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Easy ISA

Summary Box

Account name Easy ISA 
What is the interest rate?
AER/tax-free (variable)
£1+ 0.20%
£40,000+ 0.60%

Interest is calculated daily and added to this account annually in March.

Can Santander change the interest rate? Yes, the rate can go up or down e.g. in response to industry and market conditions. If the rate goes down, we’ll let you know around 14 days before the rate changes.
What would the estimated balance be after 12 months based on a £1,000 and a £40,000 deposit?
Balance Interest earned  Balance after 12 months
£1,000  £2.00  £1,002.00
£40,000  £240.00  £40,240.00

Estimates assume that the account is opened and deposit made on 1st March and no change to interest rates.

These illustrations are only examples and don’t take into account individual circumstances.

How do I open and manage my account?

To open the account you must be:

  • a UK resident, account can only be held in single name; and
  • aged 16 or over.


  • Online and Mobile.
  • Visit any Santander branch.

ISA transfers
You can transfer ISAs in and out at any time.

A subscription is any deposit (or payment) made by you into an ISA.
There is no minimum deposit required.

The ISA allowance for the 2018/19 tax year is £20,000.

Deposits can be made at any time via standing order, one-off payments or online transfers.

This Easy ISA is a cash ISA. Please be aware that if you make deposits for the 2018/19 tax year which are less than the full ISA allowance for that tax year, you won't be able to pay into another cash ISA in the same tax year to use the remaining allowance.

You can subscribe your ISA allowance into a cash ISA, a stocks and shares ISA, an innovative finance ISA and a lifetime ISA or a combination of the four. Santander do not offer innovative finance ISAs or lifetime ISAs.

For example, if you subscribe to this Easy ISA you won't also be able to subscribe to one of our other cash ISAs (including fixed rate ISAs, variable rate ISAs and Help to Buy: ISA) this tax year.

A tax year runs from 6th April in one year to 5th April the next.

This product doesn't accept additional permitted subscriptions.

Manage the account

  • Online and Mobile Banking, branch, telephone and cash machines.
  • A cash card can be requested or the account can be linked to an existing Santander card.
  • Statements are issued annually in March. We provide you with information about transactions on your account by posting them to Online Banking for you to view at any time. You can also request this information in branch or by calling us on 0800 9 123 123.
Can I withdraw money?

Yes, withdrawals can be made in Online and Mobile Banking, in branch, over the telephone and at any Santander cash machine.

Any money that you withdraw yourself from your Santander ISA will lose its tax-free status and if repaid back into an ISA, will count towards your current tax year’s ISA limit.

We aren’t offering additional flexibility on ISAs but some providers are offering this feature. Those providers may allow you to replace funds that you have withdrawn with them without affecting the ISA limit.

Additional information

You can cancel the account within 14 days of opening and your money will be returned in full with interest.

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


The Easy ISA is subject to availability and may be withdrawn from sale at any time without notice. Rates and information correct as at 3 September 2018.


Please read the full product details and terms & conditions before applying. Other accounts are available; see our ISA range to find out more


Transferring an ISA from another provider
To transfer in an ISA from another provider please complete one of the forms below. The cash ISA transfer form can be completed and submitted online. If you’re transferring into a Fixed Rate ISA with us, we need to receive your transfer form within 14 days of account opening.

Please consider the following before deciding to transfer your ISA to us:
We don't charge a transfer fee but other providers may. You can transfer some or all the money that you have paid into an ISA in previous tax years. If you wish to transfer money that you have paid into an ISA in the current tax year, you will need to transfer all of the amount you have paid into the ISA in the current tax year. Any money that you withdraw yourself from your ISA will lose its tax free status and if repaid back into an ISA will count towards your current year's ISA allowance. Santander isn't providing advice as to whether transferring your ISA(s) is right for you. Transferring certain types of ISAs could affect the bonus you receive and you could be charged by your existing provider

If you transfer an ISA in full to Santander and have built up previous tax year flexible allowances with your current provider, you will lose that allowance when you move to Santander. If you wish to use the flexible allowance you should re-deposit into your existing ISA before you transfer to Santander.

Cash ISA Transfer Form

Stocks and Shares ISA Transfer Form (pdf)

Innovative Finance ISA Transfer Form (pdf)

Lifetime ISA Transfer Form (pdf)

Transferring an existing cash ISA held with Santander

If you hold more than one Santander cash ISA, using the Santander Cash ISA Transfer Form below, you can simply combine any balances into a single cash ISA.  

Santander Cash ISA Transfer Form (pdf)

Once you have completed the relevant ISA transfer form, please send to the following address.

Any funds withdrawn from your cash ISA without using the above processes will be considered a withdrawal and will lose their tax free status.  If you replace these funds back into an ISA they will count towards your current tax year ISA limit.

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

Please be aware that the ISA manager for Santander cash ISAs is Santander UK plc. For stocks and shares ISAs the manager is Santander ISA Managers Limited. This means that transfers between Santander cash ISAs and Santander stocks and shares ISAs should be treated as transfers between ISA providers.

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

Need a helping hand? Use Send Me the Link to send yourself our mobile apps, videos, guides, & factsheets

Send me the link allows you to send yourself links for our mobile apps, videos, guides, & factsheets which can help you with your Online & Mobile Banking needs. Access Send Me the Link here.

Online Banking
Secure, 24/7 banking. Make payments, view statements and much more. Watch our Online Banking videos to learn more.

Mobile Banking
Bank from anywhere using our apps. For more information find out more.

You can see the interest rate, contributions to date and contributions remaining on your cash ISA in the mobile app - just click on the account when you're in the app.

Learn all about Mobile Banking with our handy demo

Get the app

Telephone Banking
24/7 banking by phone. Speak to an advisor during the day and in the evenings or use our automated service any time of day. Call us on 0800 9 123 123.

You can visit our extensive branch network to speak to one of our advisors.

Cash machines
You can do more than just withdraw cash at our cash machines. For example, pay money or cheques in, pay bills and lots more.

Protect yourself from fraud

It’s very important that you keep your banking details private and secure.

  • Never share a Santander One Time Passcode (OTP) with another person. Not even a Santander employee.
  • Never download software or let anyone log on to your computer or devices remotely during or after a cold call.
  • Never enter your Online Banking details after clicking on a link in an email or text message.

For more information about our approach to security as well as more useful information to help you stop the threat of fraud visit our Security Centre.

Find out more
Online Banking
Mobile Banking
Telephone Banking
Account Alerts
Our video playlists

Everything you need to know before you apply

We recommend reading the information in the documents below before you apply. You may like to save or print them so you can refer to them in the future.

To view these documents, you may need to download Adobe Reader.

Please read full product details and terms & conditions before applying.

You can apply for the Easy ISA if you:

  • are aged 16 or over

  • are a UK resident

You'll need your National Insurance number to hand when you apply. 

If you already have a Santander cash ISA, you can keep your existing account number and sort code by upgrading it.
Existing fixed rate ISAs are eligible to upgrade within 28 days of maturity. A cash ISA upgrade will result in an immediate product change including an updated interest rate which may be lower than the interest rate that you’re currently receiving. Please refer to the product specific terms and conditions for confirmation of the interest rate.

Apply online

Apply now for the Easy ISA. Link opens in a new window

Upgrade to the Easy ISA. Link opens in a new window

Apply in branch
Find your nearest branch or call 0800 085 1553 to make an appointment. Lines are open 8am to 9pm Monday-Friday and 8am to 4pm Saturday.

Rates and information correct as at 3 September 2018.

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.

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.