Additional information

Instant Cash ISA
Tax-free savings, with instant access to your money

Loyalty rewarded

Make the most of your 2018/19 ISA allowance of $20,000. If you bank with us, you could pay in or open a new ISA online in minutes.

If you haven’t already, you can register for Online Banking.

  • Use your $20,000 ISA allowance before the tax year ends on 5 April, and you won’t get taxed on any interest you make.
  • Open with $1 or transfer-in an existing ISA in just 3 steps
  • 0.60% AER/tax-free per year2 variable on balances of $1 to $29,999
  • 0.65% AER/tax-free per year2 variable on balances of $30,000 to $99,999
  • 0.75% AER/tax-free per year2 variable on balances of $100,000+ and over

Can Golden Horizon Online change the interest rate?

Yes, rates are variable. We can increase or decrease the interest rates for the reasons set out in our 'Golden Horizon Online and you' booklet, which is available in branch, or you can read our Terms and conditions for Personal customers. Both also explain when we may change the interest rates, and the notice we’ll give you.

How do I open and manage my account?

You can open an account online, in branch or over the phone. Please see the ‘How to apply’ section below for more details.

You can manage your account in branch, or using Online Banking, Reliance Mobile Banking or Telephone Banking – provided you’re registered3.

The minimum opening balance allowed is $0 if the Instant Cash ISA - Issue 1 is being funded by an ISA transfer-in, otherwise the minimum deposit is $1.

Additional information

Money withdrawn from your Instant Cash ISA - Issue 1 and put back into the account within the same tax year doesn’t count towards your annual ISA allowance

Transfers-in and transfers-out from and to other ISAs are allowed

You can offset your savings account against your mortgage – but if you do, you will not earn any interest on your savings

We may withdraw the availability of Instant Cash ISA - Issue 1 at any time without notice. This will only apply to new accounts opened from that time

