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ISAs

Make the most of your tax-free savings

Interest paid on a cash ISA is tax free. The annual ISA allowance for 2014/15 tax year is £15,000, which can be paid into a cash ISA, a stocks and shares ISA or a combination of the two. The favourable tax treatment of ISAs may change in the future.

Fixed rate ISAs

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A guaranteed return on your savings:

  • Earn a tax-free fixed rate of interest for 2 years.

  • Save from £500 up to your annual ISA allowance.

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

 

 

Find out more

Direct ISA Saver

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An online account with instant access to your money

  • Earn a tax-free (variable) rate of interest for 12 months on balances from £1.

  • Minimum opening deposit of £500.

  • Online, mobile or telephone access.

Find out more

Easy ISA

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A straightforward account with flexible, easy access

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

  • Save from £1 up to your annual ISA allowance.

  • Online, mobile, branch or telephone access. 

Find out more


Already funded your 2014/15 ISA?

Financial Services Compensation Scheme

If you've used your 2014/15 cash ISA allowance, check out our range of Savings accounts.

Savings accounts

Compare all cash ISA and Savings accounts

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

 

 

 

Compare all accounts

Frequently asked questions

  • 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.

    If you hold an online savings account, opened with Bradford and Bingley, you can find rate information here.

  • For the current tax year, 2014/15, you will be able to save up to £15,000 which can be paid into a cash ISA, a stocks and shares ISA or a combination of the two.

  • If it's a Cash ISA you want to transfer, simply download the Cash ISA transfer in application form. Alternatively, you can request the form via telephone on 0845 600 0181 or in 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.

  • 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.

    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 08459 724 724. Lines open 7am to 11pm Monday to Saturday and 8am to 10pm Sundays.

    3. In branch:

    • Complete a change of details form by
      • Printing off and completing the Change of details form *
      • Requesting a copy of the form by calling us on 08459 724 724. 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 08459 724 724 and we will be happy to help. Lines open 7am to 11pm Monday to Saturday and 8am to 10pm Sundays.

    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.

  • 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.

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