Cash ISAs

The Newcastle's General Savings Terms & Conditions will apply unless they are inconsistent with these Special Conditions, effective from the date of the account opening.

1. The Account is a variable rate account.
2. The Account is operated online.
3. The minimum investment in the account is £1. The maximum investment is your allowance for 2011/2012 tax year of £5,340. Transfers from other ISA providers are also permitted.
4. The Account can be held in a single name only.
5. After placing your Investment in the account you may make further deposits while the Account is a current issue. The Account may be withdrawn at any time.
6. Withdrawals can be made without notice or penalty.
7. Interest is calculated daily and is credited to the Account on 1^st December each year.
8. Details are correct as at 18/04/2011.

The Newcastle's General Terms & Conditions will apply unless they are inconsistent with these Special Conditions, effective from the date of the account opening.

1. The Account is a variable rate account.
2. The Account can be operated in branch, by post, telephone or online.
3. The minimum investment in the Account is £1. The maximum investment is your allowance for 2011/2012 tax year of £5,340. Transfers from other ISA providers are also permitted.
4. The Account can be held in a single name only.
5. After placing your Investment in the Account you may make further deposits while the account is a current issue.
6. Withdrawals can be made without notice or penalty.
7. Interest is calculated daily and is credited to the account on account anniversary.
8. You must be aged 16 or over to open this account.
9. ‘Account Anniversary’ means twelve months from account opening and each subsequent twelve month period.
10. Details correct 28/03/2011

The Newcastle's Savings General Terms & Conditions will apply unless they are inconsistent with these Special Conditions, effective from the date of the account opening.

1. The Account is a fixed rate account.
2. The Account can be operated by branch, post or telephone. The account can be applied for online, but once opened will be operated by post with a passcard.
3. The minimum investment in the account is £500. The maximum investment is your allowance for the current tax year. Transfers of previous and current years ISA subscriptions from other ISA providers are also permitted.
4. The Account can be held in a single name only.
5. After placing your Investment in the account you may make further deposits while the Account is a current issue, ISA limits apply. The Account is a limited issue and may be withdrawn at any time.
6. Withdrawals can be made subject to 30 days loss of interest. If sufficient interest has not been earned then the penalty will be taken from your capital.
7. On maturity the Account will automatically transfer to the Newcastle's maturity account. We will write to you prior to maturity to advise you of any amendments to the terms and conditions of your Account. These amendments may include access terms, withdrawal arrangements and the duration of the Account. Following the day of maturity you have 28 days in which to withdraw funds penalty free, thereafter the maturity Account Terms & Conditions will apply.
8. Interest is calculated daily and is paid on 4 March 2013 or monthly.
9. Should the final day of a calendar month be a business day then any monthly interest paid to a third party will be paid on that day. Otherwise it will be paid on the following business day. Any final monthly interest due on maturity will be credited to the account.
10. Interest can be paid to your account, or to a third party bank or building society account.
11. Should the balance held in the account fall below the minimum balance stated above, interest will be paid at a rate of 0.10% Gross/AER*
12. Details are correct as at 1st February 2012.

The Newcastle's Savings General Terms & Conditions will apply unless they are inconsistent with these Special Conditions, effective from the date of the account opening.

1. The Account is a fixed rate account.
2. The Account can be operated by branch, post or telephone. The account can be applied for online, but once opened will be operated by post with a passcard.
3. The minimum investment in the account is £500. The maximum investment is your allowance for 2011/2012 tax year of £5,340. Transfers of previous and current years ISA subscriptions from other ISA providers are also permitted.
4. The Account can be held in a single name only.
5. After placing your Investment in the account you may make further deposits while the Account is a current issue, ISA limits apply. The Account is a limited issue and may be withdrawn at any time.
6. Withdrawals can be made subject to 60 days loss of interest. If insufficient interest has not been earned then the penalty will be taken from your capital.
7. On maturity the Account will automatically transfer to the Newcastle's maturity account. We will write to you prior to maturity to advise you of any amendments to the terms and conditions of your Account. These amendments may include access terms, withdrawal arrangements and the duration of the Account. Following the day of maturity you have 28 days in which to withdraw funds penalty free, thereafter the Maturity Account Terms & Conditions will apply.
8. Interest is calculated daily and is paid on 20th Jan 2012, 2013 and on maturity (20th Jan 2014) or monthly.
9. Should the final day of a calendar month be a business day then any monthly interest paid to a third party will be paid on that day. Otherwise it will be paid on the following business day. Any final monthly interest due on maturity will be credited to the account.
10. Interest is calculated daily and is credited to the Account annually and on maturity or monthly to a third party bank account.
11. Should the balance held in the account fall below the minimum balance stated above, interest will be paid at a rate of 0.10% Gross/AER*
12. Details are correct as at 11/11/2011.

