ISAs

Choose a tax-free savings account, with the choice of either a fixed rate or instant access ISA.

  • Open an ISA from as little as £1 and deposit up to £20,000 in the 2019/2020 tax year
  • Make the most of your ISA balances from previous tax years by transferring in existing cash ISAs you have with us or other providers.
  • ISA stands for Individual Savings Account and therefore can only be held in a sole name.
britannia logo

Britannia savings with The Co-operative Bank

Britannia is a trading name of The Co-operative Bank plc and this allows customers to take advantage of even more savings products.


    • Earn a fixed rate of interest, with a choice of 2 maturity dates available.
    • Open an account with between £5,000 and £20,000 for the 2019/2020 tax year.
    • No further deposits are allowed into this account after the product has been withdrawn, so if you are depositing less than your annual ISA limit this will restrict the amount you can hold in a cash ISA in this tax year.
    • You can also open an account for £1 if you're transferring your previous years' cash ISA only with Britannia or another provider.
    • You can make withdrawals before the account reaches maturity by post or in branch, but you'll lose 180 days' worth of interest on the amount you withdraw.
    • Once your account matures your money will be transferred to a variable rate instant access cash ISA.

    To apply, you need to be:

    • A UK resident (for tax purposes).
    • 16 or over.

    Approval is based on an assessment of your personal circumstances.


    Learn more

    • Earn 0.75% tax-free AER variable, paid annually.
    • Open an account with £1.

      Get the option to choose your current tax year’s ISA allowance (up to £20,000) and/or transfer in ISA allowances from previous tax years’.

    • Manage your savings anytime, anywhere with our online banking and mobile app.
      • You cannot deposit or withdraw cash and/or cheques from this account.

    Instant access

    This is a type of savings product that lets you make deposits and withdrawals anytime.

    To apply, you need to be:

    • A UK resident (for tax purposes).
    • 16 or over.
    • Registered and apply through our online banking.
    • A Co-operative Bank current account customer.
    • You can have either a Co-operative Bank Current Account, Current Account Plus, Privilege Current Account, Privilege Premier Current Account, Student Current Account, Cashminder Account, Everyday Extra Current Account or any other account we specify in the future.

    Approval is based on an assessment of your personal circumstances.


    Learn more

    • Earn 0.56% tax-free AER variable, paid annually.
    • Open an account with £1.

      Get the option to choose your current tax year’s ISA allowance (up to £20,000) and/or transfer in ISA allowances from previous tax years’.

    • Access your account online, using our mobile app, in branch or over the phone, and deposit cheques at your local Post Office®.

    Instant access

    This is a type of savings product that lets you make deposits and withdrawals anytime.

    To apply, you need to be:

    • A UK resident (for tax purposes).
    • 16 or over.

    Approval is based on an assessment of your personal circumstances.


    Learn more

    • An account designed just for additional allowances.
    • Earn tax-free interest of 0.56% tax-free AER variable on your additional allowance.
    • Make withdrawals whenever you want.
    • Access your account and make deposits by post or by visiting us in branch.

    To apply, you need to be:

    • A UK resident (for tax purposes).
    • Aged 16 or over.
    • A spouse or civil partner of a deceased Co-operative Bank, smile or Britannia cash ISA customer who you lived with at the time of their death.

    Learn more

Compare our ISAs

Compare our rates, ISA features and see which one could be right for you.

Britannia Fixed Rate Cash ISA fixed until 30/09/2020
Interest paid annually
1.50% Tax-free / AER
Britannia Fixed Rate Cash ISA fixed until 30/09/2021
Interest paid annually
1.60% Tax-free / AER
Online Cash ISA
Interest paid annually
0.75% Tax-free / AER
Find out more
Cash ISA
Interest paid annually
0.56% Tax-free / AER
Find out more
Britannia Additional Allowance ISA
Interest paid annually
0.56% Tax-free / AER
Find out more

Tools

Our savings tools can help you plan a budget and learn more about our ISAs.

ISA allowances and information

Read more about ISAs and how to transfer an existing cash ISA to us.

Learn more

Help for existing customers

Help and information about savings accounts for our existing customers.

Learn more

Any reference to tax is based on our understanding of current tax regulations which may change in the future and depends on your individual financial circumstances.

The Co-operative Bank reserves the right to decline or accept any application and/or deposit.

  • Remember you can subscribe to a Co-operative Bank/ Britannia Cash ISA as long as you have not subscribed to another cash ISA with another provider in the current tax year.

smile, The Co-operative Bank and Britannia are trading names of The Co-operative Bank plc, which is a member of the Financial Services Compensation Scheme (FSCS).