Fixed Rate ISA to 31.01.27

Fixed Rate ISA to 31 January 2027.

When you’re ready to open your account, simply download and complete an application form.

The fixed rate below applies from 2 December 2024:

£1,000 plus – 4.00% Tax Free / AER fixed until 31 January 2027.

Interest is calculated daily and paid annually on 5 April and again on closure. 

When you’re ready to open your account, simply download and complete an application form.

The interest rate on your account is fixed and won't change before 31 January 2027.

When you’re ready to open your account, simply download and complete an application form.

The balance at the end of the fixed rate term based on a deposit of £1,000 with an interest rate of 4.00% Tax Free / AER (fixed) would be £1,089.03.

This estimation is an example only and assumes:

• the account is opened on 2 December 2024;
• there are no additional deposits or withdrawals made;
• interest is paid gross and added to the account annually on 5 April and again on account closure (on 31 January 2027); and
• there is no change to the interest rate. 

This estimation is only an example and does not take into account individual circumstances. 

When you’re ready to open your account, simply download and complete an application form.

You can open an account at any of our branches without an appointment, or through the post by sending us a completed application form with a cheque payable to yourself for your initial deposit. Application forms can be posted to you on request, collected in branch, or printed from our website. To view our acceptable identification, please click here.

The account is available for anyone aged 18 or over. Joint accounts cannot be opened. 

The account is only available for UK residents, and your National Insurance Number will be needed at the time of account opening. 

The minimum amount to open this account is £1,000. You must have at least £1,000 to keep the account open. Opening balances made by electronic payment, must be sent within 14 days of opening your account, or the account will automatically be closed. The maximum amount that can be held in this account is £250,000. 

You can add money to your account within 14 days from opening. After this, you cannot add money to your account until 1 February 2027. 

The ISA allowance for this tax year is £20,000, which can be split between Cash and Stocks and Shares ISAs. Please note, we do not provide Stocks and Shares ISAs at the Tipton and we do not allow transfers in from Stocks and Shares ISAs. You can only pay into one ISA per tax year with ourselves.

We can only accept the transfer in of current years subscriptions if they are transferred to us in full, you may however transfer part of previous year subscriptions.

You can view your balance and recent transactions on the Tipton App, available in the Google Play Store and Apple Store.

When you’re ready to open your account, simply download and complete an application form.

No part withdrawals or part transfers out are allowed, including withdrawals of any interest. 

Closing your account or transferring your ISA to another provider in full is allowed without notice, however there will be a charge of 180 days interest. If you have not earned enough interest to pay this charge, the difference will be taken from the balance in your ISA. 

We will contact you at least 14 days before 31 January 2027, to give your options for maturity. If we don't hear back from you before 31 January 2027, we will automatically rollover your account to another cash ISA in our range, which could include another Fixed Rate ISA. If you choose any other option, this will be processed on the next working day after 31 January 2027. 

When you’re ready to open your account, simply download and complete an application form.

Interest is paid without tax deducted. 

If you decide within 14 days of opening, that this isn't the right account for you, you can have your money back without charge. We'll arrange to close the account and return your money or transfer your funds to another of our savings accounts.

The Tipton offer a range of savings accounts on a non-advised basis. There may be another savings account which may have a higher rate of interest and/or be better suited to your personal needs. Please speak to a member of the team for other product information.

Interest rates explained:

• Tax-Free - Interest earned on ISAs is tax free as long as the statutory conditions of the scheme are not breached. Tax treatment depends on your individual circumstances and may be subject to change in the future. We’ll notify you if, by reason of any failure to satisfy the provisions of the ISA Regulations, an ISA has, or will, become void. Any tax due on interest paid will be debited to the account on closure. Where a break between subscriptions lasts for a whole tax year you must make a new application before you can continue subscriptions. None of the rights of the account holder in respect of the ISA may be assigned or used as security for a loan. Tax assumptions are based on current legislation. The favourable tax treatment may not be maintained as it is the Government that is responsible for the tax treatment. Cash ISAs can remain open following the death of an account holder but will be closed when the deceased’s estate is finalised. An account will cease to be a Cash ISA if the account holder becomes bankrupt. Where we are instructed by the member or HM Revenue & Customs to cancel an ISA due to breaches of regulations, any interest paid will not be exempt from tax.
• AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

This product may be withdrawn at any time.

Issue date: 2 December 2024

Please find our ISA Terms and Conditions here.

When you’re ready to open your account, simply download and complete an application form.