The Newcastle's Savings General Terms & Conditions will apply unless they are inconsistent with these Special Conditions, effective from the date of the account opening.

1. The Account is a fixed rate account.
2. The Account can be operated by branch, post or telephone. The account can be applied for online, but once opened will be operated by post with a passcard.
3. The minimum investment in the account is £500. The maximum investment is your allowance for 2011/2012 tax year of £5,340. Transfers of previous and current years ISA subscriptions from other ISA providers are also permitted.
4. The Account can be held in a single name only.
5. After placing your Investment in the account you may make further deposits while the Account is a current issue, ISA limits apply. The Account is a limited issue and may be withdrawn at any time.
6. Withdrawals can be made subject to 90 days loss of interest. If insufficient interest has not been earned then the penalty will be taken from your capital.
7. On maturity the Account will automatically transfer to the Newcastle's maturity account. We will write to you prior to maturity to advise you of any amendments to the terms and conditions of your Account. These amendments may include access terms, withdrawal arrangements and the duration of the Account. Following the day of maturity you have 28 days in which to withdraw funds penalty free, thereafter the Maturity Account Terms & Conditions will apply.
8. Should the final day of a calendar month be a business day then any monthly interest paid to a third party will be paid on that day. Otherwise it will be paid on the following business day. Any final monthly interest due on maturity will be credited to the account.
9. Interest is calculated daily and is paid annually commencing on 20th Jan 2012 or monthly.
10. Interest is calculated daily and is credited to the Account annually and on maturity or monthly to a third party bank account.
11. Should the balance held in the account fall below the minimum balance stated above, interest will be paid at a rate of 0.10% Gross/AER*
12. Details are correct as at 11/11/2011.

The Newcastle's Savings General Terms & Conditions will apply unless they are inconsistent with these Special Conditions, effective from the date of the account opening.

1. The Account is a fixed rate account.
2. The Account can be operated by branch, post or telephone. The account can be applied for online, but once opened will be operated by post with a passcard.
3. The minimum investment in the account is £500. The maximum investment is your allowance for 2011/2012 tax year of £5,340. Transfers of previous and current years ISA subscriptions from other ISA providers are also permitted.
4. The Account can be held in a single name only.
5. After placing your Investment in the account you may make further deposits while the Account is a current issue, ISA limits apply. The Account is a limited issue and may be withdrawn at any time.
6. Withdrawals can be made subject to 120 days loss of interest. If insufficient interest has not been earned then the penalty will be taken from your capital. For the avoidance of doubt closure of the account or transfers to another account with the Society or to another provider are classed as withdrawals.
7. On maturity the Account will automatically transfer to the Newcastle's maturity account. We will write to you prior to maturity to advise you of any amendments to the terms and conditions of your Account. These amendments may include access terms, withdrawal arrangements and the duration of the Account. Following the day of maturity you have 28 days in which to withdraw funds penalty free, thereafter the Maturity Account Terms & Conditions will apply.
8. Interest is calculated daily and is paid annually commencing on 20th Jan 2012 on maturity or monthly.
9. Should the final day of a calendar month be a business day then any monthly interest paid to a third party will be paid on that day. Otherwise it will be paid on the following business day. Any final monthly interest due on maturity will be credited to the account.
10. Interest is calculated daily and is credited to the Account annually and on maturity or monthly to a third party bank account.
11. Should the balance held in the account fall below the minimum balance stated above, interest will be paid at a rate of 0.10% Gross/AER*
12. Details are correct as at 11/11/2011.

The Newcastle's Savings General Terms & Conditions will apply unless they are inconsistent with these Special Conditions, effective from the date of the Account opening.

