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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Editors Choice - ING Direct Savings Account - 3.10% AER

New customers only. 3.10% AER variable on balances up to £250,000 plus resulting interest. Open an account online in as little as 10 minutes. Conditions apply.

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Top 5 Fixed Rate Bonds

Provider
Account
AER
Duration
Interest Paid
Min Bal
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Vanquis Bank 5 Year Fixed Rate Bond
4.26%
Fixed term for 5 years
Monthly/Annually
£1,000
Apply >
More Info
Scottish Widows 5 Year Fixed Rate Bond
4.10%
Fixed term for 5 years
Annually
£10,000
Apply >
More Info
Post Office 3 Year Fixed Term Bond
3.72%
Fixed term for 3 years
Monthly/Annually
£500
Apply >
More Info
Post Office 2 Year Fixed Term Bond
3.63%
Fixed term for 2 years
Monthly/Annually
£500
Apply >
More Info
Vanquis Bank 3 Year Fixed Rate Bond
3.61%
Fixed term for 3 years
Monthly/Annually
£1,000
Apply >
More Info

Scottish Widows 5 Year Fixed Rate Bond

Scottish Widows
  • The Scottish Widows 5 Year Fixed Rate Bond is a fixed interest rate account offering a competitive 4.10%AER over a period of five years. The account is available to new and existing Scottish Widows Bank customers and is not linked to any investment products.
  • Minimum deposit £10,000
  • Deposit Term - 5 years
  • Fixed 4.10% annual gross
  • No partial withdrawals permitted during deposit term.
  • *Stands for the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Lloyds TSB International 1 Year Bond

Lloyds TSB
  • Save for 1 year
  • Fixed interest rates of 3.40% AER/Gross*.
  • Save from £10,000 up to £5,000,000
  • No withdrawals are allowed.
  • Rate is fixed for the term of the deposit.
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Post Office 1 Year Fixed Term Bond

Post Office
  • Great fixed rate for 1 year fixed term
  • Annual Interest Option = 3.27% gross/AER fixed
  • Monthly Interest Option = 3.22% gross/3.27% AER
  • Deposit from £500 to £2 million
  • Quick and easy online application with instant account opening
  • Monthly interest option also available
  • No extra deposits or withdrawals after opening
  • Close your Bond early if necessary (breakage fee applies)

Nationwide 1 Year Fixed Rate Bond

Nationwide
  • Get higher savings rate the more you deposit
  • £1 - £9,999 = 2.45%
  • £10,000 - £24,999 = 2.50%
  • £25,000 - £49,999 = 2.60%
  • £50,000+ = 2.70%
  • 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
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Nationwide 1 Year Fixed Rate Bond

Nationwide
  • Get higher savings rate the more you deposit
  • Deposit £50,000+ = 2.70% 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 must not 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
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Post Office 3 Year Fixed Term Bond

Post Office
  • Great fixed rate for 3 year fixed term
  • Annual Interest Option = 3.72% gross/AER fixed
  • Monthly Interest Option = 3.65% gross/3.72% AER
  • Deposit from £500 to £2 million
  • Quick and easy online application with instant account opening
  • Monthly interest option also available
  • No extra deposits or withdrawals after opening
  • Close your Bond early if necessary (breakage fee applies)

Post Office 2 Year Fixed Term Bond

Post Office
  • Great fixed rate for 2 year fixed term
  • Annual Interest Option = 3.63% gross/AER fixed
  • Monthly Interest Option = 3.57% gross/3.63% AER
  • Deposit from £500 to £2 million
  • Quick and easy online application with instant account opening
  • Monthly interest option also available
  • No extra deposits or withdrawals after opening
  • Close your Bond early if necessary (breakage fee applies)

Vanquis Bank 3 Year Fixed Rate Bond

Vanquis
  • Available Online Only.
  • Deposit between £1,000 to £250,000 for THREE YEARS in ONE PAYMENT and benefit from a guaranteed savings rate.
  • Annual or Monthly interest options available.
  • Sole or Joint Accounts.
  • Restricted to UK residents 18 years or older.
  • No additional deposits, withdrawals or closure during term.
  • Vanquis Bank is a UK bank with operations and call centres in London, Chatham, Bradford and Newcastle, and is part of the Provident Financial Group, a FTSE 250 company founded over 130 years ago.
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 BY THE FSCS - Financial Services Compensation Scheme

