ISAs


Tax efficient savings

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 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, view the video transcript, or Find out more in our ISA Guide

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Account nameInterest rateManage accountTransfers in allowedWithdrawals
Instant Access Cash ISA
For customers who want instant access to their savings. 0.55% AER variable on balances of £1-£8,999.
2.00% AER variable on balances over £50,000.
Online
Branch
Phone
yesUnlimited Find out more
Fixed Rate ISA
Apply between 1st Feb - 29th Feb 2012

Cash ISA with a fixed rate of interest from 4th January 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Limited offer – May be withdrawn at any time.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 RBS (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
Fixed Rate ISA notes:
Please ensure: You will earn interest equivalent to our variable cash ISA rate up until the start date of your Fixed Rate ISA (4th April 2012).


Already have an RBS ISA?

Make the most of your ISA.


Looking for the Cash ISA Plus Rate?

We no longer offer the Cash ISA Plus, but you can still check the rate on your existing account.

Investment ISA

Looking to invest? Then why pay more tax than you have to? Choose from a range of options and use your ISA allowance, to invest up to £10,200 this tax year.