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Quick Guide to ISAs

At YBS, we know how important it is to make the most of your savings.
 

That's why our range of flexible cash ISAs let you take your money out and put it back within the same year, without impacting your tax free savings allowance.

Interest earned from your ISA is tax free and doesn't contribute to your Personal Savings Allowance.

The allowance for the 2018/19 tax year is £20,000.

Watch our video below and discover how to get started with our cash ISAs.

 

Different types of ISAs

There are a few different types of ISA you can save into - each with their own benefits.

The £20,000 ISA allowance can split across cash ISA, Stocks & Shares ISA, Innovative Finance ISA and Lifetime ISA (the annual contribution limit into a Lifetime ISA is £4,000).

Please be aware that if you don't use your full allowance, it doesn't roll over, you lose it.


   
 

At YBS we only offer Cash ISAs, here's how you can get started with us.
 

Starting a new cash ISA

See our full range of fixed rate and variable cash ISAs

How to apply

Looking to save for your first house?

In that case, a Help to Buy: ISA might be the best option for you. With this ISA, if you're eligible you can apply for a Government bonus to help assist you in purchasing your first home.

Find out more

Transfer to a YBS cash ISA from another account

You can transfer your ISA from another provider to YBS at any time as long as your account terms and conditions allow it. We can give you all the information you'll need to transfer. Transfer charges may apply so please check with your existing ISA provider.

Find out more

Need to know more about your Personal Savings Allowance?

See guide