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Cash interest rates

Standard Life Self Investor will pay interest on cash balances, 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 your Standard Life Self Investor account. In order to receive the interest, cash must be held within the Stocks and Shares ISA or Trading Account, and not within the cash account.

Our current interest rate paid

Interest rate payable since: 21 November 2016
Account typeGross Annual Equivalent Interest Rate (AER)
Stocks and Shares ISA0.25 %
Trading Account0.25 %

Please note that smart+ 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 grossAER Trading Account gross AER
1 October 2016 20 November 2016 0.45%0.45%
1 August 2016 30 September 2016 0.50 % 0.50 %
5 April 201631 July 2016 0.58 % 0.58 %
1 July 2014 4 April 20160.65 %0.65 %
1 May 2014 30 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 (01/04/2017 – 30/06/2017), the amount we expect to receive is an average of 0.39% per annum. This compares to an average of 0.41% per annum we received in the previous quarter 01/01/2017 – 31/03/2017).

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.