Like most businesses, you probably have some money put aside that is not essential to the day-to-day running of the company, but may be required immediately if the need arises. So why not make it work harder for you?

With this Instant Reserve Deposit Account, you can have the peace of mind of knowing that your money will be available to you without giving notice, but also benefit from higher returns that are typical of longer-term deposits. You don't even need to have a current account with us.

This account is available to all businesses, regardless of turnover. You can have up to 120 free withdrawals a year provided you make no more than 10 in any month. If you do need extra withdrawals, that's no problem but there will be a charge of £2 per transaction on the eleventh and any subsequent withdrawals.

You can make deposits by post and electronic transfer (BACS) and withdrawals can be made via cash machine or electronic transfer. The account can be managed by phone, fax, post and via the Internet.