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Banking & Saving ISA

Compare ISAs

Compare high interest ISAs from leading providers and earn the highest tax free returns around! Choose from Cash ISAs, Income ISAs, Growth ISAs and Share Dealing ISAs and make the most of your allowance.

Claim Your 09/10 Tax Free ISA Allowance Now

You have until 5th April 2010 to take advantage of your 2009/10 ISA allowance, which means you can deposit up to £7,200 into ISAs every year.

The Chancellor announced an increase in the ISA limit in his 2009 budget. As of 6 October 2009, all savers aged 50 and over are now eligible to invest up to £10,200 into ISAs, which includes a maximum of £5,100 in cash ISAs. This new limit will be available to everyone else in April 2010. For more information on this see the update in the 'ISAs Explained' section below.

Please remember, you can only open one ISA each financial year and you are only allowed to add funds to one ISA during each financial year. You can however transfer existing ISA balances to a new ISA if you see a better rate offered (providing that ISA allows transfers).
Provider Account AER Notice Deposit Per Year Apply
Min Max
No withdrawals allowed. Transfer your existing ISA balances to this ISA and get 4.25% AER. Minimum deposit £500.
4.25%
Instant
£500 £3,600
No withdrawals allowed. Transfer your existing ISA balances to this ISA and get 3.75% AER. Minimum deposit £500.
3.75%
Instant
£500 £3,600
No withdrawals allowed. Transfer your existing ISA balances to this ISA and get 3.50% AER. Minimum deposit £500.
3.50%
Instant
£500 £3,600
Get 2.70% AER/Tax Free on balances of £3,000 - £14,999 or up to 3.30% AER/Tax Free on balances of £30k+. You CAN transfer your existing ISA balances to this ISA. YOU MUST BE AN EXISTING LLOYDS CUSTOMER
3.30%
Instant
£3,000 £150,000
Deposit £1k - £9k and get 2.0% AER for 12 months. Deposit £9K+ and get 2.75% AER for 12 months. Transfer your existing ISA balances to this ISA. NO withdrawal Restrictions
2.75%
Instant
£9,000 £150,000
Deposit £1k - £9k and get 2.0% AER for 12 months. Deposit £9K+ and get 2.75% AER for 12 months. Transfer your existing ISA balances to this ISA. NO withdrawal Restrictions
2.75%
Instant
£9,000 £150,000
Rate includes 1.50% gross p.a. bonus fixed for 12 months. You can NOT transfer your existing ISA balances to this ISA. YOU MUST BE AN EXISTING LLOYDS CUSTOMER
2.50%
Instant
£1 £3,600
No withdrawals allowed. Transfer your existing ISA balances to this ISA and get 2.50% AER. Minimum £500 deposit.
2.50%
Instant
£500 £3,600
Deposit £1 - £10K and get 2.0% AER. Deposit £10-£30K and get 2.25% AER. £30K+ = 2.50% AER. No withdrawal Penalties. You CAN transfer your existing ISA balances to this ISA
2.50%
Instant
£1 £3,600
Rate includes 1.47% gross p.a. bonus fixed for 12 months. You can NOT transfer your existing ISA balances to this ISA.
2.50%
Instant
£1 £3,600
Deposit £1k - £9k and get 2.0% AER for 12 months. Deposit £9K+ and get 2.75% AER for 12 months. Transfer your existing ISA balances to this ISA. NO withdrawal Restrictions
2%
Instant
£1 £9,000
Deposit £1k - £9k and get 2.0% AER for 12 months. Deposit £9K+ and get 2.75% AER for 12 months. Transfer your existing ISA balances to this ISA. NO withdrawal Restrictions
2%
Instant
£1 £3,600
Earn up to 2% AER depending your deposit. Interest Paid Monthly. No withdrawal Penalties. Transfer your existing ISA balances to this ISA
2%
Instant
£1 £3,600
NO bonus period included. NO Withdrawal Restrictions. You CAN transfer your existing ISA balances to this ISA
1.80%
Instant
£1 £3,600
  • Get 4.25% AER Fixed for 4 Years
  • Minimum opening balance - £500
  • Maximum balance - up to £3,600 (£5,100 for those aged 50 or above on or before 5 April 2010) in any one tax year
  • No withdrawals
  • No additional deposits - after account opening. However, if you are aged 50 or above on or before 5 April 2010 and you have funded your fixed rate ISA with current year funds you can make a one-off extra payment into your account before 6 April 2010 so you can take advantage of the new ISA limit of £5,100.
  • Manage your savings - In branch, by phone or view your balance online 24/7
  • Britain's No 1 for ISAs*
  • Number of accounts - you can only fund one cash ISA during any one tax year. If you already have an ISA with another provider and want to take advantage of our cash ISA interest rate, ask to transfer your ISA today
  • YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme
  • Get 3.75% AER Fixed for 3 Years
  • Minimum opening balance - £500
  • Maximum balance - up to £3,600 (£5,100 for those aged 50 or above on or before 5 April 2010) in any one tax year
  • No withdrawals
  • No additional deposits - after account opening. However, if you are aged 50 or above on or before 5 April 2010 and you have funded your fixed rate ISA with current year funds you can make a one-off extra payment into your account before 6 April 2010 so you can take advantage of the new ISA limit of £5,100.
  • Manage your savings - In branch, by phone or view your balance online 24/7
  • Britain's No 1 for ISAs*
  • Number of accounts - you can only fund one cash ISA during any one tax year. If you already have an ISA with another provider and want to take advantage of our cash ISA interest rate, ask to transfer your ISA today
  • YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme
  • Get 3.50% AER Fixed for 2 Years
  • Minimum opening balance - £500
  • Maximum balance - up to £3,600 (£5,100 for those aged 50 or above on or before 5 April 2010) in any one tax year
  • No withdrawals
  • No additional deposits - after account opening. However, if you are aged 50 or above on or before 5 April 2010 and you have funded your fixed rate ISA with current year funds you can make a one-off extra payment into your account before 6 April 2010 so you can take advantage of the new ISA limit of £5,100.
  • Manage your savings - In branch, by phone or view your balance online 24/7
  • Britain's No 1 for ISAs*
  • Number of accounts - you can only fund one cash ISA during any one tax year. If you already have an ISA with another provider and want to take advantage of our cash ISA interest rate, ask to transfer your ISA today
  • YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme
  • Save up to £3,600 in the 2009/10 tax year without paying any tax on the interest
  • Transfer/Deposit £1 - £9,000 & get 2.0% AER (includes a 12 month variable rate bonus of 1.50% gross/AER)
  • Transfer/Deposit £9,000+ & get 3.0% AER (includes a 12 month variable rate bonus of 2.00% gross/AER)
