Up to 2.10% tax-freeTax-free means the interest paid will be free from Income Tax and Capital Gains Tax. The tax advantages depend on your individual circumstances and the tax treatment of your ISA may change in the future./AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. fixed
Get a great rate for a term of your choice - one, two or three years.
Key features:
- Tax-freeTax-free means the interest paid will be free from Income Tax and Capital Gains Tax. The tax advantages depend on your individual circumstances and the tax treatment of your ISA may change in the future.: pay no tax on the interest you earn
- A great tax-freeTax-free means the interest paid will be free from Income Tax and Capital Gains Tax. The tax advantages depend on your individual circumstances and the tax treatment of your ISA may change in the future. savings rate: know exactly how much interest you’ll earn
- A choice of fixed terms: choose the term that suits you
Fixed Rate Cash ISA is provided by Family Investments. Money in Post Office Cash ISAs is deposited with Bank of Ireland UK.
The tax advantages of the Fixed Rate Cash ISA depend on your individual circumstances and the tax treatment may change in the future.
Other features of this ISAAn ISA is an Individual Savings Account. They are a tax-efficient way to save money as you pay no tax on the money you put into an ISA or the interest you earn. There are two types of ISA – cash ISAs with a fixed or a variable interest rate. And stocks and shares ISAs where your money is usually invested in stocks and shares. You can invest up to £11,520 in an ISA in the 2013-14 tax year (6th April to 5th April). Up to £5,760 of this can be invested in a cash ISA (subject to any stocks and shares ISA contributions). You can only invest in one cash ISA and one stocks and shares ISA in each tax year. include:
- It’s easy to start saving: open with just £500
- Accepts transfers-in
How it works
You pick the term you’d like to save for. Choose from:
- 1 year at 1.90% tax-freeTax-free means the interest paid will be free from Income Tax and Capital Gains Tax. The tax advantages depend on your individual circumstances and the tax treatment of your ISA may change in the future./AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. fixed
- 2 years at 2.00% tax-freeTax-free means the interest paid will be free from Income Tax and Capital Gains Tax. The tax advantages depend on your individual circumstances and the tax treatment of your ISA may change in the future./AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. fixed
- 3 years at 2.10% tax-freeTax-free means the interest paid will be free from Income Tax and Capital Gains Tax. The tax advantages depend on your individual circumstances and the tax treatment of your ISA may change in the future./AERAER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year. fixed
You decide how you’d like to invest:
a) Use this tax year allowance – from £500 up to £5,760 (subject to any stocks and shares ISAAn ISA is an Individual Savings Account. They are a tax-efficient way to save money as you pay no tax on the money you put into an ISA or the interest you earn. There are two types of ISA – cash ISAs with a fixed or a variable interest rate. And stocks and shares ISAs where your money is usually invested in stocks and shares. You can invest up to £11,520 in an ISA in the 2013-14 tax year (6th April to 5th April). Up to £5,760 of this can be invested in a cash ISA (subject to any stocks and shares ISA contributions). You can only invest in one cash ISA and one stocks and shares ISA in each tax year. contributions). Investing in a cash ISAAn ISA is an Individual Savings Account. They are a tax-efficient way to save money as you pay no tax on the money you put into an ISA or the interest you earn. There are two types of ISA – cash ISAs with a fixed or a variable interest rate. And stocks and shares ISAs where your money is usually invested in stocks and shares. You can invest up to £11,520 in an ISA in the 2013-14 tax year (6th April to 5th April). Up to £5,760 of this can be invested in a cash ISA (subject to any stocks and shares ISA contributions). You can only invest in one cash ISA and one stocks and shares ISA in each tax year. wil reduce the amount that can be invested in a stocks and shares isaAn ISA is an Individual Savings Account. They are a tax-efficient way to save money as you pay no tax on the money you put into an ISA or the interest you earn. There are two types of ISA – cash ISAs with a fixed or a variable interest rate. And stocks and shares ISAs where your money is usually invested in stocks and shares. You can invest up to £11,520 in an ISA in the 2013-14 tax year (6th April to 5th April). Up to £5,760 of this can be invested in a cash ISA (subject to any stocks and shares ISA contributions). You can only invest in one cash ISA and one stocks and shares ISA in each tax year..
