Poise Commerce Bank
Grow balances with clear terms and a name for every goal
A savings relationship is not one-size-fits-all. Some customers want instant access and flexibility. Others are prepared to lock funds away for a period in exchange for a known return on the agreed terms. Poise Commerce Bank structures savings products so you can align structure to intention — and always with clarity on how interest is calculated, when it is paid, and what happens if you need access early.
Instant-access savings
Ideal for rainy-day funds, short-horizon projects, and topping up without locking money away. Interest is calculated on the daily cleared balance in line with the product’s published basis and credited according to the schedule in your terms. Rates for new and existing business may differ when our published rates change; we communicate material changes in line with regulatory and contractual requirements.
Term deposits and CDs
When you choose a fixed term, you are committing the principal for the agreed length at the stated rate or rate formula, subject to the product documentation. Early withdrawal may be restricted or may incur a penalty; that will always be set out before you place the deposit, so you can make an informed trade-off between return and access.
- Competitive options for 3, 6, 12, and 24+ month terms where we offer them
- Clear schedule for interest payment or compounding, per product
- Statements that show your maturity date and the options you have on expiry
FSCS and protection
Eligible deposits with UK banks may be protected by the Financial Services Compensation Scheme up to the applicable limit. We will confirm your product’s status in the key facts you receive. Investments and other non-deposit products are not covered the same way; where we offer them, you will see separate risk disclosures.
Getting started
You can explore rates and start an application from the journey linked from our website or, once you are a customer, from the secure area. We will ask for identity and address verification, source of funds where required, and tax information where the law says we must. Decisions and documentation are available securely online where possible, with paper for those who need it.
Important
Interest rates are variable or fixed as stated per product. Gross and AER figures are published for comparison. Tax treatment depends on your circumstances and may change.