Flexible ISA
|
Tier
|
Term
|
Initial rate
|
Current rate Payable
|
Tax free AER
|
Rate payable after 12 months AER tax free
|
|
£1 +
|
12 Months
|
Bank of England Base Rate + 2.70%
|
3.20%
|
3.20%
|
0.50%
|
Rates are variable and effective from 06 April 2010.
For 12 months the rate will remain 2.70% above the Bank of England base rate, but is guaranteed never to drop below 3.20% AER tax free (variable).
Reward ISA
|
Tier
|
AER % (incl. bonus*) tax free
|
AER % (excl. bonus) tax free
|
Gross % (excl. bonus)
|
NET % (excl. bonus)
|
|
£1 +
|
3.50
|
1.50
|
1.50
|
n/a
|
Rates are variable and effective from 5th May 2009
* Includes a variable rate bonus for the first 12 months, which is currently 2.00% gross / AER
Instant Access ISA
Annually
|
Tier
|
AER % (incl. bonus*) tax free
|
AER % (excl. bonus) tax free
|
Gross % (excl. bonus)
|
NET % (excl. bonus)
|
|
£40,000 +
|
n/a
|
0.50
|
0.50
|
n/a
|
|
£27,000 +
|
n/a
|
0.30
|
0.30
|
n/a
|
|
£1 +
|
n/a
|
0.10
|
0.10
|
n/a
|
Rates are variable and effective from 1st April 2009.
Direct ISA issue 1
Annually
|
Tier
|
AER % (incl. bonus*) tax free
|
AER % (excl. bonus) tax free
|
Gross % (excl. bonus)
|
NET % (excl. bonus)
|
|
£40,000 +
|
n/a
|
0.50
|
0.50
|
n/a
|
|
£9,000 +
|
n/a
|
0.30
|
0.30
|
n/a
|
|
£1 +
|
n/a
|
0.15
|
0.15
|
n/a
|
Rates are variable and effective from 1st April 2009.
Direct ISA issue 2
Annually
|
Tier
|
AER % (incl. bonus*) tax free
|
AER % (excl. bonus) tax free
|
Gross % (excl. bonus)
|
NET % (excl. bonus)
|
|
£40,000 +
|
1.50
|
0.50
|
0.50
|
n/a
|
| £9,000 + |
1.30
|
0.30
|
0.30
|
n/a
|
|
£1 +
|
1.30
|
0.10
|
0.10
|
n/a
|
Rates are variable and effective from 1st April 2009.
* Includes a variable rate bonus for the first 13 months, which is currently up to 1.20% gross/AER. After 13 months rates revert to up to 0.50% AER tax free variable, depending on account balance.
Direct ISA (issue 3)
|
Tier
|
AER % (incl. bonus*)
|
AER % (excl. bonus)
|
Gross % (excl. bonus)
|
NET % (excl. bonus)
|
|
£9,000 plus
|
3.00
|
1.00
|
1.00
|
n/a
|
|
£1 plus
|
2.00
|
0.50
|
0.50
|
n/a
|
Rates are variable and effective from 1st March 2009.
* Includes a variable bonus rate for the first 12 months, which is currently 1.50% AER tax free, depending on account balance.
Direct ISA (issue 6)
|
Tier
|
AER % (incl. bonus)
tax free
|
AER % (excl. bonus)
tax free
|
Tax free % (excl. bonus)
|
Tax free % (incl. bonus)
|
|
£9,000 plus
|
2.75
|
0.50
|
0.50
|
2.75
|
|
£1 +
|
2.00
|
0.50
|
0.50
|
2.00
|
Rates are variable and effective from 11 February 2010.
Super ISA (Issue 1)
Annually
|
Tier
|
AER % (incl. bonus*) tax free
|
AER % (excl. bonus) tax free
|
Gross % (excl. bonus)
|
NET % (excl. bonus)
|
|
£40,000 +
|
n/a
|
0.50
|
0.50
|
n/a
|
|
£9,000 +
|
n/a
|
0.30
|
0.30
|
n/a
|
|
£1 +
|
n/a
|
0.15
|
0.15
|
n/a
|
Rates are variable and effective from 1st April 2009.
Super ISA (Issue 2)
Annually
|
Tier
|
AER % (incl. bonus*) tax free
|
AER % (excl. bonus) tax free
|
Gross % (excl. bonus)
|
NET % (excl. bonus)
|
|
£1 +
|
n/a
|
5.25
|
5.25
|
n/a
|
Rates are variable and effective from 1st April 2009.