Or
b) Transfer a cash ISAAn ISA is an Individual Savings Account. They are a tax-efficient way to save money as you pay no tax on the money you put into an ISA or the interest you earn. There are two types of ISA – cash ISAs with a fixed or a variable interest rate. And stocks and shares ISAs where your money is usually invested in stocks and shares. You can invest up to £11,520 in an ISA in the 2013-14 tax year (6th April to 5th April). Up to £5,760 of this can be invested in a cash ISA (subject to any stocks and shares ISA contributions). You can only invest in one cash ISA and one stocks and shares ISA in each tax year. held with another provider – there is no upper limit to the value of cash ISAAn ISA is an Individual Savings Account. They are a tax-efficient way to save money as you pay no tax on the money you put into an ISA or the interest you earn. There are two types of ISA – cash ISAs with a fixed or a variable interest rate. And stocks and shares ISAs where your money is usually invested in stocks and shares. You can invest up to £11,520 in an ISA in the 2013-14 tax year (6th April to 5th April). Up to £5,760 of this can be invested in a cash ISA (subject to any stocks and shares ISA contributions). You can only invest in one cash ISA and one stocks and shares ISA in each tax year. you can transfer but it must be at least £500. Before making a decision to transfer your cash ISAAn ISA is an Individual Savings Account. They are a tax-efficient way to save money as you pay no tax on the money you put into an ISA or the interest you earn. There are two types of ISA – cash ISAs with a fixed or a variable interest rate. And stocks and shares ISAs where your money is usually invested in stocks and shares. You can invest up to £11,520 in an ISA in the 2013-14 tax year (6th April to 5th April). Up to £5,760 of this can be invested in a cash ISA (subject to any stocks and shares ISA contributions). You can only invest in one cash ISA and one stocks and shares ISA in each tax year. to us, you should check whether your current provider will charge a fee.
Watch your savings grow – interest will be paid annually, on the anniversary of the account opening.
Need your money before the end of the term? No additional deposits or withdrawals during the fixed term. If you need to access your money during the fixed term you will need to transfer to another provider or close your account. If you close your ISAAn ISA is an Individual Savings Account. They are a tax-efficient way to save money as you pay no tax on the money you put into an ISA or the interest you earn. There are two types of ISA – cash ISAs with a fixed or a variable interest rate. And stocks and shares ISAs where your money is usually invested in stocks and shares. You can invest up to £11,520 in an ISA in the 2013-14 tax year (6th April to 5th April). Up to £5,760 of this can be invested in a cash ISA (subject to any stocks and shares ISA contributions). You can only invest in one cash ISA and one stocks and shares ISA in each tax year., your money will not benefit from the tax advantages of ISAsAn ISA is an Individual Savings Account. They are a tax-efficient way to save money as you pay no tax on the money you put into an ISA or the interest you earn. There are two types of ISA – cash ISAs with a fixed or a variable interest rate. And stocks and shares ISAs where your money is usually invested in stocks and shares. You can invest up to £11,280 in an ISA in the 2012-13 tax year (6th April to 5th April). Up to £5,640 of this can be invested in a cash ISA (subject to any stocks and shares ISA contributions). You can only invest in one cash ISA and one stocks and shares ISA in each tax year. in the future. Early closure or transfer is subject to a breakage charge – if the interest you’ve earned doesn’t cover this, you may get back less than you put in (see summary box - withdrawals arrangement).
Is this ISA right for you?
| Right for you if |
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| Try something else if |
Take a look at our other savings options including our Premier Cash ISA |
To apply call 0800Calls to 0800 numbers are normally free from UK landlines but charges may apply from mobile phones. Calls may be monitored or recorded for training and compliance purposes.
169 7500 to request an application form. Complete your application form, date and sign it and bring it into any Post Office branch or post it to us. You’ll need to be over 16 and a UK resident. If you’re under 18 you’ll also need to provide ID. Call us to find out what ID we accept.
Your savings are protected by the Financial Services Compensation Scheme. Find out how your savings are protected.
Definitions
Tax free: Tax-free means the interest paid will be free from Income Tax and Capital Gains Tax. The tax advantages depend on your individual circumstances and the tax treatment of your ISA may change in the future.
AER: AER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded once each year.
ISA: An ISA is an Individual Savings Account. They are a tax-efficient way to save money as you pay no tax on the money you put into an ISA or the interest you earn. There are two types of ISA – cash ISAs with a fixed or a variable interest rate. And stocks and shares ISAs where your money is usually invested in stocks and shares. You can invest up to £11,520 in an ISA in the 2013-14 tax year (6th April to 5th April). Up to £5,760 of this can be invested in a cash ISA (subject to any stocks and shares ISA contributions). You can only invest in one cash ISA and one stocks and shares ISA in each tax year.
0800: Calls to 0800 numbers are normally free from UK landlines but charges may apply from mobile phones. Calls may be monitored or recorded for training and compliance purposes.
0845: Local call rates apply. Call costs may vary depending on your service provider. Calls may be monitored or recorded for training purposes.
Variable: A variable rate of interest can go up or down throughout the lifetime of a savings account.
Tax-efficient: Return will be free of Income Tax and Capital Gains Tax.
Nominated Account: A Nominated Account is a current account that we link to your savings account so that you can transfer money between accounts safely and securely whenever you like. It should be a UK personal bank or building society account in your name(s) that accepts Direct Debits.
