Cash ISA Accounts

What is a Cash ISA?

A Cash Individual Savings Account (ISA) is simply a savings account. An ISA lets you pay no tax on the interest your savings make within the ISA annual allowance.
Every tax year you can save up to your annual Cash ISA allowance limit of £5,100.
The tax year runs from 6 April to 5 April the following year. We have a range of options to help you take full advantage of your annual ISA allowance.

ISA allowance limits

Each year, you have an allowance limit that you can use for your ISA.

Your limits:

Current ISA allowance for a single tax year

Stocks & Share ISA

Up to £10,200

Cash ISA and Stocks & Shares ISA

Cash ISA up to £5,100, Stock and Shares ISA up to £10,200 (less any subscriptions made to a Cash ISA)

Please note that Northern Rock do not offer Stock and Shares ISAs. The maximum that you can save in a Cash ISA is £5,100 each tax year. You can only subscribe to one Cash ISA in each tax year.

Please note that under HM Revenue and Cusotmers guidelines, you can only subscribe to one Cash ISA in this tax year (6 April 2010 to 5 April 2011). The maximum you can subscribe in your Cash ISA is £5,100 and you must not subscribe more than £10,200 in total to ISAs (Cash and Stocks and Shares) in this tax year.

Transfer My Cash ISA

If you hold a Cash ISA with another provider, you may be able transfer your funds to one of our Cash ISAs. Simply select an appropriate Cash ISA product below and complete the transfer authority form.

download ISA transfer form

2.85

tax free savings, up to £5,100 p.a
fixed interest rate until 15 October 2011, withdrawals within this period are subject to a charge
open with an initial deposit of £500
once the issue is withdrawn additional funds can be deposited for a period of 30 days' only
transfers in from other providers or existing Northern Rock ISAs are not permitted

view ISA Breaker Issue 3

2.70

1 Year Fixed Rate Cash <span class='txtCase'>ISA</span> Issue 140

Allows transfers in from existing Cash ISAs
tax free savings, up to the current annual allowance of £5,100 per tax year
Fixed interest rate until 15 September 2011
Open with an initial deposit of £500
Once the issue is withdrawn additional funds can be deposited for a period of 30 days' only

view 1 Year Fixed Rate Cash ISA Issue 140

3.50

3 Year Fixed Rate Cash <span class='txtCase'>ISA</span> Issue 141

Allows transfers in from existing Cash ISAs
tax free savings, up to the current annual allowance of £5,100 per tax year
Fixed interest rate until 15 September 2013
Open with an initial deposit of £500
Once the issue is withdrawn additional funds can be deposited for a period of 30 days' only

view 3 Year Fixed Rate Cash ISA Issue 141

4.00

5 Year Fixed Rate Cash <span class='txtCase'>ISA</span> Issue 142

Allows transfers in from existing Cash ISAs
tax free savings, up to the current annual allowance of £5,100 per tax year
Fixed interest rate until 15 September 2015
Open with an initial deposit of £500
Once the issue is withdrawn additional funds can be deposited for a period of 30 days' only

view 5 Year Fixed Rate Cash ISA Issue 142

2.50

Allows transfers in from existing Cash ISAs
no-notice access to your money

view Easy ISA

1. Tax-free is the rate of interest paid to eligible non-taxpayers without the deduction of tax.

2. AER stands for the Annual Equivalent Rate and shows what the interest rate would be if interest was paid and added to the capital balance each year.

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