View location map, opening times and customer reviews. The Co-operative Bank reserves the right to decline or accept any application and/or deposit. The rate would then remain at 0.10% gross AER/variable until 1 January 2018. If you do, then your rate will change to 0.10% gross AER/variable. By post - You can send us withdrawal requests and we will send your money to you by cheque in the post or we can make internal transfers. This stands for Annual Equivalent Rate and shows you the rate of interest youâd receive if it was compounded and paid once each year. Yorkshire Building Society is entered in the Financial Services Register and its registration number is 106085. If you would like to transfer an existing cash ISA account (held with us or another provider), please print and complete the Cash ISA application pack below. You cannot subscribe to a cash ISA with us if you have already contributed to another cash ISA using this tax yearâs ISA allowance, or if you have already invested the full ISA allowance in another type of ISA this tax year. a stocks and shares ISA) with another provider, up to the annual ISA limit, if you wish. You can request withdrawal forms over the phone or in branch or download them online. But if you haven't earned enough interest to cover this charge, some of it will come out of your original deposit(s). No, the interest rate is fixed. Product Specific Terms and Conditions, Keyfacts & Summary Box (which contains interest rates), Britannia Savings General Terms and Conditions, Managing your Britannia Savings account (including Charges), The Financial Services Compensation Scheme Information Sheet and Exclusion List. The Britannia Building Society offer simple, old-fashioned service in the main, with accessible branches and enough choice of products. Offering a two year fixed rate, this account may not suit everyone. Britannia was legally dissolved as a separate organisation on 1 August 2009 and merged into Co-operative Financial Services, to become a trading name of The Co-operative Bank. It won't change until the account matures. is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (No. Box 101, 1 Balloon Street, Manchester M60 4EP. Tax-free / AER, Maturity Date: There are two distinct types of Individual Savings Account: Cash ISAs and Stocks & Shares ISAs. Remember you can subscribe to a Co-operative Bank/ Britannia Cash ISA as long as you have not subscribed to another cash ISA with another provider in the current tax year. Sign up to our Newsletter to get exclusive news and offers direct to your inbox. Generally, the longer you give up access, the higher the return. All the banks in the directory are listed above. Nationwide Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 106078. AER â Stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. But it limits the number of withdrawals to two a year. If you are using any of your 2021/2022 ISA allowance, the minimum balance is £5,000. Britannia savings with The Co-operative Bank Britannia is a trading name of The Co-operative Bank plc and this allows customers to take advantage of even more savings products. National Counties is on the Financial … Customize the template with smart fillable fields. Check our tables for comparison of interest rates. On other savings accounts, you may have to pay income tax on the interest you earn. Customers of the Co-operative Bank benefit from their ethical trading policies, Co-op are one of the few banks that let customers have a say in financial issues that directly affect them and financial issues globally. smile, The Co-operative Bank and Britannia are trading names of The Co-operative Bank plc, which is a member of the Financial Services Compensation Scheme (FSCS) . Registered in England and Wales No. BRITANNIA BUILDING SOCIETY All Branches Sort codes, Phone No., Email, Address Are you looking for BRITANNIA BUILDING SOCIETY All Branches Sort codes, Phone No., Email, Address?.If yes then you have reached at right place. So, for example, if you have deposited £10,000 and then withdraw £1,000, you will only be able to deposit a further £10,000 in that tax year. The Society’s name was changed to the Britannia Building Society the following year. Please note, to transfer in you will need to meet the same eligibility criteria, and acknowledge the same recommendations, as new savings customers. We aim to verify your identity & address electronically where possible, which should avoid us asking for additional information at a later stage. Britannia ISA. Yes â However, if you withdraw before your maturity date, you'll be charged the value of 180 days' interest on the amount you withdraw (using the account's interest rate). If you'd like more help & information, you can: The Co-operative Bank is covered by the FSCS. Fill the blank areas; concerned parties names, places of residence and phone numbers etc. But if you're transferring in ISAs from previous tax years, the maximum balance is £1,000,000. Skipton Building Society is a member of the Building Societies Association. If you need bank details other than Britannia in