Our Best Buy Bonds

3.75% AER Four year fixed rate charity bond issue 2

3.50% AER Three year fixed rate bond issue 4

3.25% AER Two year fixed rate bond issue 5

3.00% AER One year fixed rate bond issue 4

AER - stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. As every advertisement for a savings product will contain an AER you will be able to compare more easily what return you can expect from your savings over time.

Gross rate - is the rate of interest before the deduction of basic rate of income tax applicable to savings accounts.

Net rate - is the rate after the deduction of income tax, currently at the rate of 20%. Subject to the required certification non-taxpayers are able to receive their interest gross.

krbs, krbs.com and Kent Reliance are trading names of OneSavings Bank Plc. OneSavings Bank Plc is authorised and regulated by the Financial Services Authority (registered number 530504) Visit the FSA's MoneyMadeClear website. We are covered by the Financial Services Compensation Scheme and by the Financial Ombudsman Service.

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