Reference Interest Rates

If your loan references a rate such as European Central Bank (ECB) rate, Euribor or Libor, please refer to the table below for the applicable reference rates.

These rates apply as of date of publication and do not include your lender’s lending margin which is added to give the gross rate applicable to the individual loan. Where the reference rate is negative a minimum rate of zero percent plus your applicable margin may apply subject to the terms and conditions of your loan.

These rates are published to comply with the Consumer Protection Code, (for personal consumers) and the Lending to Small & Medium Sized Enterprises Regulations 2015 (for non-personal consumers).

Rates as at 24.11.2021

Period New Rate %
EUR1M -0.5700
EUR3M -0.5720
GBP1M 0.06788
GBP3M 0.12100
USD1M 0.09163
USD3M 0.18025
ECB 0