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once you've reached your tax free savings limit, you cannot put any more money into your account - even if you've withdrawn funds during the year.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

The Newcastle Big Home Saver ISA (Issue 3)

1.00% †
AER*
  • † An additional 1% bonus is paid for regular savers
  • Up to £1,000 cash reward on mortgage completion with the Newcastle
  • Save up to £1,270 per month
  • Available with our unique CustomISA service
 Show Details & Apply Hide Details

How does the account work?:
If you save £5,000 to £9,999 in this account and then purchase a house by taking a mortgage with the Society, we will pay you a £500 cash reward cheque on mortgage completion. If you save £10,000 or more we will pay you a £1,000 cash reward cheque on mortgage completion.

Start Saving Today:
The great thing about the Newcastle Big Home Saver account is that it can be opened with an investment of just one pound so it's easy to get started, and, what's more, for every month in which you make an investment and don't make any withdrawals, we'll pay you a bonus.

When you have saved your mortgage deposit you can choose a mortgage product from our current range available at that time. The offer of any mortgage product will be subject to meeting the terms and conditions of the product and our lending criteria. If for any reason you are unable to proceed with a mortgage a cash reward will not be paid. Please see below for full terms and conditions.

Once you've saved for your deposit our mortgage advisers will be happy to help you decide which mortgage is most suitable for you. Once you're ready to proceed please call our mortgage sales team on: 0345 734 4345.

Transfering your ISAs:
You cannot transfer other ISAs into this account.

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.

Summary Box - Key Product Information for our Savings Account

Account Name The Newcastle Big Home Saver ISA (Issue 3)
Interest Rates
Monthly (Variable, Including Bonus)
2.00% Gross/2.02% AER*
Monthly (Variable, Excluding Bonus)
1.00% Gross/1.00% AER*
Tax Status Interest will be paid Gross*
Conditions for bonus payment You must make at least one Deposit and make no withdrawals in each Bonus Qualifying Period.
Withdrawal arrangements Penalty free and without notice.
Access In branch, by post or online.
  Additional Information
Interest Payment Interest and Bonus are calculated daily and paid on Monthly Anniversary of Account opening
Minimum Initial Investment £1
Maximum Initial Investment £1,270
Minimum Monthly Investment £1
Maximum Monthly Investment £1,270
Minimum Account Balance £1
Maximum Account Balance £30,000

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 variable rate account
  2. The Account can be held in a single name only.
  3. The minimum initial investment in the Account is £1 the maximum is £1,270. The maximum investment in one tax year is your allowance for that tax year. ISA transfers in are not permitted.
  4. The minimum balance permitted in the account is £1, the maximum balance permitted in the account is £30,000.
  5. The Account can be operated in branch, by post or online.
  6. After placing your Investment in the Account you may make further Deposits. There is no limit to the number of Investments you can make in any one month; however the total value must not exceed £1,270 and the maximum ISA limit for the current tax year.
  7. The Account is a limited issue and may be withdrawn at any time. The Society reserve the right to withdraw this product for further Investments at any time. We will not inform you when the Account becomes a closed issue or closed for further deposits.
  8. If you save £5,000 to £9,999.99 in this account and a mortgage is completed with the Society, we will pay you a £500 cash reward via cheque upon completion of your mortgage. If you save £10,000 or more and a mortgage is completed with the Society we will pay you a £1,000 cash reward via cheque upon completion of your mortgage.
  9. This savings account does not guarantee you will be approved for a mortgage with the Society. To take a mortgage with the Society you will need to meet our standard lending criteria we will carry out credit checks and may obtain references to check your financial circumstances
  10. When you have saved your deposit you may choose a mortgage product from our current range available at that time. The offer of any mortgage product will be subject to meeting the terms and conditions of the product. If for any reason you are unable to proceed with a mortgage a cash reward will not be paid.
  11. Only one cash reward is payable per mortgage taken. If two or more Newcastle Big Home Savers/ISA’s are used to provide for the deposit for a house purchase, the cash reward will be split equally between the account holders. If two Newcastle Big Home Savers/ ISA’s are used together for a mortgage deposit the cash reward will paid based on the value of both accounts together.
  12. You must hold the Newcastle Big Home Saver/ISA for at least 12 months in order to receive a cash reward payment on the completion of a mortgage.
  13. Interest and bonus are calculated daily and credited to the Account on each Monthly Anniversary.
  14. ‘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.
  15. The bonus on your Account is variable.
  16. The bonus on your Account will be paid as long as you make at least one Deposit and make no withdrawals in each Bonus Qualifying Period
  17. A Bonus Qualifying Period is classed as the time between each Monthly Anniversary (for example if your account was opened 27th January 2014, the first Bonus Qualifying Period would be 27th January 2015 to 26th February 2015, the second would be 27th February 2015 to 26th March 2015 etc). If your Monthly Anniversary does not exist in a particular month the Monthly Anniversary date will be the final day of the month. For example if you open your account on 31st January 2015, your first Bonus Qualifying Period will end on 28th February 2015.
  18. A ‘Deposit;’ is defined as a minimum investment of £1.
  19. Withdrawals are available without notice or penalty.
  20. If you do not make an investment or make a withdrawal during a Bonus Qualifying Period, your account will be credited with the non-bonus interest rate, currently 1.00% Gross* / 1.00% AER** (variable), in that month
  21. Details correct at 07/04/2015.

