An ISA is a tax-efficient way to save or invest. The annual ISA limit for the 2017/2018 tax year is £20,000. This amount can be paid into any combination of permitted ISAs in the same tax year, you can only pay into one of each type of ISA in any one tax year. See our Guide to ISAs page for more information.
The favourable tax treatment of ISAs may change in the future.
We have a range of variable and fixed rate cash ISAs.
A guaranteed rate on your savings for 2 years
0.55% AER/tax-free (fixed)
0.80% 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.
An online account with instant access to your money
0.35% AER/tax-free (variable) for 12 months
0.60% 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.
A straightforward account with instant access
0.10% AER/tax-free (variable) on balances from £1.
0.25% AER/tax-free (variable) on balances from £40,000.
Manage your account through online, mobile, branch or telephone.
A tax-free savings account for first time buyers
1.50% AER/tax-free (variable).
2.00% 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 up to £12,000.
A long term tax-free savings account for children under 18
2.25% AER/tax-free (variable).
2.75% 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.
Depending on your financial goals and plans for the future, if you can afford to put your money away for the medium to long term (usually for five years or more), then you might be interested in investments. They give you the potential to make higher returns over the longer term than saving.
Stocks and Shares ISAs are a tax efficient way to invest giving you the potential for higher returns than savings accounts over the longer term, typically for at least 5 years or more. All investments carry varying degrees of risk to your money.
The value of investments and any income from them can go down as well as up and you may get back less than the full amount you invest.
We've put together a short video to help you understand more about saving and investing into ISAs.
See all of our cash ISA and Savings accounts side by side for easy comparison.
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).
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.
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):
3. In branch:
Complete a change of details form by
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 9pm Monday to Saturday and 8am to 9pm 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.
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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.
Santander ISAs don’t offer additional flexibility. Take a look at our information pages to learn more.
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.
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
Stocks and Shares ISA
The Stocks and Shares ISA is provided by Santander ISA Managers Limited. Registered in Scotland No. SC151605 at 287 St Vincent Street, Glasgow G2 5NB, United Kingdom. Telephone 0800 328 1328. Authorised and regulated by the Financial Conduct Authority. Financial Services Register number 171448