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A Fixed Rate Cash ISA generally offers a higher rate of interest for money that you can afford to put away for a year or more.
The Fixed Rate Cash ISA is available if you wish to take advantage of your ISA allowance for this tax year, or if you wish to transfer an ISA to us. All of the interest you earn is tax free†, and it won’t count towards your Personal Savings Allowance.
Fixed Rate Cash ISAs are limited edition accounts which may be withdrawn from sale at any time without notice, so if you see one you like, don't take too long to apply as there are no guarantees it will still be available the next time you look.
To make sure it's right for you, please read through the Key product details and the Is it for me? sections, together with the General Savings Conditions and the Key Features & Summary Box document which includes the specific conditions for the ISA.
An Easy Access Cash ISA is just the thing for money that you need access to quickly. No fixed periods, no need to give notice, just a simple account where your money earns interest until you need it.
The Easy Access Cash ISA is available if you wish to take advantage of your ISA allowance for this tax year, or if you wish to transfer an ISA to us. All of the interest you earn is tax free†, and it won’t count towards your Personal Savings Allowance.
To make sure it’s right for you, please read through the Key product details and the Is it for me? sections, together with the General Savings Conditions and the Key Features & Summary Box document which includes the specific conditions for the ISA.
To make sure it's the right account for you, please read through the Key product details and the Is it for me? sections, together with the General Savings Conditions and the Key Features & Summary Box document which includes the specific conditions for the account.
Things you need to know about our Fixed Rate Cash ISAs are:
Things you need to know about our Easy Access Cash ISAs are:
This might be the right type of Cash ISA for you if you:
Things you need to know about our Fixed Rate Cash ISAs are:
This might be the right type of Cash ISA for you if you:
Interest will be paid annually on the anniversary of your initial deposit.
Interest is calculated daily at the interest rate for the balance in the Account at the end of that day. As long as you have £5,000 or more in the Account you will receive the variable interest rate for the whole balance in your Account.
You can choose to have your interest paid into your Easy Access Cash ISA - Issue 48 Account, another Charter Savings Bank account held by you (subject to the specific conditions of that account) or your Nominated Account.
Yes, the interest rate is variable for balances of £5,000 and over but fixed for balances below £5,000.
This means that we can vary the interest rate for balances of £5,000 and over for any of the reasons set out in section 20 of the General Savings Conditions (for example to reflect a change in Bank of England Base Rate, a change to our costs, to reflect market conditions or for any other reason at our discretion if we are increasing the interest rate or relying on condition 20.3).
The above examples are for illustrative purposes only, they do not take account of your individual circumstances and make the following assumptions:
Yes, you can make withdrawals from your Account at any time through our website – chartersavingsbank.co.uk. Withdrawals can only be made to your Nominated Account or another Charter Savings Bank account in your name (subject to the conditions of the chosen account).
Please be aware that any amounts you withdraw from this Account will no longer be held in your Cash ISA. This means that any tax benefits in respect of the amount withdrawn will be lost and the money withdrawn cannot be reinstated in your Cash ISA later in that Tax Year without impacting your annual ISA Allowance for that Tax Year.
You can transfer all or part of the money in this Account to another ISA provider at any time. However, please note, if you want to transfer subscriptions made in that Tax Year, you must transfer all of that Tax Year’s Cash ISA with us as it is not possible to transfer only some of the subscriptions made to the ISA in that Tax Year. Charges may be payable on the transfer of any other Cash ISA products you have with us and so you should check the specific conditions for those accounts. You should contact your new ISA provider to make a transfer to them.
Apply now1TAX FREE. The contractual rate of interest payable where interest is exempt from income tax.
*AER: This stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
**GROSS:The interest that you earn on money in your Account before income tax is deducted
The definitions section of our General Savings Conditions define what Nominated Account and Electronic Transfer mean.
