Cash ISAs
The new tax year is here! Spring into action and earn tax-free interest with cash ISAs
Starter ISA Issue 12
Fixed until 5th April 2025
Interest rate gross/tax-free p.a./AER* 5.00%
Type of account
  • ISA
  • Fixed term
  • Fixed rate
  • Regular saver
Withdrawals Limited
Notice period Transfers out to other ISAs only subject to charge of 90 days’ interest on the amount transferred
Apply by Branch
Fixed Rate ISA Issue 169
Fixed until 31st May 2025
Interest rate gross/tax-free p.a./AER* 4.60%
Type of account
  • Fixed rate
  • Fixed term
  • ISA
  • Limited access
Withdrawals Limited
Notice period No withdrawals but transfers out to other ISA providers subject to 180 days' loss of interest
Apply by Branch
Fixed Rate ISA Issue 178
Fixed until 31st May 2026
Interest rate gross/tax-free p.a./AER* 4.60%
Type of account
  • Fixed rate
  • Fixed term
  • ISA
  • Limited access
Withdrawals Limited
Notice period No withdrawals but transfers out to other ISA providers subject to 180 days' loss of interest
Apply by Branch
Fixed Rate ISA Issue 179
Fixed until 31st May 2027
Interest rate gross/tax-free p.a./AER* 4.15%
Type of account
  • Fixed rate
  • Fixed term
  • ISA
  • Limited access
Withdrawals Limited
Notice period No withdrawals but transfers out to other ISA providers subject to 270 days' loss of interest
Apply by Branch
Fixed Rate ISA Issue 180
Fixed until 31st May 2029
Interest rate gross/tax-free p.a./AER* 4.05%
Type of account
  • Fixed rate
  • Fixed term
  • ISA
  • Limited access
Withdrawals Limited
Notice period No withdrawals but transfers out to other ISA providers subject to 365 days' loss of interest
Apply by Branch
Five Access ISA
Interest rate gross/tax-free p.a./AER* Conditional bonus rate: 3.90%

Standard rate: 2.65%
Type of account
  • Instant access
  • ISA
Withdrawals Limited
Notice period None
Apply by Branch
Easy Access ISA
Interest rate gross/tax-free p.a./AER* 2.65%
Type of account
  • Instant access
  • ISA
Withdrawals Unlimited
Notice period None
Apply by Branch
Junior ISA
Interest rate gross/tax-free p.a./AER* 4.85%
Type of account
  • Children's
  • ISA
Withdrawals No access until the child is 18
Notice period None
Apply by Branch
Account Name Interest rate
gross/tax-free p.a./AER*
Type of account Withdrawals Notice period Apply by
Starter ISA Issue 12
Fixed until 5th April 2025
5.00%
  • ISA
  • Fixed term
  • Fixed rate
  • Regular saver
Limited Transfers out to other ISAs only subject to charge of 90 days’ interest on the amount transferred Branch More details
Fixed Rate ISA Issue 169
Fixed until 31st May 2025
4.60%
  • Fixed rate
  • Fixed term
  • ISA
  • Limited access
Limited No withdrawals but transfers out to other ISA providers subject to 180 days' loss of interest Branch More details
Fixed Rate ISA Issue 178
Fixed until 31st May 2026
4.60%
  • Fixed rate
  • Fixed term
  • ISA
  • Limited access
Limited No withdrawals but transfers out to other ISA providers subject to 180 days' loss of interest Branch More details
Fixed Rate ISA Issue 179
Fixed until 31st May 2027
4.15%
  • Fixed rate
  • Fixed term
  • ISA
  • Limited access
Limited No withdrawals but transfers out to other ISA providers subject to 270 days' loss of interest Branch More details
Fixed Rate ISA Issue 180
Fixed until 31st May 2029
4.05%
  • Fixed rate
  • Fixed term
  • ISA
  • Limited access
Limited No withdrawals but transfers out to other ISA providers subject to 365 days' loss of interest Branch More details
Five Access ISA Conditional bonus rate: 3.90%

Standard rate: 2.65%
  • Instant access
  • ISA
Limited None Branch More details
Easy Access ISA 2.65%
  • Instant access
  • ISA
Unlimited None Branch More details
Junior ISA 4.85%
  • Children's
  • ISA
No access until the child is 18 None Branch More details

What is a cash ISA?

A cash ISA is a savings account, but unlike some other savings accounts you don’t pay tax on the interest you earn. Cash ISAs can be attractive to people who normally pay tax on their savings, and you can open a cash ISA as long as you are a UK resident aged 18+.

Types of cash ISA

There are many different cash ISAs available – the most popular are:

Easy access ISA
With an easy access ISA, you can make as many withdrawals as you’d like.

Junior ISA
Along-term, tax-free savings account for children, a Junior ISA is available for children ages 18 and under.

Fixed rate ISA
A fixed rate ISA means you’re agreeing to lock your savings away for a set amount of time, but you’re also receiving a fixed rate of interest during that time.

Notice ISA
With a notice ISA, you’ll have access to your savings by giving a notice period, and, if you need to, you can make emergency withdrawals subject to an interest charge.

Cash ISA FAQs

What is the cash ISA limit?

Each tax year (6th April-5th April) there’s a limit on how much money you can put into your ISAs. For the current tax year, the limit is £20,000.

How many cash ISAs can I have?

You can have more than one ISA, but you can’t pay into more than one cash ISA per tax year. Some ISAs will allow you to transfer previous tax years savings into a new ISA.

Is my money safe in a cash ISA?

Yes, your money is safe in one of our regular savings accounts. The Financial Services Compensation Scheme (FSCS) is there to protect your money if your financial services provider goes out of business; you’ll normally get your money back within seven days. All of our savings accounts are FSCS protected up to £85,000 per depositor. FSCS is funded by the financial services industry, and is free to consumers.

Can I withdraw my money whenever I want?

This entirely depends on the terms and type of cash ISA you have. This will determine how often you can withdraw money, whether you will be charged to withdraw and how much interest you’ll lose (if any).

Can I take money out of a cash ISA and put it back in again?

This is dependent on the type of ISA that you have. If your ISA is ‘flexible’, you can take out cash then put it back in during the same tax year, unless you are over your annual limit. If your cash ISA isn’t flexible then you won’t be able to replace any money that’s been withdrawn.

How do I open an account?

To open one of our savings accounts call your local branch to speak to an adviser. They'll talk you through the process of opening a branch based account.

Savings FAQs

Scratching your head about savings? Take a look at questions that our members frequently ask us, which you might also find helpful.

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