Our best 2014/15 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).

Account NameBenefits & featuresInterest rate 

ISA Saver Fixed

Access:Online by phone in branch 

  1. 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.
  • 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 or is registered to receive gross interest.
  • 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 on anniversary of account opening.
  • No withdrawals (except account closure)
  • If you close your account early, you lose an amount equivalent to:
     - 90 days’ tax free interest for a 1 year term
     - 180 days’ tax free interest for a 2 year term
     - 270 days’ tax free interest for a 3 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 will roll over into an ISA Saver Variable without bonus, currently paying 0.50% tax free/AER variable
  • You will need your National Insurance Number before you apply
1.40% tax free/AER fixed for 1 year
1.60% tax free/AER fixed for 2 years
1.75% tax free/AER fixed for 3 years

2.00% tax free/AER fixed for 5 years

ISA Saver Online

Access: by phone

  1. 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
  • Manage and top up your ISA online

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

1.05% tax free/AER variable (including 12 month fixed bonus of 0.80%).

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: by phone by phone in branch

  1. 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
  • Manage and top up your ISA online, in branch or over the phone

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

1.00% tax free/AER variable (including 12 month fixed bonus of 0.50%).

At the end of the bonus period:
Variable rates without bonus will apply (currently this is 0.50% tax free/AER variable).

Common features

  • Save up to £15,000, less any amount invested in a stocks & shares ISA in the same tax year
  • All interest is paid tax free
  • 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 3 top prizes of £300,000 in the February 2015 Superdraw, if you register by 31st January and hold £5,000 in a qualifying account during the whole of January 2015.

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 renew it into another ISA account.

Tax treatment depends on your individual circumstances and may change.


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.

Account nameBenefits & featuresInterest rate 

Junior Cash ISA

Access: in branch

  1. Find out more
  • 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 who were not eligible for a Child Trust Fund
  • Deposits can be made by anyone (annual ISA limits apply). As deposits are treated as a gift they cannot be returned to the Donor.
  • Opening balance of £1
  • Save up to £4,000, less any amount paid into a stocks & shares Junior ISA in the same tax year
  • Children that were eligible for a Child Trust Fund cannot open a Junior Cash ISA
  • 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

4.00% 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 (3.00% tax free/AER variable) will apply.

Open (under 16s)

Open (16 to 17 years)

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 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).

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

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