Homestart Regular Saver

• £1-£57,000 4.74% AER*.
• Interest rate from 3rd January 2025 – 4.54% AER*
• We calculate the interest daily and pay it annually on 31^st December. Interest can be added to your account or paid to your nominated account.
• You cannot have more than £57,000 in your account.
• *AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and compounded once each year. The gross rate is the interest rate payable before tax.

• The interest rate is variable, so it can go up or down at any time.
• For more details about why we might change the rate, you should read our Savings Terms & Conditions.

      £615.64

• This would be the balance after 12 months if £50 was paid in every month, all interest was paid back into the account, there was no change to the interest rate and no money was taken out or paid in.
• This is just an example to help you compare accounts. It does not take into account what you may do with the money in your account.

• You must live in the UK to open this account. You can open it with as little as £50.
• You must pay between £50 and £250 into the account every month. If not, we will change your account to an Instant Access.
• If you pay too much money into your account, we will let you know and return your payment.
• If you pay too much money into your account a second time, we will change your account to an Instant Access. Find out more about the Instant Access account.
• You can open an account via Bath Online or by visiting one of our Branches in Bath.
• You can manage the accounts you hold with us through Bath Online, or by using our Mobile App. You can register for Bath Online on our website, and you can register for the Mobile App on your smartphone.
• Account holder identification will be required. This is usually obtained through our electronic identity verification service. However, if this proves inconclusive, here’s some popular ways to verify your ID.

• This is an instant access account. You can take out money whenever you wish in a Branch, up to a maximum of £500 without telling us first. If you tell us first, you can withdraw up to £2,000 the next day.
• You can withdraw money from this account twice a year. If you withdraw money again after that, we will change your account to an Instant Access. You can find out more about the Instant Access account on our website.
• You can withdraw by cheque from our Branches. There is no limit to how much you can withdraw.
• You can also ask us to make a faster payment to your nominated account. This can be done on Bath Online, through the Mobile App, in a Branch, or you can contact our Customer Service Department.

• We will write to you at least 14 days before your 35^th birthday to let you know what accounts we have for you. If we do not hear from you, the account will become an Instant Access when you turn 35.
• After 12 months, you can have a free arrangement fee and £500 cashback when you complete on a residential Bath Building Society mortgage. You will still have to pay for the valuation, administration and completion fees. You cannot take this offer if you are not completing on a residential mortgage.
• You will need to pass all our standard mortgage checks to take this offer. You must use the offer before your 37^th birthday, or within 2 years after you close the account.
• We will pay the cashback into your nominated bank account by next day faster payment.