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To make the most of your 2025/2026 ISA subscription: 

  • You will need to have successfully opened your ISA and we will need to receive your funds by 11:59pm on April 5th 2026. 
  • Any ID or residency documents that we may request must be received by March 26th 2026. 
  • If your application fails after March 26th 2026, you can still proceed with opening your account and your funds will be applied to your 2026/2027 ISA subscription.


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18 Month Fixed Rate ISA

  • Open with £1

  • Withdrawals are permitted subject to 120 days loss of interest

  • Tax-free savings

  • Apply online or in branch

1 Year Fixed Rate ISA

  • Open with £1

  • Withdrawals are permitted subject to 90 days loss of interest

  • Tax-free savings

  • Apply online or in branch

2 Year Fixed Rate ISA

  • Open with £1

  • Withdrawals are permitted subject to 120 days loss of interest

  • Tax-free savings

  • Apply online or in branch

5 Year Fixed Rate ISA

  • Open with £1

  • Withdrawals are permitted subject to 365 days loss of interest

  • Tax-free savings

  • Apply online or in branch

Manchester Base Rate Tracker ISA (Issue 2)

  • Open with £1

  • Variable rate of interest

  • Withdrawals and transfers can be made penalty free without notice

  • This account will track the Bank of England Base Rate until 28th May 2027

  • Apply in branch or online

Manchester Double Access ISA

With 2 or less withdrawals

3.45%

Tax-free PA/AER (Variable)

With 3 or more withdrawals

1.70%

Tax-free PA/AER (Variable)
  • Open with £1

  • A variable rate of interest which allows 2 penalty free withdrawals each anniversary year

  • 1.70% tax-free/AER (variable) will be paid upon making 3 or more withdrawals

  • Apply online or in branch

Manchester Easy Access ISA

  • Open with £1

  • Variable rate of interest

  • Withdrawals and transfers can be made penalty free without notice

  • Apply online or in branch

Manchester Single Access ISA

With 1 or less withdrawals

3.65%

Tax-free PA/AER (Variable)

With 2 or more withdrawals

1.70%

Tax-free PA/AER (Variable)
  • Open with £1

  • A variable rate of interest which allows 1 penalty free withdrawal each anniversary year

  • 1.70% tax-free/AER (variable) will be paid upon making 2 or more withdrawals

  • Apply online or in branch

Protecting your money

Your eligible deposits with Newcastle Building Society are protected up to a total of £120,000 by the Financial Services Compensation Scheme, the UK’s deposit protection scheme. This limit is applied to the total of any deposits you have with Newcastle Building Society and Manchester Building Society (as a trading name of Newcastle Building Society). Any deposits you hold above the £120,000 limit are unlikely to be covered. 

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  • We are Manchester Building Society

    Manchester Building Society is part of the Newcastle Building Society group and that’s good news for Greater Manchester. 

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  • Meet our King Street team

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Pop in to our new home at 74 King Street to have a cuppa and a chat about your savings.

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