• One lump sum of £3,600 or £5,100 (if born on or before April 5th 1960) is required to open and operate your account.  Investments can only be made in year 1, whilst the account is open to new investments
• You cannot make more investments during the current tax year unless transferring previous subscriptions
• You can only invest in one cash ISA each tax year
• ISA transfers are accepted into this account subject to a minimum transfer value of £15,000
• Monthly interest option available
• Customers can now top up their ISA to the increased subscription limit of £5,100 for the remainder of the current tax year from 6th October 2009 (if born on or before April 5th 1960) if they have not invested in another cash ISA this year.

• Year 1 is from 29th January 2010 to 5th April 2011
• Year 2 is from 6th April 2011 to 5th April 2012
• Year 3 is from 6th April 2012 to 5th April 2013

• Minimum 16 and resident in the UK for tax purposes

• Coins totaling less that £25 will be accepted if sorted and bagged in Branch or Agency only
• Cash and coins not accepted by post
• You can also transfer in previous years ISA subscriptions whilst the product remains open to new investments subject to terms and conditions. The minimum balance that can be transferred in from another ISA account is £15,000.
• Transfers are allowed from other Stroud & Swindon ISA accounts into this account, provided you have not invested in another Stroud & Swindon ISA this year. Please note you cannot carry out a partial transfer from a Stroud and Swindon Cash ISA, the full balance must be transferred.
• You cannot make deposits or transfers into this account after it is closed to new investments.
• You can only invest in one Cash ISA each tax year provided you have not invested your full ISA allowance into a Stock and Shares ISA.

• Subject to the notice period or equivalent gross interest charge for immediate access on the amount withdrawn.
• Cheques must be deposited for 6 banking days following receipt before a withdrawal can be made against them.
• 1 BACS withdrawal per day applies to this account.

• Withdrawals do not affect the subscription limits of the ISA. If you have subscribed the maximum permitted in the tax year, you cannot make any further deposits regardless of the withdrawals made.

• Interest is credited annually to the account on 1st April, or monthly on the 1st of the month after you open the account.
• Interest rates on this account are fixed and interest is calculated on a daily basis.
• Annual interest can be added to this account, transferred to another Society account you hold, paid to another UK bank or building society account you hold. Monthly interest cannot be added to the account and must be transferred to another (non ISA) Society account or another bank or building society account.

• Go to our Apply for a Savings Account Page
• Download a copy of our full Account Terms & Conditions from our Savings Leaflet Library

Please Note:  We are unable to accept ISA transfers using the Online Application please call 08457 25 24 23 for assistance.