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Cash ISA Fixed Rate Bonds

Issue 26 - maturity date 30th October 2015

With effect from 1st July 2014 the overall ISA limit for 2014/2015 is £15,000.

At a glance
Interest rates
Summary box
  • Limited offer – apply now

    Our Cash ISA Fixed Rate Bonds are limited offer Cash ISAs. The Bonds pay a guaranteed interest rate so you know exactly how much your savings will grow.

    Main features

    • Tax free growth
    • Guaranteed interest rates until 30th October 2015
    • The minimum amount to invest is £2,000
    • Interest is calculated daily and credited to the account at maturity
    • Unless you tell us otherwise on Maturity the Cash ISA - Fixed Rate Bond will be re invested into a new Cash ISA - Fixed Rate Bond of a term closest in length to your original Cash ISA - Fixed Rate Bond term. We will write to you with details of the available options before maturity.
       

    The value of any tax benefits to you depends on your individual circumstances, the Law and Her Majesty's Revenue and Customs (HMRC) practice which are subject to change. The proceeds of an ISA are currently free from UK Income Tax and Capital Gains Tax, provided all ISA conditions are met.

    ISA Subscription limits (2014/2015)

    From 1st July 2014 the overall ISA limit for 2014/15 is £15,000 with customers having the option to save all or some of their full allowance in cash, subject to the overall annual maximum amount of £15,000.

    Making withdrawals

    The Cash ISA Fixed Rate Bond is designed for savers who don’t need to access their funds before the stated maturity date. If you withdraw your money before that date, you will have to pay an early withdrawal charge of minimum £30 and the account will be closed.

    Ideal for ISA transfers

    If you already have ISAs with Yorkshire Bank or any other provider, you can transfer them to one of our Cash ISAs at account opening. That way, you could potentially earn a greater return on all your ISA savings.

  • Issue 26 offers a guaranteed interest rate of 1.60% Tax-free/AER until 30th October 2015.

  •  

    Interest is calculated daily and credited to the account annually and at maturity, or (if any) when the account is closed, if earlier.

    The minimum amount to invest is £2,000.

    The value of any tax benefits to you depends on your individual circumstances, the Law and Her Majesty's Revenue and Customs (HMRC) practice which are subject to change. The proceeds of an ISA are currently free from UK Income Tax and Capital Gains Tax, provided all ISA conditions are met.

  • Summary Box

    Key Product Information for our Savings Account

    Account Name Cash ISA - Fixed Rate Bond - (Issue 26) Maturity date 30.10.2015
    Interest Rates (AERs) Refer to the Cash ISA Tariff for personal customers, or our website www.ybonline.co.uk.
    Tax Status Tax free – interest is paid gross.
    Conditions for bonus payment N/A
    Withdrawal arrangements You cannot make part withdrawals from your Cash ISA - Fixed Rate Bond. If you choose to close or transfer your account before maturity, a charge will be payable. The charge is dependent on the number of days to Maturity and the minimum charge is £30.00. Please note following the closure of a Cash ISA account where the funds have not been transferred to another ISA, the funds will no longer be eligible for the tax benefits of an ISA. ISA withdrawals have no effect on annual subscription limits as once you have reached the investment limit in any tax year you cannot make any further subscriptions in that tax year regardless of the number or amount withdrawn from your investment.
    Access Branch

    The value of any tax benefits to you depends on your individual circumstances, the Law and Her Majesty's Revenue and Customs (HMRC) practice which are subject to change. The proceeds of an ISA are currently free from UK Income Tax and Capital Gains Tax, provided all ISA conditions are met.

Anyone aged 16 years or over is eligible to apply for a Cash ISA . You must be resident in the United Kingdom.

Tax Free - is the rate payable when income is exempt from Income Tax.

AER - Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded once each year.

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Key Feature Document

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