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Savings products - In preparation of the launch of our new and improved Online Service we have temporarily withdrawn online applications for all our savings products. You can still apply for these products by post or in branch. All savings products will be available to apply online from 12 May. We apologise for any inconvenience this may cause.
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Online Service update. Due to planned essential maintenance our Online Service will be unavailable from 6pm until 12am on Wednesday 7 May. Our Online Service will also be unavailable between 5.30pm on Friday 9 May until 9am on Monday 12 May. We apologise for any inconvenience this may cause.
Market Tracker Saver (1)
An easy access savings account that tracks the market for you.
Your savings are protected.
Key features
View summary box- Apply for an account online, by post or at our Epsom branch
- Save from £1 up to £250,000
- Maximum withdrawal of £25,000 per day, per account
- Interest is paid annually on 31 July and available from the following day
- Variable interest rate – Which is reviewed four times a year in March, June, September and December
- Add to your savings by debit card (online only via the Online Service), by transfer from your bank account, by cheque or by transfer from another savings account with us
- Easy access with up to 20 withdrawals available per calendar year without an access charge and can be paid by transfer to your bank account or by transfer to another account with us
- This account can be opened and/or operated by an Attorneys, Deputies or Third Parties (see below for more details).
Before you apply, please read the account summary box below. It is not intended to be a substitute for reading the Product Features leaflet and General Conditions for our Savings Account booklet.
Account summary box
Account name
What is the interest rate?
| Rates effective from 1 April 2025 | Gross AER1 |
| £1+ | 4.32% |
| |
Can the Family Building Society change the interest rate?
- Yes, we will review the interest rate four times a year in March, June, September and December and publish the results on our website no later than 15 calendar days before the end of the review month.
- We will notify you each time the interest rate changes by email. If you don’t provide us with an email address, you will be able to check our website for any updates. We do not send these notifications by post.
- Please refer to the ‘Interest’ section of the Product Features leaflet for further information.
What would the estimated balance be after 12 months based on a £1,000 deposit?
| Opening balance | Projected balance (Gross) | ||
| £1,000 | £1,043.20 | ||
| |||
How do I open and manage my account?
- The Market Tracker Saver (1) is currently available to new and existing customers. It is also available for the automatic re-investment of our Junior Saver account, when the child reaches 18
- This account can be applied for online, by post or at our Epsom branch
- A minimum of £1 must be deposited
- Additions are allowed but not required on a regular basis
- Additions to the account can be made by debit card (online only via the Online Service), by transfer from your bank account, by cheque or by transfer from another savings account with us
- A maximum of £250,000 may be held in the account
- Instructions for the account can be made via the Online Service, by phone, by post or at our Epsom branch.
Can I withdraw money?
- Up to 20 withdrawals are permitted per calendar year without notice or access charge, and can be paid by transfer to your bank account or by transfer to another savings account with us
- Minimum withdrawal is £100
- Maximum withdrawal of £25,000 per day, per account.
Please see the 'Taking money out' section of the Product Features leaflet for full information.
How can I make deposits?
- Additions are allowed but not required on a regular basis
- Additions to the account can be made by debit card (online only via the Online Service), by transfer from your bank account, by cheque, by transfer from another savings account with us.
Additional information
Tax status: Interest is paid gross without deduction of income tax. You will need to declare any income from savings interest earned over your PSA2 through a self-assessment tax return to HM Revenue & Customs. Interest is paid on 31 July and available from the following day.
This issue may be withdrawn at any time without prior notice.
1AER stands for Annual Equivalent Rate and illustrates what the annual rate would be if interest was compounded.
2PSA stands for Personal Savings Allowance.
All financial information correct on 4 March 2025.
Operating an account on behalf of someone else
This account can be opened and operated by Attorneys and Deputies. It can also be operated by Third Parties. For full details click here.
Use of a debit card to deposit savings
To add to your account using your debit card, you will need to register for our Online Service. You can’t use your debit card to add money to your account over the phone. Please note that the debit card you use to deposit money via the Online Service should be registered to the address we hold for you.
Debit card transactions are subject to approval by your bank and may be declined if you do not have sufficient funds available in your bank account or the transaction exceeds your bank's anti-fraud limits.
Over 125 years looking after people's money
For a long time we've been trusted to help people save for homes, holidays & more with a more small scale, personal approach as shown in our awards.
More about who we areView our awards
Contact our expert UK team
Existing customers
Savings - 03330 140144
savings.service@familybsoc.co.uk
Mortgages - 03330 140146
mortgage.service@familybsoc.co.uk
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Visit us in branch
Ashley Square, Epsom, Surrey, KT18 5DD.
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