Is my cash ISA Flexible?
It's isn't possible to replace funds that have been withdrawn from our Cash ISA's Learn more >
Can I open a joint Cash ISA?
Cash ISA’s can only be opened in the sole name of an investor. Learn more >
Do I need to open a new Cash ISA each tax year?
You don’t need to open a new Cash ISA every tax year. Learn more >
What happens if I put too much money in my Cash ISA?
If you put too much money in your smile Cash ISA, we’ll return the money to you either by paying the funds into another account held in your name with the Co-operative Bank or by cheque. Learn more >
How can I withdraw from my smile No-notice savings account?
Any cash machine will allow you to take money out, however some cash machines may charge you for withdrawals, but you will be advised of this upfront. Learn more >
Keeping your ISA account open
There are no minimum or maximum time restrictions, so you can keep it open for as long as you like. Learn more >
How should I refresh my ISA?
You can refresh your ISA by sending us a secure message on online banking or telephoning us. Learn more >
What is a personal savings allowance?
The Personal Savings Allowance (PSA) is the amount of tax-free interest you can earn on your savings each year, depending on what rate of tax you pay. Learn more >
Do I get an ATM card or deposit book with a cash ISA?
Our Cash ISA doesn't come with an deposit book or ATM card. Learn more >
What is the cash ISA allowance for the 2016/2017 tax year?
The maximum deposit limit for ISA's for the 2016/2017 tax year is £15,240 Learn more >
What should I do if I didn't pay into my Cash ISA in the last tax year?
If you didn’t make any deposits in the last year - then let us know. Learn more >
I'd like to pay into my smile Cash ISA. Do I need to open a new smile Cash ISA if I haven't paid into one in the last tax year?
You don’t need to open a new smile Cash ISA, but HM Revenue & Customs will need us to confirm some details with you. Learn more >
Receiving statements for your Cash ISA account
You'll receive an annual statement every year. Learn more >