The terms of accounts included in our reference group must meet the following criteria. Interest rate: Unconditional and independently set. This means that the interest rate offered must not be linked to other rates or indices, such as Bank of England Bank Rate, or to groups of other savings products and with no part of the interest being a time limited additional interest rate, bonus rate or otherwise on conditional terms, for example not exceeding a set number of withdrawals. No opening restrictions: Stand alone accounts only, by which we mean that the account terms must not require other accounts to be opened or other products purchased in order to qualify for the advertised interest rate. Availability: Accounts must be available to individuals resident anywhere in the UK aged 25 years or older. Withdrawals: Available immediately with no notice or penalty. Account operation: Opened and operated by post or telephone or internet. Affinity accounts: We exclude accounts which require membership of a third party organisation or which include a donation to such an organisation. Duplication: We only include one account where a company or group of companies offers accounts on similar terms across more than one brand and / or distribution channel.

Notices

Important changes to our mortgage products for new and existing customers (23/03/26) - Find out more.

Due to significant increases in the cost of funding fixed rate mortgages, we're temporarily withdrawing all of our fixed rate products from sale. The product withdrawals apply for both new and existing customers, and are no longer available for purchase, remortgage, further advance or product switch applications. This takes effect immediately from today, 23 March 2026. Our range of discounted variable rate mortgage products remains unchanged.
Annual General Meeting 2026. Find out more:

We're pleased to let you know that voting for the AGM is now open. If you've opted for a postal pack you should receive this by 1 April.
IMPORTANT: The last day of the 2025 / 2026 tax year is Sunday 5 April.
Our online and postal ISA applications for this tax year will close from 5pm on Friday 27 March until the morning of Tuesday 7 April. Find out full details and timings for opening and funding ISAs with us within the current tax year.

Market Tracker savings accounts

Giving you a consistently competitive return on your savings.

Market Tracker accounts

Do you want certainty that the rate of interest you receive will remain competitive?

Our Market Tracker products track savings account rates and do the work for you
Receive a consistently competitive interest rate for your savings account, which avoids the need for you to keep shopping around regularly.

All our savings accounts are FSCS protected. Apply for an account online, by post or at our Epsom branch.

Market Tracker Saver (1)

Tracks the average of the top 20 easy access interest rates in the market.

Annual interest effective 1 January 2026 (AER gross): 3.98%
Annual interest effective 1 April 2026 (AER gross): 3.88%

Minimum opening amount: £1
We review the interest rate quarterly
The interest rate paid is calculated using data from Moneyfacts® and pays the average of the interest rates on the top 20 accounts, based on the rate for a £10,000 investment. How it works.

See full details and apply online

Market Tracker Cash ISA (2)

Tracks our Market Tracker Saver account interest rate, plus 0.05%.

Annual interest effective 1 January 2026 (AER gross): 4.03%
Annual interest effective 1 April 2026 (AER gross): 3.93%

Minimum opening amount: £1
We review the interest rate quarterly
The interest rate paid on the Market Tracker Saver is calculated using data from Moneyfacts® and pays the average of the interest rates on the top 20 accounts, based on the rate for a £10,000 investment. How it works.

See full details and apply

Do you need our help?

If you have questions about our Market Tracker savings accounts please contact our friendly New Business Team

Get in touch

Withdrawn and reinvestment accounts

View details of interest rates for our withdrawn and reinvestment savings accounts

Withdrawn accounts Reinvestment accounts

How our Market Tracker Saver and Cash ISA works

Details of how we review and set the interest rate paid on our Market Tracker Saver and ISA accounts.

How does the Market Tracker Saver work?

Four times a year we review the interest rate paid on the Market Tracker Saver account.
These reviews take place in March, June, September and December each year and the changes arising apply to the account from the first day of the following month. For example, the review outcome in September is applied to the account from 1 October.
Each review may lead to one of three outcomes for the following quarter:
- an increase in interest rate
- a reduction in interest rate
- no change.

How does the Market Tracker Cash ISA work?

The interest rate for the Market Tracker Cash ISA (2) is linked to that of our Market Tracker Saver, plus 0.05%

When is the review undertaken?

The review is undertaken in the first five calendar days of the month and the review date and the result is published on our website no later than 15 calendar days before the end of the review month. Where an account holder has given us their email address, we will also send an email notification of the outcome of the quarterly reviews.

How is the interest rate calculated?

The interest rate paid on the Market Tracker Saver account is calculated using data from Moneyfacts® as supplied on the review date.
The interest rate paid is the average of the top 20 easy access accounts for an investment of £10,000 across the market from a list of firms we call our 'reference group'.

The Market Tracker Cash ISA (2) is 0.05% above the Market Tracker Saver rate.

'Reference group'

The terms of accounts included in our ' reference group' must meet the following criteria:

Interest rate: Unconditional and independently set. This means that the interest rate offered must not be linked to other rates or indices, such as Bank of England Bank Rate, or to groups of other savings products and with no part of the interest being a time limited additional interest rate, bonus rate or otherwise on conditional terms, for example not exceeding a set number of withdrawals.
No opening restrictions: Stand alone accounts only, by which we mean that the account terms must not require other accounts to be opened or other products purchased in order to qualify for the advertised interest rate.
Availability: Accounts must be available to individuals resident anywhere in the UK aged 25 years or older.
Withdrawals: Available immediately with no notice or penalty.
Account operation: Opened and operated by post or telephone or internet.
Affinity accounts: We exclude accounts which require membership of a third party organisation or which include a donation to such an organisation.
Duplication: We only include one account where a company or group of companies offers accounts on similar terms across more than one brand and / or distribution channel.

Please note:
The firms included in the reference group and / or the criteria for inclusion of accounts may be changed by us giving three calendar months advance notice to do so. Notification of such changes will be published alongside a quarterly review outcome on our website.

Unless we have made a clear calculation error then our determination of the interest rate at each review date will be binding upon account holders.

Market Tracker Rate reviews:

2026

2 March 2026

2025

3 March 2025
2 June 2025
1 September 2025
1 December 2025

2024

1 March 2024
3 June 2024
2 September 2024
2 December 2024

2023

1 March 2023
1 June 2023
1 September 2023
1 December 2023

2022

1 March 2022
1 June 2022
1 September 2022
1 December 2022