Notice 45 Cash ISA

3.15% AER/Tax-Free* Variable for a year effective from 23/01/2026

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 purpose 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.
• This is a passbook-based account and can be operated in branch or by post at your own expense.
• If you open the account online, a passbook will not be issued. You can manage your account online including obtaining deposit and withdrawal information
• Limits apply to cash deposits and withdrawals (see Terms and Conditions).
• You can save from a minimum of £100 up to a maximum of £75,000.
• 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 hold a maximum of one Cash ISA Notice 90 account with the Society.
• We accept Cash ISA transfers from other ISA providers.
• Once the maximum annual ISA subscription (Currently £20,000) is reached, no further subscriptions are permitted.
• Transfers from an existing Stafford Building Society Cash ISA are permitted.

• This account allows a maximum of four withdrawals per society year (1st November – 31st October).
• You can transfer out your ISA without giving notice, but this will incur a penalty equivalent to 45 days’ interest. To avoid this penalty, you can give the required notice before initiating the transfer. Please note that if you transfer your ISA within the first 45 days of opening your account,
  the penalty may exceed the interest earned, meaning you could get back less than you originally paid in.
• Cash withdrawals/Closures are limited to £2,500 per day.
• 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. The maximum withdrawal via
  faster payment is £75,000.
• The minimum CHAPS withdrawal £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. Withdrawals will not be allowed without the passbook (If one was issued with your type of savings account).

• 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.
• We pay all savings interest gross – no tax is deducted. You are responsible for paying any tax due based on your individual circumstances. Tax rules may change in future.
• 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.