Compare our business savings accounts

Fixed Term Deposit

2.02% - 4.37% AER¹

Lock away your money for a fixed term

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  • 2.00% - 4.37% Gross p.a.²

  • Choose a term that suits you from 3 months to 2 years

  • Deposit a minimum of £10,000 and up to £5 million

  • Fixed rate of interest for the length of your term

View product details View details about Fixed Term Deposits

Notice Accounts

2.63% - 4.08% AER¹

Notice must be given to withdraw money

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  • 2.60% - 4.00% Gross p.a.²

  • Select from 32 or 95 day notice to withdraw money

  • Deposit a minimum of £10,000 and up to £5 million

  • Variable rate of interest, set by Lloyds Bank

View product details View details about Notice Accounts

Instant Access Account

1.31% - 1.92% AER¹

No fixed term or notice needed

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  • 1.30% - 1.90% Gross p.a.²

  • Instant access to your money any time you need it

  • Open an account with as little as £1

  • Variable rate of interest, set by Lloyds Bank

View product details View details about Instant Access Accounts

Interest rates stated above for fixed term deposits and notice accounts are available as at 02/02/2024 and expire on 21/03/2024 and may be subject to change.

1 AER – The AER stands for Annual Equivalent Rate and is the notional rate, which illustrates the gross rate as if paid and compounded on an annual basis. As every advert for a savings product will contain an AER, you’ll be able to compare more easily what return you can expect from your savings over time.

2 Gross Rate – Gross rate means that no tax will be automatically deducted from interest on your behalf. You are responsible for paying any tax due to HM Revenue and Customs.

Apply for a business savings account

Apply for a business savings account

Apply for a business savings account

Make your surplus cash work harder with a business savings account tailored to your needs

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Business Savings Interest Calculator

Business Savings Interest Calculator

Use our calculator to work out how much interest you could earn with one our business savings accounts.

See your options
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Your results

This is an illustration of your estimated future balance.  It's based on your initial deposit of ##balance## and holding each product for the specified term.

The calculations assumes no funds are added or withdrawn during the period. The rates shown are subject to change.

##instant_access_int_monthly##

Instant Access Account

##instant_access_int_sum##% p.a. gross2 (variable)

Interest is calculated daily and paid monthly.

Instant Access Account

More information about our business savings accounts

How does it work?

How much can I save?

How do I manage the account?

How does it work?

Instant Access Account

How much can I save?

  • You have flexibility to withdraw funds whenever you need them, without notice
  • Funds can be added anytime

How do I manage the account?

Save from £1

  • View your balance online
  • Pay in and withdrawal funds anytime online
  • How does it work?

    How much can I save?

    How do I manage the account?

    How does it work?

    Instant Access Account

    How much can I save?

    • You have flexibility to withdraw funds whenever you need them, without notice
    • Funds can be added anytime

    How do I manage the account?

    • Save from £1
    • View your balance online
    • Pay in and withdrawal funds anytime online

Your results

This is an illustration of your estimated future balance.  It's based on your initial deposit of ##balance## and holding each product for 12 months.

The calculations assumes no funds are added or withdrawn during the period. The rates shown are subject to change.

##12_month_ftd_int##

12 month Fixed Term Deposit

##12_month_ftd##% gross p.a.2 (fixed)

Interest is paid at the end of the agreed term.

Fixed Term Deposit

##notice_account_int##

32 Day Notice Account

##notice_account##% gross p.a.2 (variable)

Interest is calculated and paid to your account daily (unless otherwise agreed).

Notice Accounts

##instant_access_int##

Instant Access Account

##instant_access_int_sum##% p.a. gross2 (variable)

Interest is calculated daily and paid monthly.

Instant Access Account

More information about our business savings accounts

How does it work?

How much can I save?

How do I manage the account?

How does it work?

Fixed Term Deposit

How much can I save?

  • You can only withdraw funds after your fixed term ends
  • Funds can’t be added during the fixed term

How do I manage the account?

Save from £10,000 up to £5 million

  • View your balance online
  • Manage your maturity online when the fixed terms comes to an end

How does it work?