  • After 12 month intro rate reduces to:
  • £1 - £9,000 = 0.5%AER
  • £9,000 + 1.00%AER
  • Pay-in/Withdraw via Abbey Branch, Online, and Telephone
  • YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme
  • Enjoy TAX-FREE saving with our simple cash ISA account.
  • Direct ISA (Issue 6): 2.75% AER tax-free (variable) from £9k+
  • 2.00% AER tax-free (variable) from £1k+ which includes a 12 month variable rate bonus of 1.50% AER tax-free
  • 2.75% AER tax-free (variable) from £9k+ which includes a 12 month variable rate bonus of 2.25% AER tax-free
  • TRANSFER in existing ISA funds from another Cash ISA.
  • No withdrawal charges.
  • Open account in minutes.
  • ACCESS your MONEY within 24 hours when a transfer is made into your Alliance & Leicester current account: or up to 4 working days for a transfer to another provider.
  • Available to those aged 16 or over.
  • Earn a variable rate of 2.50% AER/tax-free.
  • This rate includes a fixed introductory bonus of 1.50% AER for the first 12 months from account opening.
  • Interest paid annually on the 31st March.
  • Save up to £3,600 per tax year. From 6 October 2009 you can save up to £5,100 per tax year if you were born on or before 5 April 1960.
  • Make withdrawals from as little as £1.
  • Set up regular payments into your ISA from your current account.
  • Manage your Cash ISA Saver through Internet Banking if you're registered.
  • You can transfer your existing ISA into us, with our ISA transfer form.
  • Earn 2.5% AER tax free fixed for 1 year
  • Minimum opening balance - £500
  • Maximum balance - up to £3,600 (£5,100 for those aged 50 or above on or before 5 April 2010) in any one tax year
  • No withdrawals
  • No additional deposits - after account opening. However, if you are aged 50 or above on or before 5 April 2010 and you have funded your fixed rate ISA with current year funds you can make a one-off extra payment into your account before 6 April 2010 so you can take advantage of the new ISA limit of £5,100.
  • Manage your savings - In branch, by phone or view your balance online 24/7
  • Britain's No 1 for ISAs*
  • Number of accounts - you can only fund one cash ISA during any one tax year. If you already have an ISA with another provider and want to take advantage of our cash ISA interest rate, ask to transfer your ISA today
  • YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme
  • Act now and you can enjoy a great tax free rate of 2.5% AER variable (2.47% gross p.a variable, including a 1.47% gross p.a bonus fixed for 12 months from opening)
  • This rate then reverts to a variable Cash ISA rate currently 1.00% gross/AER.
  • The interest is calculated daily and paid monthly.
  • You can invest from £1 up to £3,600 each tax year and benefit from tax free savings.
  • You can NOT transfer your existing ISA balances to this ISA
  • The tax year runs from 6 April to 5 April the following year.
  • You can invest in one lump sum or in any number of smaller payments up to the annual subscription limit (£3,600).
  • YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme
  • Save from £1 and save up to £3600 per tax year
  • If you wish to transfer your existing ISAs balances to this ISA you will earn the following rate of interest:
  • £0 - £9,999 = 2.00% AER
  • £10,000 - £29,900 = 2.25% AER
  • £30,000+ = 2.50% AER
  • Instant access to your funds with no penalties
  • Monthly tax-free interest – Natwest can pay the interest into your Cash ISA Plus or another NatWest account.
  • Manage your ISA by Phone, post, in branch and online
  • Save up to £3,600 in the 2009/10 tax year without paying any tax on the interest
  • Transfer/Deposit £1 - £9,000 & get 2.0% AER (includes a 12 month variable rate bonus of 1.50% gross/AER)
  • Transfer/Deposit £9,000+ & get 3.0% AER (includes a 12 month variable rate bonus of 2.00% gross/AER)
  • After 12 month intro rate reduces to:
  • £1 - £9,000 = 0.5%AER
  • £9,000 + 1.00%AER
  • Pay-in/Withdraw via Abbey Branch, Online, and Telephone
  • YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme
  • Enjoy TAX-FREE saving with our simple cash ISA account.
  • Direct ISA (Issue 6): 2.75% AER tax-free (variable) from £9k+
  • 2.00% AER tax-free (variable) from £1k+ which includes a 12 month variable rate bonus of 1.50% AER tax-free
  • 2.75% AER tax-free (variable) from £9k+ which includes a 12 month variable rate bonus of 2.25% AER tax-free
  • TRANSFER in existing ISA funds from another Cash ISA.
  • No withdrawal charges.
  • Open account in minutes.
  • ACCESS your MONEY within 24 hours when a transfer is made into your Alliance & Leicester current account: or up to 4 working days for a transfer to another provider.
  • Available to those aged 16 or over.
  • Save from £1 and save up to £3600 per tax year
  • Earn 0.50% AER to 2% AER depending on deposit:
  • £50,000+ = 2.00% AER
  • £27,000 - £49,999 = 1.75% AER
  • £22,000 - £26,999 = 1.10% AER
  • £15,000 - £21,999 = 0.95% AER
  • £9,000 - £14,999 = 0.75% AER
  • £1 - £8,999 = 0.50% AER
  • Instant access to your funds with no penalties
  • Monthly tax-free interest – Natwest can pay the interest into your Cash ISA Plus or another NatWest account.
  • Manage your ISA by Phone, post, in branch and online
  • Minimum investment of £1.
  • Invest up to £3,600 in this tax year – click here to see the changes to ISA limits for over 50’s after 6th October 2009.
  • No limitations on the amount you may withdraw.
  • Mini cash ISA transfers from other providers permitted~.
  • Interest paid annually.
  • Transfers from other Principality Building society accounts to e-ISA accounts are not permitted.
  • YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS – Financial Services Compensation Scheme.
  • Fixed tiered interest rates.
  • Earn from 2.70% AER/Tax Free on balances of £3,000 to £14,999
  • Earn 3.30% AER/Tax Free on balances of £30,000 or more.
  • Interest rate fixed for 24 months from account opening.
  • Interest calculated on a daily basis and paid on anniversary of account opening and upon account maturity.
  • Tax-free savings from previous years ISA allowances to maximise savings.
  • Continued growth - at the end of the 24 month fixed rate period, your account pays interest at our standard variable Cash ISA Saver rate.
  • Manage your account through Internet Banking, PhoneBank® or branch.
  • Save up to £3,600 each tax year. From 6 October 2009 you can save up to £5,100 each tax year if you were born on or before 5 April 1960.

