Access 90

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 90

What is the interest rate?

Interest rate band

Interest rate


4.35% Gross/AER variable


4.05% Gross/AER variable


3.95% Gross/AER variable


3.50% 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?

Interest rate band

Estimated balance


£52,175.00 (based on a £50,000 deposit)


£26,012.50 (based on a £25,000 deposit)


£10,395.00 (based on a £10,000 deposit)


£1,035.00 (based on a £1,000 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.

  • Account can be opened in single or joint names

  • To open or operate this account online the minimum age is 18 years.

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

  • The minimum opening and operating balance is £1,000.

  • 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?

90 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

  • Tax status - From 6 April 2016, HMRC introduced a Personal Savings Allowance for individuals and as a result interest on savings is paid gross of tax. Your tax treatment will depend on your individual

circumstances and may be subject to change in the future. For further information go to www.GOV.UK.

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.


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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). English Law applies and we will communicate with you in English. We are participants of the Financial Ombudsman Service. We have a complaints procedure which we will provide on request. Most complaints that we cannot resolve can be referred to the Financial Ombudsman Service. 9778