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Here’s the full range of C&G Savings accounts, with the interest rates we are currently paying.

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How much interest will I earn?
Find out how rewarding your savings can be

C&G Bonus Tracker

Main features

  • Operates by telephone, as well as letting you pay in money by post or at any C&G branch
  • Gives you access to your money without notice
  • Offers tiered interest rates - so the more you save, the more you earn
  • Rewards you with an attractive bonus for the first six months, with a bigger bonus for existing C&G mortgage customers
  • Lets you choose to have your interest paid annually or monthly

Learn more

Important information

Interest rates on this account

Current rates

Annual interest with bonus
Your savings amount Gross % iii AER % i Net % ii
£50,000+ 1.04 0.79^ 0.83
£25,000-£49,999 1.03 0.78^ 0.82
£10,000-£24,999 1.02 0.77^ 0.81
£1,000-£9,999 1.01 0.76^ 0.80
£100-£999^^ 0.50 0.50 0.40
Monthly interest with bonus
Your savings amount Gross % iii AER % i Net % ii
£50,000+ 1.03 0.79^ 0.82
£25,000-£49,999 1.02 0.78^ 0.82
£10,000-£24,999 1.01 0.77^ 0.81
£1,000-£9,999 1.00 0.76^ 0.80
£100-£999^^ 0.49 0.50 0.39
Annual interest with loyalty bonus
Your savings amount Gross % iii AER % i Net % ii
£50,000+ 1.14 0.84^ 0.91
£25,000-£49,999 1.13 0.83^ 0.90
£10,000-£24,999 1.12 0.82^ 0.89
£1,000-£9,999 1.11 0.81^ 0.88
£100-£999^^ 0.50 0.50 0.40
Monthly interest with loyalty bonus
Your savings amount Gross % iii AER % i Net % ii
£50,000+ 1.13 0.84^ 0.90
£25,000-£49,999 1.12 0.83^ 0.89
£10,000-£24,999 1.11 0.82^ 0.89
£1,000-£9,999 1.10 0.81^ 0.88
£100-£999^^ 0.49 0.50 0.39
Annual interest without bonus
Your savings amount Gross % iii AER % i Net % ii
£50,000+ 0.54 0.54 0.43
£25,000-£49,999 0.53 0.53 0.42
£10,000-£24,999 0.52 0.52 0.41
£1,000-£9,999 0.51 0.51 0.40
£100-£999^^ 0.50 0.50 0.40
Monthly interest without bonus
Your savings amount Gross % iii AER % i Net % ii
£50,000+ 0.53 0.54 0.43
£25,000-£49,999 0.52 0.53 0.42
£10,000-£24,999 0.51 0.52 0.41
£1,000-£9,999 0.50 0.51 0.40
£100-£999^^ 0.49 0.50 0.39

At the end of the six-month introductory bonus period, rates without bonus apply.

Interest rates effective from 01/04/09

Previous rates

Annual interest with bonus
Your savings amount Gross % iii AER % i Net % ii
£50,000+ 1.10 0.85^ 0.88
£25,000-£49,999 1.03 0.78^ 0.82
£10,000-£24,999 1.02 0.77^ 0.81
£1,000-£9,999 1.01 0.76^ 0.80
£100-£999^^ 0.50 0.50 0.40
Monthly interest with bonus
Your savings amount Gross % iii AER % i Net % ii
£50,000+ 1.09 0.85^ 0.87
£25,000-£49,999 1.02 0.78^ 0.82
£10,000-£24,999 1.01 0.77^ 0.81
£1,000-£9,999 1.00 0.76^ 0.80
£100-£999^^ 0.49 0.50 0.39
Annual interest with loyalty bonus
Your savings amount Gross % iii AER % i Net % ii
£50,000+ 1.20 0.90^ 0.96
£25,000-£49,999 1.13 0.83 0.90
£10,000-£24,999 1.12 0.82 0.89
£1,000-£9,999 1.11 0.81^ 0.88
£100-£999^^ 0.50 0.50 0.40
Monthly interest with loyalty bonus
Your savings amount Gross % iii AER % i Net % ii
£50,000+ 1.19 0.90^ 0.95
£25,000-£49,999 1.12 0.83^ 0.89
£10,000-£24,999 1.11 0.82^ 0.89
£1,000-£9,999 1.10 0.81^ 0.88
£100-£999^^ 0.49 0.50 0.39
Annual interest without bonus
Your savings amount Gross % iii AER % i Net % ii
£50,000+ 0.60 0.60 0.48
£25,000-£49,999 0.53 0.53 0.42
£10,000-£24,999 0.52 0.52 0.41
£1,000-£9,999 0.51 0.51 0.40
£100-£999^^ 0.50 0.50 0.40
Monthly interest without bonus
Your savings amount Gross % iii AER % i Net % ii
£50,000+ 0.59 0.60 0.47
£25,000-£49,999 0.52 0.53 0.42
£10,000-£24,999 0.51 0.52 0.41
£1,000-£9,999 0.50 0.51 0.40
£100-£999^^ 0.49 0.50 0.39

