One Access Bonus Account

• 3.95% AER/ Gross inclusive of 0.50% fixed conditional bonus.
• 3.45% AER/Gross not inclusive of the 0.50% fixed conditional bonus.
• The interest rate is variable, which means the rate can go up or down.
• Interest is calculated daily and paid once a year inclusive of bonus after 31 March. Interest can be added to this account, paid to an external account in your name with another UK provider, or transferred to another account that you have with us.
• If more than 1 withdrawal is made prior to close of business 31 March, you will lose the conditional bonus of 0.50% and the interest you earn will be calculated at 3.45% AER(gross) variable.

• Yes, the interest rate is variable.
• We can change the rate at any time if we feel it’s needed, this is in line with our General Terms and Conditions for Savings Accounts.
• If we put the rate up, this is shown on our website, and information will be available in our branches and agencies.
• If we put the rate down, we’ll let you know as soon as we can - with at least 14 days' notice.

• £1,039.50 (rate of 3.95% AER/ Gross inclusive of 0.50% fixed conditional bonus)
• £1,034.50 (rate of 3.45% AER/ Gross non inclusive of 0.50% fixed conditional bonus)
• Based on £1,000 being paid into the account, the interest rate doesn’t change and there is no other money into or out of the account over 12 months.

Who can open

• You must be aged 16 or over.
• You must be a UK resident (excluding Northern Ireland).

How to open

• Online
• Branch or agency
• App

Minimum

• The minimum balance required to open this account is £100.

Maximum

• The maximum that a member can invest with Monmouthshire Building Society across all accounts is £2,000,000.

How to manage

• Online (My Accounts), in branch or agency, or via the app.
• You can pay money into your account whenever you want, up to the maximum balance.

• You can withdraw or close your account at any time without giving notice.
• If more than 1 withdrawal is made prior to close of business 31st March, you will lose the conditional bonus of 0.50% and the interest you earn will be calculated at 3.45% AER(gross) variable.
• Bonus interest will not be paid on closures.
• The period starts 1 April and ends 31 March each year.

• The gross rate means before tax.
• You only pay tax on savings above your Personal Savings Allowance. Visit www.hmrc.gov.uk for more information.
• AER is the Annual Equivalent Rate and shows what the rate would be if interest was paid and added on each year.
• Rates and information correct from the 30 July 2025.