Leeds Building Society Savings Rates 2026: Accounts & ISAs

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UK Leeds Building Society Savings Rate Guide · September 2026

Leeds Building Society Savings Rates 2026: Accounts & ISAs

Leeds Building Society savings rates in September 2026 range from straightforward online access accounts to regular savers, specialist home-buying accounts, fixed-rate bonds and Cash ISAs. The highest headline rate in the range checked for this guide is 6.50% AER, but that Member Regular Saver is restricted to qualifying existing Leeds Building Society members and has monthly deposit limits.

If you simply need flexible online access, the current Online Access Saver pays 4.20% AER variable. Fixed bonds in the range checked pay around 4.50% to 4.60% AER, while fixed Cash ISAs reach 4.60% tax-free AER. The right account depends on access, eligibility, deposit size, tax treatment and how long you can leave the money untouched.

Compare Official Savings Rates View Official Cash ISAs See September 2026 Rate Snapshot
Rates can change quickly: this article was checked against Leeds Building Society’s live product range on 21 September 2026. Variable rates may change and new product issues can replace the accounts shown here. Fixed products may also close to new deposits before their maturity date. Always open the live product page before applying.

Independent website: Building-society.org is not Leeds Building Society and cannot open, access, withdraw from, transfer or change a Leeds Building Society account.

Leeds Building Society Savings Rates: Quick Answers

Highest rate checked 6.50% Gross p.a./AER variable on the Branch & Post Member Regular Saver for qualifying existing members.
Online easy-access rate 4.20% Gross p.a./AER variable on the current Online Access Saver issue checked for this guide.
Regular Saver 4.45% Gross p.a./AER variable on Regular Saver Issue 81, with monthly funding and withdrawal restrictions.
Home Deposit Saver 4.80% Gross p.a./AER variable, designed for people building a deposit for a future home purchase.
Fixed bonds Current fixed-rate bonds checked range from 4.50% to 4.60% Gross p.a./AER depending on term.
Fixed Cash ISAs Current 1-, 2- and 3-year fixed Cash ISAs pay 4.50% tax-free AER; the 5-year issue pays 4.60%.
2026/27 ISA allowance £20,000 across ISAs during the tax year ending 5 April 2027, subject to ISA rules.
FSCS protection Eligible Leeds Building Society deposits are protected up to £120,000 per eligible depositor under the current standard FSCS limit.
Fast answer: do not compare these accounts by percentage alone. A 6.50% regular saver only applies to limited monthly contributions and qualifying members. A 4.20% online access account can be more practical for a larger emergency fund, while a 4.60% fixed bond can suit money you genuinely will not need during the fixed term.

Leeds Building Society Savings Rates: September 2026 Snapshot

These are the main rates that stand out in the live Leeds Building Society range checked on 21 September 2026. Some specialist and legacy accounts are not included because they serve narrower purposes or are no longer open to new savers.

Existing-member regular saver 6.50% Gross p.a./AER variable

Branch & Post Member Regular Saver

  • Qualifying existing Leeds members only.
  • Minimum operating balance: £100.
  • Maximum contribution: £250 per month.
  • Maximum contributions over term: £3,000.
  • One withdrawal per calendar year.
  • Variable rate until 1 November 2027.
Specialist easy access 5.50% Gross p.a./AER variable

Shared Ownership Saver

  • Requires a Leeds Building Society Shared Ownership mortgage.
  • Minimum balance: £100.
  • Maximum balance for the headline rate: £20,000.
  • Unlimited withdrawals.
Home deposit 4.80% Gross p.a./AER variable

Home Deposit Saver

  • Minimum operating balance: £100.
  • Headline rate applies up to £30,000.
  • Limited withdrawals.
  • Potential £500 bonus if qualifying conditions for a Leeds residential purchase mortgage are met.
Online access 4.20% Gross p.a./AER variable

Online Access Saver

  • Minimum opening and operating balance: £1,000.
  • Unlimited withdrawals to the nominated account.
  • Online only.
  • Current issue checked matures in October 2027.
General regular saver 4.45% Gross p.a./AER variable

