For cash ISAs, applicants must be resident in the UK for tax purposes. ISA rules may change. You must not have subscribed to another cash ISA or used your total annual ISA allowance in a stocks and shares ISA and/or an innovative finance ISA, during the same tax year.
Instant Cash ISA - Issue 1: to hold a cash ISA, you must be aged 16 years or over. Open with £1, or £0 for transfers-in.
Flexible Cash ISA – Issue 20 and Premier Flexible Cash ISA – Issue 7: to hold a Flexible Cash ISA, you must be 18 years old. 3 withdrawals permitted, for up to 10% of the current balance each time. Rates are shown for end-of-term option. You can transfer-in up to 30 days from opening the ISA, and make additional payments up to your annual allowance each tax year throughout the term of the Flexible Cash ISA. Transfers-out are allowed before the maturity date, but only in full, or you can close your account early. Closures and transfers-out carry a charge of 90 days tax-free interest (1 year term) or 270 days tax-free interest (3 year term) based on the balance at the time. For insufficient earned or accrued interest, the charge is taken from account funds and you could get back less than you deposited. These charges won’t apply if you are within your 14-day cancellation period or in cases of death and bankruptcy.
Instant Cash ISA - Issue 1 and Flexible Cash ISA – Issue 20 and Premier Flexible Cash ISA – Issue 7 are limited offers that may be withdrawn at any time. Terms and conditions apply.
Funds withdrawn from your cash ISA can be replaced in the same tax year without counting towards your annual ISA allowance. Please note that the tax year runs from 6 April to 5 April the following year.