenient option to save regularly by Direct Debit

Features & Benefits

• Keep your higher interest rate if you make no more than four withdrawals per calendar year.
• Easily transfer money from your savings account via the telephone to a linked current account of your choice.
• Make deposits to your savings account via your banks telephone or internet service, or our postal service.
• Minimum opening balance of £500.
• Maximum balance of £1,000,000.
• Manage your account by visiting a Britannia branch, by post or by telephone.
• Interest is paid annually into this account on the first working day after after the 1 January each year.
• Keep track of your balance with a statement (quarterly or every 25 transactions whichever is sooner).
• Can be opened as a joint account, (by telephone it would need to be linked to a current account held in either one or both of these names).

Features & Benefits

• gives you a variable rate of interest tax-free*
• can be opened with as little as £1
• allows you to make deposits whenever you want - up to the maximum cash ISA limit in a tax year*. The limit for the 2012/2013 tax year is £5,640
• allows you to make withdrawals at any time
• pays your interest into this account manually on the first working day after 5 April
• is issued with a passbook
• meets Stakeholder Standards

Features & Benefits

• Minimum balance and deposit of £100
• Maximum balance of £1,000,000
• Call 0845 121 7905 to deposit money over the phone with your debit card. You can also deposit funds by cheque through the post, or by using your nominated current account provider’s telephone or internet banking services^
• Call 0845 121 7905 to make withdrawals (minimum of £100 which will be transferred to your nominated current account which takes 4 working days, excluding the day of instruction)^
• Interest is paid annually by the first working day after 1st January into this account
• Keep track of your balance with a statement (every 25 transactions or 3 months, whichever is sooner)
• Can be opened as a joint account so long as it’s linked to a current account held in either one or both of these names.
• Easily transfer money to and from your current account
• Manage your account online. Register for online servicing once your account is open

^For information on the clearing of funds, please refer to section 7 of the General Terms and Conditions.

Features & Benefits

• Attractive fixed interest rate
• Choose annual or monthly interest. Annual interest will be paid into this account at the end of the term; monthly interest will be paid into another Britannia or bank account of your choice
• Choose to save between a minimum of £1,000 and a maximum of £1,000,000
• Your account matures in a year and your money is then transferred to a Matured Bond Instant Access Account
• Can be opened as a joint account
• It is not possible to add to this account during the term of the product
• Passbook based account

Features & Benefits

• Attractive fixed interest rate
• Choose annual or monthly interest. Monthly interest will be paid into another Britannia or bank account of your choice. For annual interest, you have the option to add this to your account.
• Choose to save between a minimum of £1,000 and a maximum of £1,000,000
• Your account matures on its second anniversary and your money is then transferred to a Matured Bond Instant Access Account
• Can be opened as a joint account
• It is not possible to add to this account during the term of the product
• Passbook based account

Our Select Access Cash ISA 2:

• gives you a variable rate of tax free* interest
• can be opened with a minimum deposit of £500
• you can operate your account by visiting a Britannia branch or by post
• allows you to make deposits whenever you want to – up to the maximum cash ISA limit (currently £5,640) in the current 2012/2013 tax year*
• you can make deposits to your account via a Britannia branch, your bank’s telephone or internet service or our postal service
• allows you to make withdrawals at any time
• allows you to keep your higher interest rate if you make no more than two withdrawals including partial balance transfers per tax year
• pays your interest into this account annually after we close for business on 5 April
• allows you to keep track of your balance with a statement (quarterly or every 25 transactions, whichever is sooner)

Features & Benefits

• Minimum investment of £20 a month
• Maximum balance of £1,000,000
• Interest and bonus is paid annually into your account on the first working day after the anniversary of your account being opened
• First deposit is paid by cash or cheque
• Statement based account (every three months)
• Can be opened as a joint account
• Lets you pay monthly by Direct Debit, Standing Order, or internal transfer to make saving easy

Features

• gives you a fixed rate of 1.80% tax free*, until 6 April 2014,
• will mature on 7 April 2014 when your money will be transferred into a variable rate Cash ISA (or equivalent)
• can be opened with your full cash ISA allowance for the 2012/2013 tax year (£5,640), your full cash ISA allowance for the 2013/2014 tax year (£5,760) and/or transfers from previous years’ cash ISAs with Britannia or other providers
• pays interest into your account after close of business on 6 April each year
• is issued with a passbook

This is a limited issue product and may be withdrawn without notice.

Are there any risks or restrictions?

• The Fixed Rate Cash ISA has a fixed end date. If you make a withdrawal or transfer out before the account matures, the withdrawal or transfer out will be subject to a charge equivalent to 180 days loss of interest at the fixed rate on the amount withdrawn.
• This is a limited issue product and may be withdrawn at any time.
• No further deposits are allowed into this account after the product has been withdrawn. A partial investment of a tax year’s allowance would prevent you from using the remainder of your cash ISA limit for that tax year, therefore if you wish to pay in for a tax year, you must use that tax year’s full allowance. This also means that subscriptions for future tax years cannot be made once the product has been withdrawn.
• Over time, inflation will reduce the true value of your savings.
• Whether general interest rates rise or fall, this cash ISA pays interest at a fixed rate.

Features

• gives you a fixed rate of 2.05% tax free*, until 5 April 2015 will mature on 6 April 2015 when your money will be transferred into a variable rate Cash ISA (or equivalent)
• can be opened with your full cash ISA allowance for the 2012/2013 tax year (£5,640), your full cash ISA allowance for the 2013/2014 tax year (£5,760) and/or transfers from previous years’ cash ISAs with Britannia or other providers
• pays interest into your account after close of business on 5 April each year
• is issued with a passbook

This is a limited issue product and may be withdrawn without notice.

Are there any risks or restrictions?

• The Fixed Rate Cash ISA has a fixed end date. If you make a withdrawal or transfer out before the account matures, the withdrawal or transfer out will be subject to a charge equivalent to 180 days loss of interest at the fixed rate on the amount withdrawn.
• This is a limited issue product and may be withdrawn at any time.
• No further deposits are allowed into this account after the product has been withdrawn. A partial investment of a tax year’s allowance would prevent you from using the remainder of your cash ISA limit for that tax year, therefore if you wish to pay in for a tax year, you must use that tax year’s full allowance. This also means that subscriptions for future tax years cannot be made once the product has been withdrawn.
• Over time, inflation will reduce the true value of your savings.
• Whether general interest rates rise or fall, this cash ISA pays interest at a fixed rate.

Features & Benefits

• Minimum balance of £1
• Maximum investment of £1,000,000
• Interest is paid annually on the first working day after 1st January by adding it to this account
• Passbook option lets them withdraw up to £500 per day in cash, or larger amounts by cheque
• Save as and when it suits your child
• You can set up a monthly Direct Debit to boost their savings
• ‘Quickcash’ card option available once they’re aged 12
• To boost your child's savings why not pay in your child benefit?

Features & Benefits

• Minimum balance of £100
• Maximum balance of £1,000,000
• Interest is paid annually on the first working day after 1st January into this Account
• Choose between 2 and 4 named people on the account with at least 2 people authorising withdrawals
• Passbook based account
• The flexibility to make deposits or withdrawals any time
• Start earning interest as soon as you open your account
• Interest can be paid gross* if you are eligible under HM Revenue & Customs guidelines**.

Features & Benefits

• Minimum balance of £100
• Maximum balance of £1,000,000
• Interest is paid annually on the first working day after 1st January into this account
• Choose between 2 and 4 named people on the account
• Passbook based account
• The flexibility to make deposits or withdrawals any time
• Start earning interest as soon as we open your account