Home Save & Invest Savings Rates Savings Rates Products currently available Everyday Savings Account Interest rates for all customers: From To AER Gross 05/05/2020 - 0.01% 0.01% 11/12/2019 04/05/2020 0.15% 0.15% 13/09/2018 10/12/2019 0.20% 0.20% 18/10/2016 12/09/2018 0.10% 0.10% 06/04/2016 17/10/2016 0.35% 0.35% Interest rates subject to variation From To AER Gross Net 12/04/2013 05/04/2016 0.35% 0.35% 0.28% 03/01/2013 11/04/2013 1.35% 1.34% 1.07% Interest rates subject to variation. Rate included a 1% bonus for 12 months from account opening. From To Including bonus Go to rate AER Gross Net AER Gross Net 24/08/2010 02/01/2013 2.35% 2.33% 1.86% 1.35% 1.34% 1.07% 14/05/2009 23/08/2010 1.56% 1.55% 1.24% 0.55% 0.55% 0.44% Advantage Cash ISA option Interest rates are variable and can change at any time. From To Tax Free Rate AER 05/05/2020 - 0.10% 0.10% 11/12/2019 04/05/2020 0.55% 0.55% 13/09/2018 10/12/2019 0.85% 0.85% 23/11/2017 12/09/2018 0.75% 0.75% 10/02/2017 22/11/2017 0.50% 0.50% 18/10/2016 09/02/2017 0.80% 0.80% 28/07/2016 17/10/2016 1.10% 1.10% 10/05/2013 27/07/2016 1.30% 1.30% 06/03/2013 09/05/2013 2.25% 2.25% 11/12/2012 05/03/2013 2.75% 2.75% 09/02/2012 10/12/2012 3.00% 3.00% Rates included a 1% bonus payable until 21 July 2010. Interest rates were variable and could change at any time, including within the latest date range quoted above. The rates were presented in this way to reflect the reduction in the AER relative to the tax free rate over time. The AER reduced in this way because it was always calculated over a full 12 month period, while the bonus was only paid until a fixed date. From To Tax Free Rate AER Go to rate AER/Tax Free 22/07/2010 08/02/2012 1.50% 1.50% N/A 22/06/2010 21/07/2010 2.50% 1.58% 1.50% 22/05/2010 21/06/2010 2.50% 1.67% 1.50% 22/04/2010 21/05/2010 2.50% 1.75% 1.50% 22/03/2010 21/04/2010 2.50% 1.83% 1.50% 22/02/2010 21/03/2010 2.50% 1.92% 1.50% 22/01/2010 21/02/2010 2.50% 2.00% 1.50% 22/12/2009 21/01/2010 2.50% 2.08% 1.50% 22/11/2009 21/12/2009 2.50% 2.17% 1.50% 22/10/2009 21/11/2009 2.50% 2.25% 1.50% 01/10/2009 21/10/2009 2.50% 2.33% 1.50% 22/09/2009 30/09/2009 2.50% 2.08% 1.50% 22/08/2009 21/09/2009 2.50% 2.17% 1.50% 22/07/2009 21/08/2009 2.50% 2.25% 1.50% 22/06/2009 21/07/2009 2.50% 2.33% 1.50% 12/06/2009 21/06/2009 2.50% 2.42% 1.50% 22/04/2009 11/06/2009 3.10% 3.02% 2.10% 22/01/2009 21/04/2009 3.10% 3.10% 2.10% Fixed Rate Savings Issue 37 Fixed Rate Savings Issue 37 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 0.15% 0.20% 0.40% Fixed Rate Savings Issue 37 (Cash ISA) Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 0.15% 0.20% 0.40% Bank of England Base Rate Base Rate History From To Rate 19/03/2020 Present 0.10 % 11/03/2020 18/03/2020 0.25 % 03/08/2018 10/03/2020 0.75 % 03/11/2017 02/08/2018 0.50 % 05/08/2016 02/11/2017 0.25 % 06/03/2009 04/08/2016 0.50 % 06/02/2009 05/03/2009 1.00 % Products no longer available Monthly Saver From To Amount AER Gross 15/11/2019 31/08/2021 £25-£250 per month 2.75% 2.75% 29/09/2016 14/11/19 £25-£250 per month 5.00% 5.00% 26/09/2012 28/09/2016 £25-£250 per month 6.00% 6.00% Flexi Cash ISA option - Closed This option closed on 16/10/2016. From To AER Tax-free Go to rate AER/Tax-free 10/05/2013 16/10/2016 1.30% 1.30% 0.05% 06/03/2013 09/05/2013 2.25% 2.25% 1.00% 09/02/2010 05/03/2013 2.65% 2.65% 1.40% Tracker Cash ISA option - Closed This option closed on 16/10/2016. From To AER/Tax-free 06/03/2009 16/10/2016 0.50 % 06/02/2009 05/03/2009 1.00 % Fixed Rate Savings Issue 36 Fixed Rate Savings Issue 36 - Closed 29/04/2021 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 0.30% 0.35% 0.40% Fixed Rate Savings Issue 36 (Cash ISA) - Closed 29/04/2021 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 0.40% 0.45% 0.50% Fixed Rate Savings Issue 35 Fixed