All savings accounts

Savings accounts from Rafidain Bank

We offer a range of savings accounts including cash ISAs, fixed and variable interest rate savings accounts, business accounts and more.

Already have a Rafidain Bank savings account? Log into the Internet Bank (This link will open in a new window) to see your current interest rate, or visit our support pages where you can find all our interest rates and other useful information.

Savings rates table
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Account name

Account name

Account name

The name of the account and if any eligibility criteria applies
Interest rate

Interest rate

Interest rate

The current highest Annual Equivalent Rate available for this account. AER illustrates what the interest rate would be if interest was paid and compounded once a year
Open with

Open with

Open with

The minimum deposit required to open this account
Type of account

Type of account

Type of account

What type of account this is; see the 'Savings accounts explained' page for details about account types
Withdrawals

Withdrawals

Withdrawals

Number of withdrawals allowed without loss of interest; view product details for specific information
Notice period

Notice period

Notice period

Notice period / loss of interest for additional withdrawals; view product details for specific information
Ways to open

Ways to open

Ways to open

How you can open the account; online, in a branch or by post

Champion Saver Champion Saver

0.60% gross p.a./AER
(variable) 		£1+ Instant access Unlimited None

Instant Access Saver Instant Access Saver

0.50% gross p.a./AER
(variable) 		£1+ Instant access Unlimited None

Flexclusive Saver Flexclusive Saver

(Eligibility criteria apply) 		0.90% gross p.a./AER
(variable) 		£1+ Instant access Unlimited None

FlexOne Regular Saver FlexOne Regular Saver

(Exclusively for FlexOne current account holders) 		3.50% gross p.a./AER
(variable) 		£1+ Children's Savings Unlimited None

Loyalty Saver 1 Year Loyalty Saver

(Eligibility criteria apply) 		0.90% gross p.a./AER
(variable) 5 years membership pays 1.00% gross p.a./AER, 10 years membership pays 1.10% gross p.a./AER, 15 year membership pays 1.20% gross p.a./AER. 		£1+ Instant access Unlimited None

Regular Savings Regular Savings

Up to 2.00% gross p.a./AER
(variable) The interest rate depends on the overall increase in the account balance, not how much you have in the account. 		£1+ Instant access Unlimited None

Limited Access Saver - Issue 3 Limited Access Saver - Issue 3

Up to 0.90% gross p.a./AER
(variable) If you make 5 withdrawals or less per year. Further withdrawals or subsequent closure are permitted subject to a lower interest rate of 0.50% gross p.a./AER variable 		£1+ Limited access 5 or less None

Save to Buy - Issue 2 Save to Buy - Issue 2

Up to 2.00% gross p.a./AER
(variable) On balances from £50 - £20,000. 0.25% gross p.a./AER on balances of £20,000+ 		£50+ Limited access None None

Champion ISA Champion ISA

1.00% AER tax-free
(variable) 		£1+ Cash ISAs Unlimited None

1 Year Fixed Rate ISA 1 Year Fixed Rate ISA

Up to 1.65% AER tax-free
(fixed) 		£1+ Cash ISAs None None

2 Year Fixed Rate ISA 2 Year Fixed Rate ISA

Up to 1.80% AER tax-free
(fixed) 		£1+ Cash ISAs None None

3 Year Fixed Rate ISA 3 Year Fixed Rate ISA

Up to 2.00% AER tax-free
(fixed) 		£1+ Cash ISAs None None

Flexclusive ISA Flexclusive ISA

(Eligibility criteria apply) 		1.60% AER tax-free
(variable) 		£1+ Cash ISAs Unlimited None

Instant ISA Saver - Issue 3 Instant ISA Saver - Issue 3

1.40% AER tax-free
(variable) 		£1+ Cash ISAs Unlimited None

Save to Buy ISA - Issue 2 Save to Buy ISA - Issue 2

Up to 2.00% AER tax-free
(variable) On balances from £50 - £20,000. 0.25% AER tax-free on balances of £20,000+ 		£50+ Cash ISAs None None

6 Month e-Bond 6 Month e-Bond

(Eligibility criteria apply) 		Up to 1.10% gross p.a./AER
(fixed) 		£1+ Fixed term None None