Fixed Rate ISA to 31 January 2027 (Mobile App Account)

When you're ready to open your account, simply visit the Tipton App to find out more.

The fixed rate below applies from 2 December 2024:

£1,000 plus – 4.00% Tax Free / AER fixed until 31 January 2027.

Interest is calculated daily and paid annually on 5 April and again on closure.

When you're ready to open your account, simply visit the Tipton App to find out more.

The interest rate on your account is fixed and won't change before 31 January 2027. 

When you're ready to open your account, simply visit the Tipton App to find out more.

The balance at the end of the fixed rate term based on a deposit of £1,000 with an interest rate of 4.00% Tax Free / AER (fixed) would be £1,089.03.

This estimation is an example only and assumes:

• the account is opened on 2 December 2024;
• there are no additional deposits or withdrawals made;
• interest is paid gross and added to the account annually on 5 April, and on account closure (on 31 January 2027); and
• there is no change to the interest rate. 

This estimation is only an example and does not take into account individual circumstances. 

When you're ready to open your account, simply visit the Tipton App to find out more.

You can open the account via the Tipton App only, available in the Google Play Store and Apple Store. 

To open and operate your account with the Tipton App, you will need to choose a bank account as your nominated bank account. This means all deposits into your Fixed Rate ISA must come from this nominated bank account. All withdrawals must also be sent to this nominated account. 

The account is available for anyone aged 18 or over. Joint accounts cannot be opened. 

The account is only available for UK residents, and your National Insurance Number will be needed at the time of account opening. 

The minimum amount to open this account is £1,000. You must have at least £1,000 to keep the account open. Opening balances must be made by electronic payment from your nominated bank account, and must be sent within 14 days of opening your account, or the account will automatically be closed. The maximum amount that can be held in this account is £100,000. 

You can add money to your account within 14 days from opening. After this, you cannot add money to your account until 1 February 2027. 

The ISA allowance for this tax year is £20,000, which can be split between Cash and Stocks and Shares ISAs. Please note, we do not provide Stocks and Shares ISAs at the Tipton and we do not allow transfers in from Stocks and Shares ISAs. You can only pay into one ISA per tax year with ourselves.

We can only accept transfers in of current years subscriptions if they are transferred to us in full, you may however transfer part of previous year subscriptions.

When you're ready to open your account, simply visit the Tipton App to find out more.

No part withdrawals or part transfers out are allowed, including withdrawals of any interest. 

Closing your account or transferring your ISA to another provider in full is allowed without notice, however there will be a charge of 180 days interest. If you have not earned enough interest to pay this charge, the difference will be taken from the balance in your ISA. 

We will contact you at least 14 days before 31 January 2027, to give your options for maturity. If we don't hear back from you before 31 January 2027, we will automatically rollover your account to another cash ISA in our range, which could include another Fixed Rate ISA. If you choose any other option, this will be processed on the next working day after 31 January 2027. 

When you're ready to open your account, simply visit the Tipton App to find out more.

Interest is paid without tax deducted. 

If you decide within 14 days of opening, that this isn't the right account for you, you can have your money back without charge. We'll arrange to close the account and return your money or transfer your funds to another of our savings accounts.

The Tipton offer a range of savings accounts on a non-advised basis. There may be another savings account which may have a higher rate of interest and/or be better suited to your personal needs. Please speak to a member of the team for other product information.

Interest rates explained:

• Tax-Free - Interest earned on ISAs is tax free as long as the statutory conditions of the scheme are not breached. Tax treatment depends on your individual circumstances and may be subject to change in the future. We’ll notify you if, by reason of any failure to satisfy the provisions of the ISA Regulations, an ISA has, or will, become void. Any tax due on interest paid will be debited to the account on closure. Where a break between subscriptions lasts for a whole tax year you must make a new application before you can continue subscriptions. None of the rights of the account holder in respect of the ISA may be assigned or used as security for a loan. Tax assumptions are based on current legislation. The favourable tax treatment may not be maintained as it is the Government that is responsible for the tax treatment. Cash ISAs can remain open following the death of an account holder but will be closed when the deceased’s estate is finalised. An account will cease to be a Cash ISA if the account holder becomes bankrupt. Where we are instructed by the member or HM Revenue & Customs to cancel an ISA due to breaches of regulations, any interest paid will not be exempt from tax.
• AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

This product may be withdrawn at any time.

Issue date: 2 December 2024

Please find our ISA Terms and Conditions here. 

When you're ready to open your account, simply visit the Tipton App to find out more.