Provider Account Income Yield Interest Paid Capital Protected ISA Option Apply
5 Year Capital Protected Structured Income Bond with an annual yield of 5.40% or a monthly yield of 0.43%
5.40% each year
Annually
Yes
Yes
  • **Special Offer** Invest £10,000 or over and Get 1% Cash Back on the amount you invest into this bond.
  • For example, if you deposit £10,000 you will get a cheque for £100 one month after the date of your investment.
  • The Investec 5 Year FTSE 100 Income Deposit Plan 8 aims to provide regular income payments while protecting your initial deposit when the Plan matures. The Plan has two income options; annual and monthly.
  • The Plan will return an income of 5.40% annually or 0.43% monthly, provided the FTSE 100 Index remains at or above 50% of its initial level. If the Plan falls below 50% of its initial level then income payments will cease. However, if the Index recovers to its starting level then the missed payments will be paid out and income payments will restart.
  • Your initial capital will still be returned in full at maturity regardless of the performance of the FTSE 100 Index.
  • This is a structured investment plan.
  • Annual Income Option - 5.40% gross or
  • Monthly Income Option - 0.43% gross
  • Covered by the Financial Services Compensation Scheme up to £50,000 for an individual or up to £100,000 for a joint deposit account.
  • Capital Protected Product**
  • Investment Term - 5 Years
  • Minimum Single Investment - £1,500
  • Maximum Within Your Individual Cash ISA limit - £3,600
  • For individuals aged 50 or over on 5th April 2010, the limit is £5,100
  • Maximum Direct Investment - £1,000,000
  • This Plan is not the same as a bank or building society deposit account and charges may apply if your capital is withdrawn early
  • ISA Transfer Deadline - 19 February 2010
  • Direct Investment & ISA Deadline - 12 March 2010
  • *Subject to the Scheme's eligibility criteria - see brochure for details.
  • **The return of your capital depends on the ability of the counterparty (Investec Bank plc) to repay your money.

