Make the most of your savings and maximise your tax free returns with our new 90 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.
4.1% - 4.75% see rates
£1,000 - £9,999.99: 4.1% / 4.1%
£10,000 - £24,999.99: 4.75% / 4.75%
£25,000 - £49,999.99: 4.75% / 4.75%
£50,000 - £100,000: 4.75% / 4.75%
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.
90 days
Age restriction
Minimum or maximum age you must be to open this account.
16 years and over

This product may be withdrawn at any time.

Contact Us

Key features

  • Tax free savings
  • Withdrawals require 90 days notice
  • Minimum opening deposit: £1,000
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Account name

90 Day Notice ISA

When you’re ready to open your account, simply download and complete an application form.

What is the interest rate?

The variable rate below applies from 27 October 2023. Interest is calculated daily and paid annually on 5th April.

£1,000 - £9,999.99 – 4.10% tax free/AER
£10,000 - £24,999.99 - 4.75% tax free/AER
£25,000 - £49,999.99 - 4.75% tax free/AER
£50,000 - £100,000 - 4.75% tax free/AER

When you’re ready to open your account, simply download and complete an application form.

Can Tipton & Coseley Building Society change the interest rate?

We may increase of decrease the interest rate at any time. Further details can be found in our Savings Terms and Conditions, available on our website, in branch or in your welcome pack.

When you’re ready to open your account, simply download and complete an application form.

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 4.10% Tax Free/AER (variable) would be £1,041.11.

The balance after 12 months based on an initial deposit of £10,000 with an interest rate of 4.75% Tax Free/AER (variable) would be £10,476.30.

The balance after 12 months based on an initial deposit of £25,000 with an interest rate of 4.75% Tax Free/AER (variable) would be £26,190.75.

The balance after 12 months based on an initial deposit of £50,000 with an interest rate of 4.75% Tax Free/AER (variable) would be £52,381.51.

These estimations are an illustration only and assumes:

  • the account is opened on 6 April;
  • there are no additional deposits or withdrawals made;
  • interest is paid gross and compounded to the account on 5 April; and
  • there is no change to the interest rate.

When you’re ready to open your account, simply download and complete an application form.

How do I open and manage my account?

You must be aged 16 or over to open an account. Transfers in from other providers are permitted. Joint accounts can’t be opened. Only one account per person is permitted at any one time.

The minimum opening balance is £1,000. You must keep a minimum of £1,000 in the account to keep it open. Withdrawals taking the balance below £1,000 will only be permitted on account closure.

Accounts can be opened at any of our branches, there's no need for an appointment. If you can't get to our branches then you can open your account by post, just send us your application form and a cheque payable to yourself. You can open your account via our website. However, you will not be able to manage, operate, or access your account online. This account is only accessible via our branches or by post. To open an ISA we need your National Insurance number.

For opening deposits made by electronic payments, you must send your initial deposit within 14 days, or the account will be automatically closed.

You can pay in up to the annual ISA allowance each tax year. The allowance is set by the Government and for the current tax year is £20,000. A maximum of £100,000 may be deposited in the account.

You can pay in money by cash or cheque at any of our branches or by cheque through the post. You can also pay into your account by standing order.

This product may be withdrawn at any time.

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

When you’re ready to open your account, simply download and complete an application form.

Can I withdraw money?

Withdrawals require 90 days’ notice or 90 days interest lost on the amount withdrawn. Withdrawals must be a minimum of £500 and must be cheque only. Closure or Transfer to another provider allowed subject to 90 days’ notice or loss of 90 days interest.

If you decide to close your account after 14 days of opening, but before 90 days’ notice is accrued, you will still experience a 90 days loss of interest. If there is insufficient earned interest to cover the 90 day loss of interest then the difference will be taken from the balance in the account.

Withdrawals taking your balance below £50,000, £25,000 and £10,000 will result in a lower rate of interest as noted in the 'What is the interest rate' section above. 

We aim to complete transfers out within 5 working days. Standard branch limits apply.

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.

When you’re ready to open your account, simply download and complete an application form.

Additional information

Interest is paid without tax deducted.

If you decide within 14 days of opening, that the account you’ve chosen isn’t right for you, you can have your money back without charge.

If you cancel your ISA within this period you’re free to subscribe to another ISA in the same tax year. Any interest paid will be exempt from tax.

Tax-Free is the contractual rate of interest payable where interest is exempt from income tax. 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.

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: 27 October 2023

When you’re ready to open your account, simply download and complete an application form.

