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Cash ISA

Halifax Cash ISA

Halifax offers a fixed-rate ISA over one, two and five years, and two variable ISAs whose rate depends on how often you withdraw. The range closely mirrors Lloyds', which is no accident — they share a banking licence, and that matters for how much of your money is protected.

Last updated: 9 September 2026

At a glance

3 ISAs covered

  • Fixed ISA over one, two and five years
  • Variable rates drop after two withdrawals
  • Shares an FSCS licence with Lloyds
See the rates

The accounts

Halifax Cash ISAs

Rates and terms as published by Halifax and read on 9 September 2026. Confirm anything that affects your decision on the provider's own page before you apply.

ISA Saver Fixed

Halifax logo

4.00% (1 year), 4.10% (2 year), 4.10% (5 year) AER / tax-free

Rate type
Fixed for the term, interest monthly or at the end of each term
Access
One, two or five years
Minimum
See Halifax's minimum first deposit for the chosen term
Withdrawals
By account closure or transfer only, and charges apply

ISA Reward Bonus Saver

Halifax logo

3.00% AER / 2.96% tax-free, falling to 0.65%

Rate type
Variable, withdrawal-linked, interest paid monthly
Access
Qualifying Halifax current account holders only
Minimum
Not published on the comparison page
Withdrawals
Two or fewer a year keeps 3.00%; from the month of a third withdrawal the rate drops to 0.65% until the end of the account year

ISA Bonus Saver

Halifax logo

3.00% AER / 2.96% tax-free, falling to 0.65%

Rate type
Variable, withdrawal-linked
Access
Open to non-current-account customers
Minimum
Not published on the comparison page
Withdrawals
Two or fewer a year keeps the headline rate; a third drops it to 0.65%

The rules

Eligibility, transfers and protection

Who can apply
The ISA Reward Bonus Saver requires a qualifying Halifax current account
Access
App, online, telephone and branches
Transfers in
Accepted from other providers
Flexible ISA
Not stated on the comparison page — confirm before applying
Deposit protection
FSCS protected up to £120,000, shared with Lloyds and Bank of Scotland
Interest
Monthly on the variable ISAs; monthly or end-of-term on the fixed

Before you commit an allowance

What to check first

  • The variable ISAs are not really easy access. Two withdrawals a year keeps 3.00%; from the month you make a third you drop to 0.65% for the rest of the account year — the penalty lasts, it is not just that one month.
  • On the ISA Saver Fixed you cannot simply take money out. Withdrawals are by account closure or transfer only, and charges apply.
  • The two-year and five-year fixed terms both pay 4.10%, so locking up for five years buys no extra rate over two at the time this was checked.
  • Halifax, Lloyds and Bank of Scotland share one banking licence. The £120,000 FSCS limit covers all three combined, so spreading an ISA across them does not spread the protection.
  • Halifax is being folded into the Lloyds brand over time. Check what that means for an account you are opening now.

A Cash ISA allowance is annual and does not roll over. Read how the providers compare before committing it to one bank.

Comparing Halifax's Cash ISA?

See how it sits against the other UK banks offering a Cash ISA, or read the full review of the bank behind it.

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