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Banking & Saving ISA

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.

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 providers covered by the Financial Services Compensation Scheme protect your ISA for up to £50,000, 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

Top 5 ISAs

Provider Account AER Notice Deposit Per Year Apply
Min Max
View Full Table >
Halifax 4 Year Fixed Rate ISA Saver
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
Apply >
More Info
Halifax 3 Year Fixed Rate ISA Saver
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
Apply >
More Info
Halifax 2 Year Fixed Rate ISA Saver
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
Apply >
More Info
Lloyds TSB 2 Year Fixed Rate Cash ISA
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
Apply >
More Info
A&L Direct 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
Apply >
More Info
Halifax 4 Year Fixed Rate ISA Saver
  • 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
Halifax 3 Year Fixed Rate ISA Saver
  • 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
Halifax 2 Year Fixed Rate ISA Saver
  • 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
Santander ISA (Issue 6)
  • 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
A&L Direct ISA (Issue 6)
  • 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.
Lloyds TSB Cash ISA
  • 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.
Halifax 1 Year Fixed Rate ISA Saver
  • 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
ING Direct Cash ISA
  • 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
Natwest e-ISA
  • 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
Santander ISA (Issue 6)
  • 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
A&L Direct ISA (Issue 6)
  • 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.
Natwest Cash ISA
  • 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
Principality e-ISA
  • 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.
Lloyds TSB 2 Year Fixed Rate Cash ISA
  • 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.


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 ...
Read More >
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 ...
Read More >
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, ...
Read More >
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 ...
Read More >
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 ...
Read More >
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

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