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Compare Nottingham Building Society ISAs

Compare ISAs from Nottingham Building Society and other ISA options available.

Investment ISAs put your capital at risk & you may get back less than you originally invested

What you're looking for isn't available; however, these brands may offer suitable alternatives

Stocks & Shares ISA

from Nutmeg

Allows ISA Transfers
  • Fund Choice: Nutmeg offer 4 diversified portfolios with ETFs, using technology to keep charges low.
  • Invest From: Min. £500 single

Stocks & Shares ISA

from AJ Bell

Allows ISA Transfers
Regular Savings
  • Fund Choice: Wide range of stocks and shares, over 2,000 funds (unit trusts and OEICs), investment trusts and ETFs. Capital at risk.
  • Invest From: £25 pm

Stocks & Shares ISA

from Interactive Investor

Allows ISA Transfers
Regular Savings
  • Fund Choice: Access 40,000+ UK, US and international shares on 17 global exchanges. Choose from over 3,000 funds. Special offer: Open an ISA with £1,000 or more before Sunday and be in with a chance to win £100 of free trades. New customers only. Terms apply. Capital at risk.
  • Invest From: £25 pm
See Deal Special offer: Transfer an ISA worth £10,000 or more before 30 June and get £100 cashback. New customers only. Terms apply. Capital at risk.

Stocks & Shares ISA

from Hargreaves Lansdown

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from over 3,000 funds, shares, investment trusts and more to build your portfolio. Capital at risk.
  • Invest From: £25 pm or £100 lump sum

Stocks & Shares ISA

from Best Invest

ISA Option
Allows ISA Transfers
Regular Savings
  • Fund Choice: Over 2,500 funds, UK shares, investment trusts and ETFs or choose Ready Made & Managed Portfolios
  • Invest From: No minimum

Stocks & Shares ISAs

from Fidelity

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from over 4,000 investment options, including one of the widest fund ranges in the UK. With online guidance tools and expert fund ideas to help you choose. Capital at risk
  • Invest From: £25 pm

Stocks & Shares ISA

from Fineco

Allows ISA Transfers
  • Fund Choice: A complete multi-currency platform with low fees. Premium trading without premium prices. Choice of worldwide asset managers.
  • Invest From: £100
See Deal Zero Platform Fees - Until the end of the 2022/23 tax year if you open your ISA by 30 April 2022. 0.25% max when promo ends.

Stocks & Shares ISA

from Wealthify

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose your risk profile and have an investment Plan built and managed for you.
  • Invest From: £1

Stocks & Shares ISA

from Shepherds

Allows ISA Transfers
Regular Savings
  • Fund Choice: Invest in the Shepherds With Profits Fund which offers medium to low risk investing, with the aim of growing your money in a smooth manner over the long term.
  • Invest From: £30 pm

Stocks & Shares ISA

from Moneyfarm

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose your risk profile and have it matched to an investment portfolio expertly built and managed.
  • Invest From: £1,500
See Deal Up to £400 for all new users that create an account until the end of April

Stocks & Shares ISA

from InvestEngine

Allows ISA Transfers
Regular Savings
  • Fund Choice: Offering commission-free DIY investing or low-cost, professionally managed income or growth portfolios built for you
  • Invest From: £100

My Choice ISA

from Scottish Friendly

Allows ISA Transfers
Regular Savings
  • Fund Choice: A choice of 10 funds so you can pick those that best suit your needs, whether that is just one, a mixture of all 10 or somewhere in between.
  • Invest From: £10pm

Stocks & Shares ISA

from Beanstalk

Allows ISA Transfers
  • Fund Choice: Choose from two funds: a cash fund that aims to provide returns in line with money market rates and a shares fund that aims to track the performance of global stock markets.
  • Invest From: £10

Stocks & Shares ISA

from Willis Owen

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from a wide range of funds, shares, investment trusts and ETFs. Tax treatment depends on the individual circumstances of each client and may be subject to change in the future.
  • Invest From: £25

Investment ISA

from Barclays Smart Investor

Allows ISA Transfers
Regular Savings
  • Fund Choice: Invest in over 2,000 funds, plus Exchange Traded Funds, Investment Trusts, Shares and more. 5 Ready-made Investment funds if you’re not sure where to invest. Capital at risk.
  • Invest From: Any amount

Who are Nottingham Building Society?

Nottingham Building Society, also known as The Nottingham, were originally founded in 1849.

They still operate branches in several counties across the UK, and also provide some of their financial services online that range from mortgages and insurance products to savings accounts.

One of the savings accounts Nottingham offer is a Cash ISA available in multiple forms, varying based on interest rates available and your flexibility for withdrawals.

What is an ISA account?

An ISA account is a type of savings account that protects your investments from UK taxes.

