With Individual Savings Accounts (ISAs), you don't pay tax on any interest you earn. That's because an ISA shelters your money from tax and gives your finances a helping hand.

You can only pay into (subscribe to) one cash ISA in any tax year. However, you can change your provider during the year by switching - Find out more about transferring your ISA to Ulster Bank.

The government sets a limit on how much you can subscribe in every tax year (from 6 April to 5 April in the following year).

• From 6 April 2010, all customers are able to subscribe up to £5,100 in their cash ISA

The overall ISA allowance is currently £10,200, and is made up of a cash ISA allowance and a Stocks and Shares ISA allowance. If you pay more than £5,100 into a stocks and shares ISA, your cash ISA allowance is reduced to ensure no more than the full limit is deposited to ISAs in any tax year.

If you already have a cash ISA and haven't paid money in for a whole tax year you'll need to complete a re-activation form (PDF) before you can pay money in again. Please take your completed form to your local branch or send back to:

Central Tax Unit,
Ulster Bank Limited,
Danesfort,
Stranmillis Road,
Belfast
BT9 5UB.