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Call: 01494 879500

Chiltern Gold Nuggets Regular Saver Cash ISA

Instant access 3.90% Tax Free pa / AER

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Find out more...
  • Summary Back Copy 2
    • What is the interest rate?

      3.90% Tax Free pa / AER

      Interest is calculated daily and paid annually at 31st December into this account.

    • Can Buckinghamshire Building Society change the interest rate?

      Yes, interest rates are variable and we can change them at any time. Any changes will be made in accordance with Section 8 of our General Terms and Conditions which sets out when we can vary the interest rate and how and when we will notify you.

    • What would be the estimated balance after 12 months based on a monthly investment of £100?

      The estimated balance after 12 months based on a regular deposit of £100 would be £1,225.54.

      This estimation assumes that:
       - £100 is deposited on opening the account and each month thereafter.
       - No additional deposits or withdrawals are made.
       - Interest is paid annually and added to the account.

      This projection is provided for illustrative purposes only and does not take into account your individual circumstances

    • How do I open and manage my account?

      • This account can be opened online, in branch or by post.
      • You must be aged 18 or over to open this account and it can only be opened in single names.
      • On opening this account, we will send you a standing order form for you to make your monthly payments directly from your bank account. Please arrange for this to arrive between 1st and 26th of each month.
      • You can open an account with an initial investment of between £10 and £1,666.66 for the current tax year. Then you may deposit up to £1,666.66 each month going forward.
      • You can make a cash deposit by visiting the branch, send a cheque made payable to the account holder or make a bank transfer.
      • If your application was made online the first payment into your account must come from your nominated account.
      • There are no penalties for missed subscriptions, however, please be aware that if you do miss a subscription, you cannot make up the amount missed during the tax year
      • You can open and contribute to multiple Cash ISAs within a single tax year, but the total amount contributed across all your ISAs cannot exceed the annual subscription limit set by HM Revenue & Customs.
      • If you start saving into this Cash ISA part way through the tax year, you will not be able to save the total annual Cash ISA allowance into this account.
      • By investing in this Cash ISA you will be limiting the amount you can invest in the other types of ISAs. Visit gov.uk/individual-savings-accounts for more details.
      • We do not accept transfers from other providers into this Cash ISA.
      • You can manage your account by post, in branch or online via mybbs.
    • Can I withdraw money?

      • Yes, you can take money out at any time.
      • You can withdraw in cash at our branch, or by cheque, or bank transfer to your nominated account.
      • Withdrawal requests to your nominated account can also be made in writing via post or through mybbs.
      • All withdrawals are subject to our daily limits which are outlined in our General Savings Terms and Conditions.
      • We offer full and partial transfers out to other participating ISA providers.
      • If you have subscribed the maximum annual limit to your Cash ISA and make a withdrawal, you cannot replace the amount withdrawn during that tax year.
    • Additional Information

      • Interest will be paid exempt of UK income tax.
      • You may need to pay tax on any interest that exceeds your Personal Savings Allowance. For more information, please contact HMRC.
      • AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year.
      • We have no current plans to withdraw this product although it can be withdrawn without notice.
  • Important Information Back Copy 2

    You should read this information carefully in conjunction with our Cash ISA Terms and Conditions and General Savings Terms and Conditions to ensure you understand them.

    Upon opening one of these accounts you will automatically become a member and be bound by the Society's Rules, a copy of which is available on request.

    If you wish a third party to operate this account on your behalf, a Power of Attorney should be in place.

    For new customers we require a photocopy of your identification documents (this does not need to be certified). Our identification leaflet details the documents you will need to provide. In order to keep your moneysafe from fraud, we will also use a Financial Conduct Authority approved electronic system to verify your
    identity.

    You can apply online by registering through mybbs, alternatively you can complete an application form by downloading it from the website or contact us and we will send you a form in the post. Please read and complete all sections of the form.

    The Society operates a 14 day cancellation period, so if you change your mind about opening an account you will receive back all your original capital plus any interest accrued.

    We have a complaints procedure designed to meet the Regulatory requirements, which we will provide on request or is available on our website www.bucksbs.co.uk. If you are unhappy with the way we have resolved your complaint you may be able to contact the Financial Ombudsman Service at www.financial–ombudsman.org.uk

  • How To Apply Back Copy 2

    To Open an Account

    Click the button above to apply online or download and complete the application form and return it to us by post or to the branch.

    Financial Services Compensation Scheme

    You must read the Information Sheet which gives all the details of the FSCS and how you are covered.

    The FSCS is the UK's statutory fund of last resort for customers of financial services firms. This means that the FSCS can pay compensation to consumers if a financial services firm is unable, or likely to be unable, to pay claims against it. The FSCS is an independent body, set up under the Financial Services & Markets Act 2000 (FSMA).

