Can HTB change the interest rate?

The interest rate is variable, so we can change it at any time.

There are two types of variable rates, ‘managed’ and ‘tracker’. This is a managed variable rate, which means it is set by us and can rise or fall at any time.

• If we increase the interest rate, we’ll make the change and let you know.
• If we reduce the interest rate, we’ll let you know at least 14 days before.

We may launch new issues of this account with different interest rates in the future, which won’t affect your account. Visit our website regularly to see our latest accounts and get in touch to switch or close your account.

What would the estimated balance be after 12 months based on a £1,000 deposit?

• £1,000 invested in this account would earn £40.60 interest after 12 months.
• £20,000 invested in this account would earn £812.00 interest after 12 months.
• This is for illustrative purposes only and assumes interest is paid and compounded annually. The illustrative example does not consider the individual circumstances of a customer.

How do I open and manage the account?

• You can open an account by completing an application form on our website. We will complete some checks and let you know if we need anything else to help complete your application.
• This account is available to anyone aged 18 or over who is a permanent resident of the United Kingdom and does not need to file tax returns, report tax or pay tax in connection with this account outside of the UK.
• A Cash ISA can only be opened and held in the name of one person (joint accounts are not permitted) who owns the funds. Power of attorney/guardianship/intervention order holders acting for an account holder are not permitted.
• Once your account is open, you can manage it online and access your statements through our portal and by secure message when logged in. You can also get in touch by email on [email protected] or by telephone on 020 7862 6222 (Mon-Fri 9am-5pm, excluding bank holidays).
• You’ll need a minimum balance of £1 in the account to open it and keep it open.
• The maximum account balance is £250,000 with a maximum of £1m balance across all your accounts with us.
• You have 14 days from the date your account is opened to fund it. If the account remains unfunded at 14 days, it will be closed.

Can I withdraw money?

• Yes − this is an easy access account, so you can make unlimited withdrawals.
• You can choose to have your interest paid into your nominated account or into your savings account (to compound over time) – you can change this option at any time by getting in touch.
• It’s important to know that this is not a flexible ISA, which means that if you withdraw money, it can’t be replaced without using more of your ISA allowance for the year.
• Withdrawals made before 1pm on a working day will be paid the same day. For anything after 1pm this will be paid the next working day.
• You can transfer part of your balance on previous tax year’s subscription, but not on the subscription for this tax year.

Additional information

• You can make as many payments into the account as you like up to the maximum balance.
• You can also fund your ISA by transferring in from another Cash ISA or Stocks & Shares ISA. You must initiate this transfer within 14 days of opening your HTB ISA by providing your new account details to the other bank.
• You can only open and operate one Cash ISA account with HTB in any single tax year.
• The annual ISA allowance is £20,000 for the tax year 6 April 2026 to 5 April 2027. You must not have paid in more than this in total to a Cash ISA, a stocks and shares ISA, an innovative finance ISA and a Lifetime ISA in this tax year.
• All payments into and out of this account must be made through your nominated bank account, another account you hold with us or another ISA provider as part of a transfer. If you transfer money to an account which is not an ISA, you will lose its ISA status and tax benefits.
• Payments received before 1pm on a working day will be paid the same day. For anything after 1pm this will be paid the next working day.
• If you are seeking certainty on the interest rate or do not need immediate access to your money, this variable rate easy access account may not be the best option for you – you could consider a fixed rate ISA account.
• We report the interest earned on your account to HMRC for the tax year in which it is earned.
• We do not deduct tax from the interest you earn – it is your responsibility to pay any tax due.
• The treatment of your account for tax purposes will depend on your individual circumstances. All tax information is based on our understanding of current law and HM Revenue & Customs practice, both of which may change. For more information visit hmrc.gov.uk
• Hampshire Trust Bank is an authorised deposit taker and your eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS), the UK’s deposit protection scheme, up to the applicable limit. The FSCS protects most depositors up to £120,000.

Can HTB change the interest rate?

• No, the interest rate is fixed for the duration of the term.

What would the estimated balance be at the end of the term based on a £20,000 deposit?

• £20,000 invested in this account would earn you £936.00 interest by the end of the term (Indicative figure assuming annually compounded interest). These are indicative figures assuming annually compounded interest. you cannot withdraw money from your bond before the end of the term.

How do I open and manage the account?

