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Banking & Saving ISA

Compare Top 5 ISAs

Use our ISA table to compare the Top 5 accounts and find the best ISA rate. Apply online today and start making the most out of your ISA allowance!

Best ISA Rate

Individual Savings Accounts (ISAs) are a type of savings account with a difference, this being that all the interest you earn from your investment is tax-free, so you can save faster and make  your money work even harder for you.

Each year, everyone is given £10,200 in which they can invest into an ISA. This consists of up to the full amount invested into a stocks and shares ISA, or a combination of up to £5,100 into a cash ISA, and the remaining amount into stocks and shares. You can only ever invest up to £5,100 into a cash ISA.

Many banks and building societies offer both cash and stocks and shares ISAs, so it is worth comparing rates between them to find the best ISA rates. At Which4U, we show a range of ISAs currently available in our tables, allowing you to see all the information you require to find the best deals.

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Top 5 ISAs

Provider Account AER Notice Deposit Per Year Apply
Min Max
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RBS Royal Deposit ISA 3
3 year fixed rate deposit plan that returns 3.50% a year. The plan can be used for cash ISA investment or cash ISA transfer.
3.50%
Fixed
 £3,600 £5,100
Apply >
More Info
Nationwide e-ISA
Rate includes a 1% bonus until 30/06/2011. Transfer your existing ISA balances to this ISA. NO withdrawal Restrictions. YOU MUST HAVE (OR OPEN) AN NATIONWIDE CURRENT ACCOUNT TO APPLY FOR THIS ISA
2.75%
Instant
 £1 £5,100
Apply >
More Info
Santander ISA (Issue 6)
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
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More Info
Halifax ISA Direct Reward
Up to 4 withdrawals allowed per year without effecting rate. Transfer your existing ISA balances to this ISA and get 2.60% AER
2.60%
Instant
 £1,000 £5,100
Apply >
More Info
Natwest e-ISA
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 £5,100
Apply >
More Info
RBS Royal Deposit ISA 3
  • The Royal Deposit Plan aims to provide regular fixed income with full capital return provided the Plan is held to maturity. The 3 year Plan offers a fixed annual 3.50% interest payment for the entire investment term.
  • The Plan is covered by the Financial Services Compensation Scheme and is available as a 2010/2011 Cash ISA, Cash ISA Transfer, SIPP and SSAS Investments and Direct Investment.
  • Annual Interest - 3.50% 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 - £3,600
  • Maximum Within your individual 2010/2011 ISA limit - £5,100
  • No Maximum Direct Investment
  • Deposit Taker: Ulster Bank, wholly owned subsidiary of RBS
  • 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 - 30 July 2010
  • ISA Investment Deadline - 13 August 2010
  • Direct Investment Deadline - 13 August 2010
  • * Subject to the Scheme's eligibility criteria - see brochure for details.
  • ** The return of your capital depends on the ability of the counterparty (Ulster Bank, a wholly owned subsidiary of RBS) to repay the monies.
Santander ISA (Issue 6)
  • Save up to £5,100 in the 2010/11 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
Natwest e-ISA
  • Save from £1 and save up to £5,100 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
Sainsburys ISA
  • Tax free variable interest rate of 2.30% AER/gross pa.
  • Min deposit £500.
  • ISA transfer service if you already have a Cash ISA with another provider
  • New increased maximum deposit of £5,100 per tax year
  • Easy to apply and manage either online or by phone
  • Minimum deposit of £500 to open your account
  • Interest is paid annually on the anniversary of account opening
  • The Sainsbury's Cash ISA is a limited offer and may be withdrawn at anytime
Halifax ISA Direct Reward
  • Minimum balance - £1,000 up to a maximum balance of £5,100 each tax year
  • Up to 4 withdrawals within the first 12 months - £10 or more.
  • Unlimited deposits - up to £5,100 each tax year
  • Remember, you can also add additional funds by transferring any ISA funds held elsewhere
  • Manage your savings online or by telephone
  • Number of cash ISAs - you can only fund one cash ISA during any one tax year
  • Transfer your existing ISA - if you already have an ISA with another provider and want to take advantage of our Halifax ISA Direct Reward interest rate, transfer your ISA today free of charge
  • YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme
Santander ISA (Issue 6)
  • Save up to £5,100 in the 20010/11 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
Natwest Cash ISA
  • Save from £1 and save up to £5,100 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
Nationwide e-ISA
  • Get 2.75% AER Tax Free on your savings
  • Open and manage your account online
  • Have instant access to your funds: no withdrawal limits or penalties
  • Pay into your account as many times as you want to, up to your annual cash ISA limit
  • Transfer in from existing cash ISAs held with Nationwide or other providers
  • In order to apply for and operate an e-ISA you must have a Nationwide current account
Barclays Golden Cash ISA
  • Golden ISA - Issue 2 is a cash ISA that pays 2.08% AER /2.06% tax-free pa1 - Interest rate is variable and interest paid monthly
  • The above rate includes a fixed rate bonus of 1.00% gross. The bonus is payable for 12 months from the date you open your account, after which time the rate will reduce accordingly
  • Transfers-in of funds from another ISA are not allowed and you can only invest a maximum of £5,100 in the 2010/2011 tax year, regardless of any withdrawals made.
  • Earn interest on your savings tax-free
  • Open from £1
  • Save up to £5,100 in the 2010/11 tax year
  • Barclays current account customers can manage their account online or by phone. Branch access also available
  • Account can be included within an offset mortgage arrangement if you have a Woolwich Offset Mortgage


Latest ISA News RSS Feed

Barnsley Building Society introduces new ISA
Barnsley Building Society has announced the addition of a new ISA to its range of savings accounts. Anyone currently seeking to compare savings on ISAs might like to note that Barnsley ...
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Thu 29th Jul, 2010
Those looking to switch ISAs should compare savings first, says expert
An expert has said that switching ISAs might not be the best option for everyone. People looking to boost their savings accounts by switching ISAs should compare savings carefully ...
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Tue 13th Jul, 2010
Leeds Building Society launches new ISAs
Leeds has today (July 13th) introduced a new range of ISA products. Leeds Building Society has today (July 13th) announced the launch of several new additions to its range of ISAs.The ...
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Tue 13th Jul, 2010
AA launches new cash ISA
The AA has today announced the introduction of a new cash ISA. The AA has today (July 8th) launched a new cash ISA that offers people with savings accounts a great deal of flexibility ...
Read More >
Thu 8th Jul, 2010
Cash ISA customers offered assistance from OFT
The OFT has announced reduced time for transfers between providers of cash ISAs, as well as greater interest rate transparency. The Office of Fair Trading (OFT) has announced it intends ...
Read More >
Tue 29th Jun, 2010
Cash ISA customers offered assistance from OFT
The OFT has announced reduced time for transfers between providers of cash ISAs, as well as greater interest rate transparency. The Office of Fair Trading (OFT) has announced it intends ...
Read More >
Tue 29th Jun, 2010
Expert: ISA limit should be lowered
An ISA contribution limit of £45,000 may be too high, an analyst has said An expert has said that the new recommended limit for ISA contributions is too high and should be ...
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Fri 18th Jun, 2010

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