Wanting a relaxed lifestyle? Then start to save with our Heritage Account which is designed for investors aged 50 years and over. The account has limited instant access paying a conditional bonus.


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?Interest rate without bonus 0.75% Gross/0.75% AER

Interest rate with bonus (including a gross bonus of 0.40%) 1.15% Gross/1.15% AER


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?



The projected balance based on the current interest rate excluding the bonus is £1,007.50.

The projected balance based on the current interest rate including the bonus is £1,011.50.

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 – No notice of withdrawal is required however, the minimum cash or cheque withdrawal is £250.
  • A maximum of 4 withdrawals per year (1st March – end of February Inc.) to qualify for the bonus.
Additional Information
  • The account is limited to one per investor.
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