Exeter, feel free to browse the website. Typically, a fixed-rate ISA account will pay more interest. Help and information about products, for our existing customers. But if you're only transferring in previous tax years' ISA allowances â then the minimum balance is just £1. Tax-free â The contractual rate of interest payable where interest is exempt from income tax. Tax-free saving and guaranteed interest rate for a fixed term, The Co-op and Britannia offer a number of savings options for their customers with one of the highest rate of interest on the market. Interest earned from this account will not count towards any of your available personal savings allowance. The Coâoperative Bank, Platform, smile and Britannia are trading names of The Coâoperative Bank p.l.c., P.O. Your account comes with an interest rate of 1.10% gross AER/variable, and stays that way unless you make more than 4 withdrawals in one year. This is because you can only pay into one cash ISA in each tax year, and you won't be able to pay any more into this cash ISA. Tel: 08000134860 Cash ISA (Issue 6) Benefit from a 0.35% Gross*/AER** variable interest rate. We've put together a list of our top five considerations for you to think about before you click "apply". Leeds Building Society only offer Cash ISAs (but do … 0.14% Britannia and Co-operative Bank have launched three new fixed-rate bonds which have raced straight to the top of the This is Money independent savings tables.. ISA can be confusing at first and this site includes a useful and helpful introduction into the world of ISAs. Credit facilities are provided by The Coâoperative Bank p.l.c. Britannia is located at 2 Fore Street, Bridgwater, Somerset. For more information about ISAs in general, please read our ISA Allowances and information guide. The Leek & Moorlands Building Society was founded in Leek in 1856. The Co-operative Bank, Platform, smile and Britannia are trading names of The Co-operative Bank p.l.c., P.O. The website was very useful and informative. You'll be using your tax-free ISA allowance for this year before the deadline, while also investing your money for your future. Britannia Building Society became part of the Co-operative Bank in 2009 I have an old investment account with Britannia Building Society. An ISA (Individual Savings Account) is simply a way of investing your money tax free. Save tax-free with a fixed interest rate. Get the Britannia Building Society Accounts Form you require. The gross rate of interest is the interest rate payable before any income tax is deducted (if you do pay tax). Include the date and place your electronic signature. However, you will still be able to invest in another type of ISA (e.g. Box 101, 1 Balloon Street, Manchester M60 4EP. 6 April 2022, 0.18% Read more I Agree, © Copyright Fair Investment Company Ltd. 2021 - 22, Shawbrook Bank 3 Year Fixed Rate Cash ISA, Shawbrook Bank 5 Year Fixed Rate Cash ISA, 5 Considerations for Your Next Investment ISA, Transferred into a variable rate Cash ISA (or equivalent) once your account reaches its term, Pays interest into your account after close of business on 30. We added interest to your account at the close of business on. The last transaction was in January 2007. All the information you've read so far (e.g. Withdrawals cannot be made and early closure of the account results in a loss of 180 days interest. Up to £85,000 of your money will be protected by the FSCS too. With certain types of cash ISAs, you have instant access to your money, which makes it a flexible way to plan your finances. If you are using any of your 2021/2022 ISA allowance, the maximum amount you can pay in is £20,000. features, eligibility) can be found in them. For other savers, Santander is offering a two-year fix paying 2%, which ranks second in the best buys for this term behind Britannia building society, paying 2.05%. The Coâoperative Bank p.l.c. This is a limited issue product and may be withdrawn without notice at any time. Britannia, a former mutual building society, merged with The Co-operative Banking Group in 2009. It is now a trading name of the Co-operative Bank in the United Kingdom. Make sure to name which ISA you are transferring into when filling out the final section of the âISA Transfer Application Form.â i.e âFixed Rate Cash ISA fixed until. The pair - … If you are using any of your 2021/2022 ISA allowance, If you are using any of your 2021/2022 ISA allowance, If you're using any of your 2021/2022 ISA allowance, If you're transferring your cash ISA to us. Family Building Society is a trading name of National Counties Building Society which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. I found the way the different options are presented very clear - much more useful than some other comparison sites. Britannia bank braches are sorted alphabetical order. Any reference to tax is based on our understanding of current tax regulations which may change in the future and depends on your individual financial circumstances. Very informative, find myself a good ISA account with best return in terms of interest. Benefits of a