Potential rate includes standard and bonus rate. Bonus interest is paid in every month if the account balance, exclusive of interest, is higher at the month end (or on the date the account is closed) than the balance at the start of the month (or on the date the account is opened if the account has been open for less than one month) and no more than one withdrawal is made in the month.
A month in this context runs from 8pm on the last day of a calendar month to 7.59pm on the last day of the next month