Interest rates effective from 01/03/09



C&G Cash ISA

Main features

  • Tax-free saving in this cash ISA
  • Open with £1 or more or by transferring in cash ISA savings from previous tax years
  • Once opened you can transfer additional cash ISA savings from previous tax years into the account
  • No notice access to your money
  • Accounts open from 8 March 2010 will receive a bonus for the first 12 months following account opening

Learn more

Important information

Interest rates on this account

Current rates

Annual Interest with bonus
Your savings amount Tax free % iv AER % i
£1+ 2.70 2.70
Monthly Interest with bonus
Your savings amount Tax free % iv AER % i
£1+ 2.67 2.70
Annual interest without bonus
Your savings amount Tax free % iv AER % i
£1+ 1.00 1.00
Monthly interest without bonus
Your savings amount Tax free % iv AER % i
£1+ 0.99 1.00

Interest rates effective from 08/03/10

Previous rates

Annual Interest
Your savings amount Tax free % iv AER % i
£100+ 0.05 0.05
Monthly Interest
Your savings amount Tax free % iv AER % i
£100+ 0.04 0.05

Interest rates effective from 01/04/09



C&G Cheltenham Gold

Main features

  • Branch-based with a passbook.
  • Lets you add and withdraw money in cash (up to £1,000 a day) or by cheque at any C&G branch or through the post.
  • Gives you instant access to your money and free withdrawals.
  • Lets you choose to have your interest paid annually or monthly.
  • Accounts opened from 9 November will receive a bonus for the first twelve months following account opening.

Learn more

Important information

Interest rates on this account

Current rates

Annual Interest - With Bonus
Your savings amount Gross % iii AER % i Net % ii
£25,000+ 2.00 2.00 1.60
£10,000 - £24,999 1.95 1.95 1.56
£0 - £9,999 1.90 1.90 1.52
Monthly Interest - With Bonus
Your savings amount Gross % iii AER % i Net % ii
£25,000+ 1.98 2.00 1.58
£10,000 - £24,999 1.93 1.95 1.54
£0 - £9,999 1.88 1.90 1.50
Annual interest - Without Bonus
Your savings amount Gross % iii AER % i Net % ii
£25,000+ 0.50 0.50 0.40
£10,000 - £24,999 0.45 0.45 0.36
£0 - £9,999 0.40 0.40 0.32
Monthly interest - Without Bonus
Your savings amount Gross % iii AER % i Net % ii
£25,000+ 0.49 0.50 0.39
£10,000 - £24,999 0.44 0.45 0.35
£0 - £9,999 0.39 0.40 0.31

At the end of the twelve-month introductory bonus period, rates without bonus apply.

Interest rates effective from 09/11/09

Previous rates

Annual Interest
Your savings amount Gross % iii AER % i Net % ii
£25,000+ 0.07 0.07 0.05
£10,000 - £24,999 0.06 0.06 0.04
£0 - £9,999 0.05 0.05 0.04
Monthly Interest
Your savings amount Gross % iii AER % i Net % ii
£25,000+ 0.06 0.07 0.05
£10,000 - £24,999 0.05 0.06 0.04
£0 - £9,999 0.04 0.05 0.03

Interest rates effective from 01/04/09



C&G Direct Transfer

Main features

  • Open with £100 or more
  • Operates by telephone, as well as letting you pay in money by post or at any C&G branch
  • Gives you access to your money without notice
  • Offers tiered interest rates - so the more you save, the more you earn
  • Lets you choose to have your interest paid annually or monthly

Learn more

Important information

Interest rates on this account

Current rates

Annual Interest
Your savings amount Gross % iii AER % i Net % ii
£50,000+ 0.08 0.08 0.06
£25,000-£49,999 0.07 0.07 0.05
£10,000-£24,999 0.06 0.06 0.04
£100-£9,999 0.05 0.05 0.04
Monthly Interest
Your savings amount Gross % iii AER % i Net % ii
£50,000+ 0.07 0.08 0.06
£25,000-£49,999 0.06 0.07 0.05
£10,000-£24,999 0.05 0.06 0.04
£100-£9,999 0.04 0.05 0.03

Interest rates effective from 01/04/09

Previous rates

Annual Interest
Your savings amount Gross % iii AER % i Net % ii
£50,000+ 0.13 0.13 0.10
£25,000-£49,999 0.12 0.12 0.09
£10,000-£24,999 0.11 0.11 0.08
£100-£9,999 0.10 0.10 0.08
Monthly Interest
Your savings amount Gross % iii AER % i Net % ii
£50,000+ 0.12 0.13 0.10
£25,000-£49,999 0.11 0.12 0.09
£10,000-£24,999 0.10 0.11 0.08
£100-£9,999 0.09 0.10 0.07

Interest rates effective from 01/03/09



C&G One Year Fixed Rate Bond – Issue 66

Main Features

  • One-Year Fixed-Rate Bond Issue 66
  • Open an account with £500 or more
  • Emergency withdrawal facility – subject to a charge equivalent to 120 days’ gross interest on the amount withdrawn
  • Fixed interest rate until 31 October 2011

