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Help to Buy: ISA

Instant access account

Save and earn money in one go – that’s what the Help to Buy: ISA account offers.

It’s always good to have support when saving for those big things in life such as buying your first property. Our Help to Buy: ISA account helps you save regular monthly amounts towards a deposit for your first home, whilst earning tax free interest on the amount you save. The government will pay a bonus of 25% on account balances of between £1,600 and £12,000 when you purchase your first home in the UK. Terms and conditions apply.

Anyone aged 16 years or over is eligible to apply for a Help to Buy: 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.

Help to Buy: ISA

  • You must be a first time buyer and never owned a property.
  • Accounts are limited to one per person and you must be 16 years and over.
  • The maximum amount you can subscribe to a Help to Buy: ISA on a monthly basis is £200 per calendar month. If you miss a month you cannot make up these funds any other calendar month.
  • At account opening you can subscribe an additional £1,000 provided it is deposited within the same calendar month. This is in addition to your monthly £200.
  • There is no minimum monthly deposit. Savings of at least £1600 are required to qualify for the minimum government bonus of £400.
  • The government will pay a bonus of 25% on account balances of between £1,600 and £12,000, when you purchase your first home in the UK. (That’s £50 for every £200 you save). This bonus amount is paid directly to the conveyancer and is not released if the house purchase is not completed. Only available for house purchases (opens in a new window) under £250K (or under £450K in London).
  • You can set up regular payments into your account online or at your local branch. Any withdrawals must be made in branch.

Withdrawing from your ISA will reduce your balance saved and impact the bonus the government will pay.

  • Annual interest paid directly into your account.
  • You cannot subscribe to a Cash ISA and a Help to Buy: ISA in the same tax year.
  • You can split your £15,240 ISA subscription allowance across a Help to Buy: ISA, stocks and shares ISA, and innovative finance ISA each tax year, providing you do not exceed the Help to Buy: ISA monthly subscription allowance.
  • The minimum you need to have saved in order for the government to pay the bonus is £1,600 and you will receive a bonus of £400. The maximum bonus payment you can receive is £3,000 (you will have to save £12,000 to receive the maximum bonus).

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.

Transfer an existing Help to Buy: ISA from another provider

  • If you already have a Help to Buy: ISA with another provider, you can transfer it to a Clydesdale Bank Help to Buy: ISA

Find out more on transferring your existing ISA

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

Request a branch appointment
Apply by phone
Call us on
0800 678 1230

(Monday to Friday 8am-8pm,
Saturday 9am-5pm,
Sunday 10am-4pm)


Top-up your existing Cash ISA

Important information

Anyone aged 16 years or over is eligible to apply for a Help to Buy: ISA, must be resident or ordinarily resident in the United Kingdom and hold a National Insurance number.

* Tax free means interest payable is exempt from income tax. AER. Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.

Useful information

Product summary box

Account name Help to Buy: ISA
Interest rates (AERs) Refer to the Cash ISA tariff for personal customers, our website www.cbonline.co.uk or the notice displayed in branch.
Tax Status Tax free – interest is paid gross.
Withdrawal arrangements Funds can be withdrawn at any time, without charge; however please be aware that withdrawing funds from your ISA will mean you are not entitled to claim a bonus in respect of the withdrawn funds. Please refer to your Help To Buy: ISA terms and conditions or the Help To Buy: ISA scheme rules, which can be found at www.helptobuy.gov.uk
Conditions for bonus payment Please refer to your Help To Buy: ISA terms and conditions or the Help To Buy: ISA scheme rules, which can be found at www.helptobuy.gov.uk
Access Branch / post / telephone - 0800 345 7 365

Already started an application?

Login to retrieve your Help to Buy: ISA account application

If you completed the username and password section of your application, then we'll have automatically saved it for you. You can now log in to complete your application or retrieve your decision. If you're not sure what your login details are, or you can't get online for some reason, please give us a call on 0800 678 1230.

Retrieve your application (opens in a new window)