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Cash ISAs (Individual Savings Accounts)

See your savings grow

Help your money earn interest by taking advantage of your annual ISA allowance. The overall ISA limit for 2018/19 is £20,000.

Anyone aged 16 years or over is eligible to apply for a Cash ISA, must be resident or ordinarily resident in the United Kingdom and hold a National Insurance number.

The value of any tax benefits to you depends on your individual circumstances, the Law and Her Majesty's Revenue and Customs (HMRC) practice which are subject to change.

Help to Buy

Help to Buy: ISA

Earn on your savings towards your first home

Our Help to Buy: ISA account helps you save regular monthly amounts towards a deposit for your first home, whilst earning tax free[1] interest on the amount you save. The government will pay a bonus of 25% on account balances of between £1,600 and £12,000 when you purchase your first home in the UK. Terms and conditions apply.

  • UK residents only
  • No min. monthly deposit
  • Max deposit of £1,200 in first calendar month and £200 per calendar month thereafter
  • Government bonus on savings between £1,600 and £12,000 when you purchase your first home
  • Withdrawing from your ISA will reduce your balance saved and impact the bonus the government will pay

Find out more about our Help to Buy: ISA

Flexi Cash ISA

Keep your cash saved but accessible with a Flexi Cash ISA Account

Our Flexi Cash ISA is a flexible Cash ISA where you have immediate access to your money without charge.

  • UK residents only
  • Instant access
  • The more you save, the higher the interest rate you could earn, with our tiered rates
  • Minimum deposit £10

Find out more about our Flexi Cash ISA

[1] Tax-free means interest payable is exempt from income tax. AER – Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.

Financial Services Compensation Scheme (FSCS)

Protecting your money

Your eligible deposits with Clydesdale Bank PLC are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme.

This limit is applied to the total of any deposits you have with the following: Clydesdale Bank, Yorkshire Bank and B. Any total deposits you hold above the limit between these brands are unlikely to be covered.

Please see FSCS leaflet download (Opens in a new window) for further information or visit www.fscs.org.uk  

Discover our full range of savings accounts

Instant Access Savings Accounts

Fixed Term and Notice Accounts

Tax Efficent Savings

Children’s Savings

You are here:  Personal Banking  >  Savings  >  Tax efficient savings

You can find impartial information and guidance on money matters on the “Money advice service” website.
Clydesdale Bank is covered by the Financial Services Compensation Scheme (FSCS), Find out more.