Learn more

Important information

Interest rates on this account

Current rates

Annual interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 2.05 2.05 1.64
Monthly interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 2.03 2.05 1.62

Interest rates effective from 31/08/10

Previous rates

Not applicable


C&G Two Year Fixed Rate Bond – Issue 67

Main Features

  • Two Year Fixed Rate Bond Issue 67
  • Open an account with £500 or more
  • Emergency withdrawal facility – subject to a charge equivalent to 120 days’ gross interest on the amount withdrawn
  • Fixed interest rate until 31 October 2012

Learn more

Important information

Interest rates on this account

Current rates

Annual interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 3.05 3.05 2.44
Monthly interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 3.00 3.05 2.40

Interest rates effective from 31/08/10

Previous rates

Not applicable


C&G London Account

Main features

  • Open with £100 or more
  • Operates by post, as well as letting you pay in money at any C&G branch
  • Gives you access to your money without notice and free withdrawals
  • Offers tiered interest rates – so the more you save, the more you earn
  • Lets you choose to have your interest paid annually or monthly

Learn more

Important information

Interest rates on this account

Current rates

Annual Interest
Your savings amount Gross % iii AER % i Net % ii
£100,000+ 0.08 0.08 0.06
£25,000-£99,999 0.07 0.07 0.05
£10,000-£24,999 0.06 0.06 0.04
£0-£9,999 0.05 0.05 0.04
Monthly Interest
Your savings amount Gross % iii AER % i Net % ii
£100,000+ 0.07 0.08 0.06
£25,000-£99,999 0.06 0.07 0.05
£10,000-£24,999 0.05 0.06 0.04
£0-£9,999 0.04 0.05 0.03

Interest rates effective from 01/04/09

Previous rates

Annual Interest
Your savings amount Gross % iii AER % i Net % ii
£100,000+ 0.13 0.13 0.10
£25,000-£99,999 0.12 0.12 0.09
£10,000-£24,999 0.11 0.11 0.08
£0-£9,999 0.10 0.10 0.08
Monthly Interest
Your savings amount Gross % iii AER % i Net % ii
£100,000+ 0.12 0.13 0.10
£25,000-£99,999 0.11 0.12 0.09
£10,000-£24,999 0.10 0.11 0.08
£0-£9,999 0.09 0.10 0.07

Interest rates effective from 01/03/09



C&G Reserve Account

Main features

  • Available to existing C&G savings customers who have a C&G savings account and have been a C&G savings account holder for 6 months or longer
  • Open with £10,000 or more
  • Accounts opened from 8 June 2009 will receive a bonus for the first nine months following account opening
  • No-notice access to your money
  • Three free withdrawals each year (further withdrawals are subject to a charge equivalent to 45 days' gross interest on the amount withdrawn)
  • Phone-operated, plus you can pay-in at any C&G branch or by post

Learn more

Important information

Interest rates on this account

Current rates

Accounts opened from 8 June 2009 - annual interest includes 1.70% bonus for the first 9 months

Annual interest
Your savings amount Gross % iii AER % i Net % ii
£10,000+ 2.50 2.07~ 2.00
£100-£9,999^^ 0.50 0.50 0.40
Monthly interest
Your savings amount Gross % iii AER % i Net % ii
£10,000+ 2.47 2.07~ 1.97
£100-£9,999^^ 0.49 0.50 0.39
Accounts opened before 8 June 2009 - annual interest includes 0.85% bonus for the first 6 months

Annual interest
Your savings amount Gross % iii AER % i Net % ii
£10,000+ 1.65 1.22^ 1.32
£100-£9,999^^ 0.50 0.50 0.40
Monthly interest
Your savings amount Gross % iii AER % i Net % ii
£10,000+ 1.63 1.22^ 1.31
£100-£9,999^^ 0.49 0.50 0.39
At the end of the introductory bonus period - rates without bonus apply

Annual interest
Your savings amount Gross % iii AER % i Net % ii
£10,000+ 0.80 0.80 0.64
£100 - £9,999^^ 0.50 0.50 0.40
Monthly interest
Your savings amount Gross % iii AER % i Net % ii
£10,000+ 0.79 0.80 0.63
£100 - £9,999^^ 0.49 0.50 0.39

C&G Reserve Account changes effective from 08/06/09.

Interest rates effective from 01/04/09

Previous rates

Effective 1 April 2009 - annual interest includes a 0.85% bonus for the first six months

Annual interest
Your savings amount Gross % iii AER % i Net % ii
£50,000+ 1.65 1.22^ 1.32
£100-£49,999^^ 0.50 0.50 0.40
Monthly interest
Your savings amount Gross % iii AER % i Net % ii
£50,000+ 1.63 1.22^ 1.31
£100-£49,999^^ 0.49 0.50 0.39
At the end of the introductory bonus period - rates without bonus apply

Annual interest
Your savings amount Gross % iii AER % i Net % ii
£50,000+ 0.80 0.80 0.64
£100-£49,999^^ 0.50 0.50 0.40
Monthly interest
Your savings amount Gross % iii AER % i Net % ii
£50,000+ 0.79 0.80 0.63
£100-£49,999^^ 0.49 0.50 0.39
Effective 1 March 2009 - annual interest includes a 0.85% bonus for the first six months

