Interest rates and charges for cash accounts

Our easy and DIY option ISAs

Cash account Cash interest rate
(annual)
CMAC
(annual)
Platform cash account 0.00% 0.08%
Stocks and Shares ISA cash account 0.00% 0.08%
Personal Portfolio cash account 0.00% 0.08%

Go to: Our easy option ISA | charges, Our DIY option ISA | charges

Our easy and DIY option Personal Pensions

Our easy and DIY option Personal Pensions are also referred to as Active Money Personal Pension.

Cash account Cash interest rate
(annual)
Trustee cash account 0.00%

Go to: Our easy option Personal Pension | charges, Our DIY option Personal Pension | charges

Self Invested Personal Pension

Cash account Cash interest rate
(annual)
SIPP bank account 0.00%

Go to: Self Invested Personal Pension | charges

Personal Portfolio

Cash account Cash interest rate
(annual)
CMAC
(annual)
Platform cash account 0.00% 0.08%
Personal Portfolio cash account 0.00% 0.08%

Go to: Personal Portfolio | charges

Interest rates and charges relating to cash accounts

Cash accounts can hold money prior to investing or when making a withdrawal. For certain products they are also used to pay charges.

Cash interest rate

We may pay an interest rate on the cash held on the various cash accounts outlined below.

The interest rates on all these accounts are variable and may go up and down regularly.

Cash management administration charge (CMAC)

We apply a cash management administration charge (CMAC) for the administration of the cash held in the various cash accounts outlined below.

The CMAC is in addition to any platform and product charges that may apply to these cash accounts.

This charge is taken directly from the interest received from the bank(s) used to provide these accounts and so is not deducted from the interest we pay you.

The charges vary depending on the interest received from the bank(s) and may go up and down regularly. We will notify you or your financial adviser if the charge exceeds 1.75%.

You should visit this webpage regularly for details of the CMAC.

The CMAC rates stated are example annual rates based on the interest rates received from the bank(s) used to provide these accounts as at 23/03/2020, and assuming a Bank of England Base Rate of 0.10%.

For the current or previous CMACs please call us.