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Cash ISAs

Make the most of your ISA allowance

Interest paid on a cash ISA is tax free. The annual ISA limit for the 2016/2017 tax year is £15,240, which can be paid into a cash ISA, a stocks and shares ISA and an innovative finance ISA or a combination of the three. You can pay up to the annual ISA limit into our cash ISAs or, for some, the amount detailed in the specific account terms and conditions.

The favourable tax treatment of ISAs may change in the future.

2 Year Fixed Rate ISA

A guaranteed rate on your savings for 2 years

  • 1.00% AER/tax-free (fixed)

  • 1.25% AER/tax-free (fixed) for 1|2|3 World or Santander Select customers.

  • Minimum opening deposit of £500. No partial withdrawals permitted.

  • On early closure, a penalty equivalent to 120 days' interest applies.

Find out more


An online account with instant access to your money

  • 0.80% AER/tax-free (variable) for 12 months

  • 1.00% AER/tax-free (variable) for 12 months for 1|2|3 World or Santander Select customers.

  • Minimum opening deposit of £500, interest applies to balances from £1.

  • Manage your account through Online and Mobile Banking.

Find out more

Easy ISA

A straightforward account with instant access

  • 0.10% AER/tax-free (variable) on balances from £1.

  • 0.50% AER/tax-free (variable) on balances from £40,000.

  • Manage your account through online, mobile, branch or telephone.

Find out more

Help to Buy: ISA

A tax-free savings account for first time buyers

  • 2.00% AER/tax-free (variable).

  • 2.50% AER/tax-free (variable) for 1|2|3 World or Santander Select customers.

  • Regular savings can be made up to £200 a month following an initial deposit up to £1,200.

  • Eligible for government bonus of 25% on balances from £1,600.

Find out more

Junior ISA

A long term tax-free savings account for children under 18

  • 2.50% AER/tax-free (variable).

  • 3.00% AER/tax-free (variable) for 1|2|3 World or Santander Select customers.

  • No withdrawals or closures are allowed until the account matures on the child's 18th birthday.

  • Junior ISA transfers between providers are allowed at any time.

Find out more about Junior ISA

Important Changes

From 6 April 2016, the government is introducing the Personal Savings Allowance and some changes to ISAs.

We’ve produced a video to help you understand the changes. Take a look here.

Find out more

Compare all cash ISA and Savings accounts

See all of our cash ISA and Savings accounts side by side for easy comparison.




Compare all accounts

Inheritance ISA

If you are the spouse or civil partner of Individual Savings Accounts (ISA) savers who died on or after 3 December 2014, this account will enable you to benefit from an additional ISA allowance known as an Additional Permitted Subscription (APS).

Find out more about Instandt Saver (for APS)

Frequently asked questions

  • If it's a Cash ISA you want to transfer from another provider, simply complete and submit the Cash ISA transfer form. Alternatively, you can visit your local Santander branch. Some of our ISAs may not allow transfers in so please check the terms and conditions.


    Once we've received the completed form from you, we'll need to contact your existing provider, so please allow up to 15 days for a Cash ISA transfer to take place, starting from when we have received the transfer form. 


    To transfer your Santander Cash ISA to another provider, you will need to contact your new ISA provider.


    If you hold more than one Santander cash ISA, you can use the Santander Cash ISA Transfer Form (pdf), to combine any balances into a single cash ISA. If you are transferring in to a Fixed rate ISA with us, we need to receive your transfer application within 14 days of account opening.

  • To find your savings interest rate you can use our Interest Rate Finder.

    If you hold a Fast Access, SIPP Fast Access, Special Reserve, Cash ISA (TOISA), Retirement Investment Account (ANRIA), Santander Shareholder Account, Treasurers Instant Saver or Charity Investment Account, details of your interest rates can be found here.

  • For the tax year 2016/17 you will be able to save up to £15,240 which can be paid into a cash ISA, a stocks and shares ISA, an innovative finance ISA or any combination of the three. Take a look at our information pages to learn more


    The government have announced that the ISA limit for the 2017/18 tax year will be increased to £20,000.

  • The easiest way to change your address and contact details (including your telephone number and email address) is to do it via Online Banking. It will be changed instantly.

    If you have a joint account you can only change your own name and/or address within Online Banking. If both names and/or addresses need to be changed, both account holders must log on to their own Online Banking and change their own details.

    You can also change it by telephone or in branch.

    1. Online Banking (instant):

      Log on and update your details instantly from within the "My Details & Settings" tab.

      • Choose 'Change personal details' from the left hand menu and then click 'Change address'.

      • Enter your new details (including postcode) and follow the onscreen instructions.

      • Please note: You will need to enter a One Time Passcode (OTP) to complete this change, so make sure you have your mobile phone to hand.

    2. By telephone (for current account and savings customers):

      • Call our Telephone Banking line on 0800 9 123 123. Lines open 7am to 11pmMonday to Saturday and 8am to 10pmSundays.

    3. In branch:

      • Complete a change of details form by

        • Printing off and completing the Change of details form (pdf) *

        • Requesting a copy of the form by calling us on 0800 9 123 123. Lines open 7am-11pm Monday to Saturday and 8am-10pm on Sundays.

        • Collect a form from your local branch.

      • Take the form to your local branch together with relevant account documentation:

        • Your cash card, passbook or certificate and;

        • Signature bearing identification such as a full UK driving licence or valid EEA passport (this includes UK passport).

    If you would like to discuss our identification requirements please call us on 0800 9 123 123 and we will be happy to help. Lines open 7am to 11pm Monday to Saturday and 8am to 10pmSundays.

    Important information for customers with alerts: If you have Account alerts set up on your account and you want these to be sent to your updated telephone number and/or email address, then you will need to amend your alerts via the 'Account Services' tab in Online Banking as they are not automatically updated when you change your details.

    * To open these documents you will need to have Adobe Reader. If you don't already have Adobe Reader you can download it for free

  • All our ISAs allow access to your money but there may be restrictions or charges that vary depending on which ISA it is that you hold.
    Be aware that if you take money out, and you wish to put it back later, this will count against your annual ISA allowance for that tax year. This means that if you have already used up your annual ISA allowance, any money you take out cannot then be put back in during the same tax year.


    From 6 April 2016 Santander cash ISAs will continue to work as they do today, we will not be offering additional flexibility but some providers will be changing the way in which their ISAs work. Take a look at our information pages to learn more.

  • Can't find what you are looking for? More help can be found at on the ISA FAQs page.

AER explained
AER stands for Annual Equivalent Rate and shows what the interest rate would be if we paid interest and added it to your account each year.

Tax-Free explained
The tax-free rate is the rate of interest payable where interest is exempt from income tax. The favourable tax treatment of ISAs may change in the future.

Interest is calculated daily and paid annually.

A Santander 1|2|3 World customer is someone who holds one of our 1|2|3 current accounts, 1|2|3 Credit Card (including additional card holders) or the 1|2|3 Mini Account (in Trust). Trustees are not classed as 1|2|3 World customers. All customers must meet the eligibility for each product and 1|2|3 World offer. Find out more about 1|2|3 World.

To join Santander Select you must have a current account with Santander and meet one of the following criteria: pay your main income of at least £5,000 per month into a Santander current account (excluding transfers from other Santander accounts), or maintain £75,000 in any Santander investment(s), savings or current account, or have a property worth at least £500,000 with a Santander mortgage. Find out more about Santander Select.

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