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Fixed Rate Cash ISA

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Save for the future
Make the most of your tax-free* savings by moving your money to a Fixed Rate Cash ISA. Earn up to 3.20% AER/Tax Free* on balances of £30,000 or more. It’s easy to open, and because it is an ISA you won’t pay any tax on the interest you earn. Transfer your existing ISAs to maximize your tax free interest.

Features & Benefits

  • Fixed tiered interest rates. Earn up to 3.20% AER/Tax Free on balances of £30,000 or more fixed for 12 months from account opening, 3.00% AER/Tax Free for balances of £9,000 to £29,999 and 1.5% AER/Tax Free on balances of £3,000 to £8,999. View Fixed Rate Cash ISA interest rates.
  • Interest rate fixed for 12 months from account opening.
  • Interest calculated on a daily basis and paid at account maturity.
  • Tax-free savings from previous years ISA allowances to maximise savings.
  • Continued growth - at the end of the 12 month fixed rate period, your account pays interest at our standard variable Cash ISA rate.
  • Manage your account through Internet Banking, PhoneBank®  or branch.

How the Fixed Rate Cash ISA account works:

  • Minimum opening deposit is £3,000.
  • Instant access but any withdrawal within the 12 month fixed period will mean the loss of 90 days’ interest on the amount withdrawn.
  • If your balance drops below £3,000 you will not receive interest on your account until your balance goes back above this point.
  • Allows transfers in from other Cash ISA products/providers.
  • You are restricted in the amount you can save, so opening a Cash ISA will limit the amount that can be invested in a Stocks and Shares ISA. If you want to know more, staff at your local Lloyds TSB branch will be happy to explain.
  • You can save up to £3,600 in any Tax year.

View Fixed Rate Cash ISA interest rates.

How do I apply?

To apply for a Fixed Rate Cash ISA, you need to be 16 years or older, a UK resident, and have your national insurance number to hand. Subject to availability. Tax treatment may vary.

Online through Internet banking
As long as you’re registered for Internet Banking you can open your new Fixed Rate Cash ISA account in moments.   Click here to apply for a Fixed Rate Cash ISA.

By Phone
Whether you are a new or existing customer call us on 0800 015 0060 Mon-Fri 8am-10pm and 9am-6pm at weekends.

At your local branch
Visit your Lloyds TSB Branch with proof of identity and we'll open the account for you.

What proof of Identity can I use?

Fixed Rate Cash ISA important information

View Fixed Rate Cash ISA Summary box.

Back to savings accounts.

 

The Lloyds TSB Cash ISA does not meet the requirements of a deposit-based stakeholder product.
PhoneBank® is a registered trademark of Lloyds TSB Bank plc.
*Tax-free is the contractual rate of interest payable where interest is exempt from income tax. Tax rules may change. The favourable tax treatment for Cash ISA’s depends on your individual circumstances and may vary in the future AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. As every advertisement for a savings product, which quotes an interest rate, will contain an AER you will be able to compare more easily what return you can expect from your savings over time.