Rate Savings Issue 35 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 0.45% 0.55% 0.70% Fixed Rate Savings Issue 35 (Cash ISA) Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 0.55% 0.65% 0.80% Fixed Rate Savings Issue 34 Fixed Rate Savings Issue 34 - Closed 05/05/2020 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 0.70% 0.80% 0.85% Fixed Rate Savings Issue 34 (Cash ISA) - Closed 05/05/2020 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 0.80% 0.90% 0.95% Fixed Rate Savings Issue 33 Fixed Rate Savings Issue 33 - Closed 09/03/2020 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 0.70% 0.80% 0.85% Fixed Rate Savings Issue 33 (Cash ISA) - Closed 09/03/2020 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 0.80% 0.90% 0.95% Fixed Rate Savings Issue 32 Fixed Rate Savings Issue 32 - Closed 07/03/2019 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 1.30% 1.50% 1.70% Fixed Rate Savings Issue 32 (Cash ISA) - Closed 07/03/2019 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 1.30% 1.50% 1.70% Fixed Rate Savings Issue 31 Fixed Rate Savings Issue 31 - Closed 09/01/19 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 0.75% 0.85% 0.95% Fixed Rate Savings Issue 31 (Cash ISA) - Closed 09/01/19 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 0.85% 0.95% 1.05% Fixed Rate Savings Issue 30 Fixed Rate Savings Issue 30 - Closed 12/09/18 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 0.60% 0.70% 0.80% Fixed Rate Savings Issue 30 (Cash ISA) - Closed 12/09/18 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 0.85% 0.95% 1.05% Fixed Rate Savings Issue 29 Fixed Rate Savings Issue 29 - Closed 24/04/18 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 0.60% 0.70% 0.80% Fixed Rate Savings Issue 29 (Cash ISA) - Closed 24/04/18 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 0.65% 0.75% 0.85% Fixed Rate Savings Issue 28 Fixed Rate Savings Issue 28 - Closed 12/01/2018 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 0.60% 0.70% 0.80% Fixed Rate Savings Issue 28 (Cash ISA) - Closed 12/01/2018 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 0.65% 0.75% 0.85% Fixed Rate Savings Issue 27 Fixed Rate Savings Issue 27 - Closed 09/02/2017 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 0.70% 0.80% 0.90% Fixed Rate Savings Issue 27 (Cash ISA) - Closed 09/02/2017 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 0.80% 0.90% 1.00% Fixed Rate Savings Issue 26 Fixed Rate Savings Issue 26 - Closed 27/07/2016 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 1.00% 1.10% 1.40% Fixed Rate Savings Issue 26 (Cash ISA) - Closed 27/07/2016 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 1.10% 1.20% 1.30% Fixed Rate Savings Issue 25 Fixed Rate Savings Issue 25 - Closed 12/05/2016 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 1.00% 1.10% 1.40% Fixed Rate Savings Issue 25 (Cash ISA) - Closed 12/05/2016 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 1.40% 1.50% 1.60% Fixed Rate Savings Issue 24 Fixed Rate Savings Issue 24 - Closed 15/02/2016 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 1.00% 1.10% 1.40% Net 0.80% 0.88% 1.12% Fixed Rate Savings Issue 24 (Cash ISA) - Closed 15/02/2016 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 1.40% 1.50% 1.60% Fixed Rate Savings Issue 23 Fixed Rate Savings Issue 23 - Closed 27/07/2015 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 1.10% 1.25% 1.60% Net 0.88% 1.00% 1.28% Fixed Rate Savings Issue 23 (Cash ISA) - Closed 27/07/2015 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 1.40% 1.50% 1.60% Fixed Rate Savings Issue 22 Fixed Rate Savings Issue 22 - Closed 16/02/2015 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 1.20% 1.45% 1.80% Net 0.96% 1.16% 1.44% Fixed Rate Savings Issue 22 (Cash ISA) - Closed 