Our best 2016/17 cash 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).

Tax treatment depends on your individual circumstances and may change.


Existing customers

To top up your Cash ISA or transfer an ISA to the Halifax, we’ve got all the information you need.

Account name

Benefits & features

Interest rate

Help to Buy: ISA

Access:
Online, Telephone, in Branch

Find out more

  • Open the account with £1 up to £1,000 – this must be received within 21 days of account opening.
  • Save from £1 to £200 each month by standing order to be received by 25th of each month.
  • There are no restrictions on withdrawals (although you will not be able to claim any Help to Buy: ISA bonus on the funds you withdraw and it will take longer to save enough to qualify for the maximum bonus).
  • Transfers into our cash ISAs take advantage of our ISA promise.
  • You will be able to transfer the full balance from another Help to Buy: ISA or up to £1,000 from any other ISAs
  • Manage your account in branch, on the telephone or through our Online Banking.
  • Qualifying account for the Halifax Savers Prize Draw.

Bear in mind.

  • You must be a first time buyer to open a Help to Buy: ISA account.
  • Your bonus is paid on purchase of a UK property up to the value of £250,000 outside London and £450,000 inside London.
  • You cannot pay into another cash ISA in the same tax year.
  • Unlimited withdrawals but you will not be able to claim any Help to Buy: ISA bonus on the funds you withdraw.
  • You can make monthly contributions of up to £200 per month. You can pay into the account once a month by standing order. This must be received by the 25th of the month.
  • Government Help to Buy: ISA bonus of 25% on your final balance up to a maximum of £3,000 (based on eligibility).
  • Interest paid annually on balances of £1 or more.

insertAsset 2.50% tax free/AER variable

Find out more & apply

Help to buy: Backed by HM Government

ISA Saver Fixed

Access: Online, Telephone, in Branch

Find out more

  • Qualifying account for the Halifax Savers Prize Draw.
  • Choice of interest paid monthly (may be at a lower tax free rate) or annually.
  • Save up to £15,240. You can choose to invest any remaining allowance in a stocks and shares ISA, or innovative finance ISA providing you don’t invest more than £15,240 in total during the 2016/17 tax year.
  • ISA transfers benefit from our ISA Promise
  • You can choose where your interest is paid: to your ISA, to another account with us or another bank or building society. Please note that if you arrange for your interest to be paid into a different account, any further interest you earn from this will be subject to tax, unless the other account is also tax-free.
  • You have 14 days from the date of opening in which you can cancel your account without charge by closure or transfer to another ISA product. We will repay any credit balance and pay interest on the account for the time your money was with us.

Bear in mind

  • Minimum balance £500
  • All deposits and transfers required within 60 days of account opening
  • Interest paid monthly (may be at a lower tax free rate) or annually on anniversary of account opening.
  • No withdrawals (except account closure)
  • If you close your account early, you lose an amount equivalent to:
    • 180 days' tax free interest for a 2 year term
    • 365 days' tax free interest for a 5 year term

This means you may get back less than the amount you reinvest

  • At the end of the fixed term, unless we receive instructions from you, your account automatically changes to an Instant ISA Saver, currently paying insertAsset 0.25% tax free/AER variable
  • You will need your National Insurance Number before you apply

insertAsset1.25% tax free/AER fixed for 2 years

Open online now


insertAsset2.00% tax free/AER fixed for 5 years

Open online now

ISA Saver Variable

Access: Online, Telephone and in Branch

Find out more

  • Opening balance of £1
  • No restriction on withdrawals
  • Save up to £15,240 less any amount invested in a stocks & shares ISA or an innovative finance ISA in the same tax year
  • ISA transfers benefit from our ISA Promise
  • Interest paid on the anniversary of the date you opened your account (or on the working day immediately after if your account’s anniversary date is not a working day)
  • All interest is paid tax free
  • Flexible ISA rules allow you to withdraw money and replace it later in the same tax year, without losing any of your tax-free entitlement.
  • Qualifying account for the Halifax Savers Prize Draw
  • Manage and top up your ISA online, in branch or over the phone

You can transfer your existing variable Halifax ISA to this account.

insertAsset0.60% tax free/AER variable for 12 months

After 12 months, your account automatically changes to an Instant ISA Saver, currently paying insertAsset 0.25% tax free/AER variable.

Open online now

Help to Buy: ISA

Access:
Online, Telephone, in Branch

Find out more


Benefits & features

  • Open the account with £1 up to £1,000 – this must be received within 21 days of account opening.
  • Save from £1 to £200 each month by standing order to be received by 25th of each month.
  • There are no restrictions on withdrawals (although you will not be able to claim any Help to Buy: ISA bonus on the funds you withdraw and it will take longer to save enough to qualify for the maximum bonus).
  • Transfers into our cash ISAs take advantage of our ISA promise.
  • You will be able to transfer the full balance from another Help to Buy: ISA or up to £1,000 from any other ISAs
  • Manage your account in branch, on the telephone or through our Online Banking.
  • Qualifying account for the Halifax Savers Prize Draw.

Bear in mind.

  • You must be a first time buyer to open a Help to Buy: ISA account.
  • Your bonus is paid on purchase of a UK property up to the value of £250,000 outside London and £450,000 inside London.
  • You cannot pay into another cash ISA in the same tax year.
  • Unlimited withdrawals but you will not be able to claim any Help to Buy: ISA bonus on the funds you withdraw.
  • You can make monthly contributions of up to £200 per month. You can pay into the account once a month by standing order. This must be received by the 25th of the month.
  • Government Help to Buy: ISA bonus of 25% on your final balance up to a maximum of £3,000 (based on eligibility).
  • Interest paid annually on balances of £1 or more.

