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Cash interest rates

Standard Life Self Investor will pay interest on cash balances held within the Smart+ Stocks and Shares ISA and the Trading Account, as explained in the Charges Information document. If you hold a Smart+ Stocks and Shares ISA or Trading account you can find your Charges Information document in your literature library by logging into you Standard Life Self Investor account.

Our current interest rate paid

Interest rate payable since: 6 July 2020
Account typeGross Annual Equivalent Interest Rate (AER)
Stocks and Shares ISA0.00 %
Trading Account0.00 %

Please note that account charges will be applied to all investments and cash balances held. Please see your Charges information document for further details.

Previously paid rate of interest below:

Paid from ToStocks and Shares ISA gross AERTrading Account gross AER
13 March 202005 July 20200.10%0.10%
29 August 201812 March 20200.29%0.29%
05 October 201728 August 20180.13%0.13%
03 July 201704 October 20170.18%0.18%
21 November 201602 July 20170.25%0.25%
01 October 201620 November 2016 0.45% 0.45%
01 August 2016 30 September 2016 0.50% 0.50%
05 April 2016 31 July 2016 0.58% 0.58%
01 July 2014 04 April 2016 0.65%0.65%
01 May 201430 June 2014 -- 0.50%

Retained rates of interest

The interest we pay you is not based on the amount that we receive from our banking partners.

In this quarter (06/10/2020 - 05/01/2021), the amount we expect to receive from money deposited by our customers and customers who use other investment services of Elevate Portfolio Services is an average of 0.17% per annum. This compares to an average of 0.12% per annum we received in the previous quarter (06/07/2020 - 05/10/2020).

Interest is calculated each day and could be zero or negative in the future.

Other interest

We use investment and administration accounts when money is being paid in to and taken out of accounts held with us including when investment funds are bought and sold and when investment income is paid from a fund. No interest is paid on money in these accounts. We currently receive interest of 0.05% per annum on these accounts.