Please read this Summary Box in conjunction with the Specific Conditions contained in the Key Features & Summary Box document above, our General Savings Conditions and Tariff of Fees. These together with your Application Form make up our agreement with you.
For more information about our Cash ISA and ISA’s generally please read our ISA Information Booklet.
Interest will be paid one month after your initial deposit into your Account and on that day in every month after that.
Interest is calculated daily at the interest rate for the balance in the Account at the end of that day. As long as you have £5,000 or more in the Account you will receive the variable interest rate for the whole balance in your Account.
You can choose to have your interest paid into your Easy Access Cash ISA - Issue 48 Account, another Charter Savings Bank account held by you (subject to the specific conditions of that account) or your Nominated Account.
Yes, the interest rate is variable for balances of £5,000 and over but fixed for balances below £5,000.
This means that we can vary the interest rate for balances of £5,000 and over for any of the reasons set out in section 20 of the General Savings Conditions (for example to reflect a change in Bank of England Base Rate, a change to our costs, to reflect market conditions or for any other reason at our discretion if we are increasing the interest rate or relying on condition 20.3).
The above examples are for illustrative purposes only, they do not take account of your individual circumstances and make the following assumptions:
Yes, you can make withdrawals from your Account at any time through our website – chartersavingsbank.co.uk. Withdrawals can only be made to your Nominated Account or another Charter Savings Bank account in your name (subject to the conditions of the chosen account).
Please be aware that any amounts you withdraw from this Account will no longer be held in your Cash ISA. This means that any tax benefits in respect of the amount withdrawn will be lost and the money withdrawn cannot be reinstated in your Cash ISA later in that Tax Year without impacting your annual ISA Allowance for that Tax Year.
You can transfer all or part of the money in this Account to another ISA provider at any time. However, please note, if you want to transfer subscriptions made in that Tax Year, you must transfer all of that Tax Year’s Cash ISA with us as it is not possible to transfer only some of the subscriptions made to the ISA in that Tax Year. Charges may be payable on the transfer of any other Cash ISA products you have with us and so you should check the specific conditions for those accounts. You should contact your new ISA provider to make a transfer to them.
Apply now1TAX FREE. The contractual rate of interest payable where interest is exempt from income tax.
*AER: This stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
**GROSS:The interest that you earn on money in your Account before income tax is deducted
The definitions section of our General Savings Conditions define what Nominated Account and Electronic Transfer mean.
Please read this Summary Box in conjunction with the Specific Conditions contained in the Key Features & Summary Box document above, our General Savings Conditions and Tariff of Fees. These together with your Application Form make up our agreement with you.
For more information about our Cash ISA and ISA’s generally please read our ISA Information Booklet.
Interest will be paid one month after your initial deposit into your Account and on that day in every month after that.
Interest is calculated daily at the interest rate for the balance in the Account at the end of that day. As long as you have £5,000 or more in the Account you will receive the variable interest rate for the whole balance in your Account.
You can choose to have your interest paid into your 1 Year Fixed Rate Cash ISA Account, another Charter Savings Bank account held by you (subject to the specific conditions of that account) or your Nominated Account.
No. The interest rate is fixed for 12 months from the date funds are first credited to your 1 Year Fixed Rate Cash ISA (the Fixed Rate Period).
The above examples are for illustrative purposes only, they do not take account of your individual circumstances and make the following assumptions:
1TAX FREE. The contractual rate of interest payable where interest is exempt from income tax.
*AER: This stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
**GROSS:The interest that you earn on money in your Account before income tax is deducted
The definitions section of our General Savings Conditions define what Nominated Account and Electronic Transfer mean.
Please read this Summary Box in conjunction with the Specific Conditions contained in the Key Features & Summary Box document above, our General Savings Conditions and Tariff of Fees. These together with your Application Form make up our agreement with you.
For more information about our Cash ISA and ISA’s generally please read our ISA Information Booklet.
Interest will be paid annually on the anniversary of your initial deposit.
