Help to Buy: ISA interest rates

This ISA is no longer available to new savers.

Current interest rates

Rates effective from


Gross per year%


3 July 2023




Previous interest rates

Rates effective from


Gross per year %


1 March 2023 – 2 July 2023




Further information


Yes. Transfers-in from other ISAs are permitted, subject to the monthly Help to Buy: ISA limits.

Top Up:

Yes. Monthly limits apply. Save up to £1,200 in the first calendar month, and up to £200 per calendar month afterwards.


The maximum monthly subscription by standing order is £200. If the date you choose subsequently falls on a weekend or a bank holiday, your standing order will be paid the next working day, so it’s best to avoid the last few days of the month. Your payment could fall into the following month and you might miss your monthly subscription.

Mortgage offset:


Tax - free:

Interest is exempt from Income Tax provided all ISA conditions are met. The level and basis of tax can change and the value of tax relief depends on your personal circumstances.


Annual Equivalent Rate. This illustrates what the interest rate would be if interest was paid and compounded once each year.

Interest rate:

Rates are variable. Interest is calculated daily using your statement balance and is paid on the first working day of each month.

For additional information, download our Help to Buy: ISA terms and conditions [PDF, 332KB]. They are in addition to the general conditions of your Customer Agreement with us.

Read important information about our interest rates, the Financial Services Compensation Scheme, and your cancellation rights.