Annual interest
Your savings amount Gross % iii AER % i Net % ii
£50,000+ 2.15 1.72^ 1.72
£100 - £49,999 0.50 0.50 0.40
Monthly interest
Your savings amount Gross % iii AER % i Net % ii
£50,000+ 2.12 1.72^ 1.70
£100 - £49,999 0.49 0.50 0.39
At the end of the introductory bonus period - rates without bonus apply

Annual interest
Your savings amount Gross % iii AER % i Net % ii
£50,000 1.30 1.30 1.04
£100 - £49,999 0.50 0.50 0.40
Monthly interest
Your savings amount Gross % iii AER % i Net % ii
£50,000 1.29 1.30 1.03
£100 - £49,999 0.49 0.50 0.39

Interest rates effective from 01/03/09



C&G Reward Saver

Main features

  • An account that operates by post and telephone, plus you can pay-in money at any C&G branch
  • No-notice access to your money
  • Tiered interest rates - the more you save, the more you earn
  • Attractive bonus for the first six months
  • You can open an account with £1,000 or more

Learn more

Important information

Interest rates on this account

Current rates

Annual Interest with bonus: 0-2 withdrawals
Your savings amount Gross % iii AER % i Net % ii
£25,000+ 1.50 1.15^ 1.20
£1,000-£24,999 1.23 0.88^ 0.98
£0-£999^^ 0.50 0.50 0.40
Annual Interest with bonus: 3-6 withdrawals
Your savings amount Gross % iii AER % i Net % ii
£25,000+ 1.23 0.88^ 0.98
£1,000-£24,999 1.22 0.87^ 0.97
£0-£999^^ 0.50 0.50 0.40
Annual Interest with bonus: 7-12 withdrawals
Your savings amount Gross % iii AER % i Net % ii
£25,000+ 1.22 0.87^ 0.97
£1,000-£24,999 1.21 0.86^ 0.96
£0-£999^^ 0.50 0.50 0.40
Annual Interest with bonus: 13+ withdrawals#
Your savings amount Gross % iii AER % i Net % ii
£25,000+ 0.50 0.50 0.40
£1,000-£24,999 0.50 0.50 0.40
£0-£999 0.50 0.50 0.40
Annual Interest without bonus: 0-2 withdrawals
Your savings amount Gross % iii AER % i Net % ii
£25,000+ 0.80 0.80 0.64
£1,000-£24,999 0.53 0.53 0.42
£0-£999^^ 0.50 0.50 0.40
Annual Interest without bonus: 3-6 withdrawals
Your savings amount Gross % iii AER % i Net % ii
£25,000+ 0.53 0.53 0.42
£1,000-£24,999 0.52 0.52 0.41
£0-£999^^ 0.50 0.50 0.40
Annual Interest without bonus: 7-12 withdrawals
Your savings amount Gross % iii AER % i Net % ii
£25,000+ 0.52 0.52 0.41
£1,000-£24,999 0.51 0.51 0.40
£0-£999^^ 0.50 0.50 0.40
Annual Interest without bonus: 13+ withdrawals#
Your savings amount Gross % iii AER % i Net % ii
£25,000+ 0.50 0.50 0.40
£1,000-£24,999 0.50 0.50 0.40
£0-£999 0.50 0.50 0.40

At the end of the six-month introductory bonus period, rates without bonus apply.

Interest rates effective from 01/04/09

Previous rates

Annual Interest with bonus: 0-2 withdrawals
Your savings amount Gross % iii AER % i Net % ii
£25,000+ 2.00 1.65^ 1.60
£1,000-£24,999 1.35 1.00^ 1.08
£0-£999^^ 0.50 0.50 0.40
Annual Interest with bonus: 3-6 withdrawals
Your savings amount Gross % iii AER % i Net % ii
£25,000+ 1.35 1.00^ 1.08
£1,000-£24,999 1.30 0.95^ 1.04
£0-£999^^ 0.50 0.50 0.40
Annual Interest with bonus: 7-12 withdrawals
Your savings amount Gross % iii AER % i Net % ii
£25,000+ 1.30 0.95^ 1.04
£1,000-£24,999 1.25 0.90^ 1.00
£0-£999^^ 0.50 0.50 0.40
Annual Interest with bonus: 13+ withdrawals#
Your savings amount Gross % iii AER % i Net % ii
£25,000+ 0.50 0.50 0.40
£1,000-£24,999 0.50 0.50 0.40
£0-£999 0.50 0.50 0.40
Annual Interest without bonus: 0-2 withdrawals
Your savings amount Gross % iii AER % i Net % ii
£25,000+ 1.30 1.30 1.04
£1,000-£24,999 0.65 0.65 0.52
£0-£999^^ 0.50 0.50 0.40
Annual Interest without bonus: 3-6 withdrawals
Your savings amount Gross % iii AER % i Net % ii
£25,000+ 0.65 0.65 0.52
£1,000-£24,999 0.60 0.60 0.48
£0-£999^^ 0.50 0.50 0.40
Annual Interest without bonus: 7-12 withdrawals
Your savings amount Gross % iii AER % i Net % ii
£25,000+ 0.60 0.60 0.48
£1,000-£24,999 0.55 0.55 0.44
£0-£999^^ 0.50 0.50 0.40
Annual Interest without bonus: 13+ withdrawals#
Your savings amount Gross % iii AER % i Net % ii
£25,000+ 0.50 0.50 0.40
£1,000-£24,999 0.50 0.50 0.40
£0-£999 0.50 0.50 0.40

