AER (Annual Equivalent Rate) is the equivalent rate if the interest was paid and compounded once a year. Gross rate interest is the interest payable without taking account of any tax payable. Credit interest is calculated daily on the cleared credit balance in your account. From 6th April 2016 we no longer deduct tax from any interest earned, following the introduction of a Personal Savings Allowance.

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If you earn interest over your Personal Savings Allowance you will be required to pay any tax due directly to HM Revenue and Customs. Please visit for more information. Clydesdale Bank PLC is covered by the Financial Services Compensation Scheme (FSCS). Powered by Clydesdale Bank & Yorkshire Bank B products and services are provided by Clydesdale Bank (which also trades as Yorkshire Bank). Clydesdale Bank PLC, is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

(Financial Services Register No. Clydesdale Bank PLC Registered in Scotland (No. Registered Office: 30 St.

Vincent Place, Glasgow G1 2HL.