Direct Saver terms and conditions
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Direct Saver terms and conditions

Minimum Opening Balance
£2500.00

Maximum Balance
£300,000.00

Restrictions on Withdrawals
Postal Account. Minimum withdrawal £250. Withdrawals will only be made by cheque payable to the account holder, or direct to the designated UK bank account by BACS, on receipt of signed withdrawal request, which will be actioned on receipt.

Restrictions on Deposits
Postal account. Deposits by cheque, BACS Transfer or Telegraphic Transfer only.

Interest Rate, Type & Frequency
Variable; calculated daily; capitalised annually on 31 December. Monthly interest option available

You need to be aware that
Interest rates will be no less than 0.75% below Bank Of England Base Rate. Some administration fees for non core services.

Other Benefits
Joint accounts are available. The first named customer will have membership rights.

Share Accounts are only available to individuals, not corporate entities.
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This information is current and we have no plans to withdraw any products, but products may be withdrawn without notice.  One of our Customer Advisors would be pleased to help advise you on which product best suits your needs and preferences.  We suggest you review our Current Interest Rates, Share and Deposit General Terms and Conditions and our Tariff of Charges before applying to open an account. 

We do not charge for standard account services or the running of your account, but there are some charges for additional services.  The application form must be fully completed and signed by all account holders.  We also usually require identification documents like a driving licence and passport to open an account although we do try to use electronic identification methods where possible.  These accounts can be operated through branches, agencies or by post with no difference in terms or charges.  English Law applies and we will communicate with you in English.

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Bath Investment & Building Society are members of the UK Building Societies Association, participants of the Financial Ombudsman Service; and authorised and regulated by the UK Financial Services Authority (registration number 206026). VAT number 600842084