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ISAs

Help your savings soar

Make the most of your 2019/20 tax-free ISA allowance. Pay into your existing cash ISA – or open a new one today with as little as £1.

If you haven’t already, you can register for Online Banking.

If you don't yet bank with us or prefer to talk, give us a call on 0345 744 54451 or visit your nearest branch.

An ISA is an Individual Savings Account – it allows you to save money in a tax-efficient way. Compare our ISAs to find one that’s right for you.

  • To make the most of your 2019/20 ISA allowance2, simply top up your existing ISA or open a new one

Just so you know, unlike cash savings, the value of investments can fall as well as rise – you may get back less than you invest. Tax rules can change and any benefits to you depend on your personal circumstances.

Our cash ISAs

Here are the accounts you can currently open – compare them to find one that’s right for you. You may find that previous savings accounts have different interest rates. For more information, read our guide to ISA allowances and Lifetime ISAs .

Our Cash ISAs

Rate %  AER/tax-free per year3

£ minimum opening

Accessing your money

Transferring an existing ISA to us

Instant Cash ISA

0.40% (£1 to £29,999)2

0.45% (£30,000 to £99,999)2

0.55% (£100,000+)2

£12

(£0 for transfers-in)

 

 

Instant access to your money4

Transfer-in an existing ISA in 3 easy steps

1-Year Flexible Cash ISA

0.75% 1-year fixed-rate term

(£1 to £1 million)2

£12

(£0 for transfers-in)

Up to 3 withdrawals free of charge, each one up to 10% of the balance

Limited period for transferring-in an existing ISA

Premier 1-Year Flexible Cash ISA

 

Exclusively for Premier customers 

0.85% 1-year fixed-rate term

(£1 to £1 million)2

£12

(£0 for transfers-in)

Up to 3 withdrawals free of charge, each one up to 10% of the balance

Limited period for transferring-in an existing ISA

*

Investment ISA

Take advantage of tax-efficient investing.

  • Use your 2019/20 ISA allowance of £20,000
  • Choose from thousands of investment opportunities
  • Don’t pay tax on any money your ISA makes
  • Make the most of Smart Investor, our online investing service that puts you in control.

Investments can fall as well as rise in value. Tax rules can change and their effects on you would depend on your individual circumstances.

More ways to save

Instant-access savings

You could make your money grow through our current range of savings accounts

Start saving with as little as £1 through our range of instant-access savings accounts.

Savings bonds

Put your money away for a fixed rate of return

If you’re serious about saving, you can lock your money in one of our bonds, and know exactly what interest it’ll earn.

 

Smart Investor

Become the investor you were meant to be

The value of investments can fall as well as rise. You may not get back what you invest. We don’t offer personal financial advice, so if you’re not sure about investing, seek independent advice.

  • 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 23 and Premier Flexible Cash ISA – Issue 10: 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) 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 23 and Premier Flexible Cash ISA – Issue 10 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.