16/02/2015 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 1.50% 1.65% 1.80% Fixed Rate Savings Issue 21 Fixed Rate Savings Issue 21 - Closed 07/08/2014 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 1.30% 1.55% 1.80% Net 1.04% 1.24% 1.44% Fixed Rate Savings Issue 21 (Cash ISA) - Closed 07/08/2014 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 1.50% 1.65% 1.80% Fixed Rate Savings Issue 20 Fixed Rate Savings Issue 20 - Closed 21/11/2013 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 1.40% 1.60% 1.80% Net 1.12% 1.28% 1.44% Fixed Rate Savings Issue 20 (Cash ISA) - Closed 21/11/2013 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 1.65% 1.75% 1.85% Fixed Rate Savings Issue 19 Fixed Rate Savings Issue 19 - Closed 19/06/2013 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 1.60% 1.70% 1.80% Net 1.28% 1.36% 1.44% Fixed Rate Savings Issue 19 (Cash ISA) - Closed 19/06/2013 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 1.65% 1.75% 1.85% Fixed Rate Savings Issue 18 Fixed Rate Savings Issue 18 - Closed 18/02/2013 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 1.80% 1.90% 2.00% Net 1.44% 1.52% 1.60% Fixed Rate Savings Issue 18 (Cash ISA) - Closed 18/02/2013 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 1.85% 1.95% 2.05% Fixed Rate Savings Issue 17 Fixed Rate Savings Issue 17 - Closed 22/01/2013 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 2.10% 2.30% 2.50% Net 1.68% 1.84% 2.00% Fixed Rate Savings Issue 17 (Cash ISA) - Closed 22/01/2013 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 2.35% 2.45% 2.55% Fixed Rate Savings Issue 16 Fixed Rate Savings Issue 16 - Closed 10/12/2012 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 2.30% 2.50% 2.70% Net 1.84% 2.00% 2.16% Fixed Rate Savings Issue 16 (Cash ISA) - Closed 10/12/2012 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 2.80% 2.90% 3.00% Fixed Rate Savings Issue 15 Fixed Rate Savings Issue 15 - Closed 07/11/2012 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 2.95% 3.10% 3.25% Net 2.36% 2.48% 2.60% Fixed Rate Savings Issue 15 (Cash ISA) - Closed 07/11/2012 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 2.95% 3.10% 3.25% Fixed Rate Savings Issue 14 Fixed Rate Savings Issue 14 - Closed 17/10/2012 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 3.10% 3.25% 3.50% Net 2.48% 2.60% 2.80% Fixed Rate Savings Issue 14 (Cash ISA) - Closed 17/10/2012 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 3.10% 3.25% 3.50% Fixed Rate Savings Issue 13 Fixed Rate Savings Issue 13 - Closed 01/08/2012 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 3.25% 3.50% 3.75% Net 2.60% 2.80% 3.00% Fixed Rate Savings Issue 13 (Cash ISA) - Closed 01/08/2012 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 3.25% 3.50% 3.75% Fixed Rate Savings Issue 12 Fixed Rate Savings Issue 12 - Closed 08/02/2012 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 3.10% 3.20% 3.50% Net 2.48% 2.56% 2.80% Fixed Rate Savings Issue 12 (Cash ISA) - Closed 08/02/2012 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 3.10% 3.20% 3.50% Fixed Rate Savings Issue 11 Fixed Rate Savings Issue 11 - Closed 07/09/2011 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 3.00% 3.20% 3.50% Net 2.40% 2.56% 2.80% Fixed Rate Savings Issue 11 (Cash ISA) - Closed 07/09/2011 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 3.00% 3.20% 3.50% Fixed Rate Savings Issue 10 Fixed Rate Savings Issue 10 - Closed 17/10/2010 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 2.50% 2.85% 3.25% Net 2.00% 2.28% 2.60% Fixed Rate Savings Issue 10 (Cash ISA) - Closed 17/10/2010 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 2.50% 2.85% 3.25% Fixed Rate Savings Issue 9 Fixed Rate Savings Issue 9 - Closed 05/04/2010 