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Find out more about limited access accounts.
As its name suggests, a limited access account is a type of savings account where access to your funds are limited.
This depends on the account you open, however there tend to be three main ways withdrawals are restricted:
If the limited access account you choose isn't a fixed rate savings account, then the interest rate may be subject to change over time.
The minimum balance on limited access accounts vary. Please refer to the individual product terms and conditions for further information.
For ISAs
*We will pay your interest free of UK income tax. Your tax treatment will depend on your individual circumstances and may be subject to change in the future. The tax treatment of ISAs may also change. AER stands for Annual Equivalent Rate. It shows what the interest rate would be if the interest was reinvested in the account each year. Interest rates are variable unless otherwise stated.
For non ISAs
*We will pay your interest without tax taken off. It is your responsibility to declare any interest you earn over your personal savings allowance directly to HMRC. Your tax treatment will depend on your individual circumstances and may be subject to change in the future, for further information please contact HMRC. AER stands for Annual Equivalent Rate. It shows what the interest rate would be if the interest was re-invested in the account each year. Interest rates are variable unless otherwise stated.
Scratching your head about savings? Take a look at questions that our members frequently ask us, which you might also find helpful.
With so many different types of savings accounts, it can be difficult finding the right one for you. Our savings guide explains the different accounts.
Ever wondered what AER actually is? Or what CHAPS stands for? We're busting the jargon in our savings terms glossary.