This depends on the type of pots you have with us. Here’s a breakdown of the details:

Smart Saver

• The interest rate on Smart Saver pots is variable, which means it can change over time.

• If your interest rate increases, we’ll apply the new rate immediately and let you know about the change via email.

• If your interest rate is going down, we'll give you a heads-up via email at least 14 days before the new rate is implemented. For Boosted pots, we'll send you an email 14 days plus the Boost notice period (of 7, 31 or 95 days, depending on which pot you have) in advance of applying the new rate. You can find more information in the Terms & Conditions for your account, which is stored in the Documents section of your Smart Savings Hub.

Smart ISA

• The interest rate on Access ISA pots is variable, which means it can change over time.

• If your interest rate increases, we’ll apply the new rate immediately and let you know about the change via email.

• If your interest rate is going down, we'll give you a heads-up via email 14 days before the new rate is implemented.

• The interest rate on Fixed Term ISA pots is fixed for the duration of the term. This means we can't change the rate until the fixed term has ended.

Click here to see a list of all the changes we've made to our interest rates over time.