You can earn a 4.5% AER (variable) reward rate on your Simple Saver if you have either:
a balance above £0 in a qualifying Moneybox account (ISA, Lifetime ISA, Junior ISA, or Pension)
a Reward Savings Account.
If your balance in your Lifetime ISA drops to £0 then you are eligible to keep the reward rate for 12 months or until 13/02/2025, whichever date is later.
You’ll need to make sure you’re on the latest app version to see your reward rate reflected in the app.