1. The Account is a variable rate account.
2. The Account can be held in a single name only.
3. The minimum initial investment in the Account is £1 the maximum is £500. The maximum investment in one tax year is your allowance for that tax year (currently £5,340 for the 2010/2011 tax year). ISA transfers in are not permitted.
4. The Account can be operated in branch, by telephone, by post or online.
5. After placing your Investment in the Account you may make further Deposits. There is no limit to the number of Investments you can make in any one month; however the total value must not exceed £500, and the maximum ISA limit for the current tax year.
6. If you save £5,000 to £9,999.99 in this account and a mortgage is completed with the Society, we will pay you a £500 cash reward via cheque on upon completion of your mortgage. If you save £10,000 or more and a mortgage is completed with the Society we will pay you a £1,000 cash reward via cheque upon completion of your mortgage.
7. This savings account does not guarantee you will be approved for a mortgage with the Society. To take a mortgage with the Society you will need to meet our standard lending criteria we will carry out credit checks and may obtain references to check your financial circumstances
8. When you have saved your deposit you may choose a mortgage product from our current range available at that time. The offer of any mortgage product will be subject to meeting the terms and conditions of the product. If for any reason you are unable to proceed with a mortgage a cash reward will not be paid.
9. Only one bonus is payable per mortgage taken. If two or more Newcastle Big Home Savers/ISA's are used to provide for the deposit for a house purchase, the cash reward will be split equally between the account holders. If two Newcastle Big Home Savers/ISA's are used together for a mortgage deposit the bonus will paid based on the value of both accounts together.
10. You must hold the Newcastle Big Home Saver for at least 12 months in order to receive a cash reward payment on the completion of a mortgage.
11. Interest is calculated daily and credited to the Account on each Monthly Anniversary.
12. 'Monthly Anniversary' is taken from the date of Account opening. For example if the Account is opened on the 27th January, the Monthly Anniversary is the 27th of each subsequent month.
13. The bonus on your Account is variable.
14. The bonus on your Account will be paid as long as you make at least one Deposit and make no withdrawals in each Bonus Qualifying Period
15. A Bonus Qualifying Period is classed as the time between each Monthly Anniversary (for example if your account was opened 27th January 2011, the first Bonus Qualifying Period would be 27th January 2011 to 26th February 2011, the second would be 27th February 2011 to 26th March 2011 etc). If your Monthly Anniversary does not exist in a particular month the Monthly Anniversary date will be the final day of the month. For example if you open your account on 31st January 2011, your first Bonus Qualifying Period will end on 28th February 2011.
16. A 'Deposit' is defined as a minimum investment of £1.
17. Withdrawals are available without notice or penalty.
18. If you do not make an investment or make a withdrawal during a Bonus Qualifying Period, your account will be credited with the non-bonus interest rate, currently 1.98% Gross* / 2.00% AER** (variable), in that month
19. Details correct at 14/09/11.

The Newcastle's Savings General Terms & Conditions will apply unless they are inconsistent with these Special Conditions, effective from the date of the account opening.

1. The Account is a variable rate account with an unconditional bonus paid for twelve months from account opening.
2. The interest and bonus are calculated daily and paid on the first anniversary of account opening, (or on the monthly anniversary at a reduced rate). Following the initial 12 months, interest will be paid at the non bonus rate (currently 2.10% Gross/AER* for annual interest and 1.85% Gross/1.87% AER* for monthly interest, at the time of launch).
3. The account is operated by branch only.
4. The minimum investment in the account is £1. The maximum investment is your allowance for 2011/2012 tax year of £5,340. Transfers of previous and current years ISA subscriptions from other ISA providers are also permitted.
5. The Account can be held in a single name only.
6. After placing your Investment in the account you may make unlimited further deposits or withdrawals subject to the minimum and maximum balances and withdrawal terms shown above.
7. The Account is a limited issue and may be withdrawn to new applicants at any time and at short notice.
8. A maximum of two penalty free and without notice withdrawals are permitted per Year; a third withdrawal in any one Year will result in Account closure.
9. A 'Year' is defined as the 12 month period following the day the account was opened and each subsequent 12 month period.
10. Interest can be paid annually or monthly to your Account or to a third party bank or building society account.
11. Should the final day of a calendar month be a business day then any monthly interest paid to a third party will be paid on that day. Otherwise it will be paid on the following business day.
12. If any monthly interest payable is less than £1, it will not be paid away to a third party bank or building society account. The amount will be added to your Newcastle Bonus Saver (Issue 2).
13. Details are correct as at 19 December 2011.