Regular Saver Issue 81

  • Minimum operating balance: £100.
  • Save up to £250 per month.
  • Up to £6,000 across the 24-month term.
  • One withdrawal per calendar year.
Fixed bond 4.50%–4.60% Gross p.a./AER fixed

Fixed Rate Bonds

  • 1-, 2- and 3-year issues checked: 4.50%.
  • 5-year issue checked: 4.60%.
  • Minimum operating balance: £100.
  • No normal withdrawals before maturity.
Online Cash ISA 4.16% Tax-free p.a./AER variable

Online Access Cash ISA

  • Minimum balance: £1,000.
  • Unlimited withdrawals.
  • Online management.
  • Not a flexible ISA.
Fixed Cash ISA 4.50%–4.60% Tax-free p.a./AER fixed

Fixed Rate Cash ISAs

  • 1-, 2- and 3-year issues checked: 4.50%.
  • 5-year issue checked: 4.60%.
  • Minimum balance: £100.
  • Early withdrawals are possible but interest penalties apply.
Eligibility changes the answer: the 6.50% account is not a general easy-access account available to every new saver. Leeds says applicants must have been members continuously since 31 December 2025 and hold a qualifying Leeds savings account or mortgage. The 5.50% Shared Ownership Saver also requires a Leeds Shared Ownership mortgage.

Official comparison Compare Leeds Building Society Savings Accounts

After opening this link:

  1. Choose the account type you actually need: Cash ISA, fixed bond, online easy access, easy access, children’s savings or regular saver.
  2. Compare the current AER or tax-free AER rather than relying on an older search result.
  3. Check the minimum amount needed to open and maintain the headline rate.
  4. Read the withdrawal column carefully.
  5. Open the individual account and read its Summary Box.
  6. Check the Product Terms and Conditions before transferring a large balance.

Which Leeds Building Society Savings Account Type Fits Your Money?

Start with when you may need the money. Access is usually more important than chasing a small difference in AER and then discovering that the account limits withdrawals or locks the balance away.

Emergency savings Online easy access

Consider the Online Access Saver if you are comfortable managing the account online and can keep at least the required minimum balance.

Monthly saving habit Regular Saver

Useful when you plan to add up to £250 each month and do not need frequent withdrawals.

Existing member Member Regular Saver

Check whether you meet the membership cut-off because its 6.50% rate comes with specific eligibility and deposit limits.

Lump sum Fixed Rate Bond

Potentially suitable if you can leave the money untouched for the full fixed term.

Tax-free cash savings Cash ISA

Useful when ISA tax treatment matters. Choose between variable access and fixed-rate ISA options.

Buying a home Home Deposit Saver

Built around saving for a house deposit and may include a Leeds mortgage-related bonus if all qualifying conditions are met.

Leeds Building Society 6.50% Member Regular Saver

The Branch & Post Member Regular Saver has the highest headline rate found in the Leeds savings range checked for this article. It pays 6.50% Gross p.a./AER variable until 1 November 2027, but it is a loyalty product rather than a general account for every new customer.

You need to meet the membership rule

Leeds says applicants must be UK residents aged 18 or over and must have been Leeds Building Society members continuously since 31 December 2025 by holding a qualifying savings account with at least £1 or a Leeds mortgage.

The 6.50% rate does not apply to unlimited deposits

You can contribute up to £250 in a month, with maximum contributions of £3,000 over the 12-month term. This means the headline AER should not be compared directly with a normal easy-access account holding a much larger lump sum.

£250/month Maximum monthly contribution under the current product rules.
£3,000 Maximum total contributions over the 12-month term.
£3,089.38 Leeds’ own illustration for 12 monthly £250 deposits if the 6.50% rate does not change and no withdrawals are made.
1 withdrawal Current permitted withdrawal count per calendar year, including closure.

Official member saver Branch & Post Member Regular Saver

After opening this link:

  1. Confirm the current 6.50% rate has not changed.
  2. Read the membership eligibility date.
  3. Check your Leeds savings or mortgage relationship qualifies.
  4. Review the £250 monthly contribution limit.
  5. Check the withdrawal restriction and minimum balance.
  6. Read the Product Terms before applying in branch or by post.

