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1|2|3 2 Year Fixed Rate ISA

1|2|3 Current Account, 1|2|3 Credit Card or Santander Select customers will earn a rate of 2.00% AER tax free (fixed) for balances from £500.

You can save from £500 up to your annual ISA allowance –  You can open the account with a zero balance if you are transferring in existing ISAs with a balance of at least £500.

You manage the account using  branch or telephone banking. You will be able to view the account online. Please note, during the fixed term transactions are limited to full closure or transfer out.

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

To apply for a 1|2|3 2 Year Fixed Rate ISA you must be a UK resident, aged 18 or over, and:

  • hold a 1|2|3 Current Account, or

  • hold a 1|2|3 Credit Card, or

  • be a Santander Select customer.

Interest rates and payments
Interest is calculated daily and added to the account annually on the same date as the maturity date.  Please refer to the product factsheet for the maturity date and further product details.

14-day cancellation period applies

Tax free cash ISAs
Whilst interest is currently paid tax free on cash ISAs, you should be aware that the favourable tax treatment of ISAs may change in the future.

Deposits for 2014/2015 tax year must be made by 31 August 2014. Deposit the 2014/15 allowance up to £15,000 until 31 August 2014. No additional deposits allowed after 31 August 2014

External ISA transfers in are allowed on the condition that the ISA transfer in application is received within 14 days of account opening.

If transferring in an external cash ISA and/or a stocks and shares ISA , the funds in the ISA which you are transferring from must be available to be transferred within 30 days of account opening.

Transfer applications must be received by 31 August if transferring in from a Santander cash ISA. Funds must be available to be transferred at point of request.

Partial withdrawals are not allowed. You can access the whole of your balance by closing the account or by transferring the cash ISA in full to another ISA. On early closure a charge equivalent to 120 days' interest will be applied to the account. If your cash ISA has to be closed because of your death there is no charge.

At maturity this product reverts to an ISA Saver.

The interest rate of an ISA Saver depends on your balance, current rates are:

  • 0.50% AER tax free (variable) for balances of £1+

  • 1.00% AER tax free (variable) for balances of £10,000+

  • 1.50% AER tax free (variable) for balances of £25,000+

If you don't have a 1|2|3 Current Account or 1|2|3 Credit Card and want to find out more, please visit the following pages:

1|2|3 Current Account
1|2|3 Credit Card

The 1|2|3 2 Year Fixed Rate ISA is subject to availability. Rate is fixed and effective from 9 June 2014.

Deposits
Deposits for 2014/2015 tax year must be made by 31 August 2014. Deposit the 2014/15 allowance up to £15,000 until 31 August 2014. No additional deposits allowed after 31 August 2014. Any amounts that you've already paid into a cash ISA or stocks and shares ISA this tax year will count towards the £15,000 ISA allowance.

Transfers
You can transfer in balances from existing ISAs you hold with external ISA providers as long as we receive the ISA transfer form within 14 days of opening.

To transfer in cash ISAs:

  1. Complete a Cash ISA Transfer Form online and then print if off

  2. Sign the form and send to us at: 
    External Cash ISA Transfer Team,
    PO Box 1112,
    9 Nelson Street
    Bradford, BD1 9NR

To transfer in stocks and shares ISAs:

  1. Print off a Stocks and Shares ISA Transfer Form and then complete.

  2. Sign the form and send to us at:
    External Stocks and Shares ISA Transfer Team,
    PO Box 1112,
    9 Nelson Street
    Bradford, BD1 9NR

If you already hold a cash ISA with Santander, you can simply upgrade your account online, in branch or by phone. Your funds will transfer automatically to your new account, and you will keep your existing account number and sort code, to do this:

  1. Upgrade online

If you hold more than one Santander cash ISA, you can simply transfer multiple balances into a single cash ISA, to do this:

  1. Visit any Santander branch or call 0845 600 0181

  2. Alternatively, print off and complete a Cash ISA Internal Transfer Form.

Please return the form to us using the address below:

    ISA Customer Services
    PO Box 1112
    9 Nelson Street
    Bradford, BD1 9NR

 

Your money, your way
You choose how you bank with us.

Online Banking
Secure, 24/7 banking. Make payments, view statements and much more.

Mobile Banking
Bank from anywhere using our apps or by using m.santander.co.uk.
Text me the app

Telephone Banking
24/7 banking by phone. Speak to us during the day and in the evenings or use our automated service any time of day. Call us on 0845 602 1582

Branch
You can visit our extensive branch network to speak to us.

Free text and email alerts
You don’t have to wait for your statement to arrive or to log on to find out something has happened on your account anymore. By setting up the alerts you want in Online Banking we can send you a text or email when it happens – such as when your balance goes above or below a certain amount.

Find out more
Online Banking
Mobile Banking
Telephone Banking
Account Alerts

If you are applying for a 1|2|3 2 Year Fixed Rate ISA online we recommend you save and/or print the documents below. You'll need Adobe Acrobat to view them.

We will always notify you in writing if your Terms and Conditions change. The documents below are the current versions.

Please make sure you read the product terms and conditions, including the product factsheet, before you apply.

You can apply for the 1|2|3 2 Year Fixed Rate ISA if you:

  • are at least 18 years of age

  • are a UK resident

  • are a 1|2|3 Current Account, 1|2|3 Credit Card, or Santander Select customer

You will need your National Insurance number to apply.

Apply today
If you already have a Santander cash ISA
, you can keep your existing account number and sort code by upgrading your cash ISA

Existing fixed rate ISAs are eligible to upgrade within 28 days of maturity. If your cash ISA is due to mature we will have recently sent you a letter confirming the maturity date. Your product details and new interest rate will change with immediate effect following the ISA upgrade being processed. If you do not wish to upgrade your account now, please submit your request at a later date

Upgrade

 

 

If you don't have a Santander cash ISA, or want a new account:

Apply online for a 1|2|3 2 Year Fixed Rate ISA

Apply now

 

 

Apply by phone
Call us on 0800 032 4264. Lines are open 8am to 9pm Monday-Friday and 8am to 4pm Saturday.

Apply in branch
Find your nearest branch or call 0845 604 8039  to make an appointment. Lines are open 8am to 9pm Monday-Friday and 8am-9pm Saturday.

Rates and information correct as at 1 July 2014.

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 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 10pmSundays.

       

    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 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.

  • 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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