Cash ISA

Cash ISA

A tax efficient home for your savings.

An ISA (Individual Savings Account) is a straightforward savings account where you pay no income or capital gains taxes on your savings interest.

About Cash ISAs

Cash ISAs are available to UK residents who are over 16 years old. The total ISA allowance is £15,240 for the 2015/2016 tax year, and can be invested entirely in a Stocks and Shares ISA, deposited in a Cash ISA, or a combination of both, provided you only contribute to one Cash ISA and one Stocks and Shares ISA in the same tax year. The interest you receive on your ISA isn’t subject to UK income or capital gains tax so it’s a very tax efficient way to help your savings grow.

If you already pay into a stocks and shares ISA, this may limit the amount you can save in a cash ISA.

The Adam Cash ISA

You can open a new Adam Cash ISA with just £1,000. The Adam Cash ISA pays a variable rate of interest.We calculate interest on a daily basis and add it to your ISA account at the end of each quarter

Making withdrawals

There is no limit to the number of withdrawals you can make from your Adam Cash ISA and no loss of interest.

However, you should be aware that if you have already made the maximum investment of £15,240 and make a withdrawal, you can’t make any further payments into your ISA in the same tax year.

ISA transfers

If you already have cash ISAs with other companies from previous tax years, you can transfer them all to your Adam Cash ISA. This can make your ISA savings easier to manage as they’re all in the one place.

You can keep up to date with the value of your Adam Cash ISA with Adam Online.

Adam clients

To find out more about how a Cash ISA from Adam & Company can meet your individual needs, please contact your Private Banker.

New clients

If you wish to become a client of Adam & Company, please complete this form or contact us on +44 (0)131 225 8484

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