Latest Savings Commentary

Income is king

Oliver Roylance-Smith / 15 May 2012

Investing for income is always a popular investment theme, never more so than in recent months with income solutions ruling the roost over the ISA season for both the cash ISAs and investment ISAs. ... Read more

7% potential annual income, capital protected

Oliver Roylance-Smith / 10 May 2012

"The latest Fair Investment Income Deposit Plan offers capital protection plus the potential to earn 7% for each year the FTSE 100 remains between 4,500 and 7,000 points (yesterday’s clos... Read more

The savings dilemma and the rise of alternatives

Oliver Roylance-Smith / 01 May 2012

The economic landscape continues to create a real dilemma for savings and put a spotlight on the fixed rate bond. With yields on these lowering amid continued pressures on getting the most out of yo... Read more

Scottish Widows 5 Year Fixed Rate Bond - Apply Online »

Scottish Widows Bank Savings Accounts

Top savings rates from Scottish Widows

There are plenty of Scottish Widows Bank savings accounts to choose from, including the Scottish Widows Bank instant access savings account and the Scottish Widows Bank Cash ISA. See the tables below to apply for Scottish Widows savings accounts and to compare them with other leading providers:

Scottish Widows Savings Accounts

Account	Interest Rate (AER)	Term	Apply
5 Year Fixed Term Deposit Account	4.00%	5 Years	Apply Now >
Interest paid either Annually at 4.00% Gross/AER, Quarterly or Monthly interest also available. Minimum Deposit £10,000.			Apply Now >
Direct Transfer Account	2.80%	Easy Access	Apply Now >
Includes a 0.89% bonus payment for the 1st 12 months giving you a return of 2.80% AER. Open with £1,000.			Apply Now >
E-Cash ISA	2.50%	Instant Access	Apply Now >
Instant access cash ISA open to new and existing customers. Transfers accepted. £10 minimum deposit.			Apply Now >

Savings Selection

Account	Rate	Term	Apply
Investec FTSE 100 3 Year Deposit Plan	17.25%	3 Years	Apply Now >
This structured capital protected deposit plan offers a maximum return of 17.25% at maturity. Also available for Cash ISA and Cash ISA transfer.			Apply Now >
Fair Investment Income Deposit Plan	7.00%	6 Years	Apply Now >
A 6 year capital protected structured deposit plan designed to pay 7.00% annual income. Also available as a cash ISA and ISA transfer.			Apply Now >
2 Year Online Bond	3.63%	2 Years	Apply Now >
A rate of 3.63% Gross/AER fixed for 2 years. Deposit from £500. No additional withdrawals or deposits.			Apply Now >
1 Year Online Bond	3.27%	1 Year	Apply Now >
A rate of 3.27% AER fixed for 1 year. Deposit from £500. No additional withdrawals or deposits.			Apply Now >

Instant Access Savings Accounts Deals

Provider	Account	Interest Rate (AER)	Term	Apply
	Nationwide MySave	3.17%	Easy Access	Apply Now >
	Up to 3.17% AER (including 1.62% gross p.a. bonus for 12 months when you save £25,000 or more) Open with £1,000. Easy access, with 1 free withdrawal per year.			Apply Now >
	ING Direct Savings Account	3.10%	Instant Access	Apply Now >
	3.10% AER variable (3.06% gross p.a.) including a fixed bonus of 2.56% gross p.a. for 12 months from account opening. After 12 months the rate will revert to the standard variable rate.			Apply Now >
	NetSaver	3.06%	Easy Access	Apply Now >
	3.06% gross/AER variable including 12 month fixed bonus of 2.06% paid until 30th June 2013. £1,000 minimum opening balance. Easy access. Online management.			Apply Now >
	Online Saver	3.01%	Instant Access	Apply Now >
	Rate includes a 1.36% gross/AER fixed interest bonus for the first 12 months. Monthly interest available. Unlimited free withdrawals. Open with £1.			Apply Now >
	Direct Transfer Account	2.80%	Easy Access	Apply Now >
	Includes a 0.89% bonus payment for the 1st 12 months giving you a return of 2.80% AER. Open with £1,000.			Apply Now >
	Nationwide Regular Savings	up to 2.50%	Instant Access	Apply Now >
	Earn tiered rates of up to 2.50% Gross/AER when you save £500 or more. Open with £1. Unlimited withdrawals. Save up to £1,000 each month.			Apply Now >
	Lloyds TSB International Bonus Saver	1.51%	Instant Access	Apply Now >
	From 0.6% - 2.01% with 12 month bonus.			Apply Now >
	Online Bonus Saver	0.75%	Instant Access	Apply Now >
	0.75% including a 0.50% bonus on months where you don't make a withdrawal. Rate without bonus is 0.25%.			Apply Now >
	Easy Saver	1.60%	Instant access	Apply Now >
	1.60 AER/Gross variable. This rate includes a fixed introductory bonus of 1.50% AER for the first 12 months.			Apply Now >
Existing customers only	eSavings Account	2.50%	Instant access	Apply Now >
Existing customers only	Existing customers only. 2.50% AER/Gross (variable) on balances of £10,000 or more or 1.60% AER/Gross from £1 to £10,000. These rates include a fixed introductory bonus of 1.50% AER for the first 12 months.			Apply Now >