Leeds Building Society Easy-Access Savings Rates

“Easy access” is not one single product at Leeds. Some accounts are genuinely unrestricted, while others limit how often you can withdraw. The interest rate can also depend on maintaining a minimum balance.

Account
Rate
Minimum
Access
Online Access Saver
4.20% variable AER
£1,000
Unlimited withdrawals to nominated account; online only.
Shared Ownership Saver
5.50% variable AER
£100
Unlimited, but only for qualifying Leeds Shared Ownership mortgage customers.
1 Year Single Access Saver
3.85% variable AER in range checked
£1,000
One withdrawal per calendar year under the current issue rules.
Five Access Saver
3.15% variable AER
£1,000
Up to five withdrawals per calendar year.
Minimum-balance trap: the Online Access Saver rate checked is 4.20% on qualifying balances, but Leeds states that if the balance drops below £1,000, the rate falls to 0.05% Gross p.a./AER variable. Do not treat £1,000 as merely an opening deposit if you expect to withdraw most of the money.

Official easy access Leeds Easy-Access Savings Accounts

After opening this link:

  1. Compare unlimited-access accounts with limited-withdrawal accounts separately.
  2. Check whether the account is online-only, branch/post or multi-channel.
  3. Check the minimum balance needed to keep the advertised AER.
  4. Open the current issue page because older issues can pay a different rate.

Regular Saver and Home Deposit Saver Rates

Leeds’ standard Regular Saver currently pays 4.45% Gross p.a./AER variable. It is designed for people building savings gradually rather than depositing a large lump sum on day one.

Regular Saver Issue 81 — 4.45%

  • Variable rate.
  • Minimum operating balance: £100.
  • Maximum monthly payment: £250.
  • Maximum contributions: £6,000 over 24 months.
  • One withdrawal per calendar year.
  • Current term runs to 4 September 2028.

Home Deposit Saver — 4.80%

  • Variable rate.
  • Minimum operating balance: £100.
  • Headline rate applies up to £30,000.
  • Designed around building a home deposit.
  • Limited withdrawals.
  • Potential £500 Leeds mortgage bonus when qualifying conditions are met.
Regular-saver maths is different: you do not earn the headline AER for a full year on every £250 monthly contribution because later deposits are in the account for fewer months. Do not multiply the final £3,000 or £6,000 total by the AER and assume that is the interest you will receive.

Official regular savers Leeds Regular Savings Accounts

After opening this link:

  1. Check whether you qualify for a member-exclusive product first.
  2. Compare the regular saver rate with the Home Deposit Saver if buying a home is your goal.
  3. Read the monthly deposit limit.
  4. Check the withdrawal count before using the account for emergency savings.
  5. Review the maturity date and what happens when the term ends.

Leeds Building Society Fixed Rate Bonds in 2026

Fixed-rate bonds exchange access for certainty. In the range checked, Leeds offers 1-, 2- and 3-year bonds at 4.50% Gross p.a./AER and a 5-year bond at 4.60%.

Term
Rate
Minimum
Normal access
1 Year Fixed Rate Bond
4.50% fixed AER
£100
No withdrawals until maturity.
2 Year Fixed Rate Bond
4.50% fixed AER
£100
No withdrawals until maturity.
3 Year Fixed Rate Bond
4.50% fixed AER
£100
No withdrawals until maturity.
5 Year Fixed Rate Bond
4.60% fixed AER
£100
No withdrawals until maturity.
Important September deadline: the 5 Year Fixed Rate Bond issue checked for this guide states that deposits can only be made up to 30 September 2026. Fixed products can close or be replaced, so check availability immediately before applying rather than relying on this snapshot.

Official fixed bonds Leeds Fixed Rate Bonds

After opening this link:

  1. Choose how long you can genuinely leave the lump sum untouched.
  2. Compare annual-interest and monthly-income versions if both are shown.
  3. Check the final date for making deposits.
  4. Read the maturity date rather than assuming it is exactly one, two, three or five years from your application date.
  5. Do not open a fixed bond with money you may need for emergencies.

Leeds Building Society Cash ISA Rates 2026

Cash ISAs pay interest without UK income tax under ISA rules. For the 2026/27 tax year, the overall ISA subscription limit remains £20,000. Leeds offers both variable-access Cash ISAs and fixed-rate Cash ISAs.

