Start saving an ISA way with just £1

Make the most of your new £20,000 tax-free ISA allowance for the 2018/19 tax year. Open an ISA today – or pay in to your existing one.

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 2018/19 tax allowance2, simply top up your existing ISA or open a new one
    Tax rules may change and 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


(£1 to £29,999)2




(£30,000 to £99,999)2





(£0 for transfers-in)



Instant access to your money4

Transfer-in an existing ISA in 3 easy steps

2-Year Flexible Cash ISA

0.90% 2-year fixed-rate term

(£1 to £1 million)2


(£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 2-Year Flexible Cash ISA


Exclusively for Premier customers 

1.10% 2-year fixed-rate term

(£1 to £1 million)2


(£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

Help to Buy: ISA


For first-time buyers only 

2.58% AER/ 2.55% variable 

Save up to £1,2002 in the first calendar month, and up to £200 each calendar month afterwards

Instant access to your money4

Receive a 25% government bonus on your savings

Investment ISA

Enjoy an ISA way to invest

  • Invest up to £20,000 this tax year
  • Put your money to work with access to thousands of investment opportunities
  • Protect your returns from income tax, tax on dividends and Capital Gains Tax
  • Make the most of Smart Investor, our new online investing service that puts you in control

Investments can fall as well as rise in value. Tax rules can change. Individual effects vary.

More ways to save

If these ISAs aren't what you’re looking for, we have other options for you to consider.

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

Take control of your investments with our new, simple-to-use service. Remember – the value of investments can fall, as well as rise.

  • Information about our ISAs

    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.  

    2-Year Flexible Cash ISA - Issue 19 and Premier 2-Year Flexible Cash ISA - Issue 6: 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 180 days tax-free interest 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 2-Year Flexible Cash ISA - Issue 19 and Premier 2-Year Flexible Cash ISA - Issue 6 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.