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Tax Free Savings Accounts
If you're a taxpayer you really should have an ISA (Individual Savings Account). That's because, unlike other types of savings accounts, you receive the interest with no tax taken off
| Account Name | Main benefit | Interest rates up to (AER) | Minimum opening balance | Access | Withdrawals | |
| Fixed Rate ISA Saver | Guaranteed rates on your tax free savings | 4.25% (4 year term, £500+) | £500 | Online, branch, phone | By closure only | |
| ISA Saver Direct | Save tax free with easy access to your funds | 0.50% (variable) | £1 | Online or phone | Unlimited | |
| Variable Rate ISA Saver | Branch based passbook ISA offering instant access | 0.20% (£27,000+) | £1 | Online or branch | Unlimited |
Please note: Rates of interest are subject to change, to check effective dates for all our Savings products please see our Interest Rates section.
Other types of ISAs Stocks & Shares ISAs Looking for the best ISA to suit your needs? Interested in investing for the longer term? Our ISA Investor lets you invest for growth or income. > Find out more about Stocks and Shares ISAs Share Dealing Self-Select ISAs Deal in shares or funds and enjoy tax efficient growth, currently free from Capital Gains Tax when you open an Individual Savings Account (ISA) or transfer your existing ISA to Halifax. > Find out more about Share Dealing Self-Select ISAs
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Here's a quick summary of things to know about cash ISAs:
- Interest with no tax taken off - so for every £1 of interest you earn on your savings, at least 20p is saved from the taxman
- Save up to £3,600 (£5,100 for those aged 50 or above on or before 5 April 2010) - each tax year in a cash ISA
- One cash ISA per year - with one provider
- Leave your savings for as long as you like - you don't have a time limited to withdraw your savings, so can continue to enjoy tax free interest for years to come
- Transfer your ISA - if you like the look of our ISA account but already have an ISA open for this tax year with another provider, simply transfer your ISA account to us
For more details print off our guide to ISAs (opens as PDF)
Helpful Information What is an ISA? Use our guide to find out more about ISAs Choose your ISA Find the right ISA to suit your needs Did you know ISA rules changed on the 6th April 2008 and 6th October 2009? Find out today how you can benefit. |