Compare Top 5 ISAs

COMPARE TAX-FREE ISAS - Find the highest paying ISAs using our ISA table. Compare a number of providers side-by-side and compare rates. Make the most of your tax-free allowance and apply online today.

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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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Which ISA

There are a wide variety of Individual Savings Accounts (ISAs) on offer in today's market, but the key for you is finding which ISA best suits your financial needs.

Whether you're just starting out, making your first deposit towards an ISA pot, or you want to switch providers, moving your existing ISA funds across to another deal, there is an ISA to match.

ISAs come with a range of features and benefits, from fixed rates for a fixed term, allowing your savings to be shielded from falling rates, tiered rates that reward larger deposits with an increased rate, instant access to your funds.

All UK savers are given an annual ISA allowance of up to £10,680, which can be split between Cash ISAs and Stocks & Shares ISAs. Savers can deposit a maximum of £5,340 into a cash ISA in any one tax year, with the choice to add the remainder into stocks & shares with the ISA wrapper, or alternatively the full allowance can be invested into Stocks & Shares.

All providers covered by the Financial Services Compensation Scheme protect your ISA for up to £85,000, so if the bank were to fall into financial difficulty, your money would be safe. Other providers operating over-seas may have their own compensation scheme, some of which have a higher limit of compensation. For more information on how the compensation scheme works and which ISA providers are covered, see Which4U's Top Ten Savings Tips

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