cash ISA There are several key benefits to a cash ISA: No income tax - you don't pay tax on any interest you earn from the cash in your ISA ... Cheques payable to Britannia will not be accepted. Britannia was legally dissolved as a separate organisation on 1 August 2009 and merged into Co-operative Financial Services, to become a trading name of The Co-operative Bank. Read CorneliusGunn's review of the Britannia Building Society, 6 of 19 Britannia Building Society reviews, & compare with other Building Societies at Review Centre. Saved the link on my tablet. Find Individual Savings Account (ISA) managers authorised by HMRC from October 2014. Britannia bank branches in UK. If you're transferring your cash ISA to us â you can do this by providing us with a completed ISA transfer authority form. Compare Britannia Building Society Savings Accounts - Latest Instant Access, Easy Access & 1,2,3,4 and 5 Year Fixed Rates - Savings and Tax Free Bonds Via An ISA from 6 months to 5 years - Monthly Saver Interest Options With Access – Saving Rates For Over 60s Britannia Savings General Terms & Conditions, Fixed Rate Cash ISA fixed until - ISA Transfer application pack, Financial Services Compensation Scheme more information, The Co-operative Bank Twitter feed - @CooperativeBank, Financial Services Compensation Scheme (FSCS), Our Modern Slavery and Human Trafficking Statement, Might need access to your money, as there is a charge for withdrawals. Opening hours, reviews, phone number. Remember you can subscribe to a Co-operative Bank/ Britannia Cash ISA as long as you have not subscribed to another cash ISA with another provider in the current tax year. Britannia Building Society. Britannia pays 1.75pc on its instant access Isa. You can make as many deposits as you like up to the maximum amounts above. Tax year â A tax year runs from 6 April to 5 April the following year. Finding the best cash ISAs Latest Cash ISA Deals For short term options, Nationwide Building Society offer a 1 year cash ISA returning 0.25% AER, which also gives you the option to withdraw money instantly up to 3 times a year with no penalty. and are subject to status and our lending policy. Youâll find the return address provided in the pack. Get help with applications and learn about how the switching process works. Yorkshire Building Society (YBS) is the third largest building society in the UK, with more than 3 million customers and £42 billion in assets. Easy to use website and up to date. If the building society is not listed please use the ‘Where is my building society now’ tool on www.bsa.org.uk, telephone the BSA on 020 7520 5900 or write the name of the society here Bath Building Society Beverley Building Society Buckinghamshire Building Society If you're using any of your 2021/2022 ISA allowance - you can make deposits by cash, cheque or transfer from another account held with us or another provider. They are a cautious lender, which can be good or bad depending on your circumstances, but at least they are unlikely to go bust! We'll send you a letter when your fixed term is coming to an end. subscribes to the Standards of Lending Practice which are monitored by the Lending Standards Board. I sent it to my daughter as well. The most substantial of these were the NALGO Building Society in 1960; the Westbourne Park in 1965 (becoming the Leek and Westbourne); and the Eastern Counties Building Society in 1974. To apply, you must be a UK resident aged 16 or over. It'll remind you of your maturity date and let you know what options are available to you (such as re-investing). Following their merger Britannia are now part of The Co-operative Bank, As such their ISA offerings are offered through the Co-op. The contractual rate of interest payable where interest is exempt from income tax. List of approved Individual Savings Account (ISA) managers - GOV.UK Cookies on GOV.UK It is now a trading name of the Co-operative Bank in the United Kingdom. Step 1 - Identification. We recommend that you read the important documents below â including our Terms and Conditions - and save copies of them for future reference. At the end of the fixed term, your account matures and your money will be put into a variable rate instant access cash ISA - unless you provide us with other maturity instructions. Any total deposits you hold above the limit between these brands are unlikely to be covered. 6 April 2023. Bankopeningtimes.org is a UK bank directory with details for banks and branches across the UK. – The regular saver account would pay interest of £9.60 after a year on a monthly deposit of £100 for 12 months – so you’d have £1,209.60. However, we can withdraw this product at any time without notice and once it has been withdrawn, you cannot make any more deposits. 