With the exception of Fixed Rate Savings accounts, the interest rates listed above are variable and can change at any time. You will be notified of any detrimental changes within a reasonable notice period before the effective date by personal notice.
Gross means the contractual rate of interest payable. AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. Tax-Free is the contractual rate of interest payable where interest is exempt from income tax. Interest earned on ISAs is tax-free as long as the statutory conditions of the scheme are not breached. Tax treatment depends on your individual circumstances and may be subject to change in the future.