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How Does Savings Account Interest Work?Want to earn fixed interest for up to five years on your savings? Check out our Fixed Saver. Who this account is for The benefits How it works. % AER/% tax free fixed interest on balances of ?1 or more for two years from account opening when interest is paid monthly, and you already have a. Earn % AER/gross fixed for 12 months from account opening. � You can change the amount you save at any time. You can top up your savings by bank transfer as.