Cash ISA
If you love the idea of keeping your savings away from the taxman, but don't like tying up your money, then a cash ISA with instant access could be for you. After all, just because you’re saving for something special like a wedding or a holiday, doesn’t mean you won’t want to treat yourself to something sooner.
Our Cash ISA is as simple and flexible as can be. You get a variable rate of interest, tax free*, and you can top up your savings whenever it suits you, up to your cash ISA limit. And when you’re ready to start spending, we certainly won’t charge you for getting hold of your own money at a moment’s notice.
| Summary Box Key Product Information for our Savings Account |
|
|---|---|
| Account Name | Cash ISA |
| Interest Rates (AERs) | The interest rate payable is variable and guaranteed not to fall more than 1% below the Bank of England base rate, subject to an excluded period (please refer to sections 5 and 6 of the product specific Terms and Conditions). |
| Tax Status | Interest is tax free* |
| Condition for bonus payment | No bonus payments exist for this Account |
| Withdrawal arrangements | There are no restrictions on withdrawals. Withdrawals of capital cannot be replaced |
| Access | Branch and by post |
Features & Benefits
- Minimum balance of £1
- Save up to £5,340 in a Cash ISA each tax year*
- Interest is paid annually on the first working day after 5 April into this account
- A sole account for those aged 16 and over
- Passbook based account
- Flexibility to add to your savings at any time (up to £5,340 in any tax year; a tax year runs from 6 April to 5 April the following year)
Our Cash ISA meets the Government’s Stakeholder Standards. The table below details the features of our Instant Access Cash ISA to show how it meets the Stakeholder Standards
Although Cash ISAs are a tax free way of saving, this favourable tax treatment depends on individual circumstances and may be subject to change in the future.
| Minimum opening deposit of £1 |
| No account charges |
| Instant access to your money |
| An interest rate which is guaranteed not to fall more than 1% below the Bank of England base rate, subject to the excluded period (please refer to the Cash ISA product specific Terms & Conditions) |
*For an explanation of terms, such as AER and Tax Free, please see our glossary 
.
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