Please request an ISA application form if you wish to open a Cash ISA or Premier Cash  ISA available by telephone 01225 423271 or click onto one of the options on the right to contact us online

Minimum opening balance £1

Minimum operating balance £1

Interest is calculated daily and capitalised annually on 31st December.

Interest can be paid to your bank account by BACS (cleared funds in your bank account  3 working days after the period end), compounded or paid into another BIBS account

General ISA points…

What is an ISA (Individual Savings Account)

An individual can invest up to £3,600 in any one tax year in a Cash ISA.

• Subscriptions to Cash ISA’s count against the total annual ISA allowance of £7,200  (including investment in a Stocks and Shares ISA).
  
  
• You may only subscribe to one Cash ISA and one Stocks and Shares ISA in the same  tax year.
  
  
• You may transfer other Cash ISA funds that are in your name from previous years.  No partial transfers will be accepted. Minimum transfer of £1,000 required.
  
  
• Must be over 16 years old and resident in the UK or crown employee serving overseas  or married, or the civil partner of such a person.
  
  
• Stakeholder products meet Government standards on charging, access and terms.  Our ISAs are not Stakeholder products because of restrictions on withdrawals and  they do not track the Bank of England Base Rate. Stakeholder products are not  necessarily better.