• You can open an account by completing an application form on our website. We will complete some checks and let you know if we need anything else to help complete your application.
• This account is available to anyone aged 18 or over who is a permanent resident of the United Kingdom and does not need to file tax returns, report tax or pay tax in connection with this account outside of the UK.
• A Cash ISA can only be opened and held in the name of one person (joint accounts are not permitted) who owns the funds. Power of attorney/guardianship/intervention order holders acting for an account holder are not permitted.
• Once your account is open, you can manage it online and access your statements through our portal and by secure message when logged in. You can also get in touch by email on [email protected] or by telephone on 020 7862 6222 (Mon-Fri 9am-5pm, excluding bank holidays).
• You’ll need the minimum balance of £1 in the account to open it and keep it open.
• The maximum account balance is £250,000 with a maximum of £1m balance across all your accounts with us.

Can I withdraw money?

• This account offers a fixed rate for a fixed term, so you can only close it, withdraw or transfer your money with no charge at the end of the term (maturity).
• You can choose to have your interest paid into your nominated account or into your savings account (to compound over time) – you can change this option at any time by getting in touch.
• You can withdraw or transfer your full balance to another Cash ISA provider before the fixed term ends, however, you will need to pay a fee for doing so. The fee is equivalent to 90 days’ interest for each year (or part year) remaining on the term. For example, if you have 2 years and 1 month remaining on the term, the fee would be equivalent to 270 days’ interest (90 days x 3). Because of this fee, in some cases, you may get back less than you originally paid in.
• Partial transfers are not currently permitted.
• We will get in touch before maturity to remind you of the date that your fixed term ends, detailing your options and asking for your maturity instructions. You can ask us to reinvest some or all of it into new accounts or return it to your nominated account.
• If you don’t tell us what you’d like to do by the fixed term maturity date, we’ll move your balance into our Maturity Easy Access ISA to keep your matured balance and ISA status protected while you decide what to do with it − we’ll send you more information about this account nearer the time.

Additional information

• You have 14 days from the date your account is opened to fund it. If the account remains unfunded at 14 days, it will be closed.
• You can only open and operate one Cash ISA account with HTB in any single tax year.
• You can also fund your ISA by transferring in from another Cash ISA or Stocks & Shares ISA. You must initiate this transfer within 14 days of opening your HTB ISA by providing your new account details to the other bank.
• The annual ISA allowance is £20,000 for the tax year 6 April 2026 to 5 April 2027. You must not have paid in more than this in total to a cash ISA, a stocks and shares ISA, an innovative finance ISA and a Lifetime ISA in this tax year.
• All payments must be made to − and from − your nominated bank account or into another account with us.
• You have the right to close your account at any time within 14 days of account opening by contacting us.
• We report the interest earned on your account to HMRC for the tax year in which it is earned.
• We do not deduct tax from the interest you earn – it is your responsibility to pay any tax due.
• The treatment of your account for tax purposes will depend on your individual circumstances. All tax information is based on our understanding of current law and HM Revenue & Customs practice, both of which may change. For more information visit hmrc.gov.uk
• Hampshire Trust Bank is an authorised deposit taker and your eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS), the UK’s deposit protection scheme, up to the applicable limit. The FSCS protects most depositors up to £120,000.

Can HTB change the interest rate?

• No, the interest rate is fixed for the duration of the term.

What would the estimated balance be at the end of the term based on a £20,000 deposit?

• £20,000 invested in this account would earn you £1,953.51 interest by the end of the term (Indicative figure assuming annually compounded interest). These are indicative figures assuming annually compounded interest. you cannot withdraw money from your bond before the end of the term.

How do I open and manage the account?

• You can open an account by completing an application form on our website. We will complete some checks and let you know if we need anything else to help complete your application.
• This account is available to anyone aged 18 or over who is a permanent resident of the United Kingdom and does not need to file tax returns, report tax or pay tax in connection with this account outside of the UK.
• A Cash ISA can only be opened and held in the name of one person (joint accounts are not permitted) who owns the funds. Power of attorney/guardianship/intervention order holders acting for an account holder are not permitted.
• Once your account is open, you can manage it online and access your statements through our portal and by secure message when logged in. You can also get in touch by email on [email protected] or by telephone on 020 7862 6222 (Mon-Fri 9am-5pm, excluding bank holidays).
• You’ll need the minimum balance of £1 in the account to open it and keep it open.
• The maximum account balance is £250,000 with a maximum of £1m balance across all your accounts with us.

Can I withdraw money?

