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Cash ISA     

Apply for an M&S Cash ISA

Warning

Please correct these errors

Save on a fixed rate or a variable rate or divide your deposit across these options.

You can save up to £20,000 tax free in ISAs for the current tax year.

Your options

Choose how you'd like to save

You can select more than one option

Your deposit

Minimum £500
Minimum £500
Minimum £500

You can't deposit more than £20,000 tax free in ISAs for the current tax year.

Total deposit
—

Where should we pay the fixed rate interest?

We'll pay variable rate interest into your Cash ISA account

Source of funds

Personal details

Warning

Please correct these errors

As it appears on your identity documents including any middle names.

Gender

Are you known or have you been known by another name?
Such as a maiden or professional name

Previous name

Previous name 2

Previous name 3

Previous name 4

Previous name 5

Contact details

Type of phone number

Where you live and pay taxes

Are you a permanent resident in the UK?

You have to be a permanent resident in the UK to subscribe. If you are a Crown employee serving overseas, or are married to, or in a civil partnership with such a person, please call 0808 002 2222.

Are you resident for tax purposes anywhere outside the UK?

Tax residency 2 should be different from Tax residency 1

Birthplace and nationality

Nationality 2 should be different from nationality 1

Nationality 3 should be different from nationality 1 and nationality 2

Your permanent residential address

Warning

Please correct these errors

How long have you lived there?

Previous residential address 1

If your previous address was overseas

How long have you lived there?

Previous residential address 2

If your previous address was overseas

How long have you lived there?

Previous residential address 3

If your previous address was overseas

How long have you lived there?

Previous residential address 4

If your previous address was overseas

How long have you lived there?

Previous residential address 5

If your previous address was overseas

How long have you lived there?

Employment and income

Warning

Please correct these errors

What is your role within the business?

What is your role within the business?

Your income

Before tax and other deductions

Do you have a National Insurance number?

Are you eligible for a National Insurance Number?

More info

Please do not include spaces

Bank account details

Warning

Please correct these errors

For withdrawals from your Cash ISA account.

For your interest payments and any withdrawals.

For your fixed rate interest payments and any withdrawals.

We'll pay variable rate interest into your Cash ISA account.

Debit card details

Warning

Please correct these errors

You will need to pay your deposit with a card registered at your current address. This must be a debit card

Deposit amount
—
Last 3 digits on back of the card

Check your details

You're almost done. Just check your answers and agree to the terms and conditions.

Your deposit

1 Year Fixed Rate Savings

Deposit
—
Interest to be paid into:
—

2 Year Fixed Rate Savings

Deposit
—
Interest to be paid into:
—

3 Year Fixed Rate Savings

Deposit
—
Interest to be paid into:
—

Advantage Cash ISA (Variable rate)

Deposit
—

Interest is automatically paid into your cash ISA account.

Bank account details

Account holder name :
—
Account number:
—
Sort code:
—
Building society roll number:
—

Debit card details

Total deposit amount :
—
Name on card:
—
Card number:
—

Special offers

Do you want to hear about special offers, products and services?
Includes offers from the HSBC Group, M&S Group and approved third parties

Don’t worry if your contact preferences change or you would like to opt out of receiving marketing – you can update this at any time by contacting us. To learn more about how we use your details for marketing purposes, you can read our privacy notice.

Privacy notice 

Read important information

By clicking the 'I agree' button, you confirm that you have read and agree with the following Declaration.

Savings details declaration

I apply to subscribe to a M&S Cash ISA for the tax year commencing 6 April 2025 and each subsequent tax year until further notice.

This election simply makes it easy for you to subscribe to each subsequent tax year’s ISA – it is not a commitment on your part to subscribe each year.

I declare that:

  • I am 18 years of age or over 
  • I agree to the M&S cash ISA Terms and Conditions
  • All subscriptions made, and to be made, belong to me
  • I have not subscribed and will not subscribe more than the overall ISA subscription limit total in the same tax year
  • I am resident in the United Kingdom for tax purposes or, if not so resident, either perform duties which, by virtue of Section 28 of Income Tax (Earnings & Pensions) Act 2003 (Crown employees serving overseas), are treated as being performed in the United Kingdom, or I am married to, or in a civil partnership with, a person who performs such duties. I will inform Marks and Spencer Financial Services plc if I cease to be so resident or to perform such duties or be married to, or in a civil partnership with, a person who performs such duties.

I authorise Marks & Spencer Financial Services plc:

  • to hold my cash subscription, and any interest earned on those subscriptions
  • to make on my behalf any claims to relief from tax in respect of ISA investments.

I have read the Key Features Document (PDF) , Cash ISA Terms and Conditions (PDF) , UK FSCS Information Sheet and Exclusions List (PDF) and our Privacy Notice (PDF) .

I declare that this application form has been completed to the best of my knowledge and belief. I will notify Marks and Spencer Financial Services plc without any delay of any change in my circumstances affecting any of the information given in this application.

This application, the Marks & Spencer Cash Individual Savings Account Terms and Conditions and the Fixed Rate Savings (Cash ISA) Terms and Conditions comprise the agreement between us.

 

Important Information

Credit reference agency information

We may search and share your personal information (e.g. name, address and date of birth) and that of any joint applicants, with credit reference agencies to process your application and verify your identity. If you are providing information about others, it is important that you tell them about this and that they know that an identity check will be carried out on them.

 

Fraud Prevention Information

The personal information we have collected from you will be shared with fraud prevention agencies who will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance or employment.

For more information on how we, CRAs and fraud prevention agencies may use your information for these purposes and your data privacy rights, see our Guide to Credit Scoring, Credit Reference and Fraud Prevention Agencies.

Thanks for applying

We'll be in touch in 5 working days.

More savings and investment options

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To apply, call 0808 002 2222.

Please check our website for the latest opening hours.

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