Interest rate

insertAsset 2.50% tax free/AER variable

Find out more & apply

Help to buy: Backed by HM Government

ISA Saver Fixed

Access: Online, Telephone, in Branch

Find out more


Benefits & features

  • Qualifying account for the Halifax Savers Prize Draw.
  • Choice of interest paid monthly (may be at a lower tax free rate) or annually.
  • Save up to £15,240. You can choose to invest any remaining allowance in a stocks and shares ISA, or innovative finance ISA providing you don’t invest more than £15,240 in total during the 2016/17 tax year.
  • ISA transfers benefit from our ISA Promise
  • You can choose where your interest is paid: to your ISA, to another account with us or another bank or building society. Please note that if you arrange for your interest to be paid into a different account, any further interest you earn from this will be subject to tax, unless the other account is also tax-free.
  • You have 14 days from the date of opening in which you can cancel your account without charge by closure or transfer to another ISA product. We will repay any credit balance and pay interest on the account for the time your money was with us.

Bear in mind

  • Minimum balance £500
  • All deposits and transfers required within 60 days of account opening
  • Interest paid monthly (may be at a lower tax free rate) or annually on anniversary of account opening.
  • No withdrawals (except account closure)
  • If you close your account early, you lose an amount equivalent to:
    • 180 days' tax free interest for a 2 year term
    • 365 days' tax free interest for a 5 year term

This means you may get back less than the amount you reinvest

  • At the end of the fixed term, unless we receive instructions from you, your account automatically changes to an Instant ISA Saver, currently paying insertAsset 0.25% tax free/AER variable
  • You will need your National Insurance Number before you apply

Interest rate

insertAsset1.25% tax free/AER fixed for 2 years

Open online now


insertAsset2.00% tax free/AER fixed for 5 years

Open online now

ISA Saver Variable

Access: Online, Telephone and in Branch

Find out more


Benefits & features

  • Opening balance of £1
  • No restriction on withdrawals
  • Save up to £15,240 less any amount invested in a stocks & shares ISA or an innovative finance ISA in the same tax year
  • ISA transfers benefit from our ISA Promise
  • Interest paid on the anniversary of the date you opened your account (or on the working day immediately after if your account’s anniversary date is not a working day)
  • All interest is paid tax free
  • Flexible ISA rules allow you to withdraw money and replace it later in the same tax year, without losing any of your tax-free entitlement.
  • Qualifying account for the Halifax Savers Prize Draw
  • Manage and top up your ISA online, in branch or over the phone

You can transfer your existing variable Halifax ISA to this account.

Interest rate

insertAsset0.60% tax free/AER variable for 12 months

After 12 months, your account automatically changes to an Instant ISA Saver, currently paying insertAsset 0.25% tax free/AER variable.

Open online now


Junior 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 name

Benefits & features

Interest rate

Junior Cash ISA

Access: In branch

Find out more

  • Existing Child Trust Fund holders can only apply for a Junior Cash ISA in branch.
  • Extra interest if the registered adult holds a Halifax Cash ISA.
  • For children 16 and over, the higher rate will apply
  • A long-term, tax-free savings account for children under 18
  • Deposits can be made by anyone (annual junior ISA limit applies). As deposits are treated as a gift they cannot be returned to the Donor.
  • Opening balance of £1
  • Save up to £4,080, less any amount paid into a stocks & shares Junior ISA in the same tax year
  • The account must be opened by an adult with parental responsibility if the child is under 16, or by the child if they are aged 16-17
  • Withdrawals from any Junior Cash ISA are not allowed until the child reaches the age of 18, except in case of the child's death or terminal illness
  • You can't view the account on your online banking profile

insertAsset4.00% tax free/AER variable if an adult cash ISA is held or child is 16 and over. If an adult Halifax Cash ISA isn’t held, the standard Junior Cash ISA rate (insertAsset3.00% tax free/AER variable) will apply.

Open (under 16)

Open (16 to 17 years)

Junior Cash ISA

Access: In branch

Find out more


Benefits & features

  • Existing Child Trust Fund holders can only apply for a Junior Cash ISA in branch.
  • Extra interest if the registered adult holds a Halifax Cash ISA.
  • For children 16 and over, the higher rate will apply
  • A long-term, tax-free savings account for children under 18
  • Deposits can be made by anyone (annual junior ISA limit applies). As deposits are treated as a gift they cannot be returned to the Donor.
  • Opening balance of £1
  • Save up to £4,080, less any amount paid into a stocks & shares Junior ISA in the same tax year
  • The account must be opened by an adult with parental responsibility if the child is under 16, or by the child if they are aged 16-17
  • Withdrawals from any Junior Cash ISA are not allowed until the child reaches the age of 18, except in case of the child's death or terminal illness
  • You can't view the account on your online banking profile

Interest rate

insertAsset4.00% tax free/AER variable if an adult cash ISA is held or child is 16 and over. If an adult Halifax Cash ISA isn’t held, the standard Junior Cash ISA rate (insertAsset3.00% tax free/AER variable) will apply.

Open (under 16)

Open (16 to 17 years)


Account conditions

Please note, from 2 September 2016, we are making some important changes to our Account Conditions. Please see our conditions for full details.

We recommend that you download a copy of the document and retain for your records.

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 ISA balances can be transferred into these accounts 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.
  • You are only allowed to subscribe to one cash ISA in each tax year
  • If you ask to transfer a flexible ISA in full and you have withdrawn all or part of any amount you paid in during a previous tax year, you will not be able to replace these withdrawals once the transfer process starts
  • If you’re transferring in from an innovative finance ISA, please contact your local branch.

Please note, eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). For further information about the compensation provided by the FSCS, refer to the FSCS website at www.fscs.org.uk/. You can also visit our Financial Services Compensation Scheme page for more details.


For a definition of AER, tax free and other terms please view our savings glossary.