Our best 2013/14 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 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.

Account name	Benefits & features	Interest rate
Junior Cash ISA Access: 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 £3,720 for the tax year 2013/2014. This amount is minus any amount paid into a Stocks and 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	6.00% 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.

Account name

Benefits & features

Interest rate

Junior Cash ISA

Access: in branch

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 £3,720 for the tax year 2013/2014. This amount is minus any amount paid into a Stocks and 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

6.00% 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.

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).

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

* 1 year, 90 days interest; 2 years, 180 days interest; 3 years, 270 days interest; 4 years, 320 days interest and 5 years, 365 days interest.

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