More about credit checks for savings accounts. Apply online. It will take around 10 minutes to complete this application. You can save your progress and come back at any time. Savings account charges PDF. Co-operative Bank savings general terms and conditions PDF. How we use your personal information PDF. AER stands for Annual Equivalent Rate and shows what the interest rate would be if it were paid and added to your account each year.
Business day is usually Monday to Friday excluding bank holidays. Any reference to tax is based on our understanding of current tax regulations which may change in the future and depends on the customer's individual financial circumstances. This limit is applied to the total of any deposits you have with the following: The Co-operative Bank, Britannia and smile.
Any total deposits you hold above the limit between these brands are unlikely to be covered. Please click here for further information or visit www.
This website uses cookies. Money troubles. Calculator Pension calculator. Calculator Workplace pension contribution calculator. Tool Find a retirement adviser. Calculator Redundancy pay calculator. Home Savings Types of savings.
Savings Types of savings. Cash ISAs. Ready to start saving? When might a Cash ISA be for you? Back to top. How they work. Splitting your ISA allowance. Cash ISA transfers — the rules. The only exception to this is if you have a Flexible ISA see below. Although your current provider must let you transfer your ISA to a new account, your new provider might not accept ISA transfers.
Check before you decide which provider you want to switch to. Your current provider might charge a penalty for transferring.
Check for any fees or charges to make sure transferring is still worthwhile. Cash ISAs from previous tax years can be split — with some money going to one provider and the rest to others. You'll have to complete a transfer form with your new Cash ISA provider who will then sort out the transfer for you.
You can even transfer the money from a Cash ISA. Flexible ISAs. This won't reduce your current year's ISA allowance. What happens to your ISA when you die. Money Navigator Tool. Have you got money worries because of coronavirus? What to look out for with Cash ISAs. Beware of teaser rates that are high for a short period of time before dropping off to a low level.
Many Cash ISAs are instant access accounts paying a variable interest rate. But some Savings Bonds offering a fixed rate over a fixed term can also be Cash ISAs with your money being paid into an instant access account once the bond matures.
Beware of fixed-term Cash ISAs offering very high interest rates. You might get no income or capital growth, and charges might be deducted from your capital. Access to your money. With instant access Cash ISAs you can withdraw money when you want to. Some accounts allow early withdrawals, but there might be a penalty.
Charges on cash ISAs. If you withdraw early from a fixed-term account, there might be charges. Your provider might charge penalties and fees if you transfer your Cash ISA to another provider.
Are Cash ISAs safe and secure? Find out more in our guide on Compensation if your bank or building society goes bust. Where to open a Cash ISA. Join our Facebook group. What happens if your Cash ISA goes wrong? Find out more in our guide on how to Sort out a money problem or make a complaint. Find out more about using comparison sites to find a Cash ISA in our guide Finding the best deals with price comparison websites. Was this information useful? You can continue to fund your ISA as long as it remains open to funding and you have remaining ISA allowance for this tax year.
All electronic and non-electronic transfers for Cash ISAs will be completed within 15 business days. If your transfer is referred or delayed this process may take longer. Please see your Key Product Information document for more details as the fee varies based on length product term. AER stands for Annual Equivalent Rate and illustrates the interest rate if it was paid and compounded each year.
Suggested searches. Clear Suggested searches. Compare Business Savings Accounts. Contact us. Employee Ownership Trusts. Wholesale Finance. Retail and Home Improvement Finance. View all Mortgages Buy to Let Mortgages. Personal Loans Car Loans. Can Shawbrook Bank change the interest rate? Our help section is bursting with useful information. If you'd rather chat, just give us a call. We use cookies to ensure that we give you the best browsing experience on our website.
This includes cookies from third party analytics providers to help us understand how you use our site so we can continually improve. You can delete and block cookies, but parts of our site won't work without them.
To find out more about how we look after your data view our Privacy Notice. Skip to Login Skip to page content. Why save with us?
0コメント