E-CASH ISA 3
The E-Cash ISA 3 gives your client tax free savings with easy access.
- Easy access to savings.
- Internet banking.
- Minimum balance only £10.
- Current ISA limit can be found at: www.gov.uk/individual-savings-accounts
- Transfers from other ISAs accepted.
- Annual trail fee of 0.01% (paid quarterly).
Client application form (PDF, 3MB)
Personal Savings Account Conditions (PDF, 372KB)
Interest rates and charges sheet (PDF, 467KB)
FSCS information sheet (PDF, 118KB)
Internet banking user guide (PDF, 598KB)
Cash ISA transfer form (PDF, 596KB)
E-Cash ISA 3 Key Features (PDF, 100KB)
See all our E-Cash ISA 3 forms and guides in one place.
Other information you need
Our E-Cash ISA 3 is for clients who want easy access to a straightforward cash ISA product that can be managed online.
We accept transfers from your client’s current ISA provider(s).
Benefits for you
- Annual trail fee of 0.01% paid quarterly based on total average clients' balances.
- No cross-sell guarantee.
Benefits for your client
- Flexibility to manage the account by internet banking, telephone or post.
- Telephone contact 8am-6pm Monday to Fridays.
- No hidden costs or penalties.
Current interest rates and charges
Effective from 25th May 2021
Balance tier AER/tax-free (variable) Charges £10 and over 0.01% Withdrawals by CHAPS transfer to another UK account - £25.
We may charge for duplicate statements - £5.
Previous interest rates
For previous interest rate information for your account please contact our customer service team on 0345 845 0829.
Interest payment periods
Interest can be paid annually on 1 April, or twice yearly on 1 April and 1 October.
Tax Free – This is the contractual rate of interest payable where interest is exempt from income tax.
AER – Stands for the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. (As every advertisement for a savings product which quotes an interest rate will contain an AER, you will be able to compare more easily what return you can expect from your savings over time).
The AER advertised is based on interest paid gross and capitalised to the account once a year – please note that other interest payment periods are available and the actual interest rate on your account will be lower if you have interest applied more frequently, but when compounded will equal the AER.
Key product information
E-Cash ISA 3.
Interest rates (AERs)
Please see above for full information.
Tax free savings. Interest is payable gross as long as HM Revenue and Customs requirements are met.
Conditions for bonus payment
No bonus payment applies to this account.
No notice period or penalties for withdrawals.
Internet, telephone and post.
- 0.01% annual trail fee, paid quarterly.
- No minimum or maximum period of client investment.
- Simple registration
Before you apply
Before proceeding to the application you should ensure that your client has been provided with a copy of the E-Cash ISA Key Features (PDF, 100KB), Personal Savings Account Conditions (PDF, 372KB) and Interest rates and charges sheet (PDF, 467KB) You must also provide a copy of our FSCS Information Sheet (PDF, 118KB)
If your client would like to transfer cash ISAs from other financial institutions, please complete the cash ISA transfer form within the application form.
If your client would like internet and telephone banking, please complete the relevant questions in the application form.
Return all forms to:
Scottish Widows Bank
PO Box 883