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ISAs

start protecting those precious pounds, from as little as £1…

Don’t let the taxman get his teeth into your savings when you can easily save tax-free with a cash ISA.  As well as offering our smile cash ISA, our merger with Britannia means you can also take advantage of the Britannia Cash ISA, detailed below

The 2015/2016 ISA allowance is £15,240 and from 6 April 2015 you can save any part of, or your whole ISA allowance in a cash ISA or a stocks and shares ISA, or any combination of the two.

Remember you can subscribe to a smile/ Co-operative Bank/ Britannia Cash ISA as long as you have not subscribed to another cash ISA with another provider in the current tax year.

cash ISA

why pay tax on your savings, when you don't have to?

Stop the taxman taking his slice and sort yourself out with our smile cash ISA - it's that simple.

  • access your money whenever you like
  • start saving from just £1
  • quick, easy and secure online application
  • secure online banking
  • earn more interest if you have a smile current account

To open this smile cash isa you must be aged over 18 and a UK resident for tax purposes.

fixed rate cash ISAs

fixed rate cash ISA savings from Britannia

More great ways to save.

•1 and 2 year fixed rate terms available
•Save from £5,000 up to the maximum of £15,240 if using the 2015/2016 tax year allowance and/or transfer in from £1 using previous tax years allowances.
•It is not possible to add to our Fixed Rate ISAs once the product is withdrawn.
•Withdrawals, closures and transfers out before the maturity date are subject to a penalty of 180 day's loss of interest.

To open a cash ISA you must be a UK resident aged 16 or over.  Available from the Co-operative Bank website.

The Co-operative Bank reserves the right to decline to accept any application and/or deposit.

Definitions

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

Gross - The gross rate of interest is the interest rate payable before any income tax is deducted (if you do pay tax).

Net - The net rate of interest is the interest payable after any income tax is deducted (if you do pay tax).

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

The Co-operative Bank p.l.c. is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (No.121885). The Co-operative Bank, Platform, smile and Britannia are trading names of The Co-operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester M60 4EP. Registered in England and Wales No. 990937. Credit facilities are provided by The Co-operative Bank p.l.c. and are subject to status and our lending policy. The Bank reserves the right to decline any application for an account or credit facility. The Co-operative Bank p.l.c. is a member of the Council of Mortgage Lenders and subscribes to the Lending Code which is monitored by the Lending Standards Board.