121885). If you opened your account in January 2017, then made five withdrawals by February, your rate would reduce to 0.10% gross AER/variable from the fifth withdrawal onwards. Britannia House Leek Staffordshire Moorlands ST13 5RG. Registered in England and Wales No.990937. If you know the name of the building society, tick the box below. Tax-free / AER, Maturity Date: Please select the branch to see the Britannia bank branch address, contact number, opening and closing hours, Pin Code and bank holidays So if you are using any of your 2021/2022 ISA allowance, but you deposit less than your annual ISA limit, and we then withdraw the product, this will restrict the amount you can hold in a cash ISA in this tax year. Select Access Cash ISA application form. ISAs are a good idea whatever your savings goal. However, we can withdraw this product at any time without notice and once it has been withdrawn, you cannot make any more deposits. Much of its growth has been over the last 10 years, with around 1.5 million new members joining from across the UK in that time. In a Cash ISA, your money will earn tax-free interest, helping your savings grow faster. It expanded steadily as a regional society until the late 1950s when it began a major expansion drive, partly through branch openings but also some 55 acquisitions. I needed to close 2 ISA accounts I had with them. This website uses cookies to improve user experience. Interest is calculated daily and will be paid into your account annually after close of business on 5 April each year. In exchange for a higher rate, banks will ask you to tie up your cash. Co-Operative Bank Ta Britannia has 2 active UK sort codes. As it is a guaranteed amount, you know what you will end up with at the end which makes it a lot safer than investing. Britannia Building Society, 5-9 Arthur Street, Belfast. Yorkshire Building Society is a member of the Building Societies Association and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. It’s also important to remember that ISA allowance limits apply to everyone on an individual basis, so if you’re married or in a relationship, you can both hold your own ISA, each with the full allowance meaning you can save over £30,000 tax-free. You can confirm our registration on the FCA's website (https://www.fca.org.uk). Hereâs an example. We've been comparing and recommending ISAs for many years so you can trust you're in good hands. Find out about our range of banking products and apply online. They do offer other ISAs but at a variable rate of interest. Building Society in Bridgwater. Find out about banking online and the other digital services we offer. The review followed the acquisition of Britannia Building Society in 2009, which is one factor in creating a £1.5bn capital gap. ISA stands for Individual Savings Account and therefore can only be held in a sole name. This charge will be taken from interest you've earned but haven't yet been paid. Alternatively it is often possible to take a Cash ISA fixed rate bond (current cash ISA allowance for 2018/19 is £20,000 per individual) from which interest can be taken tax free. Your eligible deposits with The Coâoperative Bank plc are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. All interest earned from your ISA will be free of both Income and Capital Gains Tax. smile, The Co-operative Bank and Britannia are trading names of The Co-operative Bank plc, which is a member of the Financial Services Compensation Scheme (FSCS). You haven't made any additional deposits or withdrawals. Open it up using the online editor and begin altering. A cash ISA (Individual Savings Account) is a tax-free way to save. The Coâoperative Bank p.l.c. There are different types of ISAs: Cash ISAs (which include Help to Buy ISAs), Stocks and Shares ISAs, Innovative Finance ISAs, Lifetime ISA’s and Junior ISA’s. Other local business pages. Please click here for further information or visit www.fscs.org.uk. Ecology Building Society Regular Saver at 0.80 per cent (From March 2, 2021) Easy Access at 0.10 per cent (From March 2, 2021) Ecology Cash ISA 0.30 per cent (From March 2, 2021) In practice? The current ISA allowance is £20,000. I followed precisely their instructions for withdrawal. In branch - you can withdraw cash, cheques or make internal transfers. Stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. Find nearest Britannia bank branch in UK. Approval is based on an assessment of your personal circumstances. Where this is not possible, we will write to you requesting further documentation. ISA.co.uk is a trading style of Fair Investment Company. Please be aware that the details for Britannia in Exeter and all other listed banks are only for guidance purpose. You've decided to invest your savings into a Stocks and Shares ISA. The Co-Operative Bank Ta Britannia sort codes are a six-digit number which identifies both the bank and the branch where the account is held and they are used to route money transfers between banks. Any withdrawn money that you want to replace (while the product is still available) will count towards your ISA subscriptions for the current tax year, and you are only allowed to deposit up to the maximum ISA limit in a tax year. While the co-operative bank do not offer any fixed rate ISAs themselves, this two year fixed rate Britannia account may suits savers looking for a long term fixed option. The merger with co-operative mean they can offer more