Britannia Capital Bond Cash ISA
At Britannia we think it’s fair to offer you a range of tax free options to help your money grow. With our Britannia Capital Bond Cash ISA you could potentially benefit from a great return, providing you’re willing to put your money away for the longer term. It is possible that your money may not earn a return.
As these accounts are a long term commitment, you'll need to make an appointment with the Financial Planning Manager in your local branch in order to open one.
Great earning potential
Investing in the stock market is one way to benefit from potentially higher growth than normal savings, but it is riskier and you could lose some or all of your capital.
With a Britannia Capital Bond Cash ISA your money isn’t directly invested in the stock market. Therefore it is not exposed to the same risks, so you can feel safe in the knowledge that as long as you make no withdrawals, you will get your original capital back, and have the potential of earning a great return. However, this means that the growth potential of your savings may not be as high as investing directly in the stock market.
We use the performance of the FTSE® 100 Index to determine whether you’ll receive any return and even if the FTSE® 100 Index has fallen at the end of your Bond, you will still get your capital back.
It is possible that no return will be paid and the effects of any inflation will reduce the true value of your savings.
Please see our 
product information guide for an explanation of the 'FTSE® 100 Index' and 'Averaging'and more details about how the product works including the key dates.
Our Britannia Capital Bond Cash ISAs are limited issue products and can be withdrawn at any time.
| Summary Box Key Product Information for our Savings Account |
|
|---|---|
| Account Name | Britannia Capital Bond Cash ISA |
| Interest Rates (AERs) | The minimum opening balance is £5,340 for the 2011/2012 tax year*, and/or any amount in the case of transfers of your cash ISA savings from previous tax years*. |
| Tax Status | Interest is paid tax free* |
| Condition for bonus payment | No bonus payments exist for this account |
| Withdrawal arrangements |
No interest will be payable on amounts withdrawn or transferred. Withdrawals and transfers are subject to payment of a non-refundable ISA Access Fee calculated as follows ("BBR" = Bank of England Base Rate at the date the withdrawal or transfer request was made):
Withdrawals and transfers of capital cannot be replaced. |
| Access | Britannia branch and by post |
Although Cash ISAs are a tax free way of saving, this favourable tax treatment depends on individual circumstances and may be subject to change in the future.
*For an explanation of terms, such as AER and Tax Free, please see our glossary 
.
Britannia is a trading name of The Co-operative Bank plc, which is a member of the Financial Services Compensation Scheme (FSCS) that would pay compensation to eligible customers in the unlikely event of the Bank becoming insolvent. Find out more
How to apply
Financial Planning Managers are here to guide you to make the right decisions to help with your financial goals.
Get in touch with your local branch to arrange an appointment today.
The Co-operative Bank p.l.c. Registered office: P.O. Box 101, 1 Balloon Street, Manchester, M60 4EP. Registered in England and Wales No. 990937.
The Co-operative Bank is authorised and regulated by the Financial Services Authority (No. 121885), subscribes to the Lending Code and the Financial Ombudsman Service and is licensed by the Office of Fair Trading (No. 006110).
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