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The Capital 90 offers tiered interest rates, so the more you invest the better reward you will receive and you still have access to your money.


Summary Box

The Information provided is a summary of the key features of the savings account and is not intended to be a substitute for reading the terms and conditions that apply to the account.

What is the Interest Rate?£50,000 – £180,000       3.70% Gross/3.70% AER

£25,000 – £49,999         3.50% Gross/ 3.50% AER

£10,000 – £24,999         3.35% Gross/3.35% AER

£5,000 – £9,999             3.20% Gross/ 3.20% AER

£500 – £4,999                3.05% Gross/ 3.05% AER

(From 21 August 2023)

AER stands for Annual Equivalent Rate.  It illustrates what the interest rate would be if interest was paid and compounded each year.


Interest is calculated daily and is variable. Interest is compounded annually on the last day of February.


See our current interest rates for all savings accounts.

Can esbs change the Interest Rate?We may change interest rates at any time if we reasonably believe the change is needed.  Please refer to Condition 7 – Interest in the Terms and Conditions for esbs Retail Savings Accounts for further details.
What would the estimated balance be after 12 months based on a £1,000 deposit?







Please note tiered interest rate projections illustrate the cash returns on deposits up to each balance band.

The projected balance based on the current interest rate for the various tiers are:

£50,000 – £180,000               £186,660.00

£25,000 – £49,999                 £51,748.97

£10,000 – £24,999                 £25,836.47

£5,000 – £9,999                     £10,318.97

£500 – £4,999                        £5,151.47

This projection is provided for illustrative purposes only and does not take into account the individual circumstances of the customer.

How do I open and manage my account?




Can I withdraw money?
  • Yes – if the balance is maintained at £20,000 or more then no notice is required otherwise 90 days notice is required.  At the Society’s discretion, notice may be waived subject to 90 days loss of interest on the amount withdrawn.
Additional Information
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