Fixed Rate Anniversary ISA

If you prefer a guaranteed return over a set period of time, Fixed Rate Anniversary ISA is a great choice, offering a fixed rate of interest over a fixed term, tax-free. When you invest over the full term, you'll know exactly how much interest you'll earn.

The month in which you open your account becomes your 'anniversary month' each year. During this month, you can add to your investment, make withdrawals, close or transfer your account without losing any interest. You can't pay in any more money at any other time.

At the start of the anniversary month, your money is automatically invested into a new issue with a new interest rate that is fixed for a further 12 months. For example, if you opened your account in March 2008, your anniversary month would be March 2009, March 2010 ... and so on, until your account is closed.

Key features:

• Earn an attractive rate of tax-free interest.
• A new fixed rate of interest is set each month so your account will always aim to offer good value.
• During your anniversary month, choose to:
  • Add your new tax year ISA allowance to your existing Fixed Rate Anniversary ISA.
  • Let your savings automatically be reinvested for a further term at a new fixed rate.
  • Withdraw some of your money and leave the rest for another year.
  • Close the account or transfer to another Cash ISA.
• Minimum investment £100, maximum £3,600 in the 2008/2009 tax year.
• Annual or monthly interest options available.
• Withdrawal restrictions apply outside of your 'Anniversary month'.

Choose from the following:

• More details
• Interest rates
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• How to apply