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Chelsea Building Society Fixed Rate ISAs

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The current ISA allowance is £20,000. Use our cash ISA tables below to compare a selection of market-leading cash ISAs for instant access, fixed rates and alternative ideas to maximise your tax free returns

Review of Chelsea Building Society Fixed Rate ISA

Chelsea Building Society, part of the Yorkshire Building Society, do not currently offer any fixed rate ISAs. They do, however, have some good savings options which includes the government backed ‘Help to Buy’ ISA.

Accounts currently available:

1) e-ISA – Issue 4

Save up to a maximum of £20,000, on your ISA allowance and pay no interest on what you earn. With a competitive rate of interest, this account is a good option for people who need to access their money whenever they like and can’t commit to a fixed term or for people who want to be able to transfer money to any bank or building society easily.

There is no loss of interest for making withdrawals, though withdrawals lose their tax-free status unless they are transferred to another cash ISA. This account includes:

  • Interest which is paid annually in to your account.
  • Internet banking so you can manage your savings online.

The account can be maintained as long as there is a ten pound minimum balance.

2) Help to Buy: ISA

You can open this Cash ISA with up to £1,200 in the first calendar month and save up to £200 per calendar month after that. The duration of a calendar month is at the start to the end of each month.

It’s a successful scheme which is designed to help first time buyers saving for their first UK residential property.

With any Help to Buy ISA, you will benefit from a Government bonus on your savings. 

  • A minimum bonus being £400 based on savings of £1,600 with a maximum bonus of £3,000 based on £12,000 saved. 

This account has one of the highest rates of interest among the help to buy ISAs. While withdrawals are permitted, you won’t qualify for the government bonus so it’s best to only put in what you can afford.

It’s also important to remember that ISA allowance limits apply to everyone on an individual basis. So if you’re married or in a relationship, you can both hold your own ISA, each with the full allowance. This includes the Help To Buy ISA as you will both be eligible for the bonus, provided you are both first time buyers.

ISAs have become less popular since the new PSA (Personal Savings Allowance) has allowed lower rate tax payers to save up to £1000 tax-free and higher rate tax payers up to £500. As many current accounts are now offering competitive rates of interest, many people are moving away from ISAs.

As your tax-free amount is much higher in an ISA, there are still opportunities for savers to make the most out of their money.

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Investment ISA Pros and Cons

7th August 2020

The tax-free returns offered by an Investment ISA (otherwise known as a Stocks and Shares ISA) can be very tempting at first glance - however, as with any investment, it is important to weigh up the pros and cons. So we've put together a list of what you need to consider before opening your own Stocks and Shares ISA account. 

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