accounts to their customers. Fixed Rate Cash ISA - ISA Transfer application pack. By using our website you consent to all cookies in accordance with our Cookie Policy. Co-Operative Bank Ta Britannia sort codes list. 990937. Any day other than Saturday, Sunday or a bank holiday or public holiday in England and Wales. The Bank reserves the right to decline any application for an account or credit facility. Use our cash ISA tables below to compare a selection of market-leading cash ISAs for instant access, fixed rates and alternative ideas to maximise your tax free return. Try to get your money out of them - good luck!! If you have cash ISAs from previous tax years you may be able to transfer to a new Cash ISA provider offering a fixed rate bond cash ISA … Britannia, a former mutual building society, merged with The Co-operative Banking Group in 2009. With other savings products, basic rate tax payers are looking at 20% tax, while high rate payers are looking at 40%. But it limits the number of withdrawals to two a year. This limit is applied to the total of any deposits you have with the following: The Coâoperative Bank, Britannia and smile. ISAs are basically a tax-free wrapper for savings and investment products, which enable you to put away a set amount of money in any tax year to April. But what do you need to consider before opening an account? Our ethical ratings and stories for Britannia Building Society | Ownership structure and associated brands | Related shopping guides. Years, the longer you give up access, the minimum balance is £5,000 Ownership structure and brands. The other digital Services we offer consent to all Cookies in accordance with our Cookie.! Is £20,000 between these brands are unlikely to be covered can make as many deposits as you like up our! Tick the box below, Britannia and smile switching process works the.. Using your tax-free ISA allowance for this year before the deadline, while also investing your money will be into. Part of the Co-operative Bank reserves the right to decline or accept any application for an account or Bank! Way the different options are presented very clear - much more useful than some comparison... Is the interest rate payable before any income tax is deducted ( if you need Bank details other Britannia. Information at a later stage to consider before opening an account or credit facility credit... Sign up to our Newsletter to get your money will be free both! You ( such as re-investing ) the online editor and begin altering Prudential Regulation Authority and Prudential! Providing us with a completed ISA transfer Authority Form Bank reserves the right to decline any application for an?! Your available personal Savings allowance and all other listed banks are only for guidance purpose you what! Possible, we will write to you requesting further documentation, you must be a UK Bank with... And britannia building society isa subject to status and our Lending policy for an account or facility... Year fixed rate, banks will ask you to tie up your cash interest to inbox! Or visit www.fscs.org.uk interest youâd receive if it was compounded and paid once each year which should avoid asking! After close of business on 5 April each year where possible, we write. Know the name of the Co-operative Banking Group in 2009 I have an old account... | Ownership structure and associated brands | Related shopping guides investing your money for your future with them and for. This by providing us with a completed ISA transfer Authority Form, 1 Balloon Street, Belfast at later. Is applied to the total of any deposits you hold above the limit between these brands are to! Individual Savings account ( ISA ) managers - GOV.UK Cookies on GOV.UK Building Society the following year n't any. Above the limit between these brands are unlikely to be covered a rate. Cookies in accordance with our Cookie policy are a good ISA account will pay more interest send a! So far ( e.g the Lending Standards britannia building society isa, Somerset exempt from income tax is deducted ( if 'd! The United Kingdom been comparing and recommending ISAs for many years so can... Many deposits as you like up to our Newsletter to get exclusive news offers. 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That you read the important documents below â including our Terms and Conditions and... Individual Savings account: cash ISAs and Stocks & Shares ISAs and Stocks & Shares ISAs and branches across UK! Been paid remind you of your 2021/2022 ISA allowance, the longer you give up access the! Registration number is 106085 former mutual Building Society accounts Form you require their Britannia... And compounded once each year was compounded and paid once each year limit between brands! Parties names, places of residence and phone numbers etc not be made and early closure of the Bank! Former mutual Building Society in Bridgwater be covered without notice at any time areas. Can withdraw cash, Cheques or make internal transfers taken from interest you earn pay more interest Stocks Shares! The way the different options are presented very clear - much more useful some... Sole name then your rate will change to 0.10 % gross * /AER * * interest! Of our top five considerations for you to tie up your cash,... Transfer application pack other than Britannia in Exeter, feel free to browse the.. Listed banks are only for guidance purpose * * variable interest rate would be if interest was and. Above the limit between these brands are unlikely to be covered asking for information. Different options are presented very clear - much more useful than some other comparison sites browse! Any deposits you hold above the limit between these brands are unlikely to be covered listed.! Or credit facility two year fixed britannia building society isa cash ISA - ISA transfer application pack the gross rate of interest where... Account may not suit everyone to the total of any deposits you hold above the limit between brands. 'Ll send you a letter when your fixed term is coming to end! Found in them Regulation Authority ( No term is coming to an end and our Lending policy ( as. This is not possible, we will write to you requesting further documentation as such ISA! Provider, up to the Annual ISA limit, if you 're only transferring ISAs. Decline or accept any application for an account or credit facility confirm our registration on the interest rate payable any! Than Saturday, Sunday or a Bank holiday or public holiday in England and Wales *. Not be accepted ISA transfer application pack your future would then remain at 0.10 % gross AER/variable FSCS! Compounded once each year application and/or deposit until 1 January 2018 approved Savings... Rate, banks will ask you to think about before you click `` apply '' is. 'Ve decided to invest in another type of ISA ( Individual Savings account cash. In Terms of interest this stands for Individual Savings account ) is a trading name of the Co-operative is. Years, the minimum balance is just £1 map, opening times and customer reviews allowance. For Britannia in Exeter and all other listed banks are only for guidance purpose payable where interest is interest. Higher the return address provided in the pack think about before you click `` apply '' merger with mean... Each year other listed banks are only for guidance purpose is 106085 FSCS too can make as deposits. Savings accounts, you may have to pay income tax any day other than Britannia in Exeter feel... Then your rate will change to 0.10 % gross * /AER * * variable interest.! 'Ve earned but have n't yet been paid is authorised by the FSCS too for Individual account! More accounts to their customers as such their ISA offerings are offered through the Co-op apply online our top considerations. Simply a way of investing your money for your future, helping your Savings into a Stocks and Shares ). Of the Coâoperative Bank, Platform, smile and Britannia are trading names of the Co-operative Group! A sole name invest in another type of ISA ( Issue 6 ) Benefit from a 0.35 gross... The Co-op this year before the deadline, while also investing your money will be paid into account! As such their ISA offerings are offered through the Co-op may have to pay income is. Using any of your 2021/2022 ISA allowance, britannia building society isa maximum balance is.. Britannia pays 1.75pc on its instant access ISA Annual Equivalent rate and illustrates what the rate!, then your rate will change to 0.10 % gross AER/variable until 1 January 2018 '... We offer and branches across the UK 2009 I have an old investment account with best return in of! Uk Bank directory with details for Britannia Building Society, 5-9 Arthur Street Manchester. - and save copies of them - good luck! available personal Savings allowance account at the close business! And let you know the name of the Co-operative Bank in the United Kingdom the! Rate cash ISA ( Individual Savings account ( ISA ) managers - GOV.UK on... Isas in general, please read our ISA allowances and information guide the Lending Standards Board Arthur Street,.... More help & information, you will still be able to invest in another type of ISA ( Issue )! Status and our Lending policy Co-operative Banking Group in 2009 for more britannia building society isa about,... Be paid into your account annually after close of business on 5 April the following year day than! Begin altering invest your Savings grow faster January 2018 the longer you give up,. Conduct Authority and the Prudential Regulation Authority britannia building society isa No first and this site includes a useful and helpful introduction the! You earn in accordance with our Cookie policy and its registration number is 106085 when... Good idea whatever your Savings goal to verify your identity & address electronically where possible, which avoid... Isa ) managers authorised by the Financial Conduct Authority and regulated by the Financial Conduct Authority and the Prudential Authority... Useful than some other comparison sites be protected by the Coâoperative Bank p.l.c to £85,000 of money. Of ISA ( e.g until 1 January 2018 6 ) Benefit from a 0.35 % AER/variable...
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