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3.80%
Tax-free PA/AER (Fixed)Open with £1
Withdrawals are permitted subject to 120 days loss of interest
Tax-free savings
Apply online or in branch
Want a fixed rate of interest until maturity
Don't need access to your money before the end of the fixed term
Are looking to save tax-efficiently in an ISA
Are aged 18 or over
Are not looking for a savings account with a fixed term
Want instant access to your money
Withdrawals are not allowed before the maturity date
Want to save on a regular basis
Tax-free refers to the contractual rate of interest payable, where interest is exempt from income tax. The tax information provided is based on the current law and HM Revenue & Customs practice, both of which may change. AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest were paid and added to your account each year.
| Account Name | 2 Year Fixed Rate ISA |
|---|---|
| What is the interest rate? | Annual interest Monthly interest |
| Can Manchester Building Society change the interest rate? | No, the interest rate for this account is fixed and will not change until the end of the 2-year fixed term when your account will mature. Please refer to point 7 of the Product Special Conditions below for further details. |
| What would the estimated balance be on the maturity date, based on a £1,000 deposit? | Balance after 24 months Deposit at account opening: £1,000.00 Interest earned: £77.44 Balance after 12 months: £1,077.44 |
| How do I open and manage my account? | Opening your account: In branch or online. For existing online customers you can log into your Manchester Building Society account to apply. Giving us instructions for your account: In branch, by post, by telephone, online or by secure message (for accounts opened and operated online). Minimum Opening Deposit: £1 Maximum Opening Deposit: Maximum ISA allowance for the current tax year, as prescribed by HM Revenue and Customs. Transfers from other ISA providers are also permitted. Maximum Account Balance: No maximum balance. Please refer to point 4 of the Product Special Conditions below for further details. |
| Can I withdraw money? | Withdrawals/transfers are permitted. Withdrawals prior to maturity will be subject to 120 days loss of interest. If insufficient interest has been earned then the penalty will be taken from your capital. Upon maturity, your funds will roll into a default savings account which has easy access, with a variable interest rate. |
| Additional information | Tax Status: ISA interest is paid tax-free, which means it’s exempt from income tax. Tax rules may change in the future. Reimbursement of Authorised Push Payment (APP) fraud From 7th October 2024, new regulations strengthen protection for customers who suffer financial losses due to Authorised Push Payment (APP) Fraud. If you make a payment on or after 7th October 2024, as result of APP fraud, you may be eligible for a refund. Find out more information about your reimbursement rights. Transferring Windfalls to CharityAll new customers agree to assign any windfall benefits which they may become entitled to on a future conversion or takeover of the Society to the Community Foundation. This is our Charitable Assignment Scheme. By agreeing to this assignment, any windfall benefit will be given to the Community Foundation, one of the leading community foundations in the UK serving Tyne & Wear and Northumberland. This agreement lasts for the first five years of membership, is irrevocable and is a condition of opening an account. Your agreement to open an account with us will be deemed your agreement to the Charitable Assignment Scheme. Please see transferring windfalls to charity or within our Savings General Terms and Conditions for further details. |
Please make sure you've read the terms and conditions before applying
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.
Visit your local branch. If you’d like to open an account in-branch, you may need to arrange an appointment. Before visiting, please call ahead.
