ISAs

What is an ISA?

An ISA is simply a savings account and stands for Individual Savings Account. An ISA lets you pay little or no tax on your savings interest or investments earnings.

There are two main types of ISA available:

  • Cash ISAs which are classed as tax free. Tax free means that interest payable is exempt from UK income tax.
  • Stocks and shares ISAs which are classed as tax efficient. These are higher in risk and should be considered as being for the longer term (i.e. at least 5 years)

View our ISA video opposite, read the video transcript, or

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Our cash ISAs



Account nameInterest rateManage accountTransfers in
allowed
Withdrawals
e-ISA
Internet only account offering our best instant access rate 2.00% AER variable on balances of £0-£9,999.

2.50% AER variable on balances over £30,000
  • Online
yesUnlimited Find out more on e-ISA
Cash ISA
For customers who prefer to bank in branch and have instant access to their savings 0.50% AER variable on balances of £1-£8,999.

2.00% AER variable on balances over £50,000.
  • Online
  • Branch
  • Phone
yesUnlimited Find out more on 3 Year Fixed Rate Bond
Fixed Rate ISA
Apply between 1st Feb - 29th Feb 2012

Cash ISA with a fixed rate of interest from 4th April 2012 for the term of the account.

Limited offer may be withdrawn at any time.
Minimum investment amount £1,000.

NEW Preferential Interest Rates if you transfer your cash ISA from another provider to NatWest (excluding NatWest & RBS).

1 Year term - 3.35% AER

2 Year term - 3.90% AER

3 Year term - 4.20% AER

Standard Interest Rates

1 Year term - 2.60% AER

2 Year term - 3.50% AER

3 Year term - 3.80% AER
  • Online
  • Branch
  • Phone
yesBy closure only
an interest charge will
apply
Find out more on 3 Year Fixed Rate Bond
Fixed Rate ISA notes:
Please ensure: You will earn interest equivalent to our Cash ISA rate up until the start date of your Fixed Rate ISA (4th April 2012)

Stocks and shares ISAs

Self-Select ISA

An investment ISA with a difference – you choose exactly what you want to invest in, within the ISA rules.

Investment Options ISA

Pick an investment that fits your goals, and then let expert fund managers look after your money. More for you. Less for the tax man.