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LLOYDS TSB FIXED RATE CASH ISA
Lloyds TSB Fixed Rate Cash ISA (Cash ISA)
        
Earn the same rate of interest on your tax free savings by moving your money to our fixed interest rate cash ISA savings account. It’s easy to open, and because it’s a cash ISA you won’t pay any income tax on the interest you earn.
Location: UK
Advantages:
1. Fixed interest rate.
2. Earn 3.20% tax free/AER on balances from £10,000 or more fixed for 2 years from account opening.
3.  Balances of less than £10,000 will receive 2.50% tax free/AER fixed. Minimum
4. Unlike some other banks, we allow you to pay in further deposits throughout the two year term subject to the cash ISA limits for each tax year.
5. You can save £5,640 in this tax year - ends 5 April 2013.
 
Disadvantages:
1. You can close your money at any time but if you close your account during the fixed rate period you will pay a charge for withdrawing funds as set out in condition
2. Minimum opening balance of £3,000
Services:
1. If you transfer a cash ISA from another provider we’ll pay interest from the day we receive your completed transfer application – provided your funds are free to move.
2. When your ISA’s bonus or fixed term is coming to an end we’ll let you know, so you are always in control.

AER Rate: Up to 3.20%
Interest Paid: Annually
Notice Period: No notice
Min Deposit: £3,000
Max Deposit: N/A
Initial Fee: £0
Exit Fee: Ask on application
Annual Management Fee: £0

Products:
Fixed Rate Cash ISA
Two Year Fixed Rate Cash ISA
Three Year Fixed Rate Cash ISA
Four Year Fixed Rate Cash ISA
Suitable For:
You won't pay any income tax on the interest you earn.
Conditions:
When applying you need your national insurance number to hand.
Restrictions:
You can apply for a Fixed Rate ISA today if you are:
1. 16 years or older
2.  Resident and ordinarily resident in the UK for tax purposes.
Terms and Conditions:
You must not pay into more than one cash ISA in any one tax year. Fixed interest rate. Interest is calculated daily and paid each year on the same day that the account was opened up until the end of the term. After the fixed rate period your account becomes a LloydsTSB Cash ISA saver without bonus
        

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