Provider Account Maximum Growth Return* Capital Protected ISA Option Apply
This capital protected plan offers a maximum return of 19% at maturity.
19% after 3 years
Yes
Yes
This capital protected plan offers a maximum return of 40% at maturity.
40% after 5 years
Yes
Yes
This 6 year structured investment plan offers a return of up to 18% with the potential to kick out after 3 years.
18% after 3 years
Yes
Yes
This 6 year structured investment plan offers the potential to kick out after 3 years with a maximum return of 50%. Invest up to £7,200p.a within ISA allowance, and unlimited without.
110% after 6 years
No
Yes
  • **Special Offer** Invest £10,000 or over and Get 1% Cash Back on the amount you invest into this bond.
  • For example, if you deposit £10,000 you will get a cheque for £100 one month after the date of your investment.
  • The Investec FTSE 100 3 Year Deposit Plan 15 Option 1 aims to provide a higher return than is available through other deposit accounts, over its 3 year investment term. The plan ensures that your initial deposit is returned in full if the plan is held to maturity. A fixed return of 19% is possible at maturity, dependent on the final level of the FTSE 100 Index.
  • At the end of your investment term you will receive the fixed return as long as the final level of the FTSE 100 Index is higher than the the starting level. If the FTSE 100 Index is the same as or below the starting level you will still receive your initial investment.
  • This is a structured investment plan.
  • Potential Fixed Return - 19% Gross
  • Covered by Financial Services Compensation Scheme up to £50,000 for an individual or up to £100,000 for a joint deposit account *
  • Capital Protected Product**
  • Investment Term - 3 Years
  • Minimum Single Investment - £1,500
  • Maximum Within Your Individual Cash ISA limit - £3,600
  • For individuals aged 50 or over on 5th April 2010, the limit is £5,100
  • Maximum Direct Investment - £1,000,000
  • This Plan is not the same as a bank or building society deposit account and an early exit fee will apply if your capital is withdrawn early
  • ISA Transfer Deadline - Passed
  • Direct Investment & ISA Deadline - 12 March 2010
  • *Subject to the Scheme's eligibility criteria - see brochure for details.
  • **The return of your capital depends on the ability of the counterparty (Investec Bank plc) to repay the monies.
  • **Special Offer** Invest £10,000 or over and Get 1% Cash Back on the amount you invest into this bond.
  • For example, if you deposit £10,000 you will get a cheque for £100 one month after the date of your investment.
  • The Investec FTSE 100 5 Year Deposit Plan 15 Option 1 aims to provide a higher return than is available through other deposit accounts, whilst returning your initial deposit when the plan matures. The 5 year plan offers a fixed return of up to 40%, dependent on the performance of the FTSE 100 Index.
  • At the end of your investment term you will receive the fixed return as long as the final level of the FTSE 100 Index is higher than the starting level. If the FTSE 100 Index is the same as or below the starting level you will still receive your initial investment.
  • Investec Bank plc, as the Plan Manager, offers a choice of deposit taker, either Investec Bank plc or Lloyds TSB plc.
  • This is a structured investment plan.
  • Investec Version Potential Fixed Return - 40% gross
  • Lloyds Version Potential Fixed Return - 32.5% gross
  • The difference in returns payable is an indicator of the deposit taker's credit rating
  • Both deposit takers are covered by the Financial Services Compensation Scheme up to £50,000 for an individual or up to £100,000 for a joint deposit account *
  • Capital Protected Product**
  • Investment Term - 5 Years
  • Minimum Single Investment - £1,500
  • Maximum Within Your Individual Cash ISA limit - £3,600
  • For individuals aged 50 or over on 5th April 2010, the limit is £5,100
  • This Plan is not the same as a bank or building society deposit account and an early exit fee will apply if your capital is withdrawn early
  • ISA Transfer Deadline - Passed
  • Direct Investment & ISA Deadline - 12 March 2010
  • *Subject to the Scheme's eligibility criteria - see brochure for details.
  • **The return of your capital depends on the ability of the deposit taker (Investec Bank plc or Lloyds TSB Bank plc) to repay the monies.
  • **Special Offer** Invest £10,000 or over and Get 1% Cash Back on the amount you invest into this bond.
  • For example, if you deposit £10,000 you will get a cheque for £100 one month after the date of your investment.
  • The Morgan Stanley FTSE Protected Growth Plan 32 is a six year capital protected structured investment plan linked to the FTSE 100.
  • It offers an early exit feature with a fixed return of 18% if the FTSE 100 Index has risen by 15% or more after three years. If this does not occur then the Plan will continue for the full six year term and you will receive a return equal to 100% of the Index performance at maturity with no upper limit. You will receive your initial capital at maturity regardless of the performance of the FTSE 100 Index.
  • This is a structured investment plan.
  • Growth Returns: 100% of FTSE 100 Index growth
  • Early Exit Return: 18%*
  • Capital protected product **
  • Investment Term: 6 Years
  • Minimum Single Investment: £3,000
  • Maximum within your individual stocks and shares ISA limit – £7,200
  • (For individuals aged 50 or over on 5th April 2010, the limit is £10,200)
  • ISA Transfer Deadline - 4 Mar 2010
  • Direct Investment & ISA Deadline - 15 Mar 2010
  • * Available if the FTSE 100 Index has risen by 15% or more three years into the Plan.
  • ** The return of your capital also depends on the ability of the counterparty (Morgan Stanley) to repay the monies.
  • **Special Offer** Invest £10,000 or over and Get 1% Cash Back on the amount you invest into this bond.
  • For example, if you deposit £10,000 you will get a cheque for £100 one month after the date of your investment.
  • The Morgan Stanley FTSE Kick Out Growth Plan is a six year investment linked to the FTSE 100 Index.
  • It offers an early exit feature with a fixed return of 50% if the FTSE 100 Index has risen by 15% or more after three years. If this does not occur then the Plan will continue for the full six year term and you will receive a return equal to 110% of the Index performance at maturity with no upper limit. Capital is at risk if at maturity the Index has fallen by 50% or more from the starting level.
  • This is a structured investment plan.
  • Growth Returns: 110% of FTSE 100 Index growth
  • Early Exit Return: 50%*
  • Capital at risk product**
  • Investment Term: 6 Years
  • Minimum Single Investment: £3,000
  • Maximum within your individual stocks and shares ISA limit – £7,200 (For individuals aged 50 or over on 5th April 2010, the limit is £10,200)
  • ISA Transfer Deadline - 4 Mar 2010
  • Direct Investment & ISA Deadline - 15 Mar 2010
  • * Available if the FTSE 100 Index has risen by 15% or more three years into the Plan.
  • ** The return of your capital also depends on the performance of the FTSE 100 Index and the ability of the counterparty (Morgan Stanley) to repay the monies.

Structured Investment Products promoted by Fair Investment Company Limited, Fair Investment Company Limited is Authorised and Regulated by the Financial Services Authority.

