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 2.10% Gross/2.10% AER (From 21 August 2023)

Interest rate with bonus (including a gross bonus of 2.40%) 4.50% Gross/4.50% 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?



The projected balance based on the current interest rate excluding the bonus is £1,021.00.

The projected balance based on the current interest rate including the bonus is £1,045.00.

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?


  • The account may only be opened by UK residents aged 50 or over.
  • Minimum balance £1,000.
  • Maximum balance £180,000.
  • To apply for a Heritage Account please read the Heritage Account leaflet to ensure this account is suitable for you.  Please be certain to read the Terms and Conditions for esbs Retail Savings Accounts.
  • If you wish to open an account you can download and print an application form, apply in person in one of our branches or, should you wish for an application form to be sent in the post for you, call our Savings Team on 01455 844422.  Please remember to provide the correct Identification and funds.
  • You can manage your account at our branches or by post.
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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