Newcastle One Year Fixed Rate ISA (Issue 4)

up to 1.30%
GROSS/AER*
  • Fixed rate of interest until May 2016
  • Withdrawals are permitted subject to 90 days loss of interest
  • Available with our unique CustomISA service.
 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 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 90 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 One Year Fixed Rate ISA (Issue 4)
Interest Rates
Annual-Fixed (Gross/AER)
1.30%
Monthly-Fixed (Gross)
1.29%
Monthly-Fixed (AER)
1.30%
Tax Status Interest will be paid Gross*.
Bonus No bonus is applicable.
Withdrawal arrangements Withdrawals are permitted subject to 90 days loss of interest.
Access In branch, by post or online.
  Additional Important Information
Maturity Date 19th May 2016.
Interest Payment (Annually) On maturity (19th May 2016)
Interest Payment (Monthly) Last business day
Minimum Balance £500
Maximum Balance Allowance for current tax year. Transfers from other cash ISA's 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 90 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 maturity (19th May 2016) 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 2nd April 2015.

Newcastle Two Year Fixed Rate ISA (Issue 4)

up to 1.45%
GROSS/AER*
  • Fixed rate of interest until May 2017
  • Withdrawals are permitted subject 120 days loss of interest
  • Available with our unique CustomISA service.
 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 4)
Interest Rates
Annual-Fixed (Gross/AER)
1.45%
Monthly-Fixed (Gross)
1.44%
Monthly-Fixed (AER)
1.45%
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 19th May 2017
Interest Payment (Annually) 19th May 2016 and on maturity (19th May 2017)
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 19th May 2016 and on maturity (19th May 2017) 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 2nd April 2015.

Newcastle Five Year Fixed Rate ISA (Issue 4)

up to 2.00%
GROSS/AER*
  • Fixed rate of interest until May 2020
  • Withdrawals are permitted subject 180 days loss of interest
  • Available with our unique CustomISA service.
 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 4)
Interest Rates
Annual-Fixed (Gross/AER)
2.00%
Monthly-Fixed (Gross)
1.98%
Monthly-Fixed (AER)
2.00%
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 19th May 2020
Interest Payment (Annually) 19th May 2016, 2017, 2018, 2019 and on maturity (19th May 2020)
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 19th May 2016, 2017, 2018, 2019 and on maturity (19th May 2020) 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 2nd April 2015.
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? Guide to AEI
Protecting your money; FSCS (Financial Services Compensation Scheme - find out more here
 
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