Provider Account % Return Annual Management Charge[AMC] Deposit Per Year Apply
Min Max
Deposit £3,600+ & pay No Annual Admin Charge. Pay £9.95 per Trade. Tax Free return on your investments.
N/A
£30
£1 £3,600
3% AMC Online Discount. Minimum initial investment of £1k or £100p.m. Invest in a wide range of primarily equity funds
N/A
2%
£100 £3,600
  • TD share dealing ISA puts you in control of your investments
  • You can choose from a wide range of investments including UK and international stocks and over 1,800 unit trusts from many of the best known fund providers.
  • No annual admin fee on an account if valuation of £3,600 or above.
  • You can benefit further as the Self Select ISA is a tax efficient Investment with any returns free from Capital Gains Tax.
  • Stockmarket ISA aims to generate long-term capital growth. It is invested in a wide range of primarily equity funds managed by leading companies such as Fidelity Investments, Invesco Perpetual, Schroders, M&G, and Artemis which, in turn, hold a broad spread of investments around the world.
  • Suitable if you intend to invest for less than 5 years.
  • Minimum initial investment of £1,000 or from £100 per month.
  • 3% Online discount: Liverpool Victoria will reduce the initial set-up fee from 5% to 2% if applying online.

Provider Account AER Duration Interest Paid Min Bal Apply
You need to have, or open a Nationwide Flexi Current Account to deposit funds into this bond.
4.75%
Fixed term for 5 years
On Maturity
£1
4.50%
Fixed term for 3 years
On Maturity
£500
You need to have, or open a Nationwide Flexi Current Account to deposit funds into this bond.
4.40%
Fixed term for 3 years
On Maturity
£1
4%
Fixed term for 2 years
On Maturity
£500
4%
Fixed term for 3 years
On Maturity
£500
  • Account gives you a great rate of 4.50% AER
  • You can open an account with just £500.
  • The maximum balance is £9,000,000.
  • Great fixed rates of interest - so you are protected against changes in interest rates and know exactly what you'll earn.
  • On maturity you'll still get a good rate as your savings and interest are transferred into the Variable Rate Web Saver (which is opened at the same time as your Fixed Rate account).
  • YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme
  • Account gives you a great rate of 4.00% AER
  • You can open an account with just £500.
  • The maximum balance is £9,000,000.
  • Great fixed rates of interest - so you are protected against changes in interest rates and know exactly what you'll earn.
  • On maturity you'll still get a good rate as your savings and interest are transferred into the Variable Rate Web Saver (which is opened at the same time as your Fixed Rate account).
  • YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme
  • 3.75% gross/AER* on balances of £25k+
  • Matures 1st February 2012
  • Get a great fixed rate for the next two years
  • Pay in anything from £1 up to a maximum of £2,000,000
  • Invest £1 to £9,999 and receive 3.00% gross/AER
  • Invest £10,000 to £24,999 and receive 3.50% gross/AER
  • Invest £25,000 up to £2,000,000 and receive 3.75% gross/AER
  • Available to new and existing Santander customers
  • You can't add to your bond once it's open so put in as much as you can at the start
  • This is a limited offer and subject to availability. Apply today as this product can be withdrawn at any time
  • * gross/AER based on funds invested on 1st February 2010
  • Matures 1st February 2012
  • Get a great fixed rate for the next two years
  • Save from £10,000 up to £25,000 and receive 3.25% gross/AER fixed
  • Available to new and existing Santander customers
  • Invest £1 to £9,999 and receive 3.00% gross/AER
  • Invest £10,000 to £24,999 and receive 3.50% gross/AER
  • Invest £25,000 up to £2,000,000 and receive 3.75% gross/AER
  • You can't add to your bond once it's open so put in as much as you can at the start
  • Accessing your money during the term can only be done by closing the account, which is subject to 120 days loss of net interest
  • gross/AER based on funds invested on 1st February 2010.
  • Account gives you a great rate of 2.00% AER
  • You can open an account with just £500.
  • The maximum balance is £9,000,000.
  • Great fixed rates of interest - so you are protected against changes in interest rates and know exactly what you'll earn.
  • On maturity you'll still get a good rate as your savings and interest are transferred into the Variable Rate Web Saver (which is opened at the same time as your Fixed Rate account).
  • YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme
  • Account gives you a great rate of 1.50% AER
  • You can open an account with just £500.
  • The maximum balance is £9,000,000.
  • Great fixed rates of interest - so you are protected against changes in interest rates and know exactly what you'll earn.
  • On maturity you'll still get a good rate as your savings and interest are transferred into the Variable Rate Web Saver (which is opened at the same time as your Fixed Rate account).
  • YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme
  • Matures 1st August 2011
  • 3.25% gross/AER* on balances of £25k+
  • Get a great fixed rate on your savings for one year
  • Pay in anything from £1 up to a maximum of £2,000,000
  • Invest £1 to £9,999 and receive 2.75% gross/AER
  • Invest £10,000 to £24,999 and receive 3.00% gross/AER
  • Invest £25,000 up to £2,000,000 and receive 3.25% gross/AER
  • Available to new and existing Santander customers
  • You can't add to your bond once it's open so put in as much as you can at the start
  • This is a limited offer and subject to availability. Apply today as this product can be withdrawn at any time
  • * gross/AER based on funds invested on 1st February 2010
  • Matures 1st February 2011
  • Save £1 to £9,999 and receive 2.50% gross/AER fixed
  • Save £10,000 up to £2,000,000 and receive 2.75% gross/AER fixed
  • Get a great fixed rate on your savings for one year
  • Pay in anything from £1 up to a maximum of £2,000,000
  • Available to new and existing Santander customers
  • You can't add to your bond once it's open so put in as much as you can at the start
  • Accessing your money during the term can only be done by closing the account, which is subject to 120 days loss of interest
  • *gross/AER based on funds deposited by 1st February 2010.
  • Get higher savings rate the more you deposit
  • Deposit £1 - £24,999 = 2.75% AER fixed for 1 year
  • You need to have a Nationwide Flexi-Current Account to deposit funds in to this bond. If you do not have one you will be asked to set one up as part of your application process.
  • Manage your savings bonds online via our secure Internet Bank
  • Enjoy the security of a guaranteed rate of return
  • Choose between monthly or annual interest
  • Open several e-Bonds (the combined savings bonds balance mustn't exceed £3m)
  • Use your own e-Bond account nickname instead of having to remember a lot of numbers
  • Your online security protected with Nationwide's Internet Banking Promise
  • Get higher savings rate the more you deposit
  • You need to have a Nationwide Flexi-Current Account to deposit funds in to this bond. If you do not have one you will be asked to set one up as part of your application process.
  • Manage your savings bonds online via our secure Internet Bank
  • Enjoy the security of a guaranteed rate of return
  • Choose between monthly or annual interest
  • Open several e-Bonds (the combined savings bonds balance mustn't exceed £3m)
  • Use your own e-Bond account nickname instead of having to remember a lot of numbers
  • Your online security protected with Nationwide's Internet Banking Promise
  • Get higher savings rate the more you deposit
  • You need to have a Nationwide Flexi-Current Account to deposit funds in to this bond. If you do not have one you will be asked to set one up as part of your application process.
  • Manage your savings bonds online via our secure Internet Bank
  • Enjoy the security of a guaranteed rate of return
  • Choose between monthly or annual interest
  • Open several e-Bonds (the combined savings bonds balance mustn't exceed £3m)
  • Use your own e-Bond account nickname instead of having to remember a lot of numbers
  • Your online security protected with Nationwide's Internet Banking Promise
  • Get higher savings rate the more you deposit
  • You need to have a Nationwide Flexi-Current Account to deposit funds in to this bond. If you do not have one you will be asked to set one up as part of your application process.
  • Manage your savings bonds online via our secure Internet Bank
  • Enjoy the security of a guaranteed rate of return
  • Choose between monthly or annual interest
  • Open several e-Bonds (the combined savings bonds balance mustn't exceed £3m)
  • Use your own e-Bond account nickname instead of having to remember a lot of numbers
  • Your online security protected with Nationwide's Internet Banking Promise
  • Matures 1st February 2011
  • Save £1 to £9,999 and receive 2.50% gross/AER fixed
  • Save £10,000 up to £2,000,000 and receive 2.75% gross/AER fixed
  • Get a great fixed rate on your savings for one year
  • Pay in anything from £1 up to a maximum of £2,000,000
  • Available to new and existing Santander customers
  • You can't add to your bond once it's open so put in as much as you can at the start
  • Accessing your money during the term can only be done by closing the account, which is subject to 120 days loss of interest
  • *gross/AER based on funds deposited by 1st February 2010.
  • Save for 2 years,
  • Fixed interest rates of 3.90% AER/Gross*.
  • View eBond interest rates.
  • Choose when your interest is paid - monthly to supplement your income or yearly as a lump sum - it's up to you.
  • Nominate where your Interest is paid – this can be a current account or an eligible savings account (excluding Monthly Saver, Term Deposits, Child Trust Fund, and ISA products.)
  • Save from £2,000 up to £1,000,000
  • No withdrawals are allowed.
  • You can make additional deposits to the product whilst the issue is on sale. This is a limited issue product however so once the issue is full no further deposits can be made.
  • Rate is fixed for the term of the deposit.
  • Manage your account through a dedicated eBond Savings Team. The account cannot be serviced through PhoneBank, branches or Internet Banking.
  • Minimum opening balance - from £500 upwards
  • Maximum balance - £9 million per account
  • Withdrawals - if after 6 months you need to withdraw your funds you may close your account subject to loss of interest
  • No additional deposits - after opening your account
  • Manage your savings - by telephone or branch. View your balance online 24/7
  • Minimum opening balance - from £500 upwards
  • Maximum balance - £9 million per account
  • Withdrawals - if after 6 months you need to withdraw your funds you may close your account subject to loss of interest
  • No additional deposits - after opening your account
  • Manage your savings - by telephone or branch. View your balance online 24/7
  • Minimum opening balance - from £500 upwards
  • Maximum balance - £9 million per account
  • Withdrawals - if after 6 months you need to withdraw your funds you may close your account subject to loss of interest
  • No additional deposits - after opening your account
  • Manage your savings - by telephone or branch. View your balance online 24/7
  • Minimum opening balance - from £500 upwards
  • Maximum balance - £9 million per account
  • Withdrawals - if after 6 months you need to withdraw your funds you may close your account subject to loss of interest
  • No additional deposits - after opening your account
  • Manage your savings - by telephone or branch. View your balance online 24/7
  • Get higher savings rate the more you deposit
  • Deposit £1 - £24,999 = 3.20% AER fixed for 18 months
  • You need to have a Nationwide Flexi-Current Account to deposit funds in to this bond. If you do not have one you will be asked to set one up as part of your application process.
  • Manage your savings bonds online via our secure Internet Bank
  • Enjoy the security of a guaranteed rate of return
  • Choose between monthly or annual interest
  • Open several e-Bonds (the combined savings bonds balance mustn't exceed £3m)
  • Use your own e-Bond account nickname instead of having to remember a lot of numbers
  • Your online security protected with Nationwide's Internet Banking Promise