Interest rates effective from 01/03/09



C&G Young Investor

Main features

  • Branch-based with a passbook
  • Interest rate guaranteed to be no lower than 1% below the Bank of England base rate
  • Instant access withdrawals, which must be for the child’s benefit, at any C&G branch
  • Interest is paid annually
  • A special gift for the child – an alarm clock to get them going in the morning and a moneybox to help them save

Learn more

Important information

Interest rates on this account

Current rates

Annual Interest
Your savings amount Gross % iii AER % i Net % ii
£0+ 0.05 0.05 0.04

Interest rates effective from 01/04/09

Previous rates

Annual Interest
Your savings amount Gross % iii AER % i Net % ii
£0+ 0.35 0.35 0.28

Interest rates effective from 01/03/09



C&G 90-Day Account

Interest rates on this account

Current rates

Annual Interest
Your savings amount Gross % iii AER % i Net % ii
£100,000+ 0.08 0.08 0.06
£25,000-£99,999 0.07 0.07 0.05
£10,000-£24,999 0.06 0.06 0.04
£100-£9,999 0.05 0.05 0.04
Monthly Interest
Your savings amount Gross % iii AER % i Net % ii
£100,000+ 0.07 0.08 0.06
£25,000-£99,999 0.06 0.07 0.05
£10,000-£24,999 0.05 0.06 0.04
£0-£9,999 0.04 0.05 0.03

Interest rates effective from 01/04/09

Previous rates

Annual Interest
Your savings amount Gross % iii AER % i Net % ii
£100,000+ 0.13 0.13 0.10
£25,000-£99,999 0.12 0.12 0.09
£10,000-£24,999 0.11 0.11 0.08
£0-£9,999 0.10 0.10 0.08
Monthly Interest
Your savings amount Gross % iii AER % i Net % ii
£100,000+ 0.12 0.13 0.10
£25,000-£99,999 0.11 0.12 0.09
£10,000-£24,999 0.10 0.11 0.08
£0-£9,999 0.09 0.10 0.07

Interest rates effective from 01/03/09



C&G Branch 10

Interest rates on this account

Current rates

Annual Interest
Your savings amount Gross % iii AER % i Net % ii
£1,000+ 0.06 0.06 0.04
£0-£999 0.05 0.05 0.04
Monthly Interest
Your savings amount Gross % iii AER % i Net % ii
£1,000+ 0.05 0.06 0.04
£0-£999 0.04 0.05 0.03

Interest rates effective from 01/04/09

Previous rates

Annual Interest
Your savings amount Gross % iii AER % i Net % ii
£1,000+ 0.11 0.11 0.08
£0-£999 0.10 0.10 0.08
Monthly Interest
Your savings amount Gross % iii AER % i Net % ii
£1,000+ 0.10 0.11 0.08
£0-£999 0.09 0.10 0.07

Interest rates effective from 01/03/09



C&G Two-Year Fixed-Rate ISA - Issue 2

Main features

  • Fixed until 30 June 2011

Interest rates on this account

Current rates

Annual Interest
Your savings amount Tax free % iv AER % i
£30,000+ 3.50 3.50
£15,000-£29,999 3.00 3.00
£100-£14,999 2.50 2.50
Monthly Interest
Your savings amount Tax free % iv AER % i
£30,000+ 3.44 3.50
£15,000-£29,999 2.95 3.00
£100-£14,999 2.47 2.50

Interest rates effective from 02/03/09

Previous rates

Not Applicable


C&G Two-Year Fixed-Rate ISA - Issue 3

Main features

  • Fixed until 30 November 2011

Interest rates on this account

Current rates

Annual Interest
Your savings amount Tax free % iv AER % i
£100+ 3.75 3.75
Monthly Interest
Your savings amount Tax free % iv AER % i
£100+ 3.68 3.75

Interest rates effective from 28/09/09

Previous rates

Not Applicable


C&G Two-Year Fixed-Rate ISA - Issue 4

Main features

  • Fixed until 31 January 2012

Interest rates on this account

Current rates

Annual Interest
Your savings amount Tax free % iv AER % i
£100+ 3.50 3.50
Monthly Interest
Your savings amount Tax free % iv AER % i
£100+ 3.44 3.50

Interest rates effective from 02/12/09

Previous rates

Not Applicable


C&G Fixed Rate ISA - Issue 5

Main features

  • Fixed until 30 June 2012

Interest rates on this account

Current rates

Annual Interest
Your savings amount Tax free % iv AER % i
£100+ 3.50 3.50
Monthly Interest
Your savings amount Tax free % iv AER % i
£100+ 3.44 3.50