Cash ISA
Rate
Minimum
Access rule
Online Access Cash ISA
4.16% tax-free variable AER
£1,000
Unlimited withdrawals, but it is not a flexible ISA.
1 Year Fixed Rate Cash ISA
4.50% tax-free fixed AER
£100
Early withdrawal allowed with 90 days’ interest penalty.
2 Year Fixed Rate Cash ISA
4.50% tax-free fixed AER
£100
Early withdrawal with 180 days’ interest penalty.
3 Year Fixed Rate Cash ISA
4.50% tax-free fixed AER
£100
Early withdrawal with 270 days’ interest penalty.
5 Year Fixed Rate Cash ISA
4.60% tax-free fixed AER
£100
Early withdrawal with 365 days’ interest penalty.
2026/27 ISA allowance: UK rules allow up to £20,000 of ISA subscriptions during the tax year from 6 April 2026 to 5 April 2027. Transfers of qualifying previous-year ISA money can be treated differently from new subscriptions, so use the formal ISA transfer process.
Change from 6 April 2027: the UK government has announced a £12,000 annual Cash ISA limit for people under 65 from the 2027/28 tax year, while people aged 65 or over retain a £20,000 Cash ISA limit. The overall ISA limit remains £20,000. That future rule does not reduce the current 2026/27 £20,000 ISA allowance.

Official Cash ISAs Compare Leeds Building Society Cash ISAs

After opening this link:

  1. Choose whether you need easy access, limited access or a fixed rate.
  2. Check the live tax-free AER.
  3. Read the minimum balance and maturity date.
  4. For fixed ISAs, calculate whether the early-withdrawal interest penalty is acceptable.
  5. If moving an existing ISA, use the ISA transfer process rather than withdrawing the money yourself.

Transferring an ISA to Leeds Building Society

If you already hold a Cash ISA or another eligible ISA elsewhere, transferring it can preserve the tax treatment of the money. Do not automatically withdraw the money into an ordinary current account and then try to pay it into a Leeds ISA.

Choose a Leeds Cash ISA that accepts transfers.
Check whether your existing ISA provider charges or restricts transfers.
Open the Leeds ISA if required.
Complete the official ISA transfer authority process.
Keep the old ISA open until the transfer instructions are accepted where appropriate.
Check the transferred balance after completion.

Official ISA transfer Leeds ISA Transfer Options

After opening this link:

  1. Choose whether the ISA is already with Leeds or another provider.
  2. Check that the receiving Leeds ISA still accepts transfers.
  3. Use the online, postal, branch or telephone route shown for your situation.
  4. Complete the Cash ISA transfer authority form where required.
  5. Do not send money using ordinary bank-transfer details unless Leeds specifically instructs you to do so for that transfer.

What These Leeds Savings Rates Mean in Pounds

AER is useful for comparing accounts, but the pound return depends on balance, timing, rate changes and withdrawals. The illustrations below are simple one-year examples and are not promises of future interest.

£10,000 at 4.20% About £420 gross interest over 12 months if the variable rate stayed unchanged and the qualifying balance was maintained.
£10,000 at 4.50% About £450 interest over one year on a simple annualised basis where the fixed product and payment timing match the illustration.
£10,000 at 4.60% About £460 for one year on a simple annualised basis; multi-year fixed accounts compound differently depending on interest payment instructions.
£10,000 ISA at 4.16% About £416 tax-free interest for 12 months if the variable rate stayed unchanged.
Gross vs tax-free: “Gross” means Leeds pays the interest without deducting income tax. Whether you ultimately owe tax on ordinary savings interest depends on your circumstances and available allowances. “Tax-free” on a Cash ISA means qualifying ISA interest is exempt from UK income tax under ISA rules.

Already Have a Leeds Savings Account? Your Rate May Be Different

Leeds has many older savings issues that are no longer the current new-customer version. An account opened in a previous year may therefore have a different rate, minimum balance or maturity date from the new issue shown above.

