Cash ISA rates

Balance Interest paid annually tax free/AER
£1 - £9,999 0.75%
£10,000 1.00%

These interest rates are correct as at 01/07/2014. Interest is paid annually on 31 March. We issue statements annually.

If you would like to move other ISAs to us, once we have your completed ISA transfer authority form, we’ll ask your existing provider to transfer the money to us. We’ll pay interest at your new ISA rate from the day your money leaves your existing account, ensuring you earn interest everyday of the transfer process. If you ask to transfer your existing ISA to us, the process should not take more than 15 working days to complete. If you ask to transfer your existing stocks and shares ISA to us, the process should not take more than 30 days to complete.

Explanation of terms

AER stands for Annual Equivalent Rate. It illustrates what your interest rate would be if interest was paid and compounded each year and allows you to easily compare different savings accounts. As every advertisement for a savings product, which quotes an interest rate, will contain an AER you will be able to compare more easily what return you can expect from your savings over time.

Gross rate means that credit interest is paid without income tax being deducted. You can receive your interest paid gross if you are a non-tax payer and have completed an HMRC R85 form.

Tax-free is the contractual rate of interest payable where interest is exempt from income tax.

Net rate is the rate of interest the account pays after lower rate tax has been deducted. If you are a non-taxpayer, you can reclaim the tax by completing an HMRC R85 form. As the rate of tax may vary, the net rate is given for illustration only and is rounded to two decimal places.


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