32 Day Notice Account

How much can I save?

  • You can withdraw funds any time provided you give notice
  • Funds can be added anytime

How do I manage the account?

Save from £10,000 up to £5 million

  • View your balance online
  • Pay in funds anytime or withdrawal funds online

How does it work?

Instant Access Account

How much can I save?

  • You have flexibility to withdraw funds whenever you need them, without notice
  • Funds can be added anytime

How do I manage the account?

Save from £1

  • View your balance online
  • Pay in and withdrawal funds anytime online
  • How does it work?

    How much can I save?

    How do I manage the account?

    How does it work?

    Fixed Term Deposit

    How much can I save?

    • You can only withdraw funds after your fixed term ends
    • Funds can’t be added during the fixed term

    How do I manage the account?

    • Save from £10,000 up to £5 million
    • View your balance online
    • Manage your maturity online when the fixed terms comes to an end

    How does it work?

    32 Day Notice Account

    How much can I save?

    • You can withdraw funds any time provided you give notice
    • Funds can be added anytime

    How do I manage the account?

    • Save from £10,000 up to £5 million
    • View your balance online
    • Pay in funds anytime or withdrawal funds online

    How does it work?

    Instant Access Account

    How much can I save?

    • You have flexibility to withdraw funds whenever you need them, without notice
    • Funds can be added anytime

    How do I manage the account?

    • Save from £1
    • View your balance online
    • Pay in and withdrawal funds anytime online

Your results

This is an illustration of your estimated future balance.  It's based on your initial deposit of ##balance## and holding each product for 3 months.

The calculations assumes no funds are added or withdrawn during the period. The rates shown are subject to change.

##3_month_ftd_int##

3 month Fixed Term Deposit

##3_month_ftd##% gross p.a.2 (fixed)

Interest is paid at the end of the agreed term.

Fixed Term Deposit

##notice_account_int_3_month##

32 Day Notice Account

##notice_account##% gross p.a.2 (variable)

Interest is calculated and paid to your account daily (unless otherwise agreed).

Notice Accounts

##instant_access_int_monthly##

Instant Access Account

##instant_access_int_sum##% p.a. gross2 (variable)

Interest is calculated daily and paid monthly.

 
Instant Access Account

More information about our business savings accounts

How does it work?

How much can I save?

How do I manage the account?

How does it work?

Fixed Term Deposit

How much can I save?

  • You can only withdraw funds after your fixed term ends
  • Funds can’t be added during the fixed term

How do I manage the account?

Save from £10,000 up to £5 million

  • View your balance online
  • Manage your maturity online when the fixed terms comes to an end

How does it work?

32 Day Notice Account

How much can I save?

  • You can withdraw funds any time provided you give notice
  • Funds can be added anytime

How do I manage the account?

Save from £10,000 up to £5 million

  • View your balance online
  • Pay in funds anytime or withdrawal funds online

How does it work?

Instant Access Account

How much can I save?

  • You have flexibility to withdraw funds whenever you need them, without notice
  • Funds can be added anytime

How do I manage the account?

Save from £1

  • View your balance online
  • Pay in and withdrawal funds anytime online
  • How does it work?

    How much can I save?

    How do I manage the account?

    How does it work?

    Fixed Term Deposit

    How much can I save?

    • You can only withdraw funds after your fixed term ends
    • Funds can’t be added during the fixed term

    How do I manage the account?

    • Save from £10,000 up to £5 million
    • View your balance online
    • Manage your maturity online when the fixed terms comes to an end

    How does it work?

    32 Day Notice Account

    How much can I save?

    • You can withdraw funds any time provided you give notice
    • Funds can be added anytime

    How do I manage the account?

    • Save from £10,000 up to £5 million
    • View your balance online
    • Pay in funds anytime or withdrawal funds online

    How does it work?

    Instant Access Account

    How much can I save?

    • You have flexibility to withdraw funds whenever you need them, without notice
    • Funds can be added anytime

    How do I manage the account?

    • Save from £1
    • View your balance online
    • Pay in and withdrawal funds anytime online

Your results

This is an illustration of your estimated future balance.  It's based on your initial deposit of ##balance## and holding each product for 6 months.