Interest rates effective from 01/03/10

Previous rates

Not Applicable


C&G Direct 30

Interest rates on this account

Current rates

Annual Interest
Your savings amount Gross % iii AER % i Net % ii
£100,000+ 0.08 0.08 0.06
£25,000-£99,999 0.07 0.07 0.05
£10,000-£24,999 0.06 0.06 0.04
£100-£9,999 0.05 0.05 0.04
Monthly Interest
Your savings amount Gross % iii AER % i Net % ii
£100,000+ 0.07 0.08 0.06
£25,000-£99,999 0.06 0.07 0.05
£10,000-£24,999 0.05 0.06 0.04
£100-£9,999 0.04 0.05 0.03

Interest rates effective from 01/04/09

Previous rates

Annual Interest
Your savings amount Gross % iii AER % i Net % ii
£100,000+ 0.13 0.13 0.10
£25,000-£99,999 0.12 0.12 0.09
£10,000-£24,999 0.11 0.11 0.08
£100-£9,999 0.10 0.10 0.08
Monthly Interest
Your savings amount Gross % iii AER % i Net % ii
£100,000+ 0.12 0.13 0.10
£25,000-£99,999 0.11 0.12 0.09
£10,000-£24,999 0.10 0.11 0.08
£100-£9,999 0.09 0.10 0.07

Interest rates effective from 01/03/09



C&G Fixed Rate Bond - Issue 43

Main features

  • Fixed interest rate until 18 February 2010

Interest rates on this account

Current rates

Annual Interest
Your savings amount Gross % iii AER % i Net % ii
£100,000+ 4.00 4.00 3.20
£50,000-£99,999 3.50 3.50 2.80
£100-£49,999 3.00 3.00 2.40
Monthly Interest
Your savings amount Gross % iii AER % i Net % ii
£100,000+ 3.92 4.00 3.14
£50,000-£99,999 3.44 3.50 2.75
£100-£49,999 2.95 3.00 2.36

Interest rates effective from 15/12/08

Previous rates

Not Applicable


C&G One Year Fixed Rate Bond - Issue 44

Main features

  • Fixed interest rate until 31 March 2010

Interest rates on this account

Current rates

Annual Interest
Your savings amount Gross % iii AER % i Net % ii
£100,000+ 2.25 2.25 1.80
£50,000-£99,999 1.75 1.75 1.40
£100-£49,999 1.50 1.50 1.20
Monthly Interest
Your savings amount Gross % iii AER % i Net % ii
£100,000+ 2.22 2.25 1.78
£50,000-£99,999 1.73 1.75 1.38
£100-£49,999 1.48 1.50 1.19

Interest rates effective from 02/02/09

Previous rates

Not Applicable


C&G Two Year Fixed Rate Bond - Issue 45

Main features

  • Fixed interest rate until 28 February 2011

Interest rates on this account

Current rates

Annual Interest
Your savings amount Gross % iii AER % i Net % ii
£100,000+ 3.00 3.00 2.40
£50,000-£99,999 2.50 2.50 2.00
£100-£49,999 2.00 2.00 1.60
Monthly Interest
Your savings amount Gross % iii AER % i Net % ii
£100,000+ 2.95 3.00 2.36
£50,000-£99,999 2.47 2.50 1.97
£100-£49,999 1.98 2.00 1.58

Interest rates effective from 02/02/09

Previous rates

Not Applicable


C&G One Year Fixed Rate Bond - Issue 46

Main features

  • Fixed interest rate until 27 May 2010

Interest rates on this account

Current rates

Annual Interest
Your savings amount Gross % iii AER % i Net % ii
£50,000 + 2.75 2.75 2.20
£100-£49,999 2.50 2.50 2.00
Monthly Interest
Your savings amount Gross % iii AER % i Net % ii
£50,000 + 2.71 2.75 2.17
£100-£49,999 2.47 2.50 1.97

Interest rates effective from 27/04/09

Previous rates

Not Applicable


C&G One-Year Fixed Rate Bond – Issue 47

Main Features

  • Fixed interest rate until 4 August 2010

Interest rates on this account

Current rates

Annual interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 3.50 3.50 2.80
Monthly interest
Your savings amount Gross % iii AER % i Net % ii
£100 3.44 3.50 2.75

Interest rates effective from 01/06/09

Previous rates

Not applicable


C&G Two-Year Fixed Rate Bond – Issue 48

Main Features

  • Fixed interest rate until 4 August 2011

Interest rates on this account

Current rates

Annual interest
Your savings amount Gross % iii AER % i Net % ii
£50,000+ 4.05 4.05 3.24
£100 - £49,999 3.80 3.80 3.04
Monthly interest
Your savings amount Gross % iii AER % i Net % ii
£50,000+ 3.97 4.05 3.18
£100 - £49,999 3.73 3.80 2.98

Interest rates effective from 01/06/09

Previous rates

Not applicable


C&G One-Year Fixed Rate Bond – Issue 49

Main Features

  • Fixed interest rate until 29 September 2010

Interest rates on this account

Current rates

Annual interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 3.50 3.50 2.80
Monthly interest
Your savings amount Gross % iii AER % i Net % ii
£100 3.44 3.50 2.75

