ISAs

Choose from our range of cash ISAs. Then open your new account online in minutes.

We recommend you read the account conditions below carefully as they form a legal contract with us. If there is anything you do not understand, please contact us before you agree to them (as part of the application).

Account name	Benefits & features	Interest rate
ISA Saver Fixed Access:   Find out more	Deposit between £500 and £5,760 (in the tax year 2013/14) Interest paid annually on anniversary of account opening All interest is paid tax free Qualifying account for the Halifax Savers Prize Draw No withdrawals or additional deposits (excluding account closure) Early account closure will result in the loss of interest (how much depends on length of term*) At the end of the fixed term your account will roll over into an ISA Saver Variable without bonus, currently paying 0.50% tax free/AER variable You can transfer your existing fixed rate Halifax ISA into this account.	2.35% tax free/AER fixed for 5 years
		2.30% tax free/AER fixed for 4 years
		2.25% tax free/AER fixed for 3 years
		2.10% tax free/AER fixed for 2 years
		1.75% tax free/AER fixed for 1 year
ISA Saver Online Access: Find out more	Open from just £1 Unlimited withdrawals Interest paid annually on 5th April, unless 5th April is not a working day then it will be paid the previous working day All interest is paid tax free Qualifying account for the Halifax Savers Prize Draw You can transfer your existing variable Halifax ISA to this account.	1.35% tax free/AER variable (including 12 month fixed bonus of 1.10%). At the end of the bonus period: Variable rates without bonus will apply (currently this is 0.25% tax free/AER variable).
ISA Saver Variable Access:   Find out more	Opening balance of £1 No restriction on withdrawals Interest paid annually on 5th April, unless 5th April is not a working day then it will be paid the previous working day All interest is paid tax free Qualifying account for the Halifax Savers Prize Draw You can transfer your existing variable Halifax ISA to this account.	1.25% tax free/AER variable (including 12 month fixed bonus of 0.75%). At the end of the bonus period: Variable rates without bonus will apply (currently this is 0.50% tax free/AER variable).

Monthly rates are available, for more information see our personal interest rates page.

Common features

• Save up to £5,760 (in tax year 2013/14)
• All interest is paid tax free
• Cash ISA transfers benefit from our ISA Promise. As part of this, we'll pay you interest while your funds are being transferred (provided they're free to move)
• Halifax Savers Prize Draw - You've a chance of winning one of 5 top prizes of £250,000 in June, if you register and hold £5,000 in a qualifying account during the whole previous calendar month.

Bear in mind

• Any money you take out reduces the balance you could achieve at the end of the tax year
• You will need your National Insurance Number to hand before you apply
• If you already have a variable rate Halifax cash ISA, you can convert it to another ISA account.

Tax treatment depends on your individual circumstances and may change.

Children's Cash ISA

Want to save for a little one? Then opening a children's ISA is a good way to help them become financially aware, it comes with a great rate and it's tax free too.

Tax treatment depends on your child's individual circumstances and may change.

Account conditions
We recommend you read the account conditions carefully as they form a legal contract with us. If there is anything you do not understand, please contact us before you agree to them (as part of the application).

ISA account conditions

Transferring your ISA

• Existing cash ISA balances can be transferred into this account from another ISA provider, as long as you use our ISA Switching service. Previous tax year funds won't affect your current tax year allowance . Please be aware your current ISA provider may apply switching costs.
• If your transfer is delayed because your existing ISA has a notice period or restriction, your current provider will let us know when it will be free to move to us, and we’ll pay interest from that date.
• Do not transfer any ISA balance yourself otherwise you'll lose your tax benefits.

Please note, we are covered by the Financial Services Compensation Scheme so our customers‘ savings are protected (up to £85,000).

Stocks and shares ISAs are a great way to invest tax efficiently. In the 2013/14 tax year you can invest up to £11,520 in a stocks and shares ISA, less any amounts you may have paid into a cash ISA in the same tax year, and any increase in value is free of personal tax. As with all stock market related products there are risks involved and you may get back less than invested, but there is potential for higher returns when investing for the medium to long term (5 - 10 years).

Account name	Maximum contribution	Minimum opening balance	Withdrawals	Manage your money
Self-Select Stocks & Shares ISA A tax efficient way to trade a wide range of stocks and shares.	£11,520	£20	Unlimited
Junior Stocks & Shares ISA Invest tax efficiently for the benefit of your child.	£3,720	£20	None, until the child is 18

The earlier and the more you add to your ISA the better. But the crucial thing to remember is that every tax year - which runs from 6th April one year to 5th April the next year - you're only allowed to invest a certain amount in an ISA. This is known as your annual ISA allowance.

Help and Guidance

ISAs aren't the simplest things to understand but they are a great way to save or invest your hard-earned money tax efficiently. This helpful guide is worth a read to see how to make the most of your ISA allowance.

Read our helpful guides about ISAs

Tax treatment depends on your individual circumstances and may change in the future.

Remember, the value of an investment can go down as well as up and you may get back less than originally invested.

Help and Guidance

ISAs aren't the simplest things to understand but they are a great way to save or invest your hard-earned money tax efficiently. This helpful guide is worth a read to see how to make the most of your ISA allowance.

1. Common ISA enquiries and FAQs
2. Read our helpful guides about ISAs
3. If you are transferring a cash ISA find out about our ISA promise

Tax treatment depends on your individual circumstances and may change in the future.