Interest is calculated daily at the interest rate for the balance in the Account at the end of that day. As long as you have £5,000 or more in the Account you will receive the variable interest rate for the whole balance in your Account.
You can choose to have your interest paid into your 1 Year Fixed Rate Cash ISA Account, another Charter Savings Bank account held by you (subject to the specific conditions of that account) or your Nominated Account.
No. The interest rate is fixed for 12 months from the date funds are first credited to your 1 Year Fixed Rate Cash ISA (the Fixed Rate Period).
The above examples are for illustrative purposes only, they do not take account of your individual circumstances and make the following assumptions:
1TAX FREE. The contractual rate of interest payable where interest is exempt from income tax.
*AER: This stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
**GROSS:The interest that you earn on money in your Account before income tax is deducted
The definitions section of our General Savings Conditions define what Nominated Account and Electronic Transfer mean.
Please read this Summary Box in conjunction with the Specific Conditions contained in the Key Features & Summary Box document above, our General Savings Conditions and Tariff of Fees. These together with your Application Form make up our agreement with you.
For more information about our Cash ISA and ISA’s generally please read our ISA Information Booklet.
Interest will be paid annually on the anniversary of your initial deposit.
Interest is calculated daily at the interest rate for the balance in the Account at the end of that day. As long as you have £5,000 or more in the Account you will receive the variable interest rate for the whole balance in your Account.
You can choose to have your interest paid into your 2 Year Fixed Rate Cash ISA Account, another Charter Savings Bank account held by you (subject to the specific conditions of that account) or your Nominated Account.
No. The interest rate is fixed for 24 months from the date funds are first credited to your 2 Year Fixed Rate Cash ISA (the Fixed Rate Period).
The above examples are for illustrative purposes only, they do not take account of your individual circumstances and make the following assumptions:
1TAX FREE. The contractual rate of interest payable where interest is exempt from income tax.
*AER: This stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
**GROSS:The interest that you earn on money in your Account before income tax is deducted
The definitions section of our General Savings Conditions define what Nominated Account and Electronic Transfer mean.
Please read this Summary Box in conjunction with the Specific Conditions contained in the Key Features & Summary Box document above, our General Savings Conditions and Tariff of Fees. These together with your Application Form make up our agreement with you.
For more information about our Cash ISA and ISA’s generally please read our ISA Information Booklet.
Interest will be paid one month after your initial deposit into your Account and on that day in every month after that.
Interest is calculated daily at the interest rate for the balance in the Account at the end of that day. As long as you have £5,000 or more in the Account you will receive the variable interest rate for the whole balance in your Account.
You can choose to have your interest paid into your 2 Year Fixed Rate Cash ISA Account, another Charter Savings Bank account held by you (subject to the specific conditions of that account) or your Nominated Account.
No. The interest rate is fixed for 24 months from the date funds are first credited to your 2 Year Fixed Rate Cash ISA (the Fixed Rate Period).
The above examples are for illustrative purposes only, they do not take account of your individual circumstances and make the following assumptions:
1TAX FREE. The contractual rate of interest payable where interest is exempt from income tax.
*AER: This stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
**GROSS:The interest that you earn on money in your Account before income tax is deducted
The definitions section of our General Savings Conditions define what Nominated Account and Electronic Transfer mean.
Please read this Summary Box in conjunction with the Specific Conditions contained in the Key Features & Summary Box document above, our General Savings Conditions and Tariff of Fees. These together with your Application Form make up our agreement with you.
For more information about our Cash ISA and ISA’s generally please read our ISA Information Booklet.
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* AER stands for annual equivalent rate and illustrates what the interest rate would be if it was paid and compounded once each year.
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Your eligible deposits held by a UK establishment of Charter Savings Bank are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit protection scheme. Any deposits you hold above the limit are unlikely to be covered. Please click here for further information or visit www.fscs.org.uk.