Latest Fixed Rate Bond Deals

Account	Interest Rate (AER)	Term	Apply
5 Year Fixed Rate Bond	4.26%	5 Years	Apply Now >
Earn 4.26% gross/AER fixed for 5 years. Save £1,000 - £250,000. No withdrawals during the term. Individual or joint accounts available. Annual or monthly interest.			Apply Now >
3 Year Online Bond	3.72%	3 Years	Apply Now >
A rate of 3.72% Gross/AER fixed for 3 years. Deposit from £500. No additional withdrawals or deposits.			Apply Now >
2 Year Online Bond	3.63%	2 Years	Apply Now >
A rate of 3.63% Gross/AER fixed for 2 years. Deposit from £500. No additional withdrawals or deposits.			Apply Now >
1 Year Online Bond	3.27%	1 Year	Apply Now >
A rate of 3.27% AER fixed for 1 year. Deposit from £500. No additional withdrawals or deposits.			Apply Now >

See other fixed rate bonds

Growth Structured Deposits

Plan Name	Maximum Potential Return*	Term	More Info
FTSE 100 3 Year Deposit Plan	17.25%	3 years	More Info >
3 year capital protected deposit plan with the potential to receive a defined return of 17.25%. Also available for Cash ISA and Cash ISA transfer.			More Info >
Deposit Kick Out	9.50% per annum	Up to 6 years	More Info >
A 6 year structured deposit plan with the potential to mature early, paying 9.50% for every year the plan is in place. Also available for Cash ISA and ISA transfer.			More Info >
FTSE 100 Kick Out Deposit Plan - Option 2	6.00% per annum	Up to 5 years	More Info >
Capital protected deposit plan with the potential to mature after years 2, 3, 4 and 5. If the plan matures early it will return 6% times the number of years the plan has been in force. Also available for Cash ISA and Cash ISA transfer.			More Info >
FTSE 100 Deposit Growth Plan	No limit	5 years	More Info >
5 year capital protected structured deposit plan which aims to return 1.05 x any FTSE 100 growth. Also available for Cash ISA and Cash ISA transfer.			More Info >
Growth Deposit Bond	50%	6 years	More Info >
6 year capital protected structured deposit plan which returns the greater of 9.00% or 1 x any FTSE 100 growth, capped at 50%. Also available for Cash ISA and Cash ISA transfer.			More Info >
Enhanced Growth Plan	40%	6 years	More Info >
6 year capital protected structured deposit plan which aims to return 4 x any FTSE 100 growth capped at 40%. Also available for Cash ISA and Cash ISA transfer.			More Info >
Annual Locked-In Return Plan	39%	6 years	More Info >
6 year capital protected structured deposit plan which aims to return 6.50% annual growth capped at 39%. Also available for Cash ISA and Cash ISA transfer.			More Info >

* Maximum Growth Yields are not guaranteed and subject to certain conditions

With Scottish Widows Bank savings accounts, you can make the most of your savings by getting good returns on a range of options designed to suit your individual needs. You can choose the account which best fits your requirements from the Scottish Widows Bank savings accounts range which includes:

Easy access
Notice accounts
Bonds
ISAs

Apply online for a Scottish Widows savings account today, or see what other deals are on offer in our comparison tables.