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Your future, your ISA

Planning for the future means saving in the most efficient way you can. Make the most of your tax-free ISA allowance with our range of ISAs designed with you in mind.

There are some changes to the tax treatment of ISAs (not including Junior ISAs) in the event that the account holder dies on or after 6th April 2018. You can find more information in the latest version of your Key Facts Document.

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

See the range of cash ISAs and savings accounts side by side for easy comparison. Compare our range

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123 World Offer

Cash ISAs

We have a range of variable and fixed rate cash ISAs.

2 Year Fixed Rate ISA

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.

123 World Offer

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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.

123 World Offer

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Easy ISA

A straightforward account with instant 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.

  Find out more


Help to Buy: ISA

A tax-free savings account for first time buyers

  • 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.

123 World Offer

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Junior ISA

A long term tax-free savings account 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.

123 World Offer

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Stocks and Shares ISAs

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.  

Find out more

Guide to ISAs

We've put together a short video to help you understand more about saving and investing into ISAs.

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 Inheritance ISA

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, Select Current Account, 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. Please note that the 1|2|3 Credit Card is no longer on sale.

To join Santander Select you must have a Select Current Account and meet one of the following criteria: pay your main income of at least £5,000 per month into a Select Current Account (excluding transfers from other Santander accounts), or keep £75,000 in any Santander investment(s), savings or current account.  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 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.

Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA’s website Santander and the flame logo are registered trademarks.