Insignis ISA Bonus Terms & Conditions

Version – 01 September 2025

1. ELIGIBILITY

All clients who place funds in one of the 1-Year Fixed Term Products made available on the Insignis platform as part of the Insignis cash ISA between 2 September 2025 and 31 December 2025 (the Promotional Period) will be eligible for the ISA Bonus.  

Funds placed may take the form of either a new subscription for the current tax year or the transfer-in of cash from existing ISA accounts.

To qualify for the ISA Bonus funds placed in the selected 1-Year Fixed Term Product must remain on deposit for the full 12-month term.

2. BONUS PAYMENT

An ISA Bonus of 0.15% AER of the original cash amount deposited in the 1-Year Fixed Term Product (the Bonus Rate) will be paid by Insignis at maturity.  

The ISA Bonus will be calculated by applying the Bonus Rate to the original cash amount deposited during the Promotional Period for the full 12-month term of the product in which the cash is held.

The ISA Bonus will be credited to the client’s cash ISA Hub account within 3 business days following the maturity date.  

The interest paid by the bank offering the 1-Year Fixed Term Product in which a client selected to place funds and the ISA Bonus paid by Insignis will appear separately on the client’s account.

The ISA Bonus will not be paid if the client withdraws their funds from the 1-Year Fixed Term Product before maturity, except in exceptional circumstances (see Section 3).

3. EXCEPTIONAL CIRCUMSTANCES

Notwithstanding the requirement for funds to remain in the 1-Year Fixed Term Product selected for the full term, Insignis will consider the following exceptional circumstances on a case-by-case basis:
- Bereavement: If the client passes away during the product term, the ISA Bonus may be paid at maturity to their estate, subject to the provision of appropriate documentation.
- Loss of Capacity: If the client should become incapacitated necessitating management of their cash ISA account under a Power of Attorney, the bonus may still be honoured at maturity.

Further, requests for early access due to financial hardship or other exceptional events will be reviewed and assessed based on the specific circumstances of the client.

4. GENERAL CONDITIONS

The eligibility period for the ISA Bonus may be extended at the discretion of Insignis.

A client will only be eligible for an ISA Bonus in respect of a single 1-Year Fixed Term Product.

The ISA Bonus is not transferable.

The ISA Bonus will not be eligible for Financial Services Compensation Scheme (FSCS) protection until such time as it has been paid and the funds deposited in the client’s cash ISA Hub account.

5. QUERIES AND COMPLAINTS

Any queries, concerns or complaints should be addressed to the Insignis Client Service team who can be contacted either:  
By telephone: 01223 200 674
By email: client.services@insigniscash.com
By post:  St. Johns Innovation Centre Milton Cambridge CB4 0WS

Any complaints will be handed in accordance with the Insignis Complaints Policy.