ISAs - Introducing CustomISA

First things first

Gone are the days when tax-free saving meant having to choose between keeping your money handy or putting it away for the longer term. With CustomISA you can spread your annual tax-free allowance across as many accounts as you like, to meet your individual savings goals.

View our current ISA offering

How it works

Each year you're allowed to save a certain amount of money into an ISA (Individual Savings Account) without having to pay any tax on the interest you earn. The allowance for the tax year 2015/2016 is £15,240.

Most banks and building societies allow you to save into just one ISA each tax year. However CustomISA lets you spread your allowance across several tax-free accounts ranging from easy access, regular saver and fixed term accounts to meet your individual savings goals.

In order to help you choose what ISAs suit your needs we have developed our CustomISA Calculator.

For more information on how to use the CustomISA Calculator and to understand how CustomISA could help you, view the videos below.

Our ISAs

We change our products regularly; to keep up to date with new product releases, sign up to our newsletter.

Sir Bobby Robson Foundation ISA (Issue 6)

up to 1.00%
GROSS/AER*
  • An attractive variable rate of interest.
  • Invest from only £1; transfers from other ISA providers are also permitted.
  • Withdrawals are permitted penalty free and without notice.
  • The Society will pay an additional 0.10% on all balances held in this account to the Sir Bobby Robson Foundation.
 Show Details & Apply Hide Details

Important Information:
Remember, once you've reached your tax free savings limit, you cannot put any more money into your account - even if you've withdrawn funds during the year.

General Savings Terms and Conditions - We strongly recommend you print and retain a copy. Savings Guide - a helpful guide to show you what you can do with your new accountNeed more assistance? Speak to an advisor on 0345 734 4345

Summary Box - Key Product Information for our Savings Account

Account Name Sir Bobby Robson Foundation ISA (Issue 6)
Interest Rates
Annual (Variable)
1.00% Gross/AER*
Monthly (Variable)
1.00% Gross*/1.00% AER*
Tax Status Interest will be paid Gross*.
Conditions for bonus payment No bonus is applicable.
Withdrawal arrangements Penalty free without notice.
Access By branch, by post or online.
  Additional Information
Annual Interest Payment Annually on Account Anniversary.
Monthly Interest Payment Monthly Anniversary of Account opening.
Minimum Balance £1
Maximum Balance Allowance for current tax year.
Transfers from other ISA providers are also permitted.

Product Special Conditions

The Newcastle's General Savings Terms & Conditions will apply unless they are inconsistent with these Special Conditions, effective from the date of the account opening.

  1. The Account is a variable rate account.
  2. The Account can be operated in branch, by post or online. You will continue to operate your account in the manner in which it was opened.
  3. The Account can be held in a single name only.
  4. After placing your Investment in the Account you may make unlimited further deposits or withdrawals subject to the minimum and maximum balances and withdrawal terms shown above.
  5. The Account is a limited issue and may be withdrawn to new applicants at any time and at short notice.
  6. Interest is calculated daily and is paid on the Account Annual Anniversary or monthly Anniversary.
  7. 'Account Anniversary' means twelve months from account opening and each subsequent twelve month period, for the annual interest payment. 'Monthly Anniversary' is taken from the date of account opening. For example if the Account is opened on the 27th January, the Monthly Anniversary is the 27th of each subsequent month.
  8. Should the Anniversary be a business day then any monthly interest paid to a third party will be paid on that day. Otherwise it will be paid on the following business day.
  9. If any monthly interest payable is less than £1, it will not be paid away to a third party bank or building society. The amount due will be accrued on the account and will be paid once the cumulative interest earned is greater than £1, on the last business day of the following month.
  10. Interest can be paid to your account, or to a third party bank or building society account.
  11. You must be aged 16 or over to open this account.
  12. The Society will pay 0.10% of the average balance held in all Sir Bobby Robson Foundation ISA's at the end of each month, to the Sir Bobby Robson Foundation annually. For illustrative purposes this translates as £10 per £10,000 invested each year.
  13. Details are correct as at 9th June 2014.