The calculations assumes no funds are added or withdrawn during the period. The rates shown are subject to change.

##6_month_ftd_int##

6 month Fixed Term Deposit

##6_month_ftd##% gross p.a.2 (fixed)

Interest is paid at the end of the agreed term.

Fixed Term Deposit

##notice_account_int_6_month##

32 Day Notice Account

##notice_account##% gross p.a.2 (variable)

Interest is calculated and paid to your account daily (unless otherwise agreed).

Notice Accounts

##instant_access_int_monthly##

Instant Access Account

##instant_access_int_sum##% gross p.a.2 (variable)

Interest is calculated daily and paid monthly.

Instant Access Account

More information about our business savings accounts

How does it work?

How much can I save?

How do I manage the account?

How does it work?

Fixed Term Deposit

How much can I save?

  • You can only withdraw funds after your fixed term ends
  • Funds can’t be added during the fixed term

How do I manage the account?

Save from £10,000 up to £5 million

  • View your balance online
  • Manage your maturity online when the fixed terms comes to an end

How does it work?

32 Day Notice Account

How much can I save?

  • You can withdraw funds any time provided you give notice
  • Funds can be added anytime

How do I manage the account?

Save from £10,000 up to £5 million

  • View your balance online
  • Pay in funds anytime or withdrawal funds online

How does it work?

Instant Access Account

How much can I save?

  • You have flexibility to withdraw funds whenever you need them, without notice
  • Funds can be added anytime

How do I manage the account?

Save from £1

  • View your balance online
  • Pay in and withdrawal funds anytime online
  • How does it work?

    How much can I save?

    How do I manage the account?

    How does it work?

    Fixed Term Deposit

    How much can I save?

    • You can only withdraw funds after your fixed term ends
    • Funds can’t be added during the fixed term

    How do I manage the account?

    • Save from £10,000 up to £5 million
    • View your balance online
    • Manage your maturity online when the fixed terms comes to an end

    How does it work?

    32 Day Notice Account

    How much can I save?

    • You can withdraw funds any time provided you give notice
    • Funds can be added anytime

    How do I manage the account?

    • Save from £10,000 up to £5 million
    • View your balance online
    • Pay in funds anytime or withdrawal funds online

    How does it work?

    Instant Access Account

    How much can I save?

    • You have flexibility to withdraw funds whenever you need them, without notice
    • Funds can be added anytime

    How do I manage the account?

    • Save from £1
    • View your balance online
    • Pay in and withdrawal funds anytime online

Your results

This is an illustration of your estimated future balance.  It's based on your initial deposit of ##balance## and holding each product for 9 months.

The calculations assumes no funds are added or withdrawn during the period. The rates shown are subject to change.

##9_month_ftd_int##

9 month Fixed Term Deposit

##9_month_ftd##% gross p.a.2 (fixed)

Interest is paid at the end of the agreed term.

Fixed Term Deposit

##notice_account_int_9_month##

32 Day Notice Account

##notice_account##% gross p.a.2 (variable)

Interest is calculated and paid to your account daily (unless otherwise agreed).

Notice Accounts

##instant_access_int_monthly##

Instant Access Account

##instant_access_int_sum##% gross p.a.2 (variable)

Interest is calculated daily and paid monthly.

Instant Access Account

More information about our business savings accounts

How does it work?

How much can I save?

How do I manage the account?

How does it work?

Fixed Term Deposit

How much can I save?

  • You can only withdraw funds after your fixed term ends
  • Funds can’t be added during the fixed term

How do I manage the account?

Save from £10,000 up to £5 million

  • View your balance online
  • Manage your maturity online when the fixed terms comes to an end

How does it work?

32 Day Notice Account

How much can I save?

  • You can withdraw funds any time provided you give notice
  • Funds can be added anytime

How do I manage the account?

Save from £10,000 up to £5 million

  • View your balance online
  • Pay in funds anytime or withdrawal funds online

How does it work?

Instant Access Account

How much can I save?

