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Call: 01494 879500

Bucks Easy Access Tracker

Easy access 3.90% Gross pa/AER

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  • Summary Back Copy 2

    • What is the interest rate?

      Balance Gross pa/AER
      £0.01 - £9,999.99 1.25%
      £10,000+ 3.90%
      • The rate of interest tracks 0.15% above the Bank of England Base Rate until 30th April 2028. To monitor the Bank of England Base Rate visit bankofengland.co.uk.
      • There is a ceiling rate on this account of 4.65%. This is the maximum interest rate we will pay, no matter what the Bank of England base rate may be.
      • The minimum interest rate is 0.00%. This means that we may pay you no interest dependent on your account balance and the defined margin above Bank of England base rate at that time.
      • Interest is calculated daily and paid annually at 31st December, and at the end of the term (30th April 2028), which is also known as ‘maturity’, into this account or a nominated account as stated on your application form.

    • Can Buckinghamshire Building Society change the interest rate?

      • Yes. The interest rate is variable, so it can go up or down dependent on the Bank of England base rate.
      • If the Bank of England Base Rate changes, the new interest rate on your account will be updated on the first day of the following month, without prior notice.
      • This means we won’t write to you or otherwise contact you before or when the change takes effect.

    • What would be the estimated balance after 12 months based on a deposit of £10,000?

      The estimated balance after 12 months based on a deposit of £10,000 would be £10,393.73.

      This estimation assumes that:

       - £10,000 is deposited on opening the account.
       - No additional deposits or withdrawals are made.
       - Interest is paid annually and added to the account.
       - The Bank of England base rate as at 18 December 2025 remains unchanged at 3.75% during the 12 month period.

      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.
      • We allow children over the age of 7 to open an account provided they do so in their own name. Only postal or in branch applications are accepted for anyone under the age of 16.
      • You can open the account with a minimum investment of £10,000 and you can save up to a maximum of £500,000.
      • 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.
      • 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.
      • On maturity (30th April 2028), your savings will automatically move into a variable rate easy access account that doesn’t track the Bank of England Base Rate, unless you tell us you’d like to do something different.
      • We’ll be in touch before the maturity date to let you know what account your money will move into and the options available to you.

    • Additional Information

      • Gross rate is the rate of interest payable before the deduction of tax. We will pay interest at the gross rate.
      • 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 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.

    In order to keep your money safe from fraud, we will use a Financial Conduct Authority approved electronic system to verify your identity. We also 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.

    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

    You can apply online by clicking the link above or by downloading and completing the application form and returning 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.

    To apply please download the forms below

    Bucks Easy Access Tracker Application Form

    Financial Services Compensation Scheme

    Identification Requirements

    • What is the interest rate?

      Balance Gross pa/AER
      £0.01 - £9,999.99 1.25%
      £10,000+ 3.90%
      • The rate of interest tracks 0.15% above the Bank of England Base Rate until 30th April 2028. To monitor the Bank of England Base Rate visit bankofengland.co.uk.
      • There is a ceiling rate on this account of 4.65%. This is the maximum interest rate we will pay, no matter what the Bank of England base rate may be.
      • The minimum interest rate is 0.00%. This means that we may pay you no interest dependent on your account balance and the defined margin above Bank of England base rate at that time.
      • Interest is calculated daily and paid annually at 31st December, and at the end of the term (30th April 2028), which is also known as ‘maturity’, into this account or a nominated account as stated on your application form.

    • Can Buckinghamshire Building Society change the interest rate?

      • Yes. The interest rate is variable, so it can go up or down dependent on the Bank of England base rate.
      • If the Bank of England Base Rate changes, the new interest rate on your account will be updated on the first day of the following month, without prior notice.
      • This means we won’t write to you or otherwise contact you before or when the change takes effect.

    • What would be the estimated balance after 12 months based on a deposit of £10,000?

      The estimated balance after 12 months based on a deposit of £10,000 would be £10,393.73.

      This estimation assumes that:

       - £10,000 is deposited on opening the account.
       - No additional deposits or withdrawals are made.
       - Interest is paid annually and added to the account.
       - The Bank of England base rate as at 18 December 2025 remains unchanged at 3.75% during the 12 month period.

      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.
      • We allow children over the age of 7 to open an account provided they do so in their own name. Only postal or in branch applications are accepted for anyone under the age of 16.
      • You can open the account with a minimum investment of £10,000 and you can save up to a maximum of £500,000.
      • 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.
      • 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.
      • On maturity (30th April 2028), your savings will automatically move into a variable rate easy access account that doesn’t track the Bank of England Base Rate, unless you tell us you’d like to do something different.
      • We’ll be in touch before the maturity date to let you know what account your money will move into and the options available to you.

    • Additional Information

      • Gross rate is the rate of interest payable before the deduction of tax. We will pay interest at the gross rate.
      • 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 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.

    In order to keep your money safe from fraud, we will use a Financial Conduct Authority approved electronic system to verify your identity. We also 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.

    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

    You can apply online by clicking the link above or by downloading and completing the application form and returning 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.

    To apply please download the forms below

    Bucks Easy Access Tracker Application Form

    Financial Services Compensation Scheme

    Identification Requirements

Need some help?

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

Contact Form

Essential Savings Information

Essential Savings Information