Our 180 Day Notice Cash ISA account is designed to help you save for lifestyle goals such as that dream holiday, wedding or home improvement, or simply setting aside cash for a rainy day. We continue to invite valuable feedback from our members in order to developing a wide range of savings products to suit individual needs, so this may be ideal for you if maximising the tax efficiency of your savings is important to you. You can withdraw money, close the account or transfer all or part of your Cash ISA by giving us 180 days’ calendar notice. If you ask us to pay or transfer funds before the notice period ends, we will allow this subject to an early access charge.
The Society is required by the Financial Conduct Authority to provide you with certain key information about this account in the form of a Summary Box. You should read this to enable you to make an informed decision and compare our product with those of other providers. Below, you have the option to download and print or save the full summary box, view elements of it one-by-one, or expand the accordion further down this page and view the full product details in one go.
This might suit you if
Online Account
- You would like to operate this account online only.
- Maximising the tax efficiency of your savings is important to you.
- You are happy to receive annual interest.
180 Day Notice Cash ISA
4.30%
4.30% **AER/tax-free variable on balances of £1 or more. Interest is calculated daily and paid annually on 5th April. You can choose to have your interest paid into this account or a nominated bank account held elsewhere.
5 star service. Voted for by our members
*Gross rate – the contractual rate of interest to be paid on a savings account without any deduction being made in respect of potential tax liability.
**AER – stands for Annual Equivalent rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
Need to discuss your circumstances? We’re here to listen.
To speak to a member of our friendly team about your requirements
Summary Box
180 Day Notice Cash ISA
4.30% **AER/tax-free variable on balances of £1 or more. Interest is calculated daily and paid annually on 5th April. You can choose to have your interest paid into this account or a nominated bank account held elsewhere.
Yes, the interest rate for this account is variable which means we can increase or decrease the rate at any time. Refer to our Cash ISA and General Savings Terms & Conditions and the Framework Contract for Payment Services for full details.
Based on the current interest rate the balance after 12 months would be £10,430.00 This illustration assumes that £10,000 is deposited when the account is opened, no further deposits or withdrawals are made, the interest rate remains unchanged, and all interest is left in the account. It does not take account of any early-access charge.
You must be aged 18 or over and either resident in the UK or eligible to subscribe to an ISA under the government’s non-resident Crown servant or armed forces provisions.
The minimum opening balance is £1, unless you have ticked the option to transfer an ISA in from another provider where the opening balance can be zero.
You can add additional funds up to your remaining annual ISA allowance for the tax year at any time.
The maximum annual subscription limit for the 2026/27 Tax Year is £20,000 as set annually by HM Revenue and Customs.
Cooling off period
You may cancel the account without giving a reason within 14 calendar days of opening it. No early access charge will apply. We will return the amount deposited together with any interest due, subject to the ISA rules and any transfer instructions needed to preserve ISA status.
How to open the account
You complete the registration through our online banking platform. Pass an Electronic Identification check. Send us at least £1 by bank transfer or tick the option to transfer in an ISA from another provider.
Managing your account
This account can only be managed through our online banking platform. Please contact us if you need any support or assistance.
You can withdraw money, close the account or transfer all or part of your Cash ISA by giving us 180 calendar days’ notice. The notice period starts on the day we receive and accept your valid instruction. We will make the amount covered by your notice available at the end of the notice period. No early access charge applies where the full notice period is served.
If you ask us to pay or transfer funds before the notice period ends, we will allow this subject to an early access charge. The charge is calculated using the account’s gross interest rate on the date we process the withdrawal, applied to the amount withdrawn for 180 days. We will tell you the estimated charge and net amount before you confirm your instruction.
You can give notice through the secure online service.
IMPORTANT: Please note that if you transfer your ISA or make a withdrawal within the first 180 days of opening your account, the penalty may exceed the interest earned, meaning you could get back less than you originally paid in.
The charge will not exceed the amount available from the withdrawal or account and will never create a negative balance or a debt owed by you to the Society.
You have the right to transfer all or part of your Cash ISA to another ISA manager. The transfer must be arranged through the new ISA manager to preserve the tax-free ISA status. If you give 180 calendar days’ notice, no early access charge applies. If you request completion before the notice period ends, the early access charge will apply to the amount transferred. We will not prevent a valid ISA transfer, but the account terms and applicable charge remain payable.
*** Please see additional information below.
All Faster Payments must be made to the nominated bank account linked to the account. Refer to our Cash ISA and General Savings Terms and Conditions and the Framework Contract for Payment Services for more information on withdrawals.
Yes. We accept transfers of all or part of previous tax years’ ISA savings. For subscriptions made in the current tax year, we only accept a transfer of the full current year.
When you open the account, you will be asked if you wish to transfer any subscriptions into your new account.
** AER – stands for Annual Equivalent Rate. The Annual Equivalent Rate (AER) shows what the interest rate would be if interest was paid and added each year. All ISA interest is paid tax-free, which means it’s exempt from income tax. Tax rules may change in the future.
*** IMPORTANT: The product terms and conditions in this summary box relating to withdrawal restrictions, Transfers out, opening an account and interest instructions supersede the Cash ISA T&Cs for this product.
