Existing cash ISA details
Facts, rates and details about your existing products.
Existing customers
Manage your existing ISA
Make the most of your cash ISA
Getting started with your cash ISA
Opening a cash ISA is simple. By working with customers and responding to their needs, we’ve made managing your cash ISA simple, too. Our easy to follow guide tells you everything you need to know about managing your cash ISA.
Reactivating your ISA
HM Revenue & Customs ISA regulations require any ISA not paid into for a full tax year needs to be reactivated to allow further deposits – although you still earn interest and can make withdrawals. To pay into your ISA again simply fill in the relevant reactivation form.
ISA Inheritance Allowance
From the 6th of April 2015 the spouse or civil partner of anyone who died from 3rd December 2014 onwards and held an ISA at the time of death, may apply to have the allowance added to their own ISA. This is called ‘Additional Permitted Subscription’ which is referred to as APS.
Please note, this is not inheriting the actual money in the ISA. That follows the normal estate process. It is an allowance equalling either the balance including all interest upon death or if higher the balance upon settlement of the estate (please note – if the estate takes more than 3 years to settle, interest earned after this is taxable so will not count towards the APS).
To apply please print, complete and return this form to:
Royal Bank of Scotland
Retail Processing Operations
Chatham Waterside Court
Chatham Maritime
Chatham
ME4 4RT
We will check the information provided and write to you within 30 days with your exact entitlement along with details of how to fund your own cash ISA. Please do not fund yourself outside of this process as it will result in your normal annual ISA allowance being used rather than your APS allowance.
For further information on we how can help during the difficult period following the death of a loved one please click here for our Bereavement Service
Transferring your ISA
If you have an ISA with another provider, you can make it easier to manage your cash ISAs by transferring them to the Royal Bank of Scotland. To help you do this, we have a simple transfer process that safeguards your tax-free entitlement. Tax- free interest means that interest payable is exempt from UK income tax.
These can change at any time
- AA
- Adam & Co
- Aldermore
- Bank of Scotland
- Barclays
- Birmingham Midshires
- Bradford & Bingley
- Brent Shine Credit Union
- Britannia BS
- Cheltenham & Gloucester BS
- Chorley BS
- Clydesdale Bank plc
- Co-operative Bank
- Coutts & Co
- Coventry BS
- Cumberland BS
- Danske
- Darlington BS
- Direct Line
- Dunfermline BS
- First Direct
- First Trust
- Halifax
- HSBC
- Intelligent Finance
- Lloyds Bank plc
- Market Harborough BS
- Marks & Spencer Financial Services plc
- Nationwide BS
- NatWest
- Newcastle BS
- Nottingham BS
- Paragon Bank
- Post Office (Family Equity Plan)
- Progressive BS
- SAGA
- Sainsbury's Bank
- Santander
- Scottish Widows
- Skipton Building Society
- St James Place
- Swansea BS
- The Royal Bank of Scotland
- TSB Bank plc
- Ulster Bank
- Virgin Money
- West Bromwich BS
- Yorkshire Bank plc
As part of the New ISA changes that commenced on 1st July 2014 you may now also transfer from existing stocks and shares ISAs to cash ISAs.
To do so, please complete the paper Stocks and shares ISA to Cash ISA Transfer Request form and drop into your local branch or post to the ‘ISA Transfer In Team’ address shown above.
Please be aware that transfers from existing stocks and shares ISAs take up to 30 calendar days to complete and you must not complete the Cash ISA Transfer Form as this will result in your request not being progressed.
Existing cash ISA customer
If you are transferring your cash ISA funds from the list of providers (see the drop- down on the left), you can make a paperless transfer request now by logging in to digital banking.
If your provider is not listed then please complete the paper Cash ISA Transfer Request form and drop into your local branch or post to:
ISA Transfer In Team,
RPO Chatham,
Waterside Court,
Chatham Maritime,
Chatham ME4 4RT
Or drop it off at any branch.
Please be aware that transfers from existing ISAs take up to 7 working days to complete.
New ISA customer
You will need to open a Royal Bank of Scotland Cash ISA or Fixed Rate ISA account before you can transfer any funds into it. For further information please see our cash ISAs.