Provider Account AER Notice Interest Paid Min Bal Apply
2.80% AER (variable rate) with no bonus period included! 1 withdrawal a year with no loss of interest.
2.80%
Instant
Annually
£1
2.75% Gross/AER (variable) on balances up to £100k. Rate includes 1.50% gross p.a./AER Bonus for the first 12 months. No Withdrawal Restrictions.
2.75%
Instant
Annually
£1
Minimum deposit £1000. NO withdrawal Penalties. Rate includes a variable bonus payable for 12 months.
2.75%
Instant
Annually
£1,000
Guaranteed rate of 2.5% AER for 12 months from account opening (2.47% gross p.a.). Interest paid monthly
2.50%
Instant
Monthly
£1
NO withdrawal Penalties. Rate includes 2.00% gross p.a./AER Bonus for the first 12 months
2.50%
Instant
Annually
£1
  • 2.80% AER on Balances £1 - No maximum balance
  • Withdrawals - 1 withdrawal a year with no loss of interest.
  • Further withdrawals available should you need them however these will suffer 30 days loss of interest on the amount you withdraw.
  • Access your money by transferring to another account online
  • Interest paid annually
  • You need to be a UK resident personal customers aged 11+
  • YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme
  • Minimum Deposit £1
  • 2.75% Gross/AER (variable) which includes a fixed 1.50% bonus for 12 months on balances up to £100k
  • Balances over £100,000 earn 1.25% Gross / AER (variable)
  • No withdrawal Restrictions
  • Deposit & Withdraw money via online transfer
  • SAVE from £1000 up to £2,000,000.
  • Interest PAID annually.
  • Rate includes variable bonus (depending on account balance) payable for 12 months from account opening.
  • No withdrawal charges.
  • Online account.
  • Available to those aged 18 or over.
  • New ING Direct Savings Account customers can enjoy a guaranteed rate of 2.5% AER for 12 months from account opening (2.47% gross p.a.)
  • Interest paid monthly
  • After 12 months the rate will revert to our ING Direct Savings Account variable rate, currently 0.50% AER
  • Move your money when you like, with no penalties or restrictions
  • Start saving from £1, with no minimum or maximum monthly deposits required
  • Open an account in minutes
  • Award winning UK call centres
  • Get 2.50% gross pa/AER variable
  • Includes an introductory 12 month variable bonus rate of 2.00% gross pa from the date your account is opened on balances up to £1,000,000.
  • No interest payable on balances over £1,000,000 during the first 12 months.
  • After 12 months you move to a standard variable rate; currently 0.5% gross pa/AER (variable).
  • No penalties for withdrawals.
  • Easy access 24 hours a day, every day.
  • It's easy to set up a regular deposit, then sit back and watch your savings grow.
  • YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme
  • Great return of 2.50% gross/AER (variable), which includes a bonus of 2.00% gross/AER (variable) for the first 12 months from account opening.
  • Save from just £1
  • 24/7 access to your money without notice or penalty - Cash Card with every account!
  • Interest is calculated daily and paid Monthly
  • YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme
  • Get 2.10% AER
  • Get 6 free withdrawals per year - and only £1 per withdrawal thereafter
  • Save £500 to £1million
  • Interest is paid annually in March
  • Post Office guarantee to pass on any rise in the Bank of England Base Rate (within 30 days) until January 2010
  • Post Office also guarantee that your interest rate will never be more than 1% below the Bank of England Base Rate for the life of the account.
  • YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme
  • Get 2.00% gross p.a./AER providing you don't make more than 3 withdrawals per year (more than this will result in a lower rate of interest).
  • Save from £1 to £500,000
  • If you ARE a Nationwide FlexAccount holder, you can set up a high interest internet savings account online
  • If you are NOT a Nationwide FlexAccount holder, you WILL need to open a FlexAccount Online at the same time as opening your e-Savings Plus.
  • A variable rate of interest, currently 1.60% AER/Gross.
  • This rate includes a fixed introductory bonus of 1.50% AER for the first 12 months.
  • On balances of £1 or more we agree to pay a gross annual interest rate which tracks at 1.5% below the Bank of England Base Rate until 31 December 2010 (but the rate will never be less than 0.10%).
  • Open from as little as £1.
  • Interest paid annually.
  • Instant access - the convenience of Internet Banking or PhoneBank® means you can access your savings when it suits you.
  • No limits on how much you can save.
  • The options to have a standing order payment into your account, so you know your savings are always growing.
  • Optional Cashpoint® card for easy access on the move.
  • Minimum opening balance - £1
  • No maximum balance
  • Interest paid annually
  • Unlimited withdrawals and deposits
  • Manage your savings - Transfer money, view recent transactions and check your balance online 24/7 with this internet savings account
  • Applying is easy - it only takes 5 minutes to apply online now
  • You need to be a UK resident personal customers aged 11+