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 2.50% 3.00% 4.00% Net 2.00% 2.40% 3.20% Fixed Rate Savings Issue 9 (Cash ISA) - Closed 05/04/2010 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 2.50% 3.00% 4.00% Fixed Rate Savings Issue 8 Fixed Rate Savings Issue 8 - Closed 30/09/2009 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 1.50% 2.00% 3.00% Net 1.20% 1.60% 2.40% Fixed Rate Savings Issue 8 (Cash ISA) - Closed 30/09/2009 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 1.50% 2.00% 3.00% Fixed Rate Savings Issue 7 Fixed Rate Savings Issue 7 - Closed 21/04/2009 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 2.50% 2.75% 2.75% Net 2.00% 2.20% 2.20% Fixed Rate Savings Issue 7 (Cash ISA) - Closed 21/04/2009 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 2.50% 2.75% 2.75% Fixed Rate Savings Issue 6 Fixed Rate Savings Issue 6 - Closed 21/01/2009 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 2.75% 3.00% 3.25% Net 2.20% 2.40% 2.60% Fixed Rate Savings Issue 6 (Cash ISA) - Closed 21/01/2009 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 2.75% 3.00% 3.25% Fixed Rate Savings Issue 5 Fixed Rate Savings Issue 5 - Closed 26/11/2008 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 5.00% 4.50% 4.50% Net 4.00% 3.60% 3.60% Fixed Rate Savings Issue 5 (Cash ISA) - Closed 26/11/2008 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 5.00% 4.50% 4.50% Fixed Rate Savings Issue 4 Fixed Rate Savings Issue 4 - Closed 16/10/2008 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 6.01% 5.80% 5.70% Net 4.81% 4.64% 4.56% Fixed Rate Savings Issue 4 (Cash ISA) - Closed 16/10/2008 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 6.01% 5.80% 5.70% Fixed Rate Savings Issue 3 Fixed Rate Savings Issue 3 - Closed 02/07/2008 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 5.70% 5.50% 5.40% Net 4.56% 4.40% 4.32% Fixed Rate Savings Issue 3 (Cash ISA) - Closed 02/07/2008 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 5.70% 5.50% 5.40% Fixed Rate Savings Issue 2 Fixed Rate Savings Issue 2 - Closed 05/12/2007 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 6.16% 6.06% 6.00% Net 4.93% 4.85% 4.80% Fixed Rate Savings Issue 2 (Cash ISA) - Closed 05/12/2007 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 6.16% 6.06% 6.00% Fixed Rate Savings Issue 1 Fixed Rate Savings Issue 1 - Closed 19/06/2007 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Gross 5.40% 5.45% 5.55% Net 4.32% 4.36% 4.44% Fixed Rate Savings Issue 1 (Cash ISA) - Closed 19/06/2007 Interest 1 year fixed rate 2 year fixed rate 3 year fixed rate AER/Tax-Free 5.40% 5.45% 5.55% * AER is the annual equivalent rate and illustrates what the rate of interest would be if interest was paid and compounded on an annual basis. Gross is the rate of interest if interest was paid and not compounded each year. All credit interest will be paid gross. M&S Bank official page on Facebook M&S Bank official page on Twitter Internet Banking M&S Banking App Products M&S Credit Card M&S Personal loans M&S Club Rewards M&S Car Insurance M&S Pet Insurance M&S Travel Insurance M&S Home Insurance M&S Travel Money M&S Savings and Investments About us Contact us Find a Bureau Service status Careers Sitemap Legal Legal info M&S Bank Privacy Notice Cookie notice Accessibility This website is designed for use in the United Kingdom (UK) Cookies on this website We use cookies to help ensure that our website and services are able to function properly. These cookies are necessary and so are set automatically. We would also like to use some cookies to: make your visit more personal improve our website based on how you use it support our marketing These cookies are optional and you can choose which types you'd like to accept. 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