Access your isa, Any time

AER stands for annual equivalent rate. It shows how much the interest rate would be if the interest was worked out once a year. You can use it to compare different financial products.

Eligibility

You can apply to open an account if:

• You’re aged 16 or over
• You have a National Insurance number
• You’re resident in the UK. You’ll also need to provide proof of your identity and address. If you’re not a UK, EU, EEA or Swiss national you’ll need a valid visa/residence permit. Here’s a list of what you need.

Annual tax free allowance and interest

You can only subscribe to one cash ISA in a tax year. The amount you can save into an ISA in the 2017/18 tax year is £20,000. Interest on your ISA will be paid annually on or around 5th April.

Withdrawals and notice periods

Unlimited access to your money. No notice needed. Funds withdrawn can be replaced in the same tax year.

Transfers in

You can transfer money from an ISA with another bank or building society to our Instant Access Cash ISA. And you’ll earn interest on this money before it even arrives in your account – we start paying interest from the date we receive your transfer request.

This doesn’t apply to transfers from accounts where you have to give notice to take money out. It also doesn’t apply when you’re transferring money from a stocks and shares ISA.

If you want to make a transfer in, you’ll need to do it within 30 days of opening your Instant Access Cash ISA.

You can transfer as many previous years’ funds as you like.

Charges for banking services

We’ll charge you for issuing a banker’s cheque. Each cheque costs £15.

Get all the details to read at your leisure

Download our PDF to read when you like - it contains all the ins and outs of our Instant Access Cash ISA.

Instant Access Cash ISA Details (PDF)(846KB)

Our Service Relationship with Personal Customers (PDF)(1.2MB)