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Personal Interest Rates

Reliance Bank Limited Base Rate with effect from 3 August 2018 - 0.75%

As is currently the case, the Reliance Bank Base Rate, ordinarily, mirrors the Bank of England Base Rate. Please note that the Bank is unlikely to set its own Base Rate level below 0.40% in response to falls in the Bank of England Base Rate below this level. This minimum Base Rate level helps to minimise the risk of Reliance Bank incurring losses which would ultimately be borne by our owners, The Salvation Army, and would impact the funds available for their continued mission.

 Personal Current account

 This account does not pay credit interest.  



With effect from 3 August 2018

Interest is charged on any amount that you borrow and is calculated quarterly at the end of March, June, September and December. The overdraft interest will be applied on the 19th of the month following the quarter end, or the next working day.


Instant Access Saver 

With effect from 1 October 2018

     Balance                        Gross Rate PA%      AER%        

  • £1-£99,999                                 0.10                         0.10              

  •  £100,000+                                  0.20                        0.20                

Interest is paid quarterly in March, June, September & December on the last working day of the month.


 Cash ISA

With effect from the 1 October 2018 

     Balance                                               Gross Rate PA%        AER%  

  • £1-£20,000 (current tax year allowance)                       0.65                   0.65

  • £1 Plus (previous tax year's allowance)                          0.65                   0.65

Interest paid annually & credited to the account on 5th April or the previous working day                                                                                                      


KIDZ Saver

With effect from 1st September 2016          

       Balance                                            Gross Rate PA%   AER%

  • £10 - £10,000                                                            1.00                      1.00

Interest paid annually 31 March



With effect from 1st September 2016 

    Balance                                               Gross Rate PA%    AER%

  • £10 - £20,000                                                              1.00                   1.00

Interest paid annually 31 March  


Personal Loans

Available to existing Reliance Bank customers only

With effect from  16 April 2019

     Amount Borrowed                     Typical APRC

  • £500 - £2,500                                         12.90%


Gross Rate – The rate before deduction of tax applicable to interest on savings. 

Personal Savings Allowance

From April 2016, HM Revenue & Customs (HMRC) is introducing a tax-free Personal Savings Allowance of £1,000 (£500 for higher rate taxpayers) for savings income or interest. The new allowance means that most people will no longer pay tax on their savings interest.  The Personal Savings Allowance will be in addition to the tax advantages currently available to savers from Individual Savings Accounts.

For more information visit www.gov.uk/government/publications/personal-savings-allowance-factsheet/personal-savings-allowance

We are covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if we as a Bank fail to meet our financial obligations. In general, all retail depositors and businesses are covered by Deposit Guarantee Schemes. Exceptions for certain deposits are stated on the website for the Financial Services Compensation Scheme.

With effect from 30/1/2017, in respect of deposits, an eligible depositor is entitled to claim up to £85,000. For joint accounts each account holder is treated as having a claim in respect of their share so, for a joint account held by two eligible depositors, the maximum amount that could be claimed would be £85,000 each, making a total of £170,000.  The £85,000 limit relates to the combined amount in all the eligible depositor’s accounts with the Bank, including their share of any joint account, and not to each separate account.

For further information about the compensation provided by the FSCS (including the amounts covered and eligibility to claim) please call us on 020 7398 5400, refer to the FSCS website www.FSCS.org.uk or call the FSCS on 0800 678 1100 or 020 7741 4100. Please note only compensation related queries should be directed to the FSCS.


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For security, Please ensure that you are always on this domain www.reliancebankltd.com or ibank.reliancebankltd.com when using our banking services. If you suspect that you are on a 'fake' domain, please contact Reliance Bank on 020 7398 5400.

Reliance Bank Limited. All rights reserved. Registered in England. Registration no. 68835.
Reliance Bank Limited, Faith House, 23-24 Lovat Lane, London EC3R 8EB. Telephone: 020 7398 5400 Fax:  020 7398 5401
Reliance Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
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