Account name

90 Day Notice ISA (App)

When you're ready to open your account, simply visit the Tipton App to find out more

What is the interest rate?

The variable rate below applies from 27 October 2023. Interest is calculated daily and paid annually on 5th April.

£1,000 - £9,999.99 – 4.10% tax free/AER
£10,000 - £24,999.99 - 4.75% tax free/AER
£25,000 - £49,999.99 - 4.75% tax free/AER
£50,000 - £100,000 - 4.75% tax free/AER

When you're ready to open your account, simply visit the Tipton App to find out more

Can Tipton & Coseley Building Society change the interest rate?

We may increase of decrease the interest rate at any time. Further details can be found in our Savings Terms and Conditions, available on our website, in branch or in your welcome pack.

When you're ready to open your account, simply visit the Tipton App to find out more

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 4.10% Tax Free/AER (variable) would be £1,041.11.

The balance after 12 months based on an initial deposit of £10,000 with an interest rate of 4.75% Tax Free/AER (variable) would be £10,476.30.

The balance after 12 months based on an initial deposit of £25,000 with an interest rate of 4.75% Tax Free/AER (variable) would be £26,190.75.

The balance after 12 months based on an initial deposit of £50,000 with an interest rate of 4.75% Tax Free/AER (variable) would be £52,381.51.

These estimations are an illustration only and assumes:

  • the account is opened on 6 April;
  • there are no additional deposits or withdrawals made;
  • interest is paid gross and compounded to the account on 5 April; and
  • there is no change to the interest rate.

When you're ready to open your account, simply visit the Tipton App to find out more

How do I open and manage my account?

You must be aged 18 years to open an account. Joint accounts cannot be opened. Transfers in from other providers are permitted. Only one account per customer permitted at any one time.

The minimum opening balance is £1,000. You can open the account via the Tipton App only. Opening deposits must be made by electronic payment from your nominated bank account, and you must send your initial deposit within 14 days, or the account will be automatically closed.

To open an ISA with us we will need your National Insurance number.

You must keep a minimum of £1,000 in your ISA for it to remain open. Withdrawals where you take your balance below £1,000 are only allowed when closing the account.

You can pay money in via the App from your nominated bank account only.  You can pay in up to the annual ISA allowance each tax year. The allowance is set by the Government and for the current tax year is £20,000. A maximum of £100,000 may be deposited in the account. 

When you're ready to open your account, simply visit the Tipton App to find out more

Can I withdraw money?

Withdrawals, closure or transfer to another provider allowed subject to 90 days’ notice or loss of 90 days interest. If you decide to close your account after 14 days of opening, but before 90 days’ notice is accrued, you will still experience a 90 days loss of interest. If there is insufficient earned interest to cover the 90 day loss of interest then the difference will be taken from the balance in the account. Withdrawals taking your balance below £10,000, £25,000 and £50,000 will result in a lower rate of interest, as noted in the ‘What is the interest rate?’ section above.

Withdrawals must be a minimum of £500 and can be made by transfer to your nominated bank account only. No withdrawals are permitted in branch or through the post.

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. Standard branch limits apply.

When you're ready to open your account, simply visit the Tipton App to find out more

Additional information

Interest is paid without tax deducted.

If you decide within 14 days of opening, that the account you’ve chosen isn’t right for you, you can have your money back without charge.

If you cancel your ISA within this period you’re free to subscribe to another ISA in the same tax year. Any interest paid will be exempt from tax.

Tax-Free is the contractual rate of interest payable where interest is exempt from income tax. 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.

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: 27 October 2023

When you're ready to open your account, simply visit the Tipton App to find out more

Ready to apply?

How would you like to apply?

How would you like to apply?

On our app

Apply via our app

By Post

Apply by post

In Branch

Apply at one of our branches

Find a branch

Open account by post

Open account on our app

Open account online

Account Summary

Account name 90 Day Notice ISA
Tax Free/AER 4.1% - 4.75%
Notice for withdrawals 90 days
Age restriction 16 years and over

Things to know...

  • Tax free savings
  • Withdrawals require 90 days notice
  • Minimum opening deposit: £1,000

How to apply

You must print off the following document and post it to our head office:

Tipton & Coseley Building Society,
70 Owen Street,
Tipton,
West Midlands,
DY4 8HG

Download application form

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
SundayClosed
*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.

Please post your completed form to The Tipton & Coseley Building Society, 70 Owen Street, Tipton, West Midlands, DY4 8HG, and remember to include a cheque payable to yourself.

Alternatively, 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 first.

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

When you’re ready to open your account, simply download and complete an application form.


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