Access 180

You should read this document carefully in conjunction with our Savings terms and conditions booklet to ensure you understand the features and conditions

of what you are buying and keep it safe for future reference. Our savings accounts are only available to UK residents.

Account name

Access 180


What is the interest rate?

Account balance

Interest rate

£75,000+

4.25% Gross/AER variable

£50,000+

4.15% Gross/AER variable

£25,000+

3.90% Gross/AER variable

  • If the balance falls below the minimum operating balance, a variable rate of 1.50% gross/AER will be paid.

  • Rate of interest payable depends on individual circumstances and may be subject to change in the future.

  • Interest is variable and calculated daily and paid annually on 31 October or upon closure. Annual interest can be credited to this account, or another Newbury Building Society account or your bank account.

Can Newbury Building Society change the interest rate?


What would the estimated balance be after 12 months?

Account balance

Estimated balance

£75,000+

£78,187.50 (based on a £75,000 deposit)

£50,000+

£52,075.00 (based on a £50,000 deposit)

£25,000+

£25,975.00 (based on a £25,000 deposit)

  • The estimation is for illustrative purposes only and does not reflect individual circumstances.


How do I open and manage my account?

  • This account can be opened and operated in branch, via the post or online.

  • Available to those aged 18 and over

  • Account can be opened in single or joint names.

  • Account holder/s must be resident in England or Wales.

  • The minimum opening and operating balance is £25,000.

  • If the account is opened online or by post, the account must be approved within 14 days. If the account is not approved within 14 days, we will close the account. The account is approved when we have received the application and the identification requirements have been satisfied.

  • Once the account is approved, the account can receive deposits up to the account limit within five business days. If no deposits have been received within five business days, we will close the account.

  • The maximum balance is £1,500,000.

  • Up to £500 cash per day in branch.

  • By cheque against cleared funds in branch or by post.

  • By electronic payment in branch to your nominated account (up to £50,000).

  • Via the myaccounts online service to your nominated account (up to £50,000).

  • By CHAPS for electronic payments to your nominated account (over £50,000).


Can I withdraw money?

180 days’ notice is required for all withdrawals; there is no option to withdraw early with a penalty. Once notice

has been given, withdrawals can be made:


Additional information

Important notes


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


AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.


Call: 01635 555700 | Visit: www.newbury.co.uk

Newbury Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number 206077). A326