Interest rates effective from 10/08/09

Previous rates

Not applicable


C&G Two-Year Fixed Rate Bond – Issue 50

Main Features

  • Fixed interest rate until 29 September 2011

Interest rates on this account

Current rates

Annual interest
Your savings amount Gross % iii AER % i Net % ii
£50,000+ 4.05 4.05 3.24
£100 - £49,999 3.80 3.80 3.04
Monthly interest
Your savings amount Gross % iii AER % i Net % ii
£50,000+ 3.97 4.05 3.18
£100 - £49,999 3.73 3.80 2.98

Interest rates effective from 10/08/09

Previous rates

Not applicable


C&G One Year Fixed Rate Bond – Issue 51

Main Features

  • Fixed interest rate until 15 December 2010

Interest rates on this account

Current rates

Annual interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 3.50 3.50 2.80
Monthly interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 3.44 3.50 2.75

Interest rates effective from 14/10/09

Previous rates

Not applicable


C&G Two Year Fixed Rate Bond – Issue 52

Main Features

  • Fixed interest rate until 14 December 2011

Interest rates on this account

Current rates

Annual interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 4.20 4.20 3.36
Monthly interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 4.12 4.20 3.29

Interest rates effective from 14/10/09

Previous rates

Not applicable


C&G One Year Fixed Rate Bond – Issue 53

Main Features

  • Fixed interest rate until 12 January 2011

Interest rates on this account

Current rates

Annual interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 3.25 3.25 2.60
Monthly interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 3.20 3.25 2.56

Interest rates effective from 30/11/09

Previous rates

Not applicable


C&G Two Year Fixed Rate Bond – Issue 54

Main Features

  • Fixed interest rate until 11 January 2012

Interest rates on this account

Current rates

Annual interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 4.10 4.10 3.28
Monthly interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 4.02 4.10 3.21

Interest rates effective from 30/11/09

Previous rates

Not applicable


C&G One Year Fixed Rate Bond – Issue 55

Main Features

  • Fixed interest rate until 28 February 2011

Interest rates on this account

Current rates

Annual interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 2.80 2.80 2.24
Monthly interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 2.76 2.80 2.21

Interest rates effective from 14/01/10

Previous rates

Not applicable


C&G Two Year Fixed Rate Bond – Issue 56

Main Features

  • Fixed interest rate until 29 February 2012

Interest rates on this account

Current rates

Annual interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 4.00 4.00 3.20
Monthly interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 3.92 4.00 3.14

Interest rates effective from 14/01/10

Previous rates

Not applicable


C&G One Year Fixed Rate Bond – Issue 58

Main Features

  • One-Year Fixed-Rate Bond Issue 58
  • Open an account with £500 or more
  • Emergency withdrawal facility – subject to a charge equivalent to 120 days’ gross interest on the amount withdrawn
  • Fixed interest rate until 26 April 2011

Interest rates on this account

Current rates

Annual interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 2.50 2.50 2.00
Monthly interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 2.47 2.50 1.97

Interest rates effective from 08/03/10

Previous rates

Not applicable


C&G Two Year Fixed Rate Bond – Issue 59

Main Features

  • Two Year Fixed Rate Bond Issue 59
  • Open an account with £500 or more
  • Emergency withdrawal facility – subject to a charge equivalent to 120 days’ gross interest on the amount withdrawn
  • Fixed interest rate until 26 April 2012

Interest rates on this account

Current rates

Annual interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 3.75 3.75 3.00
Monthly interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 3.68 3.75 2.94

Interest rates effective from 08/03/10

Previous rates

Not applicable


C&G One Year Fixed Rate Bond – Issue 60

Main Features

  • Fixed interest rate until 26 May 2011

Interest rates on this account

Current rates

Annual interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 2.25 2.25 1.80
Monthly interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 2.22 2.25 1.78

Interest rates effective from 12/04/10

Previous rates

Not applicable


C&G Two Year Fixed Rate Bond – Issue 61

Main Features

  • Fixed interest rate until 29 May 2012

Interest rates on this account

Current rates

Annual interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 3.50 3.50 2.80
Monthly interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 3.44 3.50 2.75

Interest rates effective from 12/04/10

Previous rates

Not applicable


C&G One Year Fixed Rate Bond – Issue 62

Main Features

  • One-Year Fixed-Rate Bond Issue 62
  • Fixed interest rate until 19 July 2011

Interest rates on this account

Current rates

Annual interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 2.05 2.05 1.64
Monthly interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 2.03 2.05 1.62

Interest rates effective from 01/06/10

Previous rates

Not applicable


C&G Two Year Fixed Rate Bond – Issue 63

Main Features

  • Two Year Fixed Rate Bond Issue 63
  • Fixed interest rate until 19 July 2012

Interest rates on this account

Current rates

Annual interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 3.05 3.05 2.44
Monthly interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 3.00 3.05 2.40

