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ISAs

We have two kinds of cash ISA. Fixed Rate Cash ISAs give you a fixed interest rate for a set time, but you have restricted access to them. Cash ISAs have a variable rate of interest, but are instant access (and stay open for as long as you like).

Compare ISAs

smile Cash ISA Fixed Rate Cash ISA fixed until 31/10/2018 Fixed Rate Cash ISA fixed until 31/10/2019
Minimum opening balance £1 £5,000 £5,000
Type of interest Variable Fixed Fixed
Tax-free / AER for smile current account customers 0.37% 0.90% 0.95%
Tax-free / AER for non-smile current account customers 0.18 0.90% 0.95%
Interest paid Annually on 5 April Annually on 31 October Annually on 31 October
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smile Cash ISA
Minimum opening balance £1
Type of interest Variable
Tax-free / AER for smile current account customers 0.37%
Tax-free / AER for non-smile current account customers 0.18%
Interest paid Annually on 5 April
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Fixed Rate Cash ISA fixed until 31/10/2018
Minimum opening balance £5,000
Type of interest Fixed
Tax-free / AER for smile current account customers 1.10%
Tax-free / AER for non-smile current account customers 1.10%
Interest paid Annually on 28 June
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Fixed Rate Cash ISA fixed until 31/10/2019
Minimum opening balance £5,000
Type of interest Fixed
Tax-free / AER for smile current account customers 1.25%
Tax-free / AER for non-smile current account customers 1.25%
Interest paid Annually on 28 June
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Unanswered questions?

    Help for existing customers

    Get extra information about applications, rates and accessing your savings account.

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    Co-operative Bank

    We’re part of The Co‑operative Bank, and we share the same ethical values too.

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

    The Co‑operative Bank reserves the right to decline any application.

    References to tax are based on our understanding of current tax regulations - these may change and depend on the customer’s individual financial circumstances.

    You can subscribe to a smile/Co‑operative Bank/Britannia Cash ISA if you have not subscribed to another cash ISA with another provider in the current tax year.