ISA Saver Fixed

Features & benefitsBear in mindManage
  • Save between £500 and £15,000, less any amount invested in a stocks & shares ISA in the same tax year
  • ISA transfers into our cash ISAs 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)
  • Qualifying account for the Halifax Savers Prize Draw
  • View your ISA balance online
  • No withdrawals (except account closure)
  • All deposits and transfers required within 60 days of account opening
  • Early account closure will result in the loss of interest (see Summary Box for details)
  • You will need your National Insurance Number to hand before you apply
by phone  in branch

Summary box

Account Name ISA Saver Fixed.
Interest rates (AERs) Fixed interest rate. See current rates below.
Tax Status Interest will be paid tax free.
Conditions for bonus payment There's no bonus available on this account.
Withdrawal arrangements

No withdrawals allowed. Early closure or transfer out permitted. Closing your account early will result in the loss of an amount equivalent to:
1 year term – 90 days’ tax free interest
2 year term – 180 days’ tax free interest
3 year term – 270 days’ tax free interest
5 year term – 365 days’ tax free interest
This amount will be taken from the amount you put into your ISA Saver Fixed and therefore you may get back less than you deposited.

Access View your balance in branch, by telephone and online.


Current rates and apply

TermInterest rate 
1 year 1.55% tax free/AER fixed Open online now
2 years 1.80% tax free/AER fixed Open online now
3 years 2.00% tax free/AER fixed Open online now
5 years 2.20% tax free/AER fixed Open online now

If you’re looking to invest for more than 5 years why not consider investing in our managed funds.

Existing Halifax ISA customers
If you’ve got a Halifax fixed cash ISA which is about to mature and would like to reinvest your balance and any interest it’s earned in a ISA Saver Fixed, you can provide us with your maturity instructions online.

If you’ve got a Halifax easy access cash ISA you can renew it into any of our current fixed term or easy access cash ISAs. This will not affect the tax free status of your savings.


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).

Tax treatment depends on your individual circumstances and may change.

Useful info

Funding your account

You can fund your account in 4 convenient ways:

  • Fund your account as part of the online banking application process (you need to be registered for the service)
  • Over the counter at any Halifax branch
  • By money transfer from another financial institution (you’ll need to quote your new account details)
  • By posting us a cheque to the following address: Halifax, PO Box 548, LEEDS, LS1 1WU Please make your cheque payable to the account holder’s name and include your new account details on the reverse.

All deposits and transfers required within 60 days of account opening.

Already have a Halifax cash ISA

If you already have an existing variable rate cash ISA – you can renew it into this account.

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
  • 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
  • ISA transfers must be completed within 60 days of account opening.

Account interest

  • Fixed rate interest means the rate we pay will not change throughout the term
  • Interest paid annually on anniversary of account opening. You can only choose to receive interest monthly if you open an ISA Saver Fixed in branch or by calling us on 08457 26 36 46 (Mon-Fri 8am-8pm, Sat 8am-6pm, Sun 9am-5pm). You can choose where your interest is paid: to your ISA, to another account with us or another bank or building society. If interest is paid into a different account, it will lose its tax free status once that has happened. 
  • You can choose where your interest is paid: to your ISA, to another account with us or another bank or building society. If interest is paid into a different account, it will lose its tax free status once that has happened.
  • To have your interest paid to another account you first need to open your account online and then provide your instructions by calling us on 08457 26 36 46 (Mon-Fri 8am-8pm, Sat 8am-6pm, Sun 9am-5pm). Alternatively, make an appointment in your local branch.

Account maturity

  • 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
  • If your account is near its maturity date you can re-invest your existing fixed rate cash ISA balance into this account, by filling in our online reinvestment form.

Find out more about

Other things to be aware of

  • Opening a cash ISA affects the amount you can invest in a stocks and shares ISA
  • You're only allowed to pay into one cash ISA per tax year
  • Please note, we are covered by the Financial Services Compensation Scheme so our customers' savings are protected (up to £85,000).

Eligibility

To open a cash ISA you must be 16 or over. You must be resident in the UK for tax purposes. If you don't live in the UK, find out about offshore savings accounts.


Your new ISA Saver Fixed is minutes away.

Open online now


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).

Please note:
Rates of interest are subject to change, please check before opening. Rates are fixed on account opening. Rates effective from 01/07/2014.
For a definition of AER, tax free and other terms please view our savings glossary.

Savings

Your new ISA Saver Fixed is minutes away

Open online now

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.

Register for your chance to win

Transfer your ISA using our quick online transfer form and as part of our ISA Promise, we'll pay you interest while your ISA funds are being transferred, provided they are free to move.

Transfer your ISA to Halifax now

You're protected

Your eligible deposits with Halifax are protected up to a total of £85,000 by the Financial Services Compensation Scheme.

Find out more
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