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).

Account NameBenefits & featuresInterest rate 

Access: by phone

  • 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
  • Manage and top up your ISA online

1.25% tax free/AER variable (including 12 month fixed bonus of 1.00%).

At the end of the bonus period:
Variable rates without bonus will apply (currently this is 0.25% tax free/AER variable).

Access: by phone by phone in branch

  • 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
  • Manage and top up your ISA online, in branch or over the phone

1.20% tax free/AER variable (including 12 month fixed bonus of 0.70%).

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

Access: by phone 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. If interest is paid into a different account, it will lose its tax free status once that has happened.
  • 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 account opening
  • Interest paid 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
    - 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 0.50% tax free/AER variable
  • You will need your National Insurance Number before you apply.
1.55% tax free/AER fixed for 1 year
1.80% tax free/AER fixed for 2 years
2.00% tax free/AER fixed for 3 years
2.20% tax free/AER fixed for 5 years

Common features

  • Save up to £15,000. 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 £15,000 in total during the 2014/15 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 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 renew it into another ISA account.

Tax treatment depends on your 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 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.

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