• This account offers a fixed rate for a fixed term, so you can only close it, withdraw or transfer your money with no charge at the end of the term (maturity).
• You can choose to have your interest paid into your nominated account or into your savings account (to compound over time) – you can change this option at any time by getting in touch.
• You can withdraw or transfer your full balance to another Cash ISA provider before the fixed term ends, however, you will need to pay a fee for doing so. The fee is equivalent to 90 days’ interest for each year (or part year) remaining on the term. For example, if you have 2 years and 1 month remaining on the term, the fee would be equivalent to 270 days’ interest (90 days x 3). Because of this fee, in some cases, you may get back less than you originally paid in.
• Partial transfers are not currently permitted.
• We will get in touch before maturity to remind you of the date that your fixed term ends, detailing your options and asking for your maturity instructions. You can ask us to reinvest some or all of it into new accounts or return it to your nominated account.
• If you don’t tell us what you’d like to do by the fixed term maturity date, we’ll move your balance into our Maturity Easy Access ISA to keep your matured balance and ISA status protected while you decide what to do with it − we’ll send you more information about this account nearer the time.

Additional information

• You have 14 days from the date your account is opened to fund it. If the account remains unfunded at 14 days, it will be closed.
• You can only open and operate one Cash ISA account with HTB in any single tax year.
• You can also fund your ISA by transferring in from another Cash ISA or Stocks & Shares ISA. You must initiate this transfer within 14 days of opening your HTB ISA by providing your new account details to the other bank.
• The annual ISA allowance is £20,000 for the tax year 6 April 2026 to 5 April 2027. You must not have paid in more than this in total to a cash ISA, a stocks and shares ISA, an innovative finance ISA and a Lifetime ISA in this tax year.
• All payments must be made to − and from − your nominated bank account or into another account with us.
• You have the right to close your account at any time within 14 days of account opening by contacting us.
• We report the interest earned on your account to HMRC for the tax year in which it is earned.
• We do not deduct tax from the interest you earn – it is your responsibility to pay any tax due.
• The treatment of your account for tax purposes will depend on your individual circumstances. All tax information is based on our understanding of current law and HM Revenue & Customs practice, both of which may change. For more information visit hmrc.gov.uk
• Hampshire Trust Bank is an authorised deposit taker and your eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS), the UK’s deposit protection scheme, up to the applicable limit. The FSCS protects most depositors up to £120,000.

Can HTB change the interest rate?

• No, the interest rate is fixed for the duration of the term.

What would the estimated balance be at the end of the term based on a £20,000 deposit?

• £20,000 invested in this account would earn you £3,040.23 interest by the end of the term (Indicative figure assuming annually compounded interest). These are indicative figures assuming annually compounded interest. you cannot withdraw money from your bond before the end of the term.

How do I open and manage the account?

• You can open an account by completing an application form on our website. We will complete some checks and let you know if we need anything else to help complete your application.
• This account is available to anyone aged 18 or over who is a permanent resident of the United Kingdom and does not need to file tax returns, report tax or pay tax in connection with this account outside of the UK.
• A Cash ISA can only be opened and held in the name of one person (joint accounts are not permitted) who owns the funds. Power of attorney/guardianship/intervention order holders acting for an account holder are not permitted.
• Once your account is open, you can manage it online and access your statements through our portal and by secure message when logged in. You can also get in touch by email on [email protected] or by telephone on 020 7862 6222 (Mon-Fri 9am-5pm, excluding bank holidays).
• You’ll need the minimum balance of £1 in the account to open it and keep it open.
• The maximum account balance is £250,000 with a maximum of £1m balance across all your accounts with us.

Can I withdraw money?

• This account offers a fixed rate for a fixed term, so you can only close it, withdraw or transfer your money with no charge at the end of the term (maturity).
• You can choose to have your interest paid into your nominated account or into your savings account (to compound over time) – you can change this option at any time by getting in touch.
• You can withdraw or transfer your full balance to another Cash ISA provider before the fixed term ends, however, you will need to pay a fee for doing so. The fee is equivalent to 90 days’ interest for each year (or part year) remaining on the term. For example, if you have 2 years and 1 month remaining on the term, the fee would be equivalent to 270 days’ interest (90 days x 3). Because of this fee, in some cases, you may get back less than you originally paid in.
• Partial transfers are not currently permitted.
• We will get in touch before maturity to remind you of the date that your fixed term ends, detailing your options and asking for your maturity instructions. You can ask us to reinvest some or all of it into new accounts or return it to your nominated account.
• If you don’t tell us what you’d like to do by the fixed term maturity date, we’ll move your balance into our Maturity Easy Access ISA to keep your matured balance and ISA status protected while you decide what to do with it − we’ll send you more information about this account nearer the time.