The Sir Bobby Robson Foundation Newcastle upon Tyne Hospitals NHS Charity (Reg. 1057213).

Newcastle Two Year Fixed Rate ISA (Issue 9)

up to 1.50%
GROSS/AER*
  • Fixed rate of interest until February 2018
  • Withdrawals are permitted subject 120 days loss of interest
  • Available with our CustomISA facility.
 Show Details & Apply Hide Details

Transferring your ISA's: You can transfer all your other ISA's held elsewhere to Newcastle ISA accounts so all your ISA's can benefit from our highly competitive rates.

Important Information: Remember, once you've reached your tax free savings limit, you cannot put any more money into your account - even if you've withdrawn funds during the year. Withdrawals from this ISA are subject to 120 days loss of interest.

General Savings Terms and Conditions - We strongly recommend you print and retain a copy. Savings Guide - a helpful guide to show you what you can do with your new accountNeed more assistance? Speak to an advisor on 0345 734 4345

Summary Box - Key Product Information for our Savings Account

Account Name Newcastle Two Year Fixed Rate ISA (Issue 9)
Interest Rates
Annual-Fixed (Gross/AER)
1.50%
Monthly-Fixed (Gross)
1.49%
Monthly-Fixed (AER)
1.50%
Tax Status Interest will be paid Gross*.
Bonus No bonus is applicable.
Withdrawal arrangements Withdrawals are permitted subject to 120 days loss of interest.
Access In branch, by post or online.
  Additional Important Information
Maturity Date 22nd February 2018
Interest Payment (Annually) 22nd February 2017 and on maturity (22nd February 2018)
Interest Payment (Monthly) Last business day
Minimum Balance £500
Maximum Balance Allowance for current tax year. Transfers from other cash ISA's providers are also permitted.

Product Special Conditions

The Newcastle's Savings General Terms & Conditions will apply unless they are inconsistent with these Special Conditions, effective from the date of the account opening.

  1. The Account is a fixed rate account.
  2. The Account can be operated in branch, by post or online.
  3. The minimum investment in the Account is £500. The maximum investment is your allowance for the current tax year. Transfers of previous and current years ISA subscriptions from other cash ISA's are also permitted.
  4. The Account can be held in a single name only.
  5. After placing your Investment in the Account you may make further deposits while the Account is a current issue, ISA limits apply. The Account is a limited issue and may be withdrawn at any time. We will not inform you when the Account becomes a closed issue. The Account is therefore not suitable for regular investments.
  6. Withdrawals can be made subject to 120 days loss of interest. If sufficient interest has not been earned then the penalty will be taken from your capital. For the avoidance of doubt closure of the Account or transfers to another account with the Society or to another provider are classed as withdrawals.
  7. On maturity the Account will automatically transfer to the Newcastle's designated Maturity Account. We will write to you at least 21 days prior to maturity to advise you of the Terms and Conditions of your new Account. Whilst we cannot guarantee what the rate on the Maturity Account will be at this time, we can confirm that the access terms will be no more onerous and the term will be no more than three months longer than this Account.
  8. Following the day of maturity you have 28 days in which to withdraw funds penalty free, thereafter the Maturity Account Terms & Conditions will apply.
  9. Interest is calculated daily and is paid on 22nd February 2017 and on maturity (22nd February 2018) or monthly.
  10. Should the final day of a calendar month be a business day then any monthly interest paid to a third party will be paid on that day. Otherwise it will be paid on the following business day. Any final monthly interest due on maturity will be credited to the Account.
  11. If any monthly interest payable is less than £1, it will not be paid away to a third party bank or building society. The amount due will be accrued on the account and will be paid once the cumulative interest earned is greater than £1, on the last business day of the following month.
  12. Interest can be paid to your Account or to a third party bank or building society account.
  13. Details are correct as at 22nd January 2016.

