Cash ISAs

Saving is even more rewarding when there’s no tax to pay on the interest you earn. That’s exactly what our Cash ISAs offer. Choose the perfect account for you below and start saving, tax-free.

 

In the event that the balance falls below the minimum operating balance as stated within the relevant product details below, the rate of interest which shall apply is currently 0.05% Tax-Free§ p.a/AER (variable). These accounts are not Flexible Cash ISAs meaning any amount withdrawn cannot be replaced and will count towards your yearly ISA limit.

 

  • 1 Year Fixed Rate Cash ISA (Issue 110)

    Interest Rate:

    1.30% Tax-free§ p.a./AER (fixed)

    • Interest paid: On maturity (31 July 2019).
    • Minimum investment & operating balance: £100.
    • Maximum investment: Deposit up to £20,000 in the 2018/2019 tax year.
    • Withdrawals: Withdrawals/transfers are subject to 60 days' loss of interest on an amount equivalent to that withdrawn/transferred.

    This account is limited issue. Once opened, you can make deposits up to and including 31 July 2018. After this date the account may be closed for further deposits at any time and without notice, which means you will not be able to deposit further funds.

    Full details
  • 2 Year Fixed Rate Cash ISA (Issue 104)

    Interest Rate:

    1.55% Tax-free§ p.a./AER (fixed)

    • Interest paid: Annually on 02 August (commencing 02 August 2019) and on maturity (02 August 2020).
    • Minimum investment & operating balance: £100.
    • Maximum investment: Deposit up to £20,000 in the 2018/2019 tax year.
    • Withdrawals: Withdrawals/transfers are subject to 150 days' loss of interest on an amount equivalent to that withdrawn/transferred.

    This account is limited issue. Once opened, you can make deposits up to and including 31 July 2018. After this date the account may be closed for further deposits at any time and without notice, which means you will not be able to deposit further funds.

    Full details
  • 3 Year Fixed Rate Cash ISA (Issue 64)

    Interest rate:

    1.65% Tax-free§ p.a./AER (fixed)

    • Interest paid: Annually on 01 August (commencing 01 August 2019) and on maturity (01 August 2021).
    • Minimum investment & operating balance: £100.
    • Maximum investment: Deposit up to £20,000 in the 2018/2019 tax year.
    • Withdrawals: Withdrawals/transfers are subject to 240 days' loss of interest on an amount equivalent to that withdrawn/transferred.

    This account is limited issue. Once opened, you can make deposits up to and including 31 July 2018. After this date the account may be closed for further deposits at any time and without notice, which means you will not be able to deposit further funds.

    Full details
  • 5 Year Fixed Rate Cash ISA (Issue 76)

    Interest rate:

    2.00% Tax-free§ p.a./AER (fixed)

    • Interest paid: Annually on 31 July (commencing 31 July 2019) and on maturity (31 July 2023).
    • Minimum investment & operating balance: £100.
    • Maximum investment: Deposit up to £20,000 in the 2018/2019 tax year.
    • Withdrawals: Withdrawals/transfers are subject to 365 days' loss of interest on an amount equivalent to that withdrawn/transferred.

    This account is limited issue. Once opened, you can make deposits up to and including 31 July 2018. After this date the account may be closed for further deposits at any time and without notice, which means you will not be able to deposit further funds.

    Full details
  • E-ISA (Issue 4)

    Interest rate:

    0.60% Tax-free§ p.a./AER (variable)

    • Interest paid: Annually.
    • Minimum operating balance: £1
    • Maximum balance: Deposit up to £20,000 in the 2018/2019 tax year.
    • Withdrawals: Unlimited withdrawals can be made to your Nominated Accounts (as defined in the General Conditions) subject to the minimum balance of £1 being maintained. Cash and cheque transactions are not permitted.
    • Important information about our E-ISA:

      Withdrawals to your Nominated Accounts made before 8pm on a working day will be available to the payee on the next working day.

      When money is paid into your account, provided the payment is received by us between 7am and 7pm, you will be able to withdraw the funds that day.

      The Society’s online savings service will be unavailable each day for 1 hour between 12 midnight and 1am while our systems update.

    The account may be closed for further deposits upon a minimum of 30 days written notice after which you will not be able to deposit further funds.

    Full details
  • Rainy Day ISA (Issue 4)

    For balances between £10,000 and £24,999.99:

    0.75% Tax-free§ p.a./AER(variable)

    For balances between £25,000 and £49,999.99:

    0.80% Tax-free§ p.a./AER(variable)

    For balances between £50,000 and £250,000:

    0.85% Tax-free§ p.a./AER(variable)

    If the balance exceeds £250,000 (including accrued interest) the interest rate that will apply to the whole balance will be 0.50% Tax-free§p.a/AER (variable).

    • Interest paid: Annually.
    • Minimum operating balance: £10,000
    • Maximum balance: Deposit up to £20,000 in the 2018/2019 tax year. The maximum balance is £250,000 including 2018/2019 ISA funds, previous year ISA funds and accrued interest.
    • Withdrawals: Access is limited to 6 withdrawals per calendar year without notice or loss of interest, subject to the minimum balance of £10,000 being maintained. If you exceed this number of withdrawals (including closure of the account), the account will be subject to 30 days' loss of interest on an amount equivalent to that withdrawn.

    The account may be closed for further investment upon a minimum of 30 days written notice after which you will not be able to invest further funds.

    Full details
  • Access ISA (Issue 2)

    0.50% Tax-free§ p.a./AER† (variable)

    • Interest paid: Annually.
    • Minimum operating balance: £1
    • Maximum balance: Deposit up to £20,000 in the 2018/2019 tax year
    • Withdrawals: Unlimited withdrawals can be made without notice or loss of interest.

    The account may be closed for deposits upon a minimum of 30 days’ written notice after which you will not be able to deposit further funds.

    Full details