When you invest in a regular savings or investment account, there are two main types of tax that you’ll be subject to:

  1. Income tax
  2. Capital gains tax

You normally pay income tax on the interest you earn in a cash savings account and on dividends you receive from stock investments you hold.

Capital gains tax is paid on the growth of any stock investments you’ve bought when you come to sell them. If you’ve made a profit, you could pay tax on that figure.

What’s the difference between a Cash ISA and a Stocks and Shares ISA?

Cash ISAs

  • Cash ISAs keep your savings as cash, and you earn a fixed or variable rate of interest on your balance
  • Your savings cannot fall in value, but you may be restricted in terms of how often or how soon you can withdraw

Stocks and Shares ISAs

  • Stocks and Shares ISAs give you access to invest in the stock market, tax-free
  • You can create a stock portfolio yourself, or invest in a ready-made portfolio managed by professionals
  • Your investments can go down as well as up in value, so you could lose money in a Stocks and Shares ISA
  • You can usually withdraw as and when you please, and the process takes roughly one week

What type of ISA is a Nottingham Building Society ISA?

Nottingham Building Society offer two main types of Cash ISA accounts, and do not currently provide a Stocks and Shares ISA:

  • Fixed-rate ISAs
  • Variable-rate ISAs (also known as instant-access ISAs)

Fixed-rate ISAs provide you with guaranteed rate of interest for the fixed term of your investment.

Fixed interest rates are generally higher compared to instant-access ISAs, but you are penalised if you withdraw before the end of your term. Fixed interest terms range from between 1 and 5 years, and the longer your term, the higher interest rates you’ll be applicable for.

Nottingham BS’s instant-access ISAs, however, are more flexible accounts. The interest rate they provide is lower and can fluctuate, but you can withdraw whenever you like, free of charge.

How do I open a Nottingham Building Society ISA?

To open a Nottingham BS ISA, you will need to speak to your local branch, either in person or by telephone.

You must be over 16 and a UK resident to open a Nottingham Building Society ISA account.

Can I transfer my ISA into a Nottingham Building Society ISA?

You can transfer any of your old ISAs to a new or existing Nottingham Building Society ISA by completing an ISA transfer form.

Make sure you check with your previous provider whether there are any penalties or charges for transferring out.

ISA transfers do not count towards your ISA allowance. This means you can transfer as many ISAs as you wish to a new ISA in the same tax year without worrying about exceeding the £20,000 ISA contribution limit.

However, make sure you do not just withdraw your existing ISA and then add the money to your new ISA – it must be transferred with a transfer form through your new provider or your money will lose its ISA status and you might not be able to get it all back in.

What ISA rules do I need to be aware of?

Before you invest, it’s important to know some of the restrictions and limitations of ISA accounts so that you don’t accidentally break the rules.

Here are the fundamental ISA rules:

  • The current annual ISA allowance is £20,000 - don’t top up more than this amount.
  • You can fund both Stocks and Shares and Cash ISAs with your allowance, and split your savings between the two types.
  • You're not allowed to add money to more than one Cash ISA in the same tax year, or more than one Stocks and Shares ISA in the same tax year.
  • You can add money to multiple different Cash and Stocks and Shares ISAs as long as your contributions are spread across different tax years.
  • Your ISA allowance does not roll over – use it or lose it.
  • The ISA allowance refreshes on 6th April each year.
Sam Hodgson
Edited by Sam Hodgson - ISA.co.uk

Frequently Asked Questions

No. You can switch providers with an ISA transfer if you wish. You can also contribute to other ISA providers in separate tax years.

You can lose money in a Stocks and Shares ISA if your investments go down in value. You cannot lose money with a Cash ISA.

ISA accounts are authorised and regulated by the Financial Conduct Authority (FCA). This means that all ISA providers are covered by the Financial Services Compensation Scheme (FSCS) for up to £85,000 if they go out of business.

Please note that this may not apply to the underlying holdings within a Stocks and Shares ISA, and will not cover standard investment losses. 

Most providers will allow you to withdraw from your ISA online, via a mobile app, telephone, or by written instruction in the post.

Most ISA withdrawals will complete in approximately five working days, but they could take longer depending on the assets you need to sell.

The annual ISA allowance is set by HMRC each year, and the current limit is £20,000 per person for the 2022/23 tax year.

The annual ISA allowance runs in line with the normal tax year, which is 6th April to 5th April the following year. Your ISA allowance will refresh on 6th April each year.

A Stocks and Shares ISA provider will charge an ongoing, annual platform fee as well as some ad hoc charges.

A Cash ISA could also charge if you withdraw money before the end of a fixed-term investment.

Important Risk Information:

The value of investments can go down in value as well as up, so you could get back less than you invest. It is therefore important that you understand the risks and commitments. This website aims to provide information to help you make your own informed decisions. It does not provide personal advice based on your circumstances. If you are unsure of how suitable an investment is for you, please seek personal advice.