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How can we help?

• Tax Exempt Savings Plan

  Our Tax Exempt Savings Plan (TESP) with guarantees allows you to save tax-free in addition to or separately with your ISA allowance

  • Save between 10 and 25 years
  • Plans start from just £5 a month
  • Available for adults and children

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  Regular Savings Plan

  Want to save a little extra? Our Regular Savings Plan gives you the ability to save over your Tax Exempt Savings Plan allowance

  • Save between 10 and 25 years
  • Potential bonuses
  • Better potential return than a cash savings account

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  Regular Premium Investment ISA

  Boost your financial goals, whatever they may be; with our flexible and simple Investment ISA

  • Save from just £30 a month
  • Access to your money if you need it
  • Potential for tax-free investment growth through bonuses

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• Single Premium Investment ISA

  Enjoy potential growth on your savings with annual and final bonuses. The best bit? It's tax-free.

  • Invest a lump sum from just £300
  • 2025/26 interim bonus rate is 5.75% before charges
  • Save £20,000 this tax year

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  Income Bond

  Want to see potential growth on your investment whilst taking an income? Our Income Bond could be the perfect plan for you

  • Invest a lump sum of up to £150,000
  • Option to take an income of 1-5%
  • Potential for investment growth through bonuses

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  Investment Bond

  Make your money work harder for you with our medium to long-term Investment Bond

  • Invest from £1,000 to £150,000
  • Guaranteed minimum return of your original investment plus 5% after five years
  • Potential for growth through annual and final bonuses

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  Three Year Fixed Bond

  Our Three Year Fixed Bond allows you to lock your money away for three years and benefit from a fixed rate of return you can count on.

  • Open with a single lump sum payment - choose an amount that works for you, from £1,000 - £200,000
  • Your interest rate of 4.1% is fixed for the full term
  • Ideal for those who prefer certainty and want to plan ahead without the worry of fluctuating rates

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• Investment Junior ISA

  Give your child a financial head start in life with our Junior ISA and watch the tax-free savings grow

  • Save from as little as £10 a month
  • Top-ups can be made by anyone
  • 2025/26 interim bonus rate is 6.00%

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  Children's Tax Exempt Savings Plan

  It's never too early to start saving for a child you care about, our Tax Exempt Savings Plan provides an additional tax-free allowance in addition to their Junior ISA

  • Anyone can open a plan
  • Choose a plan between 10 and 25 years
  • Save from £5 a month

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  Children's Regular Savings Plan

  Want to save a little extra for a child's future? Our Regular Savings Plan gives you the ability to save over your tax exempt savings plan allowance

  • Save for the longer-term
  • Perfect way to save for something special
  • Guaranteed final amount on maturity plus possible bonuses

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  Child Trust Fund

  Originally set up by the government, a Child Trust Fund (CTF) is a long-term tax-free savings account for children. You can no longer apply for a new Child Trust Fund because the scheme is now closed.

  • Transfer an existing CTF to us
  • Find out if your child could already have a CTF
  • Junior ISA alternative available

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• Whole of Life Plan

  This 'whole of life' plan is a simple and affordable way of providing a legacy for a loved one with the option to nominate a beneficiary

  • A guaranteed fixed amount of up to £50,000 on death
  • Affordable premiums from just £5 per month
  • Help towards funeral expenses

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  Tax Exempt Savings Plan with Life Insurance

  Tax-free savings with the added benefit of life insurance for you and your loved ones

  • Protection for you and your family
  • Guaranteed amount on maturity or death
  • Plan only available through friendly societies

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• Regular Premium Sustainable ISA

  Savings with a sustainable focus in mind

  • Save from just £10 a month
  • Save up to £20,000 in the current tax year
  • Stop, start, top up or vary your payments at any time

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  Single Premium Sustainable ISA

  Savings that work hard for you and the planet

  • Invest from just £100
  • Access to your money if you need it (subject to a £500 minimum withdrawal)
  • Invest for your future with our unit-linked sustainable fund

  Learn more