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Cash ISA
  • Interest Rate - 0.40% tax-free/AER variable
  • Variable, easy access product
  • Operated online or by phone
  • Interest paid annually and tax free
  • From 6th April 2017 you can save up to £20,000 in tax year 2017/2018*
Intelligent Finance isaver - online only
  • Interest Rate - 0.25% gross/AER variable
  • Variable, easy access product
  • Operated online
  • Interest paid monthly or annually
Direct Access Savings
  • Interest Rate - 0.05% gross/AER variable
  • Variable, easy access product
  • Operated online or by phone
  • Interest paid monthly or annually

*This allowance is inclusive of any amount invested in a stocks and shares ISA, an innovative finance ISA or a lifetime ISA in the same tax year.

Tax-free is the contractual rate of interest payable where interest is exempt from income tax. The favourable tax treatment for Cash ISAs depends on your individual circumstances and may vary in the future.

AER stands for the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Gross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs.

Changes to our cash ISA conditions

We are making some changes to the conditions for our cash ISAs. These changes will come into effect on 6th April 2017.

The changes will allow transfers in from and out to a new type of ISA called a Lifetime ISA.

Intelligent Finance does not currently offer Lifetime ISAs.

You will be able to view the up to date conditions from 6th April 2017.

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You can apply for savings online. Just register for online banking first, then log in and select "Enhance Plan".

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