Savings:

Know more about how your savings can work for you before you invest…

For an overview of our Savings products visit our Savings Range page online. For full terms and conditions on Direct Access Savings (no-frills, no-penalties savings) and Cash Mini ISAs (tax-free savings up to £3,000 a year) go to Important Information in their relevant sections. Further details on Stocks and Shares ISAs can be found under Key Features.

When your investment has been approved we will send you a personalised Savings Agreement to accompany these documents.

Full Terms and Conditions

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The Rates

• Gross is the contractual rate of interest paid yearly without deduction of income tax
• Annual Equivalent Rate (AER) is the contractual interest rate as if paid and compounded on an annual basis
• For illustration purposes, rates are rounded to 2 decimal places. When actual interest is paid, rates are calculated to 4 decimal places
• If monthly interest is credited to the account and left for 12 months, the effect of compounding (i.e. interest paid on the interest) means that the gross rates for monthly and annual payment options are the same
• Rates subject to variation. Correct as at 1st February 2008
  

General

• Savings accounts are provided by The Royal Bank of Scotland plc trading as Direct Line, 339 Southbury Road, Enfield, Middlesex EN1 1TW
• Deposits and withdrawals via your nominated external bank account – allow 3 working days
• We will try to resolve any complaint in a reasonable and professional way.

Accessibility

Direct Line has a variety of facilities in place to ensure that as many visitors and customers as possible can use our services.

Phone

For example:
18001 + area code + number.

To use Text phone, please call 0208 344 5705. Alternatively Direct  Line Financial Services will deal with anyone who has Power of Attorney for you, should you be unable to contact us yourself.

Print

Direct Line shall also be happy to send you any of our brochures, letters or statements in Braille, large print or audio, upon request.

Banking Code

How we can help?

Direct Line is committed to providing the highest standard of customer service to all our customers.  However, if we fall short of this standard, we would like you to tell us, so that  we can do everything possible to ensure your complaint it is dealt with quickly and fairly.

How to complain by telephone

Call: 0845 300 1230

Lines open 8am-8pm Monday to Friday, 9am-5pm on Saturday 

If our Customer Advisors are unable to resolve your complaint, we will arrange for the relevant person to investigate the complaint on your behalf and reply to you as quickly as possible.

How to complain by letter, e-mail or fax

Customer Feedback
Direct Line
250 St Vincent Street
Glasgow G2 5SH

E-mail: !GOBBGLACustomerTeam@rbs.co.uk
Fax: 0141 308 4026

Financial Ombudsman Service

If we have been unable to resolve your complaint within 8 weeks, you can refer your complaint to the Financial Ombudsman Service.

Or, if all reasonable avenues to resolve your complaint have been exhausted, we will send you a "final response" letter.

This will allow you to refer your complaint to the Financial Ombudsman Service, who, once contacted, will liaise with Direct Line on your behalf. The Financial Ombudsman Service will then inform you directly of their decision.

The Financial Ombudsman Service contact details are:

The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR

Telephone enquiries: 0845 080 1800
Fax enquiries: 0207 964 1001
E-mail: enquiries@financial-ombudsman.org.uk

The complaints procedures outlined here do not affect your legal rights.