180 Day Cash ISA

3.80% Tax Free pa / AER

If the balance falls below £100, a variable rate of 0.10% Tax Free pa / AER will be paid. Interest is calculated daily and paid annually at 31st December into this account or a nominated account as stated on your application form. You can also choose to have your interest paid monthly into a nominated account.

Yes, interest rates are variable and we can change them at any time. Any changes will be made in accordance with Section 8 of our General Terms and Conditions which sets out when we can vary the interest rate and how and when we will notify you.

The estimated balance after 12 months based on a deposit of £1,000 would be £1,038.00.

This estimation assumes that:
 - £1,000 is deposited on opening the account.
 - No additional deposits or withdrawals are made.
 - Interest is paid annually and added to the account.

This projection is provided for illustrative purposes only and does not take into account your individual circumstances.

• This account can be opened online, in branch or by post.
• You must be aged 18 or over to open this account and it can only be opened in single names.
• A minimum deposit of £100 is required to open the account.
• You can make a cash deposit by visiting the branch, send a cheque made payable to the account holder or make a bank transfer.
• If your application was made online the first payment into your account must come from your nominated account.
• You can open and contribute to multiple Cash ISAs within a single tax year, but the total amount contributed across all your ISAs cannot exceed the annual subscription limit set by HM Revenue & Customs.
• By investing in this Cash ISA you will be limiting the amount you can invest in the other types of ISAs. Visit gov.uk/individual-savings-accounts for more details.
• We accept full and partial transfers from other providers into this Cash ISA.
• You can manage your account by post, in branch or online via mybbs.

• Yes, you can take money out by giving us 180 days notice in writing.
• Immediate withdrawals are permitted subject to 180 days penalty loss of interest.
• You can withdraw in cash at our branch, or by cheque, or bank transfer to your nominated account.
• Withdrawal requests to your nominated account can also be made in writing via post or through mybbs.
• All withdrawals are subject to our daily limits which are outlined in our General Savings Terms and Conditions.
• We offer full and partial transfers out to other participating ISA providers.
• If you have subscribed the maximum annual limit to your Cash ISA and make a withdrawal, you cannot replace the amount withdrawn during that tax year.

• Interest will be paid exempt of UK income tax.
• You may need to pay tax on any interest that exceeds your Personal Savings Allowance. For more information please contact HMRC.
• AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year.
• We have no current plans to withdraw this product although it can be withdrawn without notice.