Cash ISAs.

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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).

Tax treatment depends on your individual circumstances and may change.

Account name

Benefits & features

Interest rate

ISA Saver Fixed

Access:
Online
Telephone
In branch

  • Qualifying account for the Halifax Savers Prize Draw
  • 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 opening your account. After that, you won’t able to save any more of your ISA allowance in a cash ISA until the next tax year, however you’ll still be able to invest in a stocks and shares ISA as long as you don't invest more than £15,240 in total this tax year.
  • 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
    - 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 insertAsset0.50% tax free/AER variable
  • You will need your National Insurance Number before you apply.

insertAsset1.25% tax free/AER fixed for 1 year

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insertAsset1.30% tax free/AER fixed for 18 months

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insertAsset1.50% tax free/AER fixed for 2 years

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insertAsset1.60% tax free/AER fixed for 3 years

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insertAsset1.80% tax free/AER fixed for 5 years

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ISA Saver Variable

Access:
Online
Telephone
In branch

  • Opening balance of £1
  • No restriction on withdrawals
  • Interest paid on the anniversary of the date you opened your account (or on the working day immediately after if your account’s anniversary date is not a 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

insertAsset0.80% tax free/AER variable (including 12 month fixed bonus of insertAsset0.30%).

At the end of the bonus period:
Variable rates without bonus will apply (currently this is insertAsset0.50% tax free/AER variable).

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ISA Saver Fixed

Access:
Online
Telephone
In branch


Benefits & features

  • Qualifying account for the Halifax Savers Prize Draw
  • 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 opening your account. After that, you won’t able to save any more of your ISA allowance in a cash ISA until the next tax year, however you’ll still be able to invest in a stocks and shares ISA as long as you don't invest more than £15,240 in total this tax year.
  • 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
    - 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 insertAsset0.50% tax free/AER variable
  • You will need your National Insurance Number before you apply.

Interest rate

insertAsset1.25% tax free/AER fixed for 1 year

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insertAsset1.30% tax free/AER fixed for 18 months

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insertAsset1.50% tax free/AER fixed for 2 years

Open online now


insertAsset1.60% tax free/AER fixed for 3 years

Open online now


insertAsset1.80% tax free/AER fixed for 5 years

Open online now

ISA Saver Variable

Access:
Online
Telephone
In branch


Benefits & features

  • Opening balance of £1
  • No restriction on withdrawals
  • Interest paid on the anniversary of the date you opened your account (or on the working day immediately after if your account’s anniversary date is not a 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

Interest rate

insertAsset0.80% tax free/AER variable (including 12 month fixed bonus of insertAsset0.30%).

At the end of the bonus period:
Variable rates without bonus will apply (currently this is insertAsset0.50% tax free/AER variable).

Open online now

Common features

  • Save up to £15,240. You can choose to invest any remaining allowance in a cash ISA, a stocks and shares ISA or a combination of both providing you don’t invest more than £15,240 in total during the 2015/16 tax year.
  • All interest is paid tax free
  • 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)
  • Halifax Savers Prize Draw - You’ve a chance of winning one of 3 top prizes of £100,000, if you register and hold £5,000 or more 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
  • Opening a cash ISA affects the amount you can invest in a stocks and shares ISA
  • 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.

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 these accounts 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.