    Verifying your Identity

    In order to help you to keep your money safe from fraud we verify the identity of all customers opening a new savings account with the Society. Click here to see the list of required ID documents.

    • What is the interest rate?

      3.90% Tax Free pa / AER

      Interest is calculated daily and paid annually at 31st December into this account.

    • Can Buckinghamshire Building Society change the interest rate?

      Yes, interest rates are variable and we can change them at any time. Any changes will be made in accordance with Section 8 of our General Terms and Conditions which sets out when we can vary the interest rate and how and when we will notify you.

    • What would be the estimated balance after 12 months based on a monthly investment of £100?

      The estimated balance after 12 months based on a regular deposit of £100 would be £1,225.54.

      This estimation assumes that:
       - £100 is deposited on opening the account and each month thereafter.
       - No additional deposits or withdrawals are made.
       - Interest is paid annually and added to the account.

      This projection is provided for illustrative purposes only and does not take into account your individual circumstances

    • How do I open and manage my account?

      • This account can be opened online, in branch or by post.
      • You must be aged 18 or over to open this account and it can only be opened in single names.
      • On opening this account, we will send you a standing order form for you to make your monthly payments directly from your bank account. Please arrange for this to arrive between 1st and 26th of each month.
      • You can open an account with an initial investment of between £10 and £1,666.66 for the current tax year. Then you may deposit up to £1,666.66 each month going forward.
      • You can make a cash deposit by visiting the branch, send a cheque made payable to the account holder or make a bank transfer.
      • If your application was made online the first payment into your account must come from your nominated account.
      • There are no penalties for missed subscriptions, however, please be aware that if you do miss a subscription, you cannot make up the amount missed during the tax year
      • You can open and contribute to multiple Cash ISAs within a single tax year, but the total amount contributed across all your ISAs cannot exceed the annual subscription limit set by HM Revenue & Customs.
      • If you start saving into this Cash ISA part way through the tax year, you will not be able to save the total annual Cash ISA allowance into this account.
      • By investing in this Cash ISA you will be limiting the amount you can invest in the other types of ISAs. Visit gov.uk/individual-savings-accounts for more details.
      • We do not accept transfers from other providers into this Cash ISA.
      • You can manage your account by post, in branch or online via mybbs.
    • Can I withdraw money?

      • Yes, you can take money out at any time.
      • You can withdraw in cash at our branch, or by cheque, or bank transfer to your nominated account.
      • Withdrawal requests to your nominated account can also be made in writing via post or through mybbs.
      • All withdrawals are subject to our daily limits which are outlined in our General Savings Terms and Conditions.
      • We offer full and partial transfers out to other participating ISA providers.
      • If you have subscribed the maximum annual limit to your Cash ISA and make a withdrawal, you cannot replace the amount withdrawn during that tax year.
    • Additional Information

      • Interest will be paid exempt of UK income tax.
      • You may need to pay tax on any interest that exceeds your Personal Savings Allowance. For more information, please contact HMRC.
      • AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year.
      • We have no current plans to withdraw this product although it can be withdrawn without notice.
  • You should read this information carefully in conjunction with our Cash ISA Terms and Conditions and General Savings Terms and Conditions to ensure you understand them.

    Upon opening one of these accounts you will automatically become a member and be bound by the Society's Rules, a copy of which is available on request.

    If you wish a third party to operate this account on your behalf, a Power of Attorney should be in place.

    For new customers we require a photocopy of your identification documents (this does not need to be certified). Our identification leaflet details the documents you will need to provide. In order to keep your moneysafe from fraud, we will also use a Financial Conduct Authority approved electronic system to verify your
    identity.

    You can apply online by registering through mybbs, alternatively you can complete an application form by downloading it from the website or contact us and we will send you a form in the post. Please read and complete all sections of the form.

    The Society operates a 14 day cancellation period, so if you change your mind about opening an account you will receive back all your original capital plus any interest accrued.

    We have a complaints procedure designed to meet the Regulatory requirements, which we will provide on request or is available on our website www.bucksbs.co.uk. If you are unhappy with the way we have resolved your complaint you may be able to contact the Financial Ombudsman Service at www.financial–ombudsman.org.uk

  • To Open an Account

    Click the button above to apply online or download and complete the application form and return it to us by post or to the branch.

    Financial Services Compensation Scheme

    You must read the Information Sheet which gives all the details of the FSCS and how you are covered.

    The FSCS is the UK's statutory fund of last resort for customers of financial services firms. This means that the FSCS can pay compensation to consumers if a financial services firm is unable, or likely to be unable, to pay claims against it. The FSCS is an independent body, set up under the Financial Services & Markets Act 2000 (FSMA).

    Verifying your Identity

    In order to help you to keep your money safe from fraud we verify the identity of all customers opening a new savings account with the Society. Click here to see the list of required ID documents.

Need some help?

Call us: 01494 879500  Email: info@bucksbs.co.uk  or visit our branch

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