High Interest Savings

Ideal for trading customers who want to earn attractive rates of interest on uninvested cash.

What is the TD Waterhouse Savings Account?

With a TD Waterhouse Savings Account we can ensure that any money which is not currently funding investments is working hard for you. As well as a competitive interest rate, you will also benefit from improved access to your cash. And if you combined it with a Cash Management Services Account (CMS), you can fund investments and transfer money automatically between TD Waterhouse accounts - so you can react quickly to financial opportunities.

Benefits of the Savings Account

• Highly competitive interest rate of 1.26% AER* (1.00% net**, 1.25%† gross***).
• Easy access to your cash.
• No restrictions on the number of withdrawals that can be made.
• Interest accrued daily and paid quarterly.
• No minimum balance required.
• 24 hour access online.
• Easy transfers between Savings and Cash Management Services account online or by phone.

New Customers

Online Apply for a TD Waterhouse Savings Account with our Trading Account, Trading Plus Account and Trading ISA Account.

Existing Customers

	Online Login and go to Account Administration/Account Upgrades to add a Savings Account.
	By Phone Lines are open Monday to Friday 7.30am to 9pm and Saturdays 9am to 3pm

* AER stands for Annual Equivalent Rate (contractual rate when paid and compounded each year). The AER as stated is calculated at 04.12.08.

** Net rate is the amount of interest which would be payable after the deduction of income tax specified by law.

*** Gross rate is the contractual rate before the deduction of income tax at the rate specified by law.

† This rate is linked to the Bank of England base rate and will pay the base rate minus 0.75% and will be subject to any fluctuations in the base rate. The base rate is correct at 04.12.08.