Leeds published several savings-rate reductions during early 2026. For example, older Online Access Saver issues, Regular Savers, Six Access ISAs and various branch/post accounts were affected by rate changes. Use the exact account name and issue number when checking your rate.

Find the full account name.
Find the issue number.
Check your online account, passbook or opening letter.
Compare it with Leeds’ savings-account changes page.
Check whether a product transfer is available.
Do not close an ISA before checking transfer rules.

Existing accounts Leeds Savings Account Rate Changes

After opening this link:

  1. Find your exact account name and issue number.
  2. Look for the latest change that applies to that issue.
  3. Check the implementation date rather than assuming the change happened on announcement day.
  4. If the rate is no longer competitive for your needs, compare current Leeds products and suitable alternatives before moving the money.

What Happens When a Leeds Fixed or Term Savings Account Matures?

Leeds says it normally contacts savers around two weeks before maturity with the available options. You can generally keep saving with Leeds, withdraw the money or move only part of the balance.

Do not ignore a maturity message: Leeds says that if you give no maturity instruction, the money can move automatically into an instant-access maturity account even if another available account has a better rate.
September 2026 member promise: Leeds has published a savings promise saying that when you provide maturity instructions, it will give you the best available rate for your chosen new account at maturity, or move you to a newer issue of the same account type if that rate rises before the new account starts. Read the current promise and product rules for the precise conditions.

Official maturity guide Leeds Savings Maturity Guide

After opening this link:

  1. Find your account name and issue number.
  2. Check the exact maturity date.
  3. Compare the accounts Leeds offers for maturity proceeds.
  4. Compare external alternatives too if you are free to transfer the money.
  5. Submit instructions before maturity where possible.
  6. Check the new account after maturity to confirm the money moved as expected.

Leeds Building Society’s 2026 Savings Promises

In September 2026, Leeds published a new set of member promises covering savings and branches. They are useful context for existing savers, although they should not replace reading the legal terms of an individual account.

No savings accounts only for new customers Leeds says it will not reserve a savings account exclusively for new members.
Existing-member rewards Leeds says it will periodically provide existing members with access to exclusive savings accounts.
Maturity rate protection Leeds says it will apply the best available rate for the chosen maturity account under the conditions of its published promise.
Branch promises Leeds says its branch promises will remain in place until September 2031.

Official member promises Leeds Building Society Member Promises

After opening this link:

  1. Read the current savings promises.
  2. Check the date because Leeds says the savings promises will be reviewed.
  3. Treat the promise as additional context, not a substitute for your Product Terms and Conditions.
  4. For a member-exclusive account, check its separate eligibility rules before applying.

Is Money With Leeds Building Society Protected by FSCS?

Leeds states that eligible deposits are protected by the Financial Services Compensation Scheme up to the current standard limit of £120,000 per eligible depositor.

Within the standard limit

Eligible personal deposits held with Leeds Building Society generally fall within FSCS deposit protection up to the applicable compensation limit.

Above the standard limit

Leeds warns that deposits above the standard protection limit are unlikely to be covered, although separate temporary-high-balance rules can apply in certain qualifying circumstances.

Large balance? Do not assume £120,000 applies separately to every Leeds savings account you open. The standard limit relates to eligible deposits with the authorised institution, not to each account individually.

Official terms & FSCS Leeds Savings Terms, Conditions and FSCS Information

After opening this link:

  1. Find the current FSCS information section.
  2. Open the FSCS information sheet if you need the detailed protection rules.
  3. Check whether all money you hold with Leeds counts towards one standard protection limit.
  4. For temporary high balances or unusual ownership structures, check directly with FSCS.

How to Compare and Open a Leeds Building Society Savings Account

Leeds supports different opening routes depending on the product. Some accounts can be opened online, while others also support branch or postal applications.

