ISAs

You can apply for an ISA online today to make the most of your 2018/2019 ISA allowance before 5 April.

If you’re an existing customer, you can apply quickly and easily by logging on to Online Banking

For the 2018/2019 tax year, your Santander ISA must be opened by 9pm on 5 April 2019. Any contributions to your 2018/2019 ISA allowance must be paid in before midnight on 5 April 2019.

We use electronic methods to identify you. In a small number of cases, where we need to ask for extra ID, we may not be able to open your ISA in time for you to use this year’s allowance, so we recommend applying as early as possible.

The tax treatment of ISAs depends on your circumstances and may change in the future.

2 Year Fixed Rate ISA

A cash ISA that gives you guaranteed interest

1.30% AER/tax-free (fixed)
1.90% AER/tax-free (fixed) for 1|2|3 World or Santander Select customers
This Cash ISA has a term of 26 months
Minimum opening deposit of £500. No partial withdrawals permitted.
On early closure, a penalty equivalent to 120 days' interest applies.

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eISA

An online cash ISA that pays interest with instant access to your money

1.10% AER/tax-free (variable) for 12 months
1.50% 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.

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Easy ISA

Flexible, easy access

0.20% AER/tax-free (variable) on balances from £1.
0.60% AER/tax-free (variable) on balances from £40,000.
Manage your account through online, mobile, branch or telephone.

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Help to Buy: ISA

A tax-free cash ISA for first time home buyers, eligible for a government bonus of 25%

1.75% AER/tax-free (variable).
2.25% 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.

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Junior ISA

A long term tax-free ISA for children under 18

2.75% AER/tax-free (variable).
3.25% 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.

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Inheritance ISA

Additional permitted subscriptions

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).

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Stocks and Shares ISA

A tax-efficient way of holding investments

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 (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 for the medium to long term (five 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.

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Other accounts are available

Savings and Investments range

What's an ISA?

See our guide to ISAs

Our range of Cash ISAs and Stocks & Shares ISAs are a tax-efficient way to save and invest your money