Additional information

• You have 14 days from the date your account is opened to fund it. If the account remains unfunded at 14 days, it will be closed.
• You can only open and operate one Cash ISA account with HTB in any single tax year.
• You can also fund your ISA by transferring in from another Cash ISA or Stocks & Shares ISA. You must initiate this transfer within 14 days of opening your HTB ISA by providing your new account details to the other bank.
• The annual ISA allowance is £20,000 for the tax year 6 April 2026 to 5 April 2027. You must not have paid in more than this in total to a cash ISA, a stocks and shares ISA, an innovative finance ISA and a Lifetime ISA in this tax year.
• All payments must be made to − and from − your nominated bank account or into another account with us.
• You have the right to close your account at any time within 14 days of account opening by contacting us.
• We report the interest earned on your account to HMRC for the tax year in which it is earned.
• We do not deduct tax from the interest you earn – it is your responsibility to pay any tax due.
• The treatment of your account for tax purposes will depend on your individual circumstances. All tax information is based on our understanding of current law and HM Revenue & Customs practice, both of which may change. For more information visit hmrc.gov.uk
• Hampshire Trust Bank is an authorised deposit taker and your eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS), the UK’s deposit protection scheme, up to the applicable limit. The FSCS protects most depositors up to £120,000.

Can HTB change the interest rate?

• No, the interest rate is fixed for the duration of the term.

What would the estimated balance be at the end of the term based on a £20,000 deposit?

• £20,000 invested in this account would earn you £5,464.91 interest by the end of the term (Indicative figure assuming annually compounded interest). These are indicative figures assuming annually compounded interest. you cannot withdraw money from your bond before the end of the term.

How do I open and manage the account?

• You can open an account by completing an application form on our website. We will complete some checks and let you know if we need anything else to help complete your application.
• This account is available to anyone aged 18 or over who is a permanent resident of the United Kingdom and does not need to file tax returns, report tax or pay tax in connection with this account outside of the UK.
• A Cash ISA can only be opened and held in the name of one person (joint accounts are not permitted) who owns the funds. Power of attorney/guardianship/intervention order holders acting for an account holder are not permitted.
• Once your account is open, you can manage it online and access your statements through our portal and by secure message when logged in. You can also get in touch by email on [email protected] or by telephone on 020 7862 6222 (Mon-Fri 9am-5pm, excluding bank holidays).
• You’ll need the minimum balance of £1 in the account to open it and keep it open.
• The maximum account balance is £250,000 with a maximum of £1m balance across all your accounts with us.

Can I withdraw money?

• This account offers a fixed rate for a fixed term, so you can only close it, withdraw or transfer your money with no charge at the end of the term (maturity).
• You can choose to have your interest paid into your nominated account or into your savings account (to compound over time) – you can change this option at any time by getting in touch.
• You can withdraw or transfer your full balance to another Cash ISA provider before the fixed term ends, however, you will need to pay a fee for doing so. The fee is equivalent to 90 days’ interest for each year (or part year) remaining on the term. For example, if you have 2 years and 1 month remaining on the term, the fee would be equivalent to 270 days’ interest (90 days x 3). Because of this fee, in some cases, you may get back less than you originally paid in.
• Partial transfers are not currently permitted.
• We will get in touch before maturity to remind you of the date that your fixed term ends, detailing your options and asking for your maturity instructions. You can ask us to reinvest some or all of it into new accounts or return it to your nominated account.
• If you don’t tell us what you’d like to do by the fixed term maturity date, we’ll move your balance into our Maturity Easy Access ISA to keep your matured balance and ISA status protected while you decide what to do with it − we’ll send you more information about this account nearer the time.

Additional information

• You have 14 days from the date your account is opened to fund it. If the account remains unfunded at 14 days, it will be closed.
• You can only open and operate one Cash ISA account with HTB in any single tax year.
• You can also fund your ISA by transferring in from another Cash ISA or Stocks & Shares ISA. You must initiate this transfer within 14 days of opening your HTB ISA by providing your new account details to the other bank.
• The annual ISA allowance is £20,000 for the tax year 6 April 2026 to 5 April 2027. You must not have paid in more than this in total to a cash ISA, a stocks and shares ISA, an innovative finance ISA and a Lifetime ISA in this tax year.
• All payments must be made to − and from − your nominated bank account or into another account with us.
• You have the right to close your account at any time within 14 days of account opening by contacting us.
• We report the interest earned on your account to HMRC for the tax year in which it is earned.
• We do not deduct tax from the interest you earn – it is your responsibility to pay any tax due.
• The treatment of your account for tax purposes will depend on your individual circumstances. All tax information is based on our understanding of current law and HM Revenue & Customs practice, both of which may change. For more information visit hmrc.gov.uk
• Hampshire Trust Bank is an authorised deposit taker and your eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS), the UK’s deposit protection scheme, up to the applicable limit. The FSCS protects most depositors up to £120,000.