Need help reading this page? Click to activate Recite Me popup.
People playing a board game and laughing

ISAs

Whatever you’re saving for, a Halifax ISA could help you get there.

 

 

 

People playing a board game and laughing

Short-term goals

Cash ISAs are a smart choice for short-term goals. They offer reliable interest rates, making them great for building an emergency fund, saving for a holiday, or buying a car. Plus, helping your money stay safe and easily accessible.

Savings ISAs

Medium to long-term goals

Stocks and Shares ISAs can grow more over time, ideal for medium to long-term goals. Such as saving for a house deposit, funding children’s education or growing wealth for long-term financial security.

Stocks and shares ISAs

Should I save or invest?

Learn how savings and investments could work together, helping you reach your financial goals.

Save or invest?

ISA basics

Individual Savings Accounts, ISAs for short, give you the opportunity to save or invest tax efficiently. So you don’t have to pay any tax on your savings and your investment profits are free of Capital Gains and UK Income Tax.

You get an ISA allowance each tax year, a capped amount that you can put into one account or spread across several ISAs if you’d prefer. Find out more about ISAs.

  • Up to £20,000 in personal ISAs.
  • Up to £9,000 on behalf of a child in a Junior ISA.

Short-term goals

Instant access savings

For when you need ‘easy-to-access’ money to reach your short-term goals

ISA Saver Variable

Ideal if you need to access your savings regularly. With the ISA Saver Variable, you can save flexibly.

  • Earn up to 1.35% AER/tax-free variable interest. The rate depends on your balance.
  • Get started from as little as £1.
  • No charges for withdrawals.
ISA Saver Variable

ISA Reward Bonus Saver

Our cash ISA for Reward or Ultimate Reward Current Account holders. Earn more interest if you make fewer withdrawals.

ISA Reward Bonus Saver

Fixed savings

Clear short-term goals require straight-forward accounts.

Woman balancing a football on her head

ISA Saver Fixed 1-year

For some certainty, lock your money away for a year and watch your savings grow.

  • Earn 3.95% AER/tax-free fixed interest for one year.
  • Open with £500 or more.
  • A fixed interest rate for extra certainty.
  • A fee to withdraw early applies.
ISA Saver Fixed 1-year

ISA Saver Fixed 2-year

For that goal that’s a little further away, lock your money away for 2 years and watch your savings grow.

  • Earn 3.75% AER/tax-free fixed interest for two years.
  • Open with £500 or more.
  • A fixed interest rate for extra certainty.
  • A fee to withdraw early applies.
ISA Saver Fixed 2-year

Medium to long-term goals

Investments

For those big-ticket, longer-term goals.

Stocks and Shares ISA

Ideal if you’re wanting to pick your own stocks and shares, funds and more.

  • Create and control your own portfolio.
  • Free regular investing through our scheduled investment service.
  • ETF Quicklist and other investment tools to help you get started.
Stocks and Shares ISA
Image showing a man and child hugging

Ready-Made Investments ISA

Exclusive to existing Halifax online banking customers, ideal if you prefer investments selected on your behalf.

  • Ready-Made Investments are looked after by experts, so you don’t have to do a thing.
  • Pick a level of risk that suits you.
  • Get started from just £50 a month, or a £500 lump sum.
Ready-Made Investments ISA
 

18 to 25 Stocks and Shares ISA

Free investing accounts for 18 to 25-year-olds.

  • Free account up to age 26.
  • Free regular investing through our scheduled investment service.
  • ETF Quicklist and other investment tools to help you get started.
18 - 25 Stocks and Shares ISA

Please remember that the value of investments and the income from them can fall as well as rise, and you may get back less than you invest. If you’re not sure about investing, seek financial advice. There will normally be a charge for that advice. Tax treatment depends on individual circumstances and may be subject to change in the future.

You might also like

What is an ISA?

An Individual Savings Account helps you to save and invest tax efficiently.

Find out more about ISAs

Understanding investing

Whether you’re new to investing or more experienced, it’s always good practice to keep learning.

Learn more about investing

Should I save or invest?

Learn how savings and investments could work together, helping you reach your financial goals.

Save or invest?

Financial Services Compensation Scheme

Eligible investments with us are protected by the Financial Services Compensation Scheme (FSCS). For further information about the compensation provided by the FSCS, refer to the FSCS website at www.fscs.org.uk/. You can also visit our Financial Services Compensation Scheme page for more details.

Important legal information

Halifax Share Dealing Limited. Registered in England and Wales no. 3195646. Registered Office: Trinity Road, Halifax, West Yorkshire, HX1 2RG. Authorised and regulated by the Financial Conduct Authority under registration number 183332. A Member of the London Stock Exchange and an HM Revenue & Customs Approved ISA Manager.

Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.


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 contain an AER you will be able to compare more easily what return you can expect from your savings over time.

The tax-free rate is the contractual rate of interest payable where interest is exempt from income tax.