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ISA stands for Individual Savings Account and offers the benefit of tax free savings. You can pay up to £20,000 into your ISA in the current tax year.

Find out more from the products below.

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180 Day Notice Cash ISA (1st issue)

Minimum Balance £1 +
Interest Rate (AER1/Gross2) 1.45% tax free^
Interest Payable Annually on 5 April
Withdrawals Withdrawals or closure subject to 180 days written notice or the loss of 180 days interest
Access Post or branch

180 Day Notice Cash ISA (1st issue) – Monthly Income

Minimum Balance £1 +
Interest Rate (AER1/Gross2) 1.45% tax free^ / 1.44% tax free^
Interest Payable Annually on 5 April
Withdrawals Withdrawals or closure subject to 180 days written notice or the loss of 180 days interest
Access Post or branch

3 Year Fixed Rate Cash ISA (1st issue)

Minimum Balance £500 +
Interest Rate (AER1/Gross2) 1.70% tax free^
Interest Payable Annually on 5 April and on maturity
Withdrawals No withdrawals allowed. Early closure in branch or by post is subject to the loss of 180 days interest on the closing balance.
Access Post or branch

90 Day Notice Cash ISA (1st issue)

Minimum Balance £1 +
Interest Rate (AER1/Gross2) 1.25% tax free^
Interest Payable Annually on 5 April
Withdrawals Withdrawals or closure subject to 90 days written notice or the loss of 90 days interest
Access Post or branch

Easy Access Cash ISA (1st issue)

Minimum Balance £1 +
Interest Rate (AER1/Gross2) 1.10%
Interest Payable Annually on 5 April tax free^
Withdrawals Withdrawals, closure or transfers can be made without notice or loss of interest
Access Post or Branch

1. AER

AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. AERs on the Monthly Income account assume interest is added to the account each month although in practice the option to have interest added in this way is not available.

2. Gross Rate

The gross rate is the contractual rate of interest payable without tax taken off.
If separate AER/Gross rates are not quoted, both rates are identical.

^Tax Free

Tax free means exempt from UK income and capital gains tax in the hands of the investor.

Understanding Savings

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