Interest rates effective from 01/06/10

Previous rates

Not applicable


C&G One Year Fixed Rate Bond – Issue 64

Main Features

  • One-Year Fixed-Rate Bond Issue 64
  • Fixed interest rate until 22 August 2011

Interest rates on this account

Current rates

Annual interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 2.05 2.05 1.64
Monthly interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 2.03 2.05 1.62

Interest rates effective from 07/07/10

Previous rates

Not applicable


C&G Two Year Fixed Rate Bond – Issue 65

Main Features

  • Two Year Fixed Rate Bond Issue 65
  • Fixed interest rate until 22 August 2012

Interest rates on this account

Current rates

Annual interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 3.05 3.05 2.44
Monthly interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 3.00 3.05 2.40

Interest rates effective from 07/07/10

Previous rates

Not applicable


C&G Golden Term Account

Interest rates on this account

Current rates

Annual Interest
Your savings amount Gross % iii AER % i Net % ii
£25,000+ 3.00 3.00 2.40
£0-£24,999 2.95 2.95 2.36
Monthly Interest
Your savings amount Gross % iii AER % i Net % ii
£25,000+ 2.95 3.00 2.36
£0-£24,999 2.91 2.95 2.32

Interest rates effective from 09/11/09

Previous rates

Annual Interest
Your savings amount Gross % iii AER % i Net % ii
£25,000+ 2.62 2.62 2.09
£0-£24,999 2.61 2.61 2.08
Monthly Interest
Your savings amount Gross % iii AER % i Net % ii
£25,000+ 2.58 2.62 2.07
£0-£24,999 2.57 2.61 2.06

Interest rates effective from 01/04/09



C&G Guaranteed Branch Saver

Main features

  • A rate guarantee until 1 July 2011

Interest rates on this account

Current rates

Annual Interest
Your savings amount Gross % iii AER % i Net % ii
£0+ 0.75 0.68== 0.60
Monthly Interest
Your savings amount Gross % iii AER % i Net % ii
£0+ 0.74 0.68== 0.59

Interest rates effective from 01/04/09

Previous rates

Annual Interest
Your savings amount Gross % iii AER % i Net % ii
£0+ 1.25 1.14== 1.00
Monthly Interest
Your savings amount Gross % iii AER % i Net % ii
£0+ 1.24 1.14== 0.99

Interest rates effective from 01/03/09



C&G Instant Transfer Account

Interest rates on this account

Current rates

Annual Interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 0.05 0.05 0.04
Monthly Interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 0.04 0.05 0.03

Interest rates effective from 01/04/09

Previous rates

Annual Interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 0.10 0.10 0.08
Monthly Interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 0.09 0.10 0.07

Interest rates effective from 01/03/09



C&G Investment Account

Interest rates on this account

Current rates

Half-Yearly Interest
Your savings amount Gross % iii AER % i Net % ii
£25,000+ 0.07 0.07 0.05
£10,000-£24,999 0.06 0.06 0.04
£0-£9,999 0.05 0.05 0.04

Interest rates effective from 01/04/09

Previous rates

Half-Yearly Interest
Your savings amount Gross % iii AER % i Net % ii
£25,000+ 0.12 0.12 0.09
£10,000-£24,999 0.11 0.11 0.08
£0-£9,999 0.10 0.10 0.08

Interest rates effective from 01/03/09



C&G Tracker Account

Interest rates on this account

Current rates

Annual Interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 0.10 0.10 0.08
Monthly Interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 0.09 0.10 0.07

Interest rates effective from 01/04/09

Previous rates

Annual Interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 0.60 0.60 0.48
Monthly Interest
Your savings amount Gross % iii AER % i Net % ii
£100+ 0.59 0.60 0.47

Interest rates effective from 01/03/09



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

ii Net interest is paid or credited after deduction of income tax at the lower rate of 20%.

iii Gross interest is the rate payable before the deduction of income tax and can only be paid or credited subject to the required certification. Interest cannot be paid gross to individuals not ordinarily resident in the UK for tax purposes. Individuals whose income falls within the basic rate band will have no more tax to pay on their interest.  Individuals who are higher rate taxpayers will have to pay the extra tax due on their interest (the difference between tax deducted at 20% and the higher rate of 40%).

iv The interest we pay is exempt from income tax provided that you have complied with the relevant legislation.

^ The AER for the C&G Bonus Tracker, C&G Reserve Account and C&G Reward Saver reflects the 6 month bonus payable following account opening.

# Once 13 withdrawals have been made in a year, a fixed default rate of interest will apply.

^^ Interest rates for this tier are the default rates paid when the account balance falls below the minimum stated balance.

We may change the rates on an account at any time (other than fixed-rate accounts during the period of the fixed rate and C&G Bonus Tracker where the rates are guaranteed to track the Bank of England base rate). If you have one of the accounts shown and we change the rate, we will tell you using at least one of the ways set out in your account's conditions.

Rate changes to a C&G account or to other generally available accounts can affect an account's relative competitiveness and we do not promise that our rates will be better than those available elsewhere. If your balance falls below the minimum shown in the tables, please refer to the conditions of that account or ask for details.

Products and rates can change frequently and without notice, therefore please reload the page if viewing offline or through stored information on your computer.

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