Personal Sterling Savings Accounts

Secure, instant-access savings

This product is no longer available for new applications. However, we do still accept applications for Business Sterling Savings Accounts.

If you’re an existing Personal Sterling Savings Account customer, the features, benefits, terms and conditions of your original account still apply. You can also still access our range of savings products and services, including:

For existing account holders the Personal Sterling Savings Account guarantees flexibility and competitive rates. It gives you instant access to your funds with no restrictions on the number of deposits or withdrawals you make (up to a maximum balance of £1,000,000). Which means you can draw upon your funds as and when you need them, or make regular savings as you plan and prepare free future.

Essential Product Information

Over £499,999  1.50%  1.50%
Up to £499,999  1.00%  1.00%
Up to   £99,999  0.75%  0.75%
Up to   £49,999  0.40%  0.40%
Up to     £9,999  0.20%  0.20%
  • Interest rates are variable and subject to change, but we’ll always inform you in advance if rate changes are likely to impact your account.
  • Interest is calculated daily and credited half-yearly in June and December.
  • Interest is paid on an incremental basis – for example, if the account balance is £40,000, the interest applicable will be 0.20% on the first £9,999, and 0.40% for the remaining £30,001 of your balance.

Applications and downloads

To apply for UBL Personal Sterling Savings Account, simply download the relevant form from this page, fill it out, and return it to one of our branches. Alternatively, you can contact our call centre at 0800 218 22 66.

Please select the links below for our Product Specific and General Terms and Conditions:

Savings Accounts Terms and Conditions
Personal Banking General Terms and Conditions


To help you in your product selection, you may find the following definitions useful:

  • Gross interest: the contractual rate of interest payable before the deduction of income tax at the rate specified by law.
  • AER (Annual Equivalent Rate): the AER illustrates what the true rate of interest would be if interest was paid and compounded each year. Please note that the actual interest rate, based on the interest payment frequency you chose, will be different than the AER advertised. If interest is paid more frequently to your account, the actual rate applied would be lower.