When you earn interest on your savings, it’s important to understand when you might need to pay tax. It’s also useful to know about tax-free allowances and accounts, helping you to keep and grow your money safely.

• Interest on fixed-rate bonds.
• Interest on peer-to-peer loans.
• Interest on government and corporate bonds.

The value of investments can fall as well as rise. You may get back less than you invest. If you’re unsure which investments are right for you please seek independent advice. Tax rules can change and their effects on you will depend on your individual circumstances.

• No annual limit to accounts usage.
• Flexible and suitable withdrawals
• Accessible for and to all investors

Packaged gold accounts are bank accounts that give you added extras just for using your account. These extras depend on the account type but can be anything from phone insurance, to breakdown cover or fee-free debit card purchases abroad. They also come with a monthly fee and will have certain criteria for applicants.

• Earn $4 a month in Rewards for 2
• Earn $1 a month in Rewards
• Earn Rewards as cash back into your account