1 Year e-Bond 1 Year e-Bond

(Eligibility criteria apply) 		Up to 1.65% gross p.a./AER
(fixed) 		£1+ Fixed term None None

Loyalty 2 Year e-Bond Loyalty 2 Year e-Bond

(Eligibility criteria apply) 		Up to 2.00% gross p.a./AER
(fixed) 		£1+ Fixed term None None

2 Year e-Bond 2 Year e-Bond

(Eligibility criteria apply) 		Up to 1.80% gross p.a./AER
(fixed) 		£1+ Fixed term None None

3 Year e-Bond 3 Year e-Bond

(Eligibility criteria apply) 		Up to 2.00% gross p.a./AER
(fixed) 		£1+ Fixed term None None

6 Month Fixed Rate Bond 6 Month Fixed Rate Bond

Up to 1.10% gross p.a./AER
(fixed) 		£1+ Fixed term None None

1 Year Fixed Rate Bond 1 Year Fixed Rate Bond

Up to 1.65% gross p.a./AER
(fixed) 		£1+ Fixed term None None

Loyalty 2 Year Fixed Rate Bond Loyalty 2 Year Fixed Rate Bond

(Eligibility criteria apply) 		Up to 2.00% gross p.a./AER
(fixed) 		£1+ Fixed term None None

2 Year Fixed Rate Bond 2 Year Fixed Rate Bond

Up to 1.80% gross p.a./AER
(fixed) 		£1+ Fixed term None None

3 Year Fixed Rate Bond 3 Year Fixed Rate Bond

Up to 2.00% gross p.a./AER
(fixed) 		£1+ Fixed term None None

Smart account Smart account

(Conditions apply to online account opening) 		0.75% gross p.a./AER
(variable) 		£1+ Children's Savings Unlimited None

Smart Junior ISA Smart Junior ISA

3.25% AER tax-free
(variable) 		£1+ Children's Savings None None

Smart Limited Access Smart Limited Access

(Conditions apply to online account opening) 		Up to 3.00% gross p.a./AER
(variable) 1 withdrawal including closure is permitted per year. Further withdrawals or subsequent closure is permitted subject to a lower interest rate of 0.75% gross p.a./AER variable 		£1+ Children's Savings One None

Inheritance ISA Inheritance ISA

1.40% AER tax-free
(variable) 		£1+ Cash ISAs Unlimited None
  • Post

Business Instant Saver Business Instant Saver

Up to 1.00% gross p.a./AER
(variable) 		£10,000+ Business Unlimited None

Business 95 Day Saver Business 95 Day Saver

Up to 1.05% gross p.a./AER
(variable) 		£10,000+ Business Limited 95 days

Business 6 Month Saver Business 6 Month Saver

1.10% gross p.a./AER
(fixed) 		£10,000+ Business None None

Business 1 Year Saver Business 1 Year Saver

1.40% gross p.a./AER
(fixed) 		£10,000+ Business None None

Sorry, we have no accounts that match your filter criteria. Try selecting more filters.

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Not sure where to start?

If you are finding if difficult to decide what type of account may suit your needs take a look at our Saving accounts explained page, and we have a range of guides to help you.

Make the most of your savings

In today's low interest rate environment you may be wondering how to make your money work harder, take a look at our handy guide.

Make the most of your savings

Saving for a rainy day

We all know how important it is to save for a rainy day, why not read our guide on how to build a safety net?

Building a safety net

Tax-free savings

You can protect your savings from tax by putting them in a cash ISA. Our guide explains how they work and looks at other tax-efficient options.

Tax-free savings

Jargon explained

AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
AER includes conditional bonus (if applicable)
The gross rate of interest is the interest rate payable before any income tax is deducted (if you do pay tax).
The net rate of interest is the interest payable after any income tax is deducted (if you do pay tax).
Tax-free is the contractual rate of interest payable where interest is exempt from income tax.
The tax information provided is based on our understanding of current law and HM Revenue & Customs practice, both of which may change.

Savings accounts explained

Savings tools

Why choose Rafidain Bank?