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!

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ING Direct Cash ISA - 3.0% AER

ING Direct offers 3.0% AER tax free on all balances from £1 to £5,340, and instant acces to your cash if you need it. Apply now and have an account open online in only 15 minutes...

Top 5 ISAs

Provider
Account
AER
Notice
Deposit Per Year
Apply
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3.10%
Instant
Min £1,000
Max £5,340
3.00%
Instant
Min £1
Max £5,340
2.60%
Instant
Min £1
Max £5,340
2.60%
Instant
Min £1
Max £5,340
2.50%
Instant
Min £1
Max £5,340

Nationwide e-ISA

Nationwide
  • Get 3.10% AER Tax Free on your savings
  • Rate includes a 1.35% bonus until 31/08/2012
  • 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
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

ING Direct Cash ISA

ING Direct
  • Act now and you can enjoy a great tax free rate of 3.0% AER variable (2.96% gross p.a variable, including a 1.96% 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 £5,340 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 (£5,340).

Halifax ISA Saver Online

Halifax
  • 2.60% tax free/AER variable including 12 month fixed bonus of 2.35%
  • Interest paid tax free
  • Open from just £1 and save in a way that suits you
  • Easy access to your savings
  • Transfers in benefit from our ISA Promise
  • Maximum savings £5,340 annually (tax year 2011/2012)
  • Available from age 16 onwards
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

BOS ISA Direct Reward

Bank of Scotland
  • £1 minimum opening balance - you will also need to keep a balance of at least £1 for the 12 month reward period
  • Unlimited withdrawals during the 12 month reward period
  • Unlimited number of deposits - up to £5,340 this tax year
  • Easy access: you can manage your account by phone and make deposits in branch. View your savings online 24/7 and transfer money between your own Bank of Scotland accounts.
  • If you have a cash ISA with another provider and want to take advantage of our ISA promise and interest rates, you can transfer your ISA to us now
  • Before you apply, read our summary box and important information
  • As part of our ISA promise, we will keep you informed when your reward offer is coming to an end. Once the reward offer is over the ISA Saver Direct variable interest rate (currently 0.50% Gross p.a.) and conditions apply

Natwest e-ISA

NatWest
  • Save from £1 and save up to £5,340 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
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Natwest Cash ISA

NatWest
  • Save from £1 and save up to £5,340 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
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme


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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 £10,680 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 £5,340 into a cash ISA, and the remaining amount into stocks and shares. You can only ever invest up to £5,340 into a cash ISA.

Many banks and building societies offer both cash and stocks and shares ISAs, and these days there are even Junior ISAs, designed to offer a tax free haven for your childs funds, 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.