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Squeeze the most out of your spare cash

Get higher interest rates on your unused savings with our Liquidity Manager account.

Make your spare cash work harder with a Liquidity Manager notice account

  • Get better interest rates than our instant access account
  • Take out your money if you need it - you just need to let us know in advance
  • Save as much as you like - no minimum or maximum balance
3.00% AER p.a (variable)

2.96% Gross p.a (variable)

With our 35-day notice account

  • A better interest rate than our instant access account
  • Access your savings with 35 days notice

Note: The interest rate on this account will change to 2.75% AER / 2.72% Gross p.a (variable) on the 24th January 2025.

Information Message

3.75% AER p.a (variable)

3.69% Gross p.a (variable)

With our 95-day notice account

  • A better return than our 35-day notice account
  • Access your savings with 95 days notice

Note: The interest rate on this account will change to 3.49% AER / 3.44% Gross p.a (variable) on the 27th January 2025.

Information Message

Interest Rates

All interest rates shown are per year. We calculate interest on a daily basis using the gross rate, and apply it on the last business day of each month. The interest rates on these accounts is variable, which means it could go up or down. For both AER and the gross rate, we don’t take into account any tax or charges you might have to pay.

Important things to know

Eligibility

You can apply for a Business Reserve instant access account if you have a business registered in England, Scotland, or Wales.

 

Get the facts

Liquidity Manager Notice Account fact sheet (PDF, 225 KB)

Liquidity Manager Notice Account 35 days info sheet (PDF, 36 KB)

Liquidity Manager Notice Account 95 days info sheet (PDF, 54 KB)

Business Account Terms (PDF, 279 KB)

 

Useful information

Apply for a Liquidity Manager notice savings account

Let's get started...

Are you...
Is your business turnover...

You can apply online

This is the fastest way to complete your application.

  1. We may use Mitek, formerly HooYu, our trusted online identification and security partner, to check your identity
  2. To see which documents are accepted for proof of identity and address you can visit our Mitek page.
  3. Once we receive all your information, we'll review the application and will be in touch.

By starting your application online, you consent to the following:

  • Identity verification using our security partner Mitek.
  • A credit check on everyone on your application.

 

Apply by phone

 

Can’t apply online? You can complete your application via phone – discover how you can get in touch. Scheduling an appointment may take a few days, and the appointment itself can last up to an hour. 

Once you finish the call, you’ll need to either bring your documents to our branch or use a professional service provider for identity verification. 

If you're looking for a quicker option, we recommend applying online.

You can apply online

This is the fastest way to complete your application.

  1. We may use Mitek, formerly HooYu, our trusted online identification and security partner, to check your identity
  2. To see which documents are accepted for proof of identity and address you can visit our Mitek page.
  3. Once we receive all your information, we'll review the application and will be in touch.

By starting your application online, you consent to the following:

  • Identity verification using our security partner Mitek.
  • A credit check on everyone on your application.

 

Apply by phone

 

Can’t apply online? You can complete your application via phone – discover how you can get in touch. Scheduling an appointment may take a few days, and the appointment itself can last up to an hour. 

Once you finish the call, you’ll need to either bring your documents to our branch or use a professional service provider for identity verification. 

If you're looking for a quicker option, we recommend applying online.

Are you a Business or Commercial customer?
Is the savings account for...

You can apply online

This is the fastest way to complete your application.

  1. We may use Mitek, formerly HooYu, our trusted online identification and security partner, to check your identity
  2. To see which documents are accepted for proof of identity and address you can visit our Mitek page.
  3. Once we receive all your information, we'll review the application and will be in touch.

By starting your application online, you consent to the following:

  • Identity verification using our security partner Mitek.
  • A credit check on everyone on your application.

 

Apply by phone

 

Can’t apply online? You can complete your application via phone – discover how you can get in touch. Scheduling an appointment may take a few days, and the appointment itself can last up to an hour. 

Once you finish the call, you’ll need to either bring your documents to our branch or use a professional service provider for identity verification. 

If you're looking for a quicker option, we recommend applying online.

