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

Help to Buy: ISA

Access:
Online, Telephone, in Branch

  • Available to first time buyers aged 16 or over and who are UK residents.
  • Open the account with £1 up to £1,000 – this must be received within 21 days of account opening.
  • Save £1-£200 each calendar month by standing order that must be received by 25th of the month (this can include the month you open your ISA, meaning that your initial deposit can be up to £1,200).
  • There are no restrictions on withdrawals (although you will not be able to claim any Help to Buy: ISA bonus on the funds you withdraw and it will take longer to save enough to qualify for the maximum bonus).
  • Manage your account in branch, on the telephone or through our Online Banking.
  • Qualifying account for the Halifax Savers Prize Draw.

Bear in mind.

  • Please note your Help to Buy: ISA will not show in your list of accounts when you sign in to the Halifax mobile app but will be visible when you sign in to our desktop site.
  • You must be a first time buyer to open a Help to Buy: ISA account.
  • Your bonus is paid on purchase of a property up to the value of £250,000 outside London and £450,000 inside London.
  • You cannot pay into another cash ISA in the same tax year.
  • Unlimited withdrawals but you will not be able to claim any Help to Buy: ISA bonus on the funds you withdraw.
  • You can make monthly contributions of up to £200 per month. You can pay into the account once a month by standing order. This must be paid by the 25th of the month.
  • The UK Government will pay a 25% bonus on your final balance (The minimum bonus of £400 is payable on closing balances of £1,600. The maximum bonus of £3,000 is paid on closing balances of £12,000 or more. No bonus will be paid on closing balances below £1,600).
  • If you’re planning to buy your first home with someone else who is also a first time buyer, you can both open Help to Buy: ISAs and both claim Government bonuses of up to £3,000 when you purchase your first home (Help to Buy: ISAs cannot be taken out as a joint product).
  • Interest paid annually on balances of £1 or more.

insertAsset 4.00% tax free/AER variable

Open online now

Help to buy: Backed by HM Government

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.
  • Save up to £15,240. You can choose to invest any remaining allowance in a stocks and shares ISA, or innovative finance ISA providing you don’t invest more than £15,240 in total during the 2016/17 tax year.
  • 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 be 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 any remaining allowance in a stocks and shares ISA, or innovative finance ISA providing you don’t invest more than £15,240 in total during 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:
    - 180 days’ tax free interest for a 2 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 automatically changes to an Instant ISA Saver, currently payinginsertAsset 0.25% tax free/AER variable.
  • You will need your National Insurance Number before you apply.

insertAsset1.25% tax free/AER fixed for 2 years

Open online now


insertAsset2.00% tax free/AER fixed for 5 years

Open online now

ISA Saver Variable

Access:
Online
Telephone
In branch

  • Opening balance of £1
  • No restriction on withdrawals
  • Save up to £15,240. You can choose to invest any remaining allowance in a stocks and shares ISA, or innovative finance ISA providing you don’t invest more than £15,240 in total during the 2016/17 tax year.
  • 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
  • Flexible ISA rules allow you to withdraw money and replace it later in the same tax year, without losing any of your tax-free entitlement.
  • Qualifying account for the Halifax Savers Prize Draw
  • Manage and top up your ISA online, in branch or over the phone

insertAsset0.60% tax free/AER variable for 12 months.

After 12 months, your account automatically changes to an Instant ISA Saver, currently paying insertAsset 0.25% tax free/AER variable.

Open online now

Help to Buy: ISA

Access:
Online, Telephone, in Branch


Benefits & features

  • Available to first time buyers aged 16 or over and who are UK residents.
  • Open the account with £1 up to £1,000 – this must be received within 21 days of account opening.
  • Save £1-£200 each calendar month by standing order that must be received by 25th of the month (this can include the month you open your ISA, meaning that your initial deposit can be up to £1,200).
  • There are no restrictions on withdrawals (although you will not be able to claim any Help to Buy: ISA bonus on the funds you withdraw and it will take longer to save enough to qualify for the maximum bonus).
  • Manage your account in branch, on the telephone or through our Online Banking.
  • Qualifying account for the Halifax Savers Prize Draw.

Bear in mind.

  • Please note your Help to Buy: ISA will not show in your list of accounts when you sign in to the Halifax mobile app but will be visible when you sign in to our desktop site.
  • You must be a first time buyer to open a Help to Buy: ISA account.
  • Your bonus is paid on purchase of a property up to the value of £250,000 outside London and £450,000 inside London.
  • You cannot pay into another cash ISA in the same tax year.
  • Unlimited withdrawals but you will not be able to claim any Help to Buy: ISA bonus on the funds you withdraw.
  • You can make monthly contributions of up to £200 per month. You can pay into the account once a month by standing order. This must be paid by the 25th of the month.
  • The UK Government will pay a 25% bonus on your final balance (The minimum bonus of £400 is payable on closing balances of £1,600. The maximum bonus of £3,000 is paid on closing balances of £12,000 or more. No bonus will be paid on closing balances below £1,600).
  • If you’re planning to buy your first home with someone else who is also a first time buyer, you can both open Help to Buy: ISAs and both claim Government bonuses of up to £3,000 when you purchase your first home (Help to Buy: ISAs cannot be taken out as a joint product).
  • Interest paid annually on balances of £1 or more.

Interest rate

insertAsset 4.00% tax free/AER variable

Open online now

Help to buy: Backed by HM Government

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.
  • Save up to £15,240. You can choose to invest any remaining allowance in a stocks and shares ISA, or innovative finance ISA providing you don’t invest more than £15,240 in total during the 2016/17 tax year.
  • 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 be 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 any remaining allowance in a stocks and shares ISA, or innovative finance ISA providing you don’t invest more than £15,240 in total during 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:
    - 180 days’ tax free interest for a 2 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 automatically changes to an Instant ISA Saver, currently payinginsertAsset 0.25% tax free/AER variable.
  • You will need your National Insurance Number before you apply.

Interest rate

insertAsset1.25% tax free/AER fixed for 2 years

Open online now


insertAsset2.00% 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
  • Save up to £15,240. You can choose to invest any remaining allowance in a stocks and shares ISA, or innovative finance ISA providing you don’t invest more than £15,240 in total during the 2016/17 tax year.
  • 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
  • Flexible ISA rules allow you to withdraw money and replace it later in the same tax year, without losing any of your tax-free entitlement.
  • Qualifying account for the Halifax Savers Prize Draw
  • Manage and top up your ISA online, in branch or over the phone

Interest rate

insertAsset0.60% tax free/AER variable for 12 months.

After 12 months, your account automatically changes to an Instant ISA Saver, currently paying insertAsset 0.25% tax free/AER variable.

Open online now

Common features

  • 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

  • Opening a cash ISA affects the amount you can invest in a stocks and shares or innovative finance 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.
  • You are only allowed to subscribe to one cash ISA in each tax year
  • If you ask to transfer a flexible ISA in full and you have withdrawn all or part of any amount you paid in during a previous tax year, you will not be able to replace these withdrawals once the transfer process starts

If you’re transferring in from an innovative finance ISA, please contact your local branch.

Please note, eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). For further information about the compensation provided by the FSCS, refer to the FSCS website at www.fscs.org.uk/. You can also visit our Financial Services Compensation Scheme page for more details.


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