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Where there is more than one interest rate applicable, for example the standard and conditional bonus rates on Premium Saver and Savings Builder, the rates are combined using a standard calculation to provide the total interest rate payable.

If you have a Savings Builder and are on the first bonus step you will be told ‘your rates have been combined’. This is because Savings Builder has a standard interest rate of 0.00%, plus any bonus interest rate applicable. We are combining the 0.00% standard rate and the bonus rate together to provide a total figure. 

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