For when choosing the right account gets too tough.
The 1.80% Fixed Rate e-ISA to 31/07/2018 is a tax-free Cash ISA available to you online. This new web-based account offers a tax-free rate of interest that is fixed until 31 July 2018.
View the demonstration of how you can manage your account online.
NB. This ISA is also available as a branch based account.
Find out more.
† Transfers of existing ISA subscriptions must be received within 30 days of the product being withdrawn from sale. Subject to annual ISA limits.
Note: This Cash ISA is a limited-offer product, which means it can be withdrawn without notice at any time. If you wish to make deposits into the ISA we recommend that you arrange this immediately to avoid disappointment. If you wish to transfer-in funds held with other ISA providers you should instruct the transfer immediately following successful completion of the account opening.
The Financial Conduct Authority is a financial services regulator. It requires us, Yorkshire Building Society trading as Chelsea, to give you this important information to help you to decide whether our Fixed Rate e-ISA account is right for you.
You should read this document carefully so that you understand what you are buying, and then keep it safe for future reference.
The product terms should be read with the General Terms and Conditions (General Terms). Together the Product Terms and General Terms explain how your account works.
It is important that you read all the terms applicable before you decide whether to open this account. Terms 10, 11 & 14 of the General Terms explain the circumstances in which we may change the interest rates, terms and conditions and charges relating to your account, and how we will tell you about the changes.
To qualify for one of our Cash ISAs, you must be 16 or over and resident in the UK, or be a qualifying Crown employee or married to a qualified Crown employee, or in a civil partnership with a qualifying Crown employee.
Fixed Rate e-ISA is an internet operated Cash ISA offering a fixed tax-free interest rate.
The minimum opening balance is £100. The maximum amount is currently £15,240 for 2015/2016, plus any ISA subscriptions from previous tax years. Please see ISAs explained.
On maturity your balance will be automatically transferred to an online instant access Cash ISA account (or Internet account). You may have the option to transfer the balance into another fixed rate ISA without the need to re-apply.
Fixed Rate e-ISA | Fixed until |
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1.80% tax-free pa/AER | 31 July 2018 |
The HM Revenue & Customs rules allow you to transfer from one ISA provider to another. If you wish to transfer savings held in a Cash ISA elsewhere to an e-ISA, you will need to apply for an account first.
Once your e-ISA has been opened, login to download a Transfer Request Form.
Please note: If you have already subscribed to another Cash ISA in the current tax year, please do not send an initial deposit with your completed application form.
Annual interest is payable on the same date each year until the end of the term and is added to the account.
Fixed Rate e-ISA | Annual interest paid | Interest paid until |
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1.80% tax-free pa/AER | 31 July 2016 31 July 2017 31 July 2018 |
31 July 2018 |
Interest will be paid free from tax unless you have breached HM Revenue & Customs rules.
You will be able to check your balance, interest rate and view statements showing transactions whenever you wish. We will advise you of the forthcoming maturity of your account, and generally communicate with you, via email. It is very important that you notify us if your email address changes.
You can change your contact details (postal address, email and telephone) when you are logged in. To change your name you will need to write, enclosing proof of the change, to Chelsea Building Society, Internet Savings Department, Timbercombe House, Charlton Kings Business Park, Cirencester Road, Cheltenham, Gloucestershire, GL53 8DZ.
Whilst Fixed Rate e-ISA offers many attractive features it is not based on the stakeholder minimum standards.
If you open a Fixed Rate e-ISA account and subsequently change your mind up to 14 days after the date the account is opened, we will close your account and repay your deposit, plus any interest you have earned. You will then be able to save in another Cash ISA in that tax year.
Call us on 0345 850 4041 for more details about closing your account. Alternatively, you can write to Chelsea Building Society, Internet Savings Department, Timbercombe House, Charlton Kings Business Park, Cirencester Road, Cheltenham, Gloucestershire, GL53 8DZ.
If at any time you're not satisfied with the service you've received, please let us know. We have a simple process enabling you to do this, the details of which are in our leaflet "How we handle your complaint", which can be downloaded from this site, obtained at any of our branches or requested by calling us on 0345 850 4041.
If we cannot come to a resolution to your satisfaction, you may have the right to refer the matter to the Financial Ombudsman Service, of which we are a member.
If you open an account it will be with Yorkshire Building Society (trading as Chelsea Building Society). Chelsea Building Society is operated under its own brand with its own products and as a trading name of Yorkshire Building Society.
Chelsea Building Society will communicate with you in English.
Yorkshire Building Society is a participant in the Financial Services Compensation Scheme established under the Financial Services and Markets Act 2000. Find out more.
Read and print the General Terms and conditions for this account.
Summary Box Key Product Information for our Savings Account | |
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Account Name | Fixed Rate e-ISA |
Interest rates (AERs) | Interest rates are fixed until 31 July 2018. Interest is paid annually. See interest rate |
Tax Status | Tax-free |
Conditions for bonus payment | N/A |
Withdrawal arrangements | Withdrawals are not permitted. Closure is permitted during the term subject to 180 days loss on interest on the closing balance. |
Access | Online on maturity |
Whether you can benefit from gross, net or tax-free interest is dependent on your own personal circumstances and tax status and so may be subject to change in the future.
Interest rates are fixed. All rates shown are per annum.
You can only apply for a Fixed Rate e-ISA online.
If you already have an online account | If you don't already have an online account |
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Once logged in - |
Or |
Chelsea Building Society and the Chelsea are trading names of Yorkshire Building Society. Yorkshire Building Society is a member of the Building Societies Association and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Yorkshire Building Society is entered in theFinancial Services Register and its registration number is 106085. Principal Office: Yorkshire House, Yorkshire Drive, Bradford BD5 8LJ.
References to 'YBS Group' or 'Yorkshire Group' refer to Yorkshire Building Society, the trading names under which it operates (Barnsley Building Society, the Barnsley, Chelsea Building Society, the Chelsea, Norwich & Peterborough Building Society, N&P and Egg) and its subsidiary companies.
Buy to Let mortgages are not regulated by the Financial Conduct Authority
This site is intended for UK Residents unless otherwise stated. All communications with us may be monitored/recorded to improve the quality of our service and for your protection and security.
*Calls to 0800 numbers are free of charge from a landline or mobile. Calls to 03 numbers are charged at the same standard network rate as 01 or 02 landline numbers, even when calling from a mobile.
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