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Flexi Cash ISA

Instant access and tax free* growth

Our Flexi Cash ISA is a flexible Cash ISA where you have immediate access to your money without charge.

Any subscriptions you make in the current tax year can be withdrawn and replaced without the replacement money counting towards your annual subscription limit.

The replacement money has to be paid back into your ISA in the same tax year it is withdrawn or you will lose the ability to replace it. Interest is earned tax free*.

Anyone aged 16 years or over is eligible to apply for a Cash ISA, must be resident or ordinarily resident in the United Kingdom and hold a National Insurance number (If you do not know it, you should be able to find your NI number on a payslip, form P45 or P60, a letter from the HM Revenue & Customs, a letter from the DWP, or pension order book). If you do not have a National Insurance number please call us to discuss.

Main features
  • The overall ISA limit for 2017/2018 is £20,000 with the option to save all or some of the full allowance in cash. You can put money into one cash ISA, one stocks and shares ISA, and one innovative finance ISA each tax year. You can save up to £20,000 in one type of account or split the allowance across two or three types.
  • The more you save, the higher the interest rate you could earn, with our tiered rates.
  • Your money is not tied up and you can take your money out of a Flexi Cash ISA at any time without losing any tax benefits.

    Where a withdrawal takes place before the cut-off time on any business day, adjustment of your remaining ISA allowance will not be made until the following business day.

    Where a withdrawal takes place after the cut-off time on any business day or at any time on a day which is not a business day, adjustment of your remaining ISA allowance will take place two business days later.

    You can ask for the cut-off times which apply to your payments at your nearest branch or by calling 0800 012 1111.

  • You can transfer any existing cash ISAs from other providers
  • Flexible saving - from a minimum of £10, you can save with regular payments, one-off deposits, or both (up to your annual limit of £20,000)
  • Annual interest is paid directly into your account. See Cash ISA tariff
  • You can carry out transactions online, by phone, and at your local branch

View savings product summary box

How to apply

Compare all our savings accounts

Apply online at the foot of this page

Online applicants must be 18 years or over.

Apply in person at any one of our branches

Apply by phone

Monday to Friday 8:00am-8:00pm
Saturday 9:00am-5:00pm
Sunday 10:00am-4:00pm

Top-up your existing Cash ISA

Important information

Anyone aged 16 years or over is eligible to apply for a Cash ISA. You must be resident or ordinarily resident in the United Kingdom for tax purposes and hold a National Insurance Number.

The value of any tax benefits to you depends on your individual circumstances, the Law and Her Majesty's Revenue and Customs (HMRC) practice which are subject to change. The proceeds of an ISA are currently free from UK Income Tax and Capital Gains Tax,provided all ISA conditions are met.

* Tax free means interest payable is exempt from income tax.

Already started an application?

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