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Jude
Steps 5 of 9
Key dates
| Opens | 12 Oct 2026 |
| Funds by | 26 Oct 2026 |
| Rate fixed to | 26 Oct 2027 |
| Maturity notice | 26 Sep 2027 |
| Cancel by | 26 Oct 2026 · 14 days |
Savings you hold
| Account | AER | Balance |
|---|---|---|
| Easy Saver | 3.60% | £12,480.55 |
| Fixed Saver 1 yr | 4.05% | £10,000.00 |
| Cash ISA | 3.85% | £16,250.00 |
| Lifetime ISA | 4.10% | £8,640.00 |
| Business saver | 3.40% | £25,000.00 |
How should interest be paid? Step 5 of 9Example data
Pay interest
| Option | Rate | Paid | Year total | |
|---|---|---|---|---|
| Monthly | 3.98% gross | £33.17 a month | £398.04 | Chosen |
| Annually | 4.05% gross | 26 Oct 2027 | £405.00 | +£6.96 |
Pay it into
| Account | Note | |
|---|---|---|
| Current account · **0012 | spend it monthly | Chosen |
| Easy Saver · **0031 | 3.60% AER variable | |
| Back into this saver | not allowed | No |
TermsRates fixed today
| Term | AER | Interest | Matures | Note | |
|---|---|---|---|---|---|
| 6 months | 3.90% | £193.50 | 26 Apr 2027 | 1 in 6 months | |
| 1 year | 4.05% | £405.00 | 26 Oct 2027 | Matches Mar 2027 fix | Chosen |
| 18 months | 4.00% | £604.00 | 26 Apr 2028 | ||
| 2 years | 3.95% | £806.03 | 26 Oct 2028 | ||
| 3 years | 3.85% | £1,200.31 | 26 Oct 2029 | ||
| 5 years | 3.80% | £2,050.75 | 26 Oct 2031 | Longest lock-in | Low flex |
Projected interest, 12 months
Monthly, paid out (cumulative)AnnuallyEasy Saver if rates fall
Summary Draft
Account nameFixed Saver 1 yrAmount£10,000.00 from Easy SaverAER4.05% fixed for 12 monthsGross3.98% monthly · 4.05% annualInterest£33.17 a month to Current accountTotal interest£398.04AccessNo withdrawals until 26 Oct 2027Cancel14 days, no chargeAt maturityNot set · step 6
Summary box
| Interest rate | 4.05% AER / 3.98% gross monthly |
| Can it change? | No, fixed for the term |
| £10,000 after 12 months | £10,398.04 paid out |
| Open and manage | 18+, EDGE ID, app |
| Withdrawals | Not permitted |
TaxAsk Jude
Savings interest 2026/27£1,186 projectedPersonal Savings Allowance£500 · higher rateOver allowance£686 taxable at 40%Cash ISA room£3,750 left
Next decision
£3,750 of this could go in the Fixed Cash ISA at 4.00% tax-free: saves £60 tax
Tell Jude what you intend to do
JudeAI · Qwen 27B on Civo