Super ISA (Issue 3)
Annually
|
Tier
|
AER % (incl. bonus*) tax free
|
AER % (excl. bonus) tax free
|
Gross % (excl. bonus)
|
NET % (excl. bonus)
|
|
£1 +
|
n/a
|
3.25
|
3.25
|
n/a
|
Rates are variable and effective from 1st April 2009.
*Default to Direct ISA (Issue 2) without bonus rate after 13 months.
Super Direct ISA (Issue 4)
|
Tier
|
AER % (incl. bonus*) tax free
|
AER % (excl. bonus) tax free
|
Gross % (excl. bonus)
|
NET % (excl. bonus)
|
|
£1 +
|
n/a
|
5.50
|
5.50
|
n/a
|
Rates are variable and effective from 23rd February 2009.
*Default to Direct ISA (Issue 3) without bonus rate after 12 months
Inscape Tessa - only ISA
Annually
|
Tier
|
AER % (incl. bonus*) tax free
|
AER % (excl. bonus) tax free
|
Gross %(excl. bonus)
|
NET % (excl. bonus)
|
|
£9,000 +
|
n/a
|
0.60
|
0.60
|
n/a
|
|
£6,000 +
|
n/a
|
0.35
|
0.35
|
n/a
|
|
£10 +
|
n/a
|
0.10
|
0.10
|
n/a
|
Rates are variable and effective from 1st April 2009.
TOISA
Annual
|
Tier
|
AER % (incl. bonus*) tax free
|
AER % (excl. bonus) tax free
|
Gross % (excl. bonus)
|
NET % (excl. bonus)
|
|
£40,000 +
|
n/a
|
0.50
|
0.50
|
n/a
|
|
£27,000 +
|
n/a
|
0.30
|
0.30
|
n/a
|
|
£1
|
n/a
|
0.10
|
0.10
|
n/a
|
Rates are variable and effective from 1st April 2009.
Bonus ISA Saver (Issues 1 and 2)
|
Tier
|
AER % (incl. bonus*) tax free
|
AER % (excl. bonus) tax free
|
Gross % (excl. bonus)
|
NET % (excl. bonus)
|
|
£1 +
|
2.00
|
1.00
|
1.00
|
n/a
|
|
£9,000 +
|
2.50
|
1.00
|
1.00
|
n/a
|
1 year Fixed Rate ISA (Issue 10)
|
Tier
|
AER % (incl. bonus*) tax free
|
AER % (excl. bonus) tax free
|
Gross % (excl. bonus)
|
NET % (excl. bonus)
|
|
£3,600 +
|
n/a
|
3.00
|
3.00
|
n/a
|
1 year Fixed Rate ISA
|
Tier
|
AER % (incl. bonus*) tax free
|
AER % (excl. bonus) tax free
|
Gross % (excl. bonus)
|
NET % (excl. bonus)
|
|
£3,600 +
|
n/a
|
2.80
|
2.80
|
n/a
|
ISA Saver
|
Tier
|
AER % (incl. bonus*) tax free
|
AER % (excl. bonus) tax free
|
Gross % (excl. bonus)
|
NET % (excl. bonus)
|
|
£40,000 +
|
n/a
|
0.50
|
0.50
|
n/a
|
|
£27,000 +
|
n/a
|
0.30
|
0.30
|
n/a
|
|
£1 +
|
n/a
|
0.10
|
0.10
|
n/a
|
Good For Life’ ISA
|
Tier
|
AER % (incl. bonus*) tax free
|
AER % (excl. bonus) tax free
|
Gross % (excl. bonus)
|
NET % (excl. bonus)
|
|
£1 +
|
n/a
|
0.50
|
0.50
|
n/a
|
ISA Capital Saver
|
Tier
|
AER % (incl. bonus*) tax free
|
AER % (excl. bonus) tax free
|
Gross % (excl. bonus)
|
NET % (excl. bonus)
|
|
£500 +
|
n/a
|
0.35
|
0.35
|
n/a
|
|
£40,000 +
|
n/a
|
0.50
|
0.50
|
n/a
|
If you hold an online savings account, opened with Bradford and Bingley, you can find rate information here.
Further Savings Rates
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