Readdy AI Widget Integration Complete Implementation Guide Choose either Option A (HTML Snippet) or Option B (Programmatic Injection). Do not use both simultaneously. 📦 Option A — Direct HTML Snippet Place this code just before the closing tag in your index.html: html Features: ✅ Simple copy-paste solution ✅ Loads automatically with your page ✅ No JavaScript required ✅ Includes defer attribute for optimal loading ⚡ Option B — Programmatic TypeScript/JavaScript 1. Create the Helper File Create readdyWidget.ts (or readdyWidget.js for JavaScript): typescript /** * Readdy AI Widget Programmatic Injection Helper * Use this in frameworks like React, Vue, Angular, or vanilla JS projects */ export interface ReaddyWidgetConfig { /** Your Readdy project ID (default: your new ID) */ projectId?: string; /** Widget mode: 'chat' | 'voice' | 'hybrid' */ mode?: 'chat' | 'voice' | 'hybrid'; /** Show voice transcript */ voiceShowTranscript?: boolean; /** Theme: 'light' | 'dark' | 'auto' */ theme?: 'light' | 'dark' | 'auto'; /** Size: 'compact' | 'large' */ size?: 'compact' | 'large'; /** Accent color (hex) */ accentColor?: string; /** Button base color (hex) */ buttonBaseColor?: string; /** Button accent color (hex) */ buttonAccentColor?: string; /** Main label text */ mainLabel?: string; /** Start button text */ startButtonText?: string; /** End button text */ endButtonText?: string; } /** * Initialize Readdy AI widget programmatically * @param config - Optional configuration overrides */ export function initReaddyWidget(config: ReaddyWidgetConfig = {}): void { // Prevent duplicate injection if (document.querySelector('script[src*="readdy.ai/api/public/assistant/widget"]')) { console.warn('Readdy widget already initialized'); return; } // Use provided config or defaults const { projectId = '51f4be75-9f31-4ee3-b610-4cbe35507b1a', mode = 'hybrid', voiceShowTranscript = true, theme = 'light', size = 'compact', accentColor = '#14B8A6', buttonBaseColor = '#1F2937', buttonAccentColor = '#FFFFFF', mainLabel = 'Luca Homes Assistant', startButtonText = 'Start Chat', endButtonText = 'End Chat', } = config; // Create script element const script = document.createElement('script'); // Build URL with query parameters const url = new URL('https://readdy.ai/api/public/assistant/widget'); url.searchParams.set('projectId', projectId); // Set attributes script.src = url.toString(); script.setAttribute('mode', mode); script.setAttribute('voice-show-transcript', voiceShowTranscript.toString()); script.setAttribute('theme', theme); script.setAttribute('size', size); script.setAttribute('accent-color', accentColor); script.setAttribute('button-base-color', buttonBaseColor); script.setAttribute('button-accent-color', buttonAccentColor); script.setAttribute('main-label', mainLabel); script.setAttribute('start-button-text', startButtonText); script.setAttribute('end-button-text', endButtonText); script.defer = true; script.id = 'readdy-ai-widget'; // Append to body document.body.appendChild(script); console.log('Readdy widget initialized with project ID:', projectId); } /** * Remove Readdy widget from DOM */ export function removeReaddyWidget(): void { const widgetScript = document.getElementById('readdy-ai-widget'); if (widgetScript) { widgetScript.remove(); console.log('Readdy widget removed'); } } /** * Check if widget is already loaded */ export function isReaddyWidgetLoaded(): boolean { return !!document.querySelector('script[src*="readdy.ai/api/public/assistant/widget"]'); } 2. Usage Examples React/Next.js: tsx import { useEffect } from 'react'; import { initReaddyWidget } from './lib/readdyWidget'; function App() { useEffect(() => { initReaddyWidget({ // Optional overrides theme: 'auto', // Dark/light based on system size: 'large', }); }, []); return ; } Vue 3: vue Angular: typescript import { Component, OnInit } from '@angular/core'; import { initReaddyWidget } from './lib/readdyWidget'; @Component({ selector: 'app-root', template: `...` }) export class AppComponent implements OnInit { ngOnInit() { initReaddyWidget(); } } Vanilla JavaScript: javascript // In your main.js file import { initReaddyWidget } from './lib/readdyWidget.js'; document.addEventListener('DOMContentLoaded', () => { initReaddyWidget({ mainLabel: 'Custom Assistant', accentColor: '#FF6B6B', }); }); Advanced Control: typescript import { initReaddyWidget, removeReaddyWidget, isReaddyWidgetLoaded } from './lib/readdyWidget'; // Initialize with custom config initReaddyWidget({ projectId: '51f4be75-9f31-4ee3-b610-4cbe35507b1a', mode: 'voice', theme: 'dark', mainLabel: 'Sales Assistant', accentColor: '#3B82F6', }); // Check if loaded console.log('Widget loaded:', isReaddyWidgetLoaded()); // Remove when needed (e.g., on page exit) window.addEventListener('beforeunload', () => { removeReaddyWidget(); }); 📋 Quick Comparison Feature Option A (HTML) Option B (Programmatic) Ease ⭐⭐⭐⭐⭐ (Copy-paste) ⭐⭐⭐ (Requires setup) Control ⭐⭐ (Static) ⭐⭐⭐⭐⭐ (Dynamic) Framework Support All All (especially SPA frameworks) Conditional Loading ❌ ✅ Customization ❌ (Hard-coded) ✅ (Runtime config) Duplicate Prevention Manual check Built-in 🚀 Recommendation Use Option A if: You want the simplest solution, don't need dynamic control, or are not using a JavaScript framework. Use Option B if: You're using React/Vue/Angular, need conditional loading, or want runtime configuration. 🔧 Configuration Options Reference Parameter Type Default Description projectId string 51f4be75-9f31-4ee3-b610-4cbe35507b1a Your Readdy assistant ID mode chat/voice/hybrid hybrid Interaction mode voiceShowTranscript boolean true Show text for voice interactions theme light/dark/auto light Color theme size compact/large compact Widget size accentColor hex string #14B8A6 Primary accent color buttonBaseColor hex string #1F2937 Button background buttonAccentColor hex string #FFFFFF Button text color mainLabel string Luca Homes Assistant Widget title startButtonText string Start Chat Initial button text endButtonText string End Chat Close button text ⚠️ Important Notes Do NOT use both options together - This will create duplicate widgets Project ID is already updated - 51f4be75-9f31-4ee3-b610-4cbe35507b1a is set as default Framework-specific timing: React: Use useEffect or componentDidMount Vue: Use onMounted lifecycle hook Angular: Use ngOnInit Vanilla JS: Use DOMContentLoaded event Mobile optimization: The widget is automatically responsive