  • You have flexibility to withdraw funds whenever you need them, without notice
  • Funds can be added anytime

How do I manage the account?

Save from £1

  • View your balance online
  • Pay in and withdrawal funds anytime online
  • How does it work?

    How much can I save?

    How do I manage the account?

    How does it work?

    Fixed Term Deposit

    How much can I save?

    • You can only withdraw funds after your fixed term ends
    • Funds can’t be added during the fixed term

    How do I manage the account?

    • Save from £10,000 up to £5 million
    • View your balance online
    • Manage your maturity online when the fixed terms comes to an end

    How does it work?

    32 Day Notice Account

    How much can I save?

    • You can withdraw funds any time provided you give notice
    • Funds can be added anytime

    How do I manage the account?

    • Save from £10,000 up to £5 million
    • View your balance online
    • Pay in funds anytime or withdrawal funds online

    How does it work?

    Instant Access Account

    How much can I save?

    • You have flexibility to withdraw funds whenever you need them, without notice
    • Funds can be added anytime

    How do I manage the account?

    • Save from £1
    • View your balance online
    • Pay in and withdrawal funds anytime online

Your results

This is an illustration of your estimated future balance.  It's based on your initial deposit of ##balance## and holding each product for 12 months.

The calculations assumes no funds are added or withdrawn during the period. The rates shown are subject to change.

##instant_access_int##

Instant Access Account

##instant_access_int_sum##% p.a. gross2 (variable)

Interest is calculated daily and paid monthly.

Instant Access Account

More information about our business savings accounts

How does it work?

How much can I save?

How do I manage the account?

How does it work?

Instant Access Account

How much can I save?

  • You have flexibility to withdraw funds whenever you need them, without notice
  • Funds can be added anytime

How do I manage the account?

Save from £1

  • View your balance online
  • Pay in and withdrawal funds anytime online
  • How does it work?

    How much can I save?

    How do I manage the account?

    How does it work?

    Instant Access Account

    How much can I save?

    • You have flexibility to withdraw funds whenever you need them, without notice
    • Funds can be added anytime

    How do I manage the account?

    • Save from £1
    • View your balance online
    • Pay in and withdrawal funds anytime online
Protecting your money. FSCS protected.

Protecting your deposits

The Financial Services Compensation Scheme (FSCS) will protect your deposits up to the value of £85,000, subject to eligibility criteria.

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Savings Strategy Tool

Our tool can make your money work harder by matching your cash forecasts against our savings products, helping you create a savings strategy bespoke to your needs.

Supporting UK Businesses

Supporting UK Businesses

See how we’re supporting UK businesses in our latest Credential report.

Read our credentials report (PDF, 286KB)

Frequently asked questions

  • A business savings account can offer you a higher interest rate on any surplus cash you may have or when you’re saving up for something for your business. It’s worth thinking about how quickly you might want to access this money. You’ll have several options including instant access and fixed term, with varying interest rates and terms.

  • Think about how quickly you might need to access your money. An instant access account has no restrictions on when you can withdraw money, and how much. But it will have a lower interest rate than fixed term or notice accounts. You should also consider the return you’ll make. If you’re able to lock your money up for a longer period, you’ll usually be offered a higher interest rate. Carefully compare the options available to you.

  • It is possible to earn some interest on your savings and not pay tax on it. But this depends on the type of account you have – whether you are a sole trader or run a limited company, for example. You’ll need to declare any interest earned when you complete your tax return  and you are responsible for paying any tax due to HM Revenue and Customs. Lloyds Bank pays the gross rate of interest, which means that no tax will be automatically deducted from interest on your behalf. 

Important Legal Information

Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

The products and services outlined on this site may be offered by legal entities from across Lloyds Banking Group, including Lloyds Bank plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc and Lloyds Bank Corporate Markets plc are separate legal entities within the Lloyds Banking Group.

Lloyds Bank is a trading name of Lloyds Bank plc, Bank of Scotland plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no.2065. Bank of Scotland plc. Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland no. SC327000. Lloyds Bank Corporate Markets plc. Registered office 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 10399850. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278, 169628 and 763256 respectively.

We adhere to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.