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Top up your current cash ISA or open a new cash ISA today.
Each tax year you can benefit from a personal ISA allowance, helping you to earn tax-free interest.
Account |
Interest |
Minimum first deposit |
Open for |
Withdrawals |
More info |
---|---|---|---|---|---|
Account |
Interest 3.80% 3.90% 3.40% 3.50% 3.20% Choose to receive interest monthly, or after each year. |
Minimum first deposit £500 |
Open for One, two or five years. Your account will then change to an Instant ISA Saver. |
Withdrawals By account closure or transfer only. Charges apply. |
More info |
Account Only for Reward Current Account or Ultimate Reward Current Account holders. |
Interest 3.80% 1.20% Interest is paid monthly. |
Minimum first deposit £1 |
Open for One year. Your account will then change to an Instant ISA Saver. |
Withdrawals Unlimited. If you make four or more withdrawals, you’ll get the lower interest rate from the month you make the fourth withdrawal, until the end of the account year. |
More info |
Account |
Interest 3.70% 1.20% Interest is paid monthly. |
Minimum first deposit £1 |
Open for One year. Your account will then change to an Instant ISA Saver. |
Withdrawals Unlimited. If you make four or more withdrawals, you’ll get the lower interest rate from the month you make the fourth withdrawal, until the end of the account year. |
More info |
Account |
Interest 1.30% 1.35% 1.80% Interest is variable and paid after a year. The rate applies to the full balance. |
Minimum first deposit £1 |
Open for One year. Your account will then change to an Instant ISA Saver. |
Withdrawals Unlimited. |
More info |
Account An ISA for anyone aged under 18. |
Interest 3.50% Interest is paid after each year |
Minimum first deposit £1 |
Open for Until the child's 18th birthday. The account will then change to an adult ISA Saver Variable. |
Withdrawals None until the child's 18th birthday. |
More info |
Account If you have an ISA Saver Variable, ISA Saver Fixed, ISA Reward Bonus Saver or ISA Bonus Saver with us, it will change into this account at the end of its term. |
Interest 1.30% 1.35% 1.80% The interest rate is variable. The rate applies to the full balance. Your interest frequency will stay the same as it was on your last account. |
Minimum first deposit £1 |
Open for No end date. |
Withdrawals Unlimited. |
More info |
Tax treatment depends on individual circumstances and may change in the future.
Interest rates can change. You can check current interest rates online at any time.
The Annual Equivalent Rate (AER) helps you to understand how much interest you could earn from your savings in a year. It also makes it easier to compare accounts.
AER includes the effect of compound interest – essentially the interest you earn on top of any interest that’s already part of your savings balance.
You don’t usually need to pay tax on interest earned on:
Adults can earn a certain amount of tax-free interest on their savings each year, depending on your:
This is the percentage of interest you’ll earn on savings, pre-tax. Halifax won’t take off any tax due, so you’ll need to declare and pay anything you owe to HM Revenue and Customs.
It really depends on the terms of your ISA. It’s important to check the terms carefully before you take money out of a cash ISA.
Some accounts, like the Halifax ISA Saver Variable, let you withdraw at any time. However, most fixed ISA accounts could issue a charge or void your agreement entirely if you take out money.
You can only put money into one cash ISA with us in a tax year, but you can also pay into any other ISA for which you are eligible in each tax year.
Some easy access accounts have variable interest rates based on market conditions.
A fixed rate account might offer a higher rate of interest that’s fixed for a set period. Your returns could be better, but these accounts tend to be less flexible. For example, charges may apply if you withdraw money earlier than planned.