  1. Decide how much access you need. Separate emergency money from savings that can be fixed away.
  2. Open the live Leeds comparison page. Rates and product issues can change.
  3. Check eligibility. Member, Shared Ownership, age and residency restrictions can exclude an otherwise attractive account.
  4. Check the minimum balance. Some headline rates fall sharply if the balance drops below the stated threshold.
  5. Read withdrawal rules. Count limits, early-access charges and “online only” restrictions matter.
  6. Read the Summary Box and Product Terms. Check maturity, maximum balance, interest-payment date and closure rules.
  7. Prepare identification. Leeds may verify you electronically or ask for supporting ID and address documents if automatic verification fails.
  8. Apply through the official Leeds route. Use online, branch or post only where the chosen product supports it.
  9. Check the first deposit deadline. Fixed products can stop accepting deposits before their eventual maturity date.
  10. Keep your opening confirmation. Save the account name, issue number, rate and Product Terms for later rate and maturity checks.

Official identification Identification for Leeds Savings Applications

After opening this link:

  1. Read how Leeds verifies identity electronically.
  2. If electronic verification fails, check which name document and address document are accepted.
  3. Check how recent an address document must be.
  4. Follow Leeds’ instructions for certified copies rather than sending original documents unless specifically requested.

Leeds Building Society Savings Contact Details

Savings enquiries

Phone: 03450 505 075

Monday–Friday: 8am–6pm

Saturday: 9am–5pm

Sunday & bank holidays: Closed

Head office

Leeds Building Society
26 Sovereign Street
Leeds
West Yorkshire
LS1 4BJ

Use the branch finder rather than travelling to head office when you need ordinary counter service.

Need a branch?

Leeds savings products vary by opening and management channel. Check the exact branch and its opening hours before travelling.

Find a Leeds Building Society branch

Official savings support Leeds Building Society Savings Help

After opening this link:

  1. Choose the savings task matching your problem.
  2. For an account-specific issue, have the account name and issue number ready.
  3. Use secure messaging when available for private account information.
  4. Avoid including financial or banking information in an ordinary unsecured email.
  5. Check the published telephone hours before calling.

Common Leeds Savings Mistakes to Avoid

Assuming 6.50% is available to everyone The Member Regular Saver has existing-member eligibility and monthly deposit restrictions.
Ignoring the minimum balance Some products fall to a much lower rate when the qualifying minimum is not maintained.
Putting emergency cash into a fixed bond Leeds’ standard fixed bonds checked do not permit normal withdrawals before maturity.
Withdrawing an ISA to transfer it Use the formal ISA transfer process when preserving tax-free ISA status matters.
Comparing regular-saver AER with a lump-sum account Monthly deposits spend different amounts of time earning interest, so the final pound return is calculated differently.
Ignoring maturity A maturing fixed account can move into an instant-access maturity account if no instruction is provided.
Using an old issue’s rate Issue numbers matter. Your existing account may not pay the same rate as the current version.
Assuming every £120,000 is protected separately The FSCS standard limit does not reset for every Leeds account held by the same eligible depositor.

Leeds Savings vs Cash ISA: A Practical Decision Check

Ordinary savings may make sense when

  • The gross rate is clearly stronger for your chosen access level.
  • You are unlikely to pay tax on the interest under your personal circumstances.
  • You do not need to preserve ISA space.
  • You want a specialist Leeds product such as the Member Regular Saver or Home Deposit Saver.

A Cash ISA may make sense when

  • Tax-free interest is valuable to you.
  • You already have ISA money that you want to transfer without losing ISA status.
  • You want to protect more of your savings interest from future tax.
  • The available Cash ISA rate and access rules suit your needs.
This is general information, not personal tax or financial advice. Your tax position depends on your circumstances and tax rules can change.

Related Building Society Guides

Leeds does not need to be your only comparison. Looking at other mutuals can help you judge whether its access rules, loyalty products and Cash ISA rates fit your savings goal.

Leeds Building Society: Savings, Mortgages & Account Help Nationwide Building Society: Savings, Mortgages & Help Yorkshire Building Society: Savings, Mortgages & Online Banking Chelsea Building Society: YBS Accounts, Rates & Customer Help

Official Sources Used for This Leeds Savings Rate Guide

Product rates can change after publication. Use these Leeds Building Society and government pages to confirm the live position before moving money.