Will the account be used to hold money on behalf of a 3rd party?
A third party would be one or more people and/or entities that are not connected to the running or ownership of the entity that is opening the additional account.

Please apply for a Client Deposit Manager account

Client Deposit Manager allows you to hold monies that belongs to your clients in a separate account.

The service allows you to set up separate accounts for each of your clients or run a single account for all your client funds. Visit the link below to find out more.

Discover Client Deposit Manager

Please take some time to review the important info

Please take some time to review, print and/or save the important information. By clicking that you're ready to continue, you are confirming that you have been provided with, and have acknowledged our important documents.

I have reviewed, and printed/or downloaded the terms and conditions, Financial Services Compensation Scheme information sheet and Product information sheet.

Thanks! Looks like you’re all set and ready to begin

Please ensure you have reviewed, and printed or downloaded the terms and conditions, Financial Services Compensation Scheme information sheet and Product information sheet

Is the savings account for...

You can apply online

This is the fastest way to complete your application.

  1. We may use Mitek, formerly HooYu, our trusted online identification and security partner, to check your identity
  2. To see which documents are accepted for proof of identity and address you can visit our Mitek page.
  3. Once we receive all your information, we'll review the application and will be in touch.

By starting your application online, you consent to the following:

  • Identity verification using our security partner Mitek.
  • A credit check on everyone on your application.

 

Apply by phone

 

Can’t apply online? You can complete your application via phone – discover how you can get in touch. Scheduling an appointment may take a few days, and the appointment itself can last up to an hour. 

Once you finish the call, you’ll need to either bring your documents to our branch or use a professional service provider for identity verification. 

If you're looking for a quicker option, we recommend applying online.

Will the account be used to hold money on behalf of a 3rd party?
A third party would be one or more people and/or entities that are not connected to the running or ownership of the entity that is opening the additional account.

Please apply for a Client Deposit Manager account

Client Deposit Manager allows you to set up separate accounts for each of your clients or run a single account for all your client funds. Visit the link below to find out more.

Click to view Client Deposit Manager account and apply

Please take some time to review the important info

Please take some time to review, print and/or save the important information. By clicking that you're ready to continue, you are confirming that you have been provided with, and have acknowledged our important documents.

I have reviewed, and printed/or downloaded the terms and conditions, Financial Services Compensation Scheme information sheet and Product information sheet.

Thanks! Looks like you’re all set and ready to begin

If you have Online Banking, Cora can open an additional account at your request, for any account types you already have.

Log in to Online Banking, click ‘Need help’ then ‘Chat now’. Or if you’re using the mobile app, tap ‘Help’, then ‘Chat to Cora’ and ask Cora to ‘open an additional account’. She’ll take the details and process your request.

If you don’t have Online Banking or the mobile app you can download the PDF form below to open additional accounts for businesses that we already hold accounts for.

To download the form:

  • Download Adobe Acrobat Reader (free download)
  • Right-click the link below and select 'save as' to download it to your computer (not a phone or tablet)
  • Right-click the form in its saved location and select 'Open with Adobe Acrobat Reader’

Download additional account form (PDF)  

(The form will not open in your browser. Please follow the instructions above.)

Please return the completed form to your dedicated service team.

Please ensure you have reviewed, and printed or downloaded the terms and conditions, Financial Services Compensation Scheme information sheet and Product information sheet

I don't know if I'm a Business or Commercial customer...

You are likely a Business customer if: 

  • Your turnover is generally £2M or below annually 
  • Your day to day contact team is Businessline - 0345 600 2230

You are likely a Commercial customer if: 

  • Your turnover is generally over £2m annually 
  • Your day to day contact team is your Customer Service Team 

If you’re still not sure whether you’re a Business or Commercial customer then you can contact us for some help:

Start a chat with our virtual assistant Cora. Cora will gather a few details then get you to a member of the team who'll be happy to help. 

Or give us a call on: 

0345 600 2230

18001 0345 600 2230 (Relay UK)

0044 870 600 2230 (from overseas)

Our opening hours are Monday- Friday 8am-7pm and Saturday 9am-3pm.

Something else we can help you with?