Cash ISA Double Access

4.36% AER/Tax-Free* Variable for a year effective from 01/07/2026

This projection assumes that £1,000 is deposited into the account when it is opened and that no further deposits, withdrawals or interest rate changes during the 12-month period. This projection is provided for illustrative purposes only and does not take into account the individual circumstances of the customer. This projection includes the interest earned in the year that has been credited into the savings account.

Estimated balances are for illustrative purposes only.

• Available to private individual UK residents aged 18 years or over only.
• The account can be opened in branch, by post or online.
• If you open the account in branch or via postal service, a passbook/passcard will be issued.
• If you open the account online, a passbook will not be issued. You can manage your account online including obtaining deposit and withdrawal information (if applicable).
• Limits apply to cash deposits and withdrawals (see Terms and Conditions).
• You can save from a minimum of £1,000 up to a maximum of £450,000.
• A 14-day cooling-off period applies to this account. This means that if you change your mind, you have 14 calendar days to close the account without notice, charges or loss of interest. Day one begins on the date the account is opened.
• You can only hold a maximum of one Cash ISA Double Access account within the Society year (1st November – 31st October).
• We accept Cash ISA transfers in from other ISA providers.
• Once the maximum annual ISA subscription (Currently £20,000) is reached, no further subscriptions are permitted.
• You can add funds using any of the following methods: Cash deposit, bank transfer/faster payment, cheque or via transfer from another ISA provider.
• Transfers from an existing Stafford Building Society savings account are NOT permitted.

• This account allows a maximum of two withdrawals per Society year (1st November – 31st October).
• On your third withdrawal, your account will automatically revert
  into our Cash ISA account at a variable rate of 2.25% AER/Tax-Free*. If this happens, you won’t be able to apply for another Cash ISA Double Access account until the new Society year (1st November – 31st October).
• Cash withdrawals/closures are limited to £2,500 per day.
• No notice is required for cash withdrawals/closures up to £500. However, cash withdrawals/closures between £500 and £2,500 require a minimum of 24 hours’ notice.
• Withdrawals/closures can be made by post (cheque only) and must include a signed letter requesting the amount OR a completed closure form. Cheques will only be made payable to the account holder(s).
• Faster payments can be made to a nominated UK bank account free of charge in the account holder’s name. Maximum withdrawal via faster payment is £75,000, anything above will require a CHAPS payment.
• The minimum CHAPS withdrawal is £5,000 and will incur a £25 administrative fee.
• The minimum withdrawal allowed by cheque is £10.
• Withdrawals can be made in branch with the passbook/pass-card. Withdrawals will not be allowed without the passbook/pass-card (If opened online, you will need to provide ID so a passbook/pass-card can be issued if you wish to transact in branch or via post).

• This is not a flexible ISA product.
• In accordance with ISA regulations, investments in any tax year are limited to the amount permitted by HM Revenue and Customs regardless of the level of withdrawals made.
• The maximum combined deposit across all accounts with The Stafford Building Society is £450,000 per customer.
• Your savings are protected up to £120,000 per eligible person with the FSCS compensation scheme.
• It’s worth noting that any of our accounts can be withdrawn from sale at any time and without notice.

*Tax–Free: Interest paid is exempt from tax.
*AER: The Annual Equivalent Rate shows what the earnings on your savings would be if interest was paid and compounded once each year.

The rates and information are accurate as of 06/2026.