ISAs

Cash ISAs

A Halifax cash ISA gives you a great way to save up to £15,240 tax free in the 2015/16 tax year. Make sure you use your full ISA allowance before the end of the tax year because any you don’t use isn’t carried over. You can choose to save your ISA allowance of £15,240 in cash, stocks and shares, or any combination of the two provided that you don't exceed more than £15,240 in total for the 2015/16 tax year.

Choose between our best easy access and fixed term cash ISAs or take a look at the full range we offer, including the Junior Cash ISA.

Tax treatment depends on your individual circumstances and may change.

Account name

Benefits & features

Interest rate

ISA Saver Variable

Access: Online, Telephone,
in Branch

 

ISA conditions

  • Manage and top up your ISA online
  • Save up to £15,240, less any amount invested in a stocks & shares ISA in the same tax year
  • Unlimited withdrawals (subject to a minimum balance of £1)
  • Qualifying account for the Halifax Savers Prize Draw
  • 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

  • Interest paid annually on 5th April, unless 5th April is not a working day then it will be paid the previous working day
  • Once you have paid in the maximum ISA allowance, any money withdrawn cannot be replaced in the same tax year
  • You will need your National Insurance Number before you apply

insertAsset 1.00% tax free/AER variable including 12 month fixed bonus of
insertAsset 0.50%

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

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ISA Saver Fixed

1- 5 year terms available.

Access: Online, Telephone,
In branch

ISA conditions

  • 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 opening balance of £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:

    • 90 days’ tax free interest for a 1 year term
    • 135 days’ tax free interest for an 18 month term
    • 180 days’ tax free interest for a 2 year term
    • 270 days’ tax free interest for a 3 year term

    • This means you may get back less than the amount you deposit.
  • 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 insertAsset0.50% tax free/AER variable
  • You will need your National Insurance Number before you apply

insertAsset1.40% tax free/AER fixed for 1 year

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insertAsset1.60% tax free/AER fixed for 18 months

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insertAsset1.65% tax free/AER fixed for 2 years

Open online now

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insertAsset1.75% tax free/AER fixed for 3 years

Open online now

Find out more

ISA Saver Variable

Access: Online, Telephone,
in Branch

 

ISA conditions


Benefits & features

  • Manage and top up your ISA online
  • Save up to £15,240, less any amount invested in a stocks & shares ISA in the same tax year
  • Unlimited withdrawals (subject to a minimum balance of £1)
  • Qualifying account for the Halifax Savers Prize Draw
  • 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

  • Interest paid annually on 5th April, unless 5th April is not a working day then it will be paid the previous working day
  • Once you have paid in the maximum ISA allowance, any money withdrawn cannot be replaced in the same tax year
  • You will need your National Insurance Number before you apply

Interest rate

insertAsset 1.00% tax free/AER variable including 12 month fixed bonus of
insertAsset 0.50%

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

Open online now

Find out more

ISA Saver Fixed

1- 5 year terms available.

Access: Online, Telephone,
In branch

ISA conditions


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
  • 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 opening balance of £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:

    • 90 days’ tax free interest for a 1 year term
    • 135 days’ tax free interest for an 18 month term
    • 180 days’ tax free interest for a 2 year term
    • 270 days’ tax free interest for a 3 year term

    • This means you may get back less than the amount you deposit.
  • 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 insertAsset0.50% tax free/AER variable
  • You will need your National Insurance Number before you apply

Interest rate

insertAsset1.40% tax free/AER fixed for 1 year

Open online now

Find out more


insertAsset1.60% tax free/AER fixed for 18 months

Open online now

Find out more


insertAsset1.65% tax free/AER fixed for 2 years

Open online now

Find out more


insertAsset1.75% tax free/AER fixed for 3 years

Open online now

Find out more

Stocks & Shares ISAs

A Halifax stocks and shares ISA gives you a great way to invest up to £15,240 tax efficiently in the 2015/16 tax year. If you don't make full use of your allowance, you won't be able to carry anything over into the next tax year.

Account name

Maximum contribution

Minimum opening balance

Withdrawals

Manage your money

Stocks & Shares ISA
Invest tax-efficiently online in one of our managed funds

£15,240

£100 regular investment (£2,000 lump sum)

Unlimited

Online

Find out more

Self-Select Stocks & Shares ISA
A tax efficient way to trade a wide range of stocks and shares.

£15,240

£20

Unlimited

Online
Telephone banking

Find out more

Junior Stocks & Shares ISA
Invest tax efficiently for the benefit of your child.

£4,080

£20

None, until the child is 18

Online
Telephone banking

Find out more

Stocks & Shares ISA
Invest tax-efficiently online in one of our managed funds


Maximum contribution

£15,240

Minimum opening balance

£100 regular investment (£2,000 lump sum)

Withdrawals

Unlimited

Manage your money

Online

Self-Select Stocks & Shares ISA
A tax efficient way to trade a wide range of stocks and shares.


Maximum contribution

£15,240

Minimum opening balance

£20

Withdrawals

Unlimited

Manage your money

Online
Telephone banking

Junior Stocks & Shares ISA
Invest tax efficiently for the benefit of your child.


Maximum contribution

£4,080

Minimum opening balance

£20

Withdrawals

None, until the child is 18

Manage your money

Online
Telephone banking

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 into ISAs. This is known as your annual ISA allowance.

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

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

Existing Customers

Options

Description

Cash ISA transfer

Transfer your cash ISA to us by following two simple steps

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Top up your easy access cash ISA

Our guide shows how you use Online Banking to top up your cash ISA

Find out more

Renew your easy access cash ISA

Renewing your account means either changing the type of account you hold, or changing the rate of interest that your account pays.

Find out more

Fixed cash ISA maturity

If your fixed cash ISA is about to mature you can provide instructions to reinvest your money, add to or withdraw from your funds or close your account.

Find out more

Cash ISA transfer


Description

Transfer your cash ISA to us by following two simple steps

Top up your easy access cash ISA


Description

Our guide shows how you use Online Banking to top up your cash ISA

Renew your easy access cash ISA


Description

Renewing your account means either changing the type of account you hold, or changing the rate of interest that your account pays.

Fixed cash ISA maturity


Description

If your fixed cash ISA is about to mature you can provide instructions to reinvest your money, add to or withdraw from your funds or close your account.

Help & Guidance

Don't know where to start?

Want to know more about ISAs before you continue? Whether you're new to ISAs or want to manage an existing account, we've put together a guide that tells you everything you need to know to help you on your way.

Find out more


Frequently asked questions

You can save up to £15,240 in an ISA in the 2015/16 tax year. You can choose to save your ISA allowance of £15,240 in cash, stocks and shares, or any combination of the two provided that you don't exceed more than £15,240 in total for the 2015/16 tax year.

Tax years run from 6th April one year to 5th April the following year.

Halifax will not charge you for switching your cash ISA, but your existing ISA manager may make administration charges for the transfer, such as for supplying information. Unfortunately, we’re not able to refund any charges made by your existing provider or refund any interest and/or bonus you may lose by transferring. You’ll need to check with your existing ISA provider.

Still not found what you're looking for? Take a look at our full list of the most common queries we receive about ISAs from our customers.


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

Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.

Halifax Share Dealing Limited. Registered in England and Wales no. 3195646. Registered Office: Trinity Road, Halifax, West Yorkshire, HX1 2RG. Authorised and regulated by the Financial Conduct Authority, 25 The North Colonnade, Canary Wharf, London, E14 5HS under registration number 183332. A Member of the London Stock Exchange and an HM Revenue & Customs Approved ISA Manager.

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