All Leeds Savings Accounts Easy-Access Savings Online Savings Regular Savers Member Regular Saver Home Deposit Saver Fixed Rate Bonds Cash ISAs ISA Transfers Savings Rate Changes Savings Maturity Guide Terms & FSCS Information Leeds Member Promises GOV.UK ISA Rules

How This 2026 Rate Guide Was Checked

Live Leeds savings comparison reviewed.
Easy-access savings checked.
Online Access Saver checked.
Member Regular Saver eligibility checked.
Regular Saver Issue 81 checked.
Home Deposit Saver checked.
Fixed Rate Bond range checked.
Cash ISA range checked.
ISA withdrawal penalties checked.
2026/27 ISA limit checked.
April 2027 Cash ISA rule change checked.
Current £120,000 FSCS position checked.
Savings support details checked.
September 2026 member promises checked.

Rate snapshot checked 21 September 2026. New issues can replace existing products without this article changing immediately, so the linked Leeds product page remains the final source for a live application.

Independent Financial Information Notice

Building-society.org is an independent informational website and is not Leeds Building Society, the Financial Conduct Authority, Prudential Regulation Authority, HM Revenue & Customs or the Financial Services Compensation Scheme.

This page does not provide personalised savings, investment or tax advice. Interest rates, ISA rules, account availability, maturity terms, withdrawal limits and eligibility can change. Check the official product Summary Box and Product Terms before applying or transferring money.

Account security: never enter your Leeds Building Society online password, full security details, account authentication code or other private login information on Building-society.org.

Leeds Building Society Savings Rates FAQs

1. What is the highest Leeds Building Society savings rate in September 2026?

The highest headline rate found in the range checked on 21 September 2026 is 6.50% Gross p.a./AER variable on the Branch & Post Member Regular Saver. It is restricted to qualifying existing Leeds Building Society members and permits monthly contributions of up to £250.

2. What is the Leeds Building Society easy-access savings rate?

The Online Access Saver issue checked for this guide pays 4.20% Gross p.a./AER variable with a £1,000 minimum operating balance and unlimited withdrawals to a nominated account. Other Leeds easy-access products have different rates and withdrawal limits.

3. What rate does the Leeds Building Society Regular Saver pay?

Regular Saver Issue 81 pays 4.45% Gross p.a./AER variable in the range checked. It allows up to £250 of deposits per month, up to £6,000 during the 24-month term, and normally permits one withdrawal per calendar year.

4. What are Leeds Building Society fixed bond rates in 2026?

The fixed-bond range checked includes 1-, 2- and 3-year products at 4.50% Gross p.a./AER fixed and a 5-year product at 4.60%. Current fixed bonds require at least £100 and do not normally permit withdrawals before maturity.

5. What are Leeds Building Society Cash ISA rates?

The range checked includes an Online Access Cash ISA at 4.16% tax-free variable AER, 1-, 2- and 3-year fixed Cash ISAs at 4.50% tax-free AER and a 5-year fixed Cash ISA at 4.60%. Product availability and issue numbers can change.

6. What is the ISA allowance for the 2026/27 tax year?

The UK ISA subscription limit for the tax year from 6 April 2026 to 5 April 2027 is £20,000. ISA transfers from previous tax years can be treated differently from new subscriptions, so use the official transfer process when moving existing ISA money.

7. Is the Cash ISA allowance changing in 2027?

Yes. From 6 April 2027, the UK government has announced a £12,000 Cash ISA limit for people under 65, while those aged 65 or over retain a £20,000 Cash ISA limit. The overall ISA limit remains £20,000. The change does not affect the current 2026/27 £20,000 ISA limit.

8. How much Leeds Building Society savings money is protected by FSCS?

Leeds Building Society currently states that eligible deposits are protected up to a total of £120,000 per eligible depositor by the Financial Services Compensation Scheme. The standard limit applies across eligible deposits with the institution rather than separately to each savings account.

9. How do I check the rate on an older Leeds Building Society savings account?

Find the exact account name and issue number on your online account, passbook, opening letter or email. Then use Leeds Building Society’s savings-account changes and product information pages to identify the rate applying to that issue.

10. What is the Leeds Building Society savings contact number?

Leeds Building Society currently publishes 03450 505 075 for savings enquiries. Published hours are Monday to Friday 8am–6pm and Saturday 9am–5pm, with Sunday and bank holidays closed. Check the official savings-help page before calling in case these hours change.

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