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The gross rate is the contractual rate of interest payable before the deduction of income tax at the rate specified by law (currently 20%). AER stands for annual equivalent rate and illustrates what the interest would be if interest was paid and compounded each year. This site is intended for UK residents unless otherwise stated. Sainsbury's Bank plc is authorised and regulated by the Financial Services Authority. FSA register number 184514. This is an English language site, all contracts will be in the English language only. |