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30 Day Notice Cash ISA

Available from 6th April 2008
 
30 Day Notice Cash ISA Savings Account
Min Investment Amount
Investment Amount
Gross (%)
AER (%)
£100
With Bonus*
£100 to £3,000
5.50
5.50
Without Bonus
(standard account rate)
£100 to £3,000
4.80
4.80

Previous Rates - 30 Day Notice Cash ISA

Rates effective from 1 May 2008

* 0.70% bonus applicable for the first year your account is open.

Tax free savings

This Individual Savings Account offers a flexible approach to tax-free savings.

Features
  • You may make withdrawals at any time subject to 30 days notice or the account will be subject to a 30 day gross interest penalty charge
  • Interest will be paid without the deduction of income tax provided that the ISA terms have been fully met
  • £100 Minimum initial investment required to open and operate the account via our Direct channel. £1 Minimum initial investment required to open and operate the account via any Branch or Agency
  • You can add to your savings at any time up to the maximum investment limit of £3600 each tax year
  • If you have reached your investment limit for the year, even if your balance drops, you may not make any further investments
  • A maximum of £3,600 can be deposited each tax year
  • You can only invest in one Cash ISA each tax year
  • Interest calculated on a daily basis and credited annually to the account at midnight on 1st April
Age restriction:
  • Minimum 16
Restrictions on deposits:
  • Coins not accepted
Withdrawals (Direct Accounts):

Any cheques deposited must be cleared before a withdrawal can be made on them.  
  • Minimum withdrawal is £100
  • Withdrawals subject to 30 days notice or a 30 day gross interest charge.
  • Withdrawals will be transferred direct to your bank or building society account via BACS (Bank Automated Clearing System)
  • Withdrawals can be arranged by telephoning us with your request or using our Freepost service
Withdrawals (Branch Accounts):

Any cheques deposited must be cleared before a withdrawal can be made on them.  
  • Cheque withdrawals over £10 can be arranged at any branch
  • Withdrawals subject to 30 days notice or a 30 day gross interest charge.

Interest:

  • Interest will be paid without the deduction of income tax provided that the ISA terms have been fully met
How do I open a 30 Day Notice Cash ISA?
Net rates assume the lower rate of income tax of 20%. These figures are rounded and are for illustrative purposes only.

AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if the interest was paid and compounded each year.

GROSS:
The gross contractual rate of interest before the deduction of tax at the appropriate rate specified by law. Interest will be paid gross to non-taxpayers subject to the required HM Revenue & Customs certification (R85).
© 2008. Stroud & Swindon Building Society, Rowcroft, Stroud, Gloucestershire GL5 3BG

Member of the Building Societies Association and subscriber to The Banking Code. The Society is authorised and regulated by the Financial Services Authority (www.fsa.gov.uk/register/) (registration number 164588) and introduces only to the Norwich Union Marketing Group, members of which are authorised and regulated by the Financial Services Authority. Any financial advice given will relate only to the products and services of the Society and Norwich Union.
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