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 13.11.2019

Period New Rate %
EUR1M – 0.4550
EUR3M – 0.4030
GBP1M 0.7118
GBP3M 0.7899
USD1M 1.7236
USD3M 1.8985
ECB 0