Make the most of your savings and maximise your tax free returns with our new 35 Day Notice ISA. A safe and straightforward way to achieve your savings goals.

Tax Free/AER
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. Tax-Free is the contractual rate of interest payable where interest is exempt from income tax.
4.65% see rates
£1,000 - £9,999.99: 4.65% / 4.65%
£10,000 - £24,999.99: 4.65% / 4.65%
£25,000 - £100,000: 4.65% / 4.65%
Notice for withdrawals
Some of our accounts require you to give notice before you can withdraw money from your account. Further details on the withdrawal restrictions that apply to the account can be found in the section titled - 'Can I withdraw money?' - in the Summary box.
35 days
Age restriction
Minimum or maximum age you must be to open this account.
18 years and over

This product may be withdrawn at any time.

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Key features

  • Tax free savings
  • 35 days' notice for withdrawals
  • Minimum opening balance: £1,000
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Summary Box

Account name

35 Day Notice ISA

What is the interest rate?

The tiered variable rates below apply from 28 June 2024. Interest is paid at the same rate on the whole balance of the account. Interest is calculated daily and paid annually on 5 April.

£1,000 - £9,999.99 - 4.65% tax free/AER
£10,000 - £24,999.99 - 4.65% tax free/AER
£25,000 - £100,000 - 4.65% tax free/AER

Can Tipton & Coseley Building Society change the interest rate?

We may increase or decrease the tiered interest rates at any time. Further details of when we do this and how we will let you know, can be found in our Terms and Conditions for savings accounts, available on our website, in branch or in your welcome pack.

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

The balance after 12 months based on an initial deposit of £1,000 with an interest rate of 4.65% Tax Free/AER (variable) would be £1,046.50.

The balance after 12 months based on an initial deposit of £10,000 with an interest rate of 4.65% Tax Free/AER (variable) would be £10,465.00.

The balance after 12 months based on an initial deposit of £25,000 with an interest rate of 4.65% Tax Free/AER (variable) would be £26,162.50.

These estimations are an example only and assumes:

  • there are no additional deposits or withdrawals made;
  • interest is paid gross and added to the account on 5 April; and
  • there is no change to the interest rate.

These estimations are only examples, and do not take into account any individual circumstances. 

How do I open and manage my account?

You can open an account at any of our branches without an appointment, to view our acceptable identification, please click here.

Joint accounts cannot be opened. Only one account can be opened per customer. The account is available to anyone aged 18 or over. 

The account is only available for UK residents and your National Insurance Number will be needed at the time of account opening. 

The minimum amount to open this account is £1,000. You must have at least £1,000 in the account to keep it open. Withdrawals taking the balance below £1,000, will only be allowed when you are closing your account. Opening balances made by electronic payment, must be sent within 14 days, or the account will automatically be closed. The maximum amount that can be held is £100,000 per account. 

The ISA allowance for this tax year is £20,000, which can be split between both Cash and Stocks and Shares ISAs. Please note, we do not provide Stocks and Shares ISAs at the Tipton and we do not allow transfers in from Stocks and Shares ISAs. You can only pay into one ISA per tax year with ourselves.

We can only accept the transfer in of current years subscriptions if they are transferred to us in full, you may however transfer part of previous year subscriptions.

You can view your balance and recent transactions on the Tipton App, available in the Google Play Store and Apple Store.

Can I withdraw money?

You must give us 35 days' notice before any withdrawals are made, or 35 days interest will be lost on the amount withdrawn. You can give notice to withdraw by letting us know via post, visiting one of our branches, calling us, or completing our online contact form. Withdrawals must be a minimum of £500 and must be cheque only. No cash withdrawals, internal transfers, electronic transfers, direct debits or standing order withdrawals are available. 

Closure or transfer to another provider are allowed as long as 35 days' notice has been given, or 35 days interest will be lost. Transfers out of current year subscriptions must be transferred in full, you may transfer part of previous year subscriptions. If you decide to close your account after 14 days of opening, but before 35 days' notice has been added, you will still experience a 35 day loss of interest. If there is not enough interest earned to cover the 35 day loss of interest then the difference will be taken from the balance in the account.

Please note, for any withdrawals from this account where the funds have not been transferred to another ISA, the funds will no longer be eligible for the tax benefits of an ISA. 

We aim to complete transfers out within 5 working days. 

Additional information

Interest is paid without tax deducted.

If you decide within 14 days of opening your account that this isn't the right account for you, you can have your money back without charge. We'll arrange to close the account and return your money to you, or transfer it to another one of our savings accounts. 

The Tipton offer a range of savings accounts on a non-advised basis. There may be another savings account which may have a higher rate of interest and/or be better suited to your personal needs. Please speak to a member of the team for other product information.

Tax-Free - Interest earned on ISAs is tax free as long as the statutory conditions of the scheme are not breached. Tax treatment depends on your individual circumstances and may be subject to change in the future. We’ll notify you if, by reason of any failure to satisfy the provisions of the ISA Regulations, an ISA has, or will, become void. Any tax due on interest paid will be debited to the account on closure. Where a break between subscriptions lasts for a whole tax year you must make a new application before you can continue subscriptions. None of the rights of the account holder in respect of the ISA may be assigned or used as security for a loan. Tax assumptions are based on current legislation. The favourable tax treatment may not be maintained as it is the Government that is responsible for the tax treatment. Cash ISAs can remain open following the death of an account holder but will be closed when the deceased’s estate is finalised. An account will cease to be a Cash ISA if the account holder becomes bankrupt. Where we are instructed by the member or HM Revenue & Customs to cancel an ISA due to breaches of regulations, any interest paid will not be exempt from tax.

AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Issued date: 28 June 2024

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Account Summary

Account name 35 Day Notice ISA
Tax Free/AER 4.65%
Notice for withdrawals 35 days
Age restriction 18 years and over

Things to know...

  • Tax free savings
  • 35 days' notice for withdrawals
  • Minimum opening balance: £1,000

How to apply

Either scan the QR code below or download the app to create your new account instantly.

We can help you to...

  • Open a new account
  • Answer any of your questions
  • Discuss your savings options
  • Discuss your existing account
Gayle, from our savings team is happy to help 0121 557 2551*
Our lines are open:
Monday - Tuesday09:00 - 17:00
Wednesday09:30 - 17:00
Thursday - Friday09:00 - 17:00
Saturday09:00 - 12:00
*Calls from landlines are charged at the standard rate. Calls from mobiles may vary.

Great, lets go

If you would like to transfer your ISA into this account, please complete our ISA Transfer In Form.

You can open an account at any of our branches.

You should also read our Terms and Conditions for Savings Accounts leaflet and the Financial Services Compensation Scheme sheet.

If you are a new savings customer then you must sign future windfall rights to our Charitable Foundation.

Our savings customers say...

"Whenever I visit Tipton & Coseley I'm dealt with quickly, on a one to one basis making each visit convenient and ideal." Mrs Cooke
Savings customer read more

Our savings customers say...

"The staff are really friendly and welcoming and always ask how I am, I feel like I can have a chat with them." Mrs Thomson
Savings customer read more