Latest ISA News RSS Feed

Saga reveals keenness to save into ISAs
Over-50s are keen to make use of the increased savings allowance on hand with individual saving accounts (ISAs). Significant numbers of older Britons are taking advantage of the ...
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Tue 9th Mar, 2010
ISA savers should "get a move on"
Savers have been reminded of the need to make full use of ISAs before the end of the current tax year. It is imperative that people take full advantage of investing in ISAs.So claims ...
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Mon 8th Mar, 2010
Increased ISA limits 'appeal to over-50s'
77 per cent of over-50s are planning to take advantage of increased ISA allowances, according to Barclays Wealth. The increased ISA allowance is proving appealing to the over-50s, ...
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Fri 5th Mar, 2010
Savers keen to take advantage of ISA rise
New UK accounts could include an ISA deal this year. Consumers who are interested in securing individual saving accounts (ISAs) might want to take note of the latest Fidelity ...
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Fri 26th Feb, 2010
Co-op Bank news: Older people lack ISA awareness
Awareness about individual saving accounts (ISAs) among the over-50s appears to be lacking. A significant proportion of older people may not be making the most of individual saving ...
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Thu 25th Feb, 2010
Study reveals lack of ISA awareness
Many people lack awareness when it comes to placing money into individual savings accounts. A significant number of Britons may not be making the most of their money when it comes to ...
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Tue 23rd Feb, 2010
Savers urged to make most of ISAs
Savers are being urged to use ISAs instead of standard savings accounts. Savers are being urged to make the most of ISAs after research revealed they are being underused. Figures from ...
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Mon 22nd Feb, 2010

ISA Explained

What is an ISA?

