ISA Saver Fixed
 Fix your term. Fix your rate. And  best of all, free from tax. |
2.25% tax free/AER fixed for 3 year term |
| Features & benefits | Bear in mind | Manage |
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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 4 year term – 320 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
| Term | UK resident personal interest rates (AER fixed) effective from 23rd April 2013 | |
|---|---|---|
| 5 years | 2.35% tax free/AER |  |
| 4 years | 2.30% tax free/AER | |
| 3 years | 2.25% tax free/AER | |
| 2 years | 2.10% tax free/AER | |
| 1 year | 1.75% tax free/AER | |
Existing Halifax ISA customers
If you're an existing Halifax ISA customer you can transfer your matured Halifax fixed term ISA or you can transfer your existing Halifax variable rate cash ISA to a new ISA, using our online forms, without affecting the tax free status of your funds.
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 must be completed within 60 days of account opening.
Already have a Halifax cash ISA
If you already have an existing variable rate cash ISA - you can convert it to this account.
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
- 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
- Cash 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.
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 and ordinarily resident in the UK. If you don't live in the UK, find out about offshore savings accounts.
Your new ISA Saver Fixed is minutes away.
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).
