Savings and ISA accounts

We pay a variable rate of interest on this ISA, as shown in the table below.

• Interest is paid annually or monthly on the key date, which is a date that you can choose in line with the conditions. You must have the same key date for all the jars in your Intelligent Finance plan.

Yes. We can move the interest rate up or down at any time. For example when the Bank of England base rate changes we will review our rates. We will tell you in advance, your conditions explain when and how we will do this.

Below is an example of what the future balance might be, after interest has been paid.

This example assumes that:

• you don't withdraw any money and interest isn’t paid out of the ISA;
• the interest rate stays the same;
• you make your initial deposit payment on the day you open the ISA and you don't make any further deposits.

• You can open jars over the phone.
• You can open and manage your ISA by phone and online.
• You can only open an ISA in a sole name.
• You must be 18 or over and a UK resident for tax purposes.
• The minimum opening deposit is £1.
• The yearly ISA allowance applies, which means the maximum you can subscribe into a cash ISA is £20,000 in this tax year less any amounts invested in any combination of permitted ISAs within the same tax year. You can also transfer an existing ISA to us.

• Yes. You can make withdrawals from your jar.
• If you choose to close the ISA and move the money to a non-ISA, the savings will lose their tax-free status. Tax treatment depends on your individual circumstances and may change in future.
  

• Tax free is the contractual rate of interest payable where interest is exempt from income tax.
• AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. As every advertisement for a savings product which quotes an interest rate will include an AER, it makes it easier for you to compare what return you can expect from your savings over time.

You can pay £20,000 in to a Cash ISA in this tax year. If you are the spouse or civil partner of a deceased ISA holder (with Intelligent Finance or another ISA provider) you may also qualify for an additional permitted subscription allowance. You have to be 18 or over to use an additional permitted subscription allowance in an Intelligent Finance ISA.

If you have used your ISA allowance in full, any money withdrawn cannot be replaced in the same tax year.

An ISA can be a cash ISA, a stocks and shares ISA, an innovative finance ISA, or a lifetime ISA. ISAs can also be flexible. Please note that your Intelligent Finance Cash ISA, is not flexible.

We pay a variable rate of interest on this jar, as shown in the table below.

• Interest is paid annually or monthly on the key date, which is a date you can choose in line with the conditions. You must have the same key date for all the jars in your Intelligent Finance plan.

Yes. We can move the interest rate up or down at any time. For example when the Bank of England base rate changes we will review our rates. We will tell you in your conditions and explain when and how we will do this.

Below is an example of what the future balance might be, after interest has been paid.

This example assumes that:

• you don’t withdraw any money and interest isn’t paid out of the jar;
• the interest rate stays the same;
• you make your initial deposit payment on the day you open the jar and you don’t make any further deposits.

• You can open jars over the phone.
• You can open and manage your jar online.
• This jar can only be opened in a sole name.
• You must be 16 or over and a UK resident.
• The minimum opening deposit is £1.
  
  

• Yes. You can make withdrawals from your jar.
• You can close your jar at any time.
  

• Online access only unless directed by us to do otherwise.
• Gross rate means we will not deduct tax automatically from the interest we pay on money in your account. It is your responsibility to pay any tax you may owe to HM Revenue & Customs (HMRC).
• AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. As every advertisement for a savings product which quotes an interest rate will include an AER, it makes it easier for you to compare what return you can expect from your savings over time.
  

We pay a variable rate of interest on this jar, as shown in the table below.

• Interest is paid either annually or monthly on the key date, which is a date that you can choose in line with the conditions. You must have the same key date for all jars in your Intelligent Finance plan.

Yes. We can move the interest rate up or down at any time. For example when the Bank of England base rate changes we will review our rates. We will tell you in your conditions and explain when and how we will do this.

Below is an example of what the future balance might be, after interest has been paid.

This example assumes that:

• you don’t withdraw any money and interest isn’t paid out of the jar;
• the interest rate stays the same;
• you make your initial deposit payment on the day you open the jar and you don’t make any further deposits;
• interest is paid annually.

• You can open jars over the phone.
• You can open and manage your jar online or by phone.
• This jar can be opened in sole or joint names.
• You must be 16 or over and a UK resident.
• The minimum opening deposit is £1.

• Yes. You can make withdrawals from your jar.
• You can close your jar at any time.
  

• Gross rate means we will not deduct tax automatically from the interest we pay on money in your jar. It is your responsibility to pay any tax you may owe to HM Revenue and Customs (HMRC)
• AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. As every advertisement for a savings product which quotes an interest rate will include an AER, it makes it easier for you to compare what return you can expect from your savings over time.