Our best 2017/18 cash ISAs.

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.


Existing customers

To top up your Cash ISA or transfer an ISA to the Halifax, we’ve got all the information you need.

Account name

Benefits & features

Interest rate

Help to Buy: ISA

Help to buy: Backed by HM Government

Access:
Online, Telephone, in Branch

Find out more

  • Get a government bonus of 25% on your final balance, up to £3,000 (based on eligibility).
  • Unlimited withdrawals (although you will not be able to claim any bonus on the funds you withdraw and it will take longer to save enough to qualify for the maximum bonus).
  • Qualifying account for the Halifax Savers Prize Draw.

To save in a Help to Buy: ISA:

  • open with £1 up to £1,000. This must be received within 21 days of account opening
  • save from £1 to £200 each month to be received by standing order by the 25th of each month
  • manage in branch, on the telephone or through our Online Banking

Already have another ISA? You could:

  • take advantage of our ISA promise if you transfer
  • transfer the full balance from another Help to Buy: ISA or up to £1,000 from any other ISAs
  • see our ISA transfer page for more detail on how this works

Bear in mind.

  • This ISA is for first time buyers only.
  • When you are ready to buy your home, you’ll need to close your account in branch in one transaction.
  • Your bonus is paid on purchase of a UK property up to the value of £250,000 outside London and £450,000 inside London.
  • Any costs incurred before the completion of the property purchase cannot be covered by the bonus.
  • You can only pay into one cash ISA in a tax year.

2.00%
tax free/AER variable

Interest paid annually on balances of £1 or more

Find out more

ISA Saver Fixed

Access: Online, Telephone, in Branch

Find out more

  • Qualifying account for the Halifax Savers Prize Draw.
  • Choice of interest paid monthly (may be at a different tax-free rate) or annually.
  • Save up to £20,000 per tax year. You can choose to invest any remaining allowance in a stocks and shares ISA, innovative finance ISA, or a lifetime ISA (depending on your age and circumstance and up to the lifetime ISA limit).
  • ISA transfers benefit from our ISA Promise
  • 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 may be subject to tax, unless the other account is also tax-free.
  • 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 monthly (may be at a different 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
    • 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. See Instant ISA Saver interest rates (PDF)
  • You will need your National Insurance Number before you apply

0.60%
tax free/AER fixed for 2 years

Find out more

 

ISA Saver Variable

Access: Online, Telephone and in Branch

Find out more

  • Opening balance of £1
  • No restriction on withdrawals
  • Easy access
  • Save up to £20,000 less any amount invested in a stocks and shares ISA, lifetime ISA or an innovative finance ISA in the same tax year
  • ISA transfers benefit from our ISA Promise
  • 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

You can transfer your existing variable Halifax ISA to this account.

0.35%
tax free/AER variable for 12 months

After 12 months, your account automatically changes to an Instant ISA Saver. See Instant ISA Saver interest rates (PDF).

Find out more

Help to Buy: ISA

Help to buy: Backed by HM Government

Access:
Online, Telephone, in Branch

Find out more


Benefits & features

  • Get a government bonus of 25% on your final balance, up to £3,000 (based on eligibility).
  • Unlimited withdrawals (although you will not be able to claim any bonus on the funds you withdraw and it will take longer to save enough to qualify for the maximum bonus).
  • Qualifying account for the Halifax Savers Prize Draw.

To save in a Help to Buy: ISA:

  • open with £1 up to £1,000. This must be received within 21 days of account opening
  • save from £1 to £200 each month to be received by standing order by the 25th of each month
  • manage in branch, on the telephone or through our Online Banking

Already have another ISA? You could:

  • take advantage of our ISA promise if you transfer
  • transfer the full balance from another Help to Buy: ISA or up to £1,000 from any other ISAs
  • see our ISA transfer page for more detail on how this works

Bear in mind.

  • This ISA is for first time buyers only.
  • When you are ready to buy your home, you’ll need to close your account in branch in one transaction.
  • Your bonus is paid on purchase of a UK property up to the value of £250,000 outside London and £450,000 inside London.
  • Any costs incurred before the completion of the property purchase cannot be covered by the bonus.
  • You can only pay into one cash ISA in a tax year.

Interest rate

2.00%
tax free/AER variable

Interest paid annually on balances of £1 or more

Find out more

ISA Saver Fixed

Access: Online, Telephone, in Branch

Find out more


Benefits & features

  • Qualifying account for the Halifax Savers Prize Draw.
  • Choice of interest paid monthly (may be at a different tax-free rate) or annually.
  • Save up to £20,000 per tax year. You can choose to invest any remaining allowance in a stocks and shares ISA, innovative finance ISA, or a lifetime ISA (depending on your age and circumstance and up to the lifetime ISA limit).
  • ISA transfers benefit from our ISA Promise
  • 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 may be subject to tax, unless the other account is also tax-free.
  • 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 monthly (may be at a different 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
    • 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. See Instant ISA Saver interest rates (PDF)
  • You will need your National Insurance Number before you apply

Interest rate

0.60%
tax free/AER fixed for 2 years

Find out more

 

ISA Saver Variable

Access: Online, Telephone and in Branch

Find out more


Benefits & features

  • Opening balance of £1
  • No restriction on withdrawals
  • Easy access
  • Save up to £20,000 less any amount invested in a stocks and shares ISA, lifetime ISA or an innovative finance ISA in the same tax year
  • ISA transfers benefit from our ISA Promise
  • 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

You can transfer your existing variable Halifax ISA to this account.

Interest rate

0.35%
tax free/AER variable for 12 months

After 12 months, your account automatically changes to an Instant ISA Saver. See Instant ISA Saver interest rates (PDF).

Find out more


Junior Cash ISA

Want to save for a little one? Then opening a children's ISA is a good way to help them become financially aware, it comes with a great rate and it's tax free too.

Tax treatment depends on your child’s individual circumstances and may change.

Account name

Benefits & features

Interest rate

Junior Cash ISA

Access: In branch

Find out more

  • Existing Child Trust Fund holders can only apply for a Junior Cash ISA in branch.
  • A long-term, tax-free savings account for children under 18
  • Deposits can be made by anyone (annual junior ISA limit applies). As deposits are treated as a gift they cannot be returned to the Donor.
  • Opening balance of £1
  • Save up to £4,128, less any amount paid into a stocks & shares Junior ISA in the same tax year
  • The account must be opened by an adult with parental responsibility if the child is under 16, or by the child if they are aged 16-17
  • Withdrawals from any Junior Cash ISA are not allowed until the child reaches the age of 18, except in case of the child's death or terminal illness
  • You can't view the account on your online banking profile

3.00% tax free/AER

Find out more

Junior Cash ISA

Access: In branch

Find out more


Benefits & features

  • Existing Child Trust Fund holders can only apply for a Junior Cash ISA in branch.
  • A long-term, tax-free savings account for children under 18
  • Deposits can be made by anyone (annual junior ISA limit applies). As deposits are treated as a gift they cannot be returned to the Donor.
  • Opening balance of £1
  • Save up to £4,128, less any amount paid into a stocks & shares Junior ISA in the same tax year
  • The account must be opened by an adult with parental responsibility if the child is under 16, or by the child if they are aged 16-17
  • Withdrawals from any Junior Cash ISA are not allowed until the child reaches the age of 18, except in case of the child's death or terminal illness
  • You can't view the account on your online banking profile

Interest rate

3.00% tax free/AER

Find out more


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 a lifetime ISA or 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.