ISA SAVER FIXED.

Features & benefits

Bear in mind

Manage

  • Save between £500 and £15,240, less any amount invested in a stocks and shares ISA and/or an innovative finance ISA in the same tax year
  • 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)
  • Qualifying account for the Halifax Savers Prize Draw
  • View your ISA balance online
  • No withdrawals (except account closure)
  • All deposits and transfers required within 60 days of account opening
  • Early account closure will result in the loss of interest (see Summary Box for details)
  • You will need your National Insurance Number to hand before you apply
  • Tax treatment depends on your individual circumstances and may change.

Online
Telephone
In Branch

  • Save between £500 and £15,240, less any amount invested in a stocks and shares ISA and/or an innovative finance ISA in the same tax year
  • 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)
  • Qualifying account for the Halifax Savers Prize Draw
  • View your ISA balance online

Bear in mind

  • No withdrawals (except account closure)
  • All deposits and transfers required within 60 days of account opening
  • Early account closure will result in the loss of interest (see Summary Box for details)
  • You will need your National Insurance Number to hand before you apply
  • Tax treatment depends on your individual circumstances and may change.

Manage

Online
Telephone
In Branch


Summary box

Account name ISA Saver Fixed.
Interest rates (AERs) Fixed interest rate. See current rates below.
Tax status Interest will be paid tax free.
Conditions for bonus payment There’s no bonus available on this account.
Withdrawal arrangements No withdrawals allowed. Early closure or transfer out permitted. Closing your account early will result in the loss of an amount equivalent to:

2 year term – 180 days’ tax free interest
5 year term – 365 days’ tax free interest

This amount will be taken from the amount you put into your ISA Saver Fixed and therefore you may get back less than you deposited.
Access View your balance in branch, by telephone an online.

Useful info

You can find your account in 4 convenient ways:

  • Fund your account as part of the online banking application process (you need to be registered for the service).
  • Over the counter at any Halifax branch.
  • By money transfer from another financial institution (you'll need to quote your new account details)
  • By posting us a cheque to the following address: Halifax, PO Box 548, LEEDS, LS1 1WU. Please make your cheque payable to the account holder’s name and include your new account details on the reverse.

All deposits and transfers are required within 60 days of account opening.

  • 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.
  • 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.
  • 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).
  • ISA transfers must be completed within 60 days of account opening.
  • 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.

  • Fixed rate interest means the rate we pay will not change throughout the term.
  • Interest paid monthly (may be at a lower tax free rate) or annually on anniversary of account opening.
  • 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 or is registered to receive gross interest.
  • To have your interest paid to another account you first need to open your account online and then provide your instructions by calling us on 0345 726 3646 (Mon-Fri 8am-8pm, Sat 8am-6pm, Sun 9am-5pm). If you're calling from abroad or would prefer not to use the 0345 number, you can call us on +44 (0) 113 242 2005. Alternatively, make an appointment in your local branch.
  • 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.
  • When your account is near its maturity date you can re-invest your existing fixed rate cash ISA balance into this account, by filling in our online reinvestment form.

To open a cash ISA you must be 16 or over. You must be resident in the UK for tax purposes. If you don't live in the UK, find out about offshore savings accounts.

  • Opening a cash ISA affects the amount you can invest in a stocks and shares ISA and/or an innovative finance ISA.
  • You're only allowed to pay into one cash ISA per tax year. The only exception is if you have opened a separate cash ISA to pay in an Additional Permitted Subscription allowance following the death of a spouse or civil partner.
  • 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.
  • You’ll need your National Insurance number to hand when you apply.
  • You have 14 days starting from the day after your account is opened, to give us written notice that you wish to cancel. Notice should be given in writing to: Halifax, PO Box 548, LEEDS, LS1 1WU. If you do not exercise your right to cancel you may still close your account as set out in your account conditions. Whenever you cancel, we will repay any credit balance outstanding. You must repay any monies owed and return any cards. There is no charge for cancellation under these regulations and we will pay interest on the account for the time your money was with us. Also, you will not lose your ISA allowance for the current tax year and will be able to invest it in another ISA.

Current rates & apply


Terms and conditions (PDF)

Interest rate

2 year term

insertAsset 1.25% tax free/AER fixed

Open now

5 year term

insertAsset 2.00% tax free/AER fixed

Open now

2 year term


Interest rate

insertAsset 1.25% tax free/AER fixed

5 year term


Interest rate

insertAsset 2.00% tax free/AER fixed

If you're looking to invest for more than 5 years why not consider investing in our managed funds.


Existing Halifax ISA customers

If you’ve got a Halifax fixed cash ISA which is about to mature and would like to reinvest your balance and any interest it’s earned in a ISA Saver Fixed, you can provide us with your maturity instructions online.

If you've got a Halifax easy access cash ISA you can renew it into any of our current fixed term or easy access cash ISAs. This will not affect the tax free status of your savings.


Please note:

Rates of interest are subject to change. Rates effective from 0.00am on insertAsset 08/12/2015.
For a definition of AER, tax free and other terms please view our savings glossary.


This account qualifies for the 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 qualifying accounts during the whole calendar month before the draw.


You’re protected

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). 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.

FSCS