ISA stands for Individual Savings Account. If you’re a tax payer, at least 20% of interest you earn from savings accounts is taxed (40% if you earn more than £37,400). The only relief you get from this deduction is by opening an ISA that provides tax free interest, allowing you to add a maximum of £7,200 per tax year spread between cash and investment ISAs.

There are two types of ISAs: cash ISAs, and shares ISAs such as investments in stocks and shares or insurance. Savers are able to invest in two different ISAs in any one tax year: one cash ISA and one stocks and shares ISA.

You can invest up to £7,200 per tax year (6 April to 5 April the following year) which can either all be invested into Investment/Stocks & Shares ISAs; spread between the two ISA types, with a maximum of £3,600 per year into a cash ISA, or a combination of the two.

ISAs are a great way to make your savings work harder for you, and the best part is that you pay no tax on any of the income you receive from your ISA savings and investments. This includes dividends, interest and bonuses.

In the past many people found ISAs confusing as the regulations behind them were unclear. However, as of 6th April 2008 they have been simplified, so now there is really no excuse not to take advantage of these great savings accounts.

Update: The Chancellor Alistair Darling announced details of an increase in ISA allowances in his 2009 budget, extending the current yearly ISA limit of £7,200 to £10,200. This took affect from 6 October 2009 for savers aged 50 and over, with everyone else being eligible from 6 April 2010. This increase means that savers will be able to put up to £5,100 per year into a Cash ISA and the remaining £5,100 into Stocks and Shares ISAs, or up to the full £10,200 into a Stocks and Shares ISA. 

ISA Managers

ISA managers (banks and building societies) must be authorised by the Financial Services Authority and approved by HM Revenue & Customs.

This means that you will have access to complaints procedures, the Financial Ombudsman Scheme and the Financial Services Compensation Scheme if you were to experience any problems.

To find out if an ISA manager is authorised by the FSA phone their Consumer Helpline on 0845 606 1234

How can I make the most of this fantastic scheme?

Each tax year everyone aged 16 or over is given a new ISA allowance. If you don't use it, you lose it. If you do invest in an ISA you can keep your money in there, tax-free for as long as you like.

The maximum amount you can invest in cash ISAs is £3,600 per year, regardless of whether you hold a stocks and shares ISA. However, you can use up your full £7,200 yearly allowance to invest in a stocks and shares ISA alone. As soon as the next tax year starts you have the opportunity to deposit another £7,200 into your ISAs.

For example, an individual saves £1,000 in a cash ISA at the start of the tax year. In the same tax year they could invest another £6,200 in ISAs. This could be made up of £2,600 in the same cash ISA and the remaining £3,600 in a stocks and shares ISA, or up to £6,200 in a stocks and shares ISA.

When opening cash or stocks and shares ISAs you are only eligible to make investments with a single provider (per account) in any one tax year. It is possible to hold both a cash and stocks and shares ISA with the same provider.

Most banks and building societies offer a wide variety of cash ISAs. These operate in a similar manner to taxable savings accounts offering fixed term and instant access accounts. Cash ISAs are most suited to savers looking for secure returns.

Stocks and shares ISAs are more suitable for people looking to invest over longer periods of time. Rather than earning money from accumulating tax free interest, stocks and shares ISAs involve an element of risk as returns depend on the performance of the stock you invest in. However, if you do some research you may find that your stocks and shares end up being more profitable than your cash ISA.

Transferring your ISA

You can transfer cash and stocks and shares ISAs between providers, although you must remember to do this by requesting a transfer rather than by withdrawing the money.

Check the terms and conditions with your ISA manager to find out if you will be charged for transferring.
You are able to transfer some or all of the money saved in previous tax years without affecting your annual ISA investment allowance.

As of the 6th April 2008, you are able to transfer investments held as cash from previous years allowances as well as your current year’s cash allowance into stocks and shares with the tax-free benefits. However, you cannot transfer a stocks and shares ISA into a cash ISA.

What level of protection is provided?

Cash ISAs carry the same level of protection as that applied to normal savings accounts, so if your ISA provider was to fall into difficulties and your money was lost, the Financial Services Compensation Scheme (FSCS) would protect your savings for up to £50,000, or for any non-UK providers see the compensation levels provided in our top ten saving tips

Stocks and shares ISAs come with risk, so a different level of FSCS protection applies under a set of conditions that you must be aware of before investing.

Your money will be covered if the product provider of the investment was to go bust, for example a bank providing a shares ISA, but if you have shares in a company that went bust, or the company performed badly, then you are not protected as this is the risk element that applies when making an investment.

However in the case of buying shares or funds through a company, for example, buying shares from a stockbroker, if the stockbroker were to go bust you would still own your shares, so you would not be compensated as you would not have lost out.

What to remember

An important thing to understand is that you can only ever deposit up to £7,200 in cash & stocks and shares ISAs within one tax year, regardless of what you may have withdrawn throughout the year, so if possible try to avoid eating into your ISAs.

When transferring ISAs make sure you let the new provider arrange the transfer. You cannot simply close the first ISA and pay the money into another ISA.

Although you are restricted to £7,200 of investments per year, any savings from past years will still provide you with tax free interest.

For example, an individual has a total of £9,000 saved in cash ISAs from previous tax years. They plan to invest their full current years cash ISA allowance of £3,600 into the same account. They will then be earning tax free interest from the full £12,600. They can then continue to add to this account over coming years, or choose to transfer their existing savings over to a different provider.

The main thing to remember is that these accounts provide you with a tax free haven, allowing you to earn interest and returns while paying absolutely nothing to the tax man!