A high voltage tolerant transceiver operating at a low voltage is provided, including two input/output pads to receive a receive signal and transmit a transmit signal; a transmitter block to transmit the transmit signal; a receiver block to receive the receive signal and provide an amplified signal; at least one of the transmitter block and the receiver block further comprising at least two NMOS transistors having their gate coupled to a low power supply to receive the low voltage, their substrate coupled to ground, and their source coupled to the input/output pad. Also provided is a circuit to isolate the output of a transmitter from high voltages, including a first transistor and a second transistor. Also provided is a substrate isolating circuit, including a first transistor, a second transistor, and a third transistor so that the substrate voltage is isolated from a high voltage in the pads. Further provided is a bias isolating circuit so that an input bias voltage is isolated from a high voltage in the pads.