Newcastle Five Year Fixed Rate ISA (Issue 9)

up to 2.10%
GROSS/AER*
  • Fixed rate of interest until February 2021
  • Withdrawals are permitted subject 180 days loss of interest
  • Available with our CustomISA facility.
 Show Details & Apply Hide Details

Transferring your ISA's: You can transfer all your other ISA's held elsewhere to Newcastle ISA accounts so all your ISA's can benefit from our highly competitive rates.

Important Information: Remember, once you've reached your tax free savings limit, you cannot put any more money into your account - even if you've withdrawn funds during the year. Withdrawals from this ISA are subject to 180 days loss of interest.

General Savings Terms and Conditions - We strongly recommend you print and retain a copy. Savings Guide - a helpful guide to show you what you can do with your new accountNeed more assistance? Speak to an advisor on 0345 734 4345

Summary Box - Key Product Information for our Savings Account

Account Name Newcastle Five Year Fixed Rate ISA (Issue 9)
Interest Rates
Annual-Fixed (Gross/AER)
2.10%
Monthly-Fixed (Gross)
2.08%
Monthly-Fixed (AER)
2.10%
Tax Status Interest will be paid Gross*.
Bonus No bonus is applicable.
Withdrawal arrangements Withdrawals are permitted subject to 180 days loss of interest.
Access In branch, by post or online.
  Additional Important Information
Maturity Date 22nd February 2021
Interest Payment (Annually) 22nd February 2017, 2018, 2019, 2020 and on maturity (22nd February 2021)
Interest Payment (Monthly) Last business day
Minimum Balance £500
Maximum Balance Allowance for current tax year. Transfers from other cash ISA's providers are also permitted.

Product Special Conditions

The Newcastle's Savings General Terms & Conditions will apply unless they are inconsistent with these Special Conditions, effective from the date of the account opening.

  1. The Account is a fixed rate account.
  2. The Account can be operated in branch, by post or online.
  3. The minimum investment in the Account is £500. The maximum investment is your allowance for the current tax year. Transfers of previous and current years ISA subscriptions from other cash ISA's are also permitted.
  4. The Account can be held in a single name only.
  5. After placing your Investment in the Account you may make further deposits while the Account is a current issue, ISA limits apply. The Account is a limited issue and may be withdrawn at any time. We will not inform you when the Account becomes a closed issue. The Account is therefore not suitable for regular investments.
  6. Withdrawals can be made subject to 180 days loss of interest. If sufficient interest has not been earned then the penalty will be taken from your capital. For the avoidance of doubt closure of the Account or transfers to another account with the Society or to another provider are classed as withdrawals.
  7. On maturity the Account will automatically transfer to the Newcastle's designated Maturity Account. We will write to you at least 21 days prior to maturity to advise you of the Terms and Conditions of your new Account. Whilst we cannot guarantee what the rate on the Maturity Account will be at this time, we can confirm that the access terms will be no more onerous and the term will be no more than three months longer than this Account.
  8. Following the day of maturity you have 28 days in which to withdraw funds penalty free, thereafter the Maturity Account Terms & Conditions will apply.
  9. Interest is calculated daily and is paid on 22nd February 2017, 2018, 2019, 2020 and on maturity (22nd February 2021) or monthly.
  10. Should the final day of a calendar month be a business day then any monthly interest paid to a third party will be paid on that day. Otherwise it will be paid on the following business day. Any final monthly interest due on maturity will be credited to the Account.
  11. If any monthly interest payable is less than £1, it will not be paid away to a third party bank or building society. The amount due will be accrued on the account and will be paid once the cumulative interest earned is greater than £1, on the last business day of the following month.
  12. Interest can be paid to your Account or to a third party bank or building society account.
  13. Details are correct as at 22nd January 2016.
Create your own CustomISA Make the most of your ISAs, visit your local branch or call 03457 344 345 Customise your life How do I transfer my ISA to Newcastle Building Society?
Protecting your money; FSCS (Financial Services Compensation Scheme - find out more here
 
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