Vanquis Bank 5 Year Fixed Rate Bond

Vanquis
  • Available Online Only.
  • Deposit between £1,000 to £250,000 for FIVE YEARS in ONE PAYMENT and benefit from a guaranteed savings rate.
  • Annual or Monthly interest options available.
  • Sole or Joint Accounts.
  • Restricted to UK residents 18 years or older.
  • No additional deposits, withdrawals or closure during term.
  • Vanquis Bank is a UK bank with operations and call centres in London, Chatham, Bradford and Newcastle, and is part of the Provident Financial Group, a FTSE 250 company founded over 130 years ago.
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 BY THE FSCS - Financial Services Compensation Scheme

Scottish Widows 3 Year Fixed Rate Bond

Scottish Widows
  • The Scottish Widows 3 Year Fixed Rate Bond is a fixed interest rate account offering a competitive 3.50% AER over a period of three years.
  • The account is available to new and existing Scottish Widows Bank customers and is not linked to any investment products.
  • Fixed annual rate 3.50% Gross
  • Minimum deposit £10,000
  • Deposit Term - 3 years
  • No partial withdrawals permitted during deposit term.
  • *Stands for the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

United National Bank 1 Year Fixed Rate Bond

United National Bank
  • Guaranteed rate of interest for full term of product
  • Minimum deposit of £2,000
  • Interest payable monthly or on maturity
  • Penalty for early withdrawal
  • Available as sole or joint accounts
  • Must be UK resident and 18 years of age or older
  • Must have an account with an existing UK bank
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 BY THE FSCS - Financial Services Compensation Scheme

United National Bank 2 Year Fixed Rate Bond

United National Bank
  • Guaranteed rate of interest for full term of product
  • Minimum deposit of £2,000
  • Interest payable:
  • monthly (3.45% Gross)
  • yearly (3.50% Gross)
  • maturity (3.56% Gross)
  • Penalty for early withdrawal
  • Available as sole or joint accounts
  • Up to £85,000 per depositor is protected by FSCS
  • Must be UK resident and 18 years of age or older
  • Must have an account with an existing UK bank
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 BY THE FSCS - Financial Services Compensation Scheme

The Cambridge 2 Year Fixed Rate Bond

  • Exclusively available to open online
  • Allows you to invest your savings for a fixed term at an interest rate that won't change
  • You need a minimum of £1,000 to open your account
  • Online account management
  • You can add to the balance of your account whilst The Cambridge 3 Year e-Bond Issue 5 remains open to new savers
  • Withdrawals are not permitted during the fixed rate term
  • The Cambridge 3 Year e-Bond Issue 5 will mature on 27th May 2015
  • Interest is calculated daily and paid annually on 31st December or monthly on the last day of the month
  • This is a limited issue - the bond will be withdrawn when fully subscribed
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Top 5 ISAs

Provider
Account
AER
ISA Transfers In
Notice
Deposit Per Year
Apply
View Full Table >
Cheshire Building Society Direct Cash ISA
3.35%
No
Instant
Min £1,000
Max £5,640
Apply >
More Info
Rate includes a 2.35% AER bonus until 30/11/2013
Virgin Easy Access ISA
2.85%
Yes
Instant
Min £1
Max £5,640
Apply >
More Info
Flat rate, with no bonus period included
Lloyds TSB Cash ISA Saver
2.65%
Yes
Instant
Min £1
Max £5,640
Apply >
More Info
Rates includes 1.65% AER bonus for 1st 18 months

Lloyds TSB Cash ISA Saver

Lloyds TSB
  • Earn a variable rate of 2.65% AER/tax-free.
  • This rate includes a fixed introductory bonus of 1.65% AER for the first 18 months from account opening.
  • Interest paid annually on the 31st March.
  • Save up to £5,640 per tax year.
  • 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.
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Cheshire Building Society Direct Cash ISA

Cheshire Building Society
  • Deposit £1000+ and get 3.35% AER (variable) tax-free including a fixed 2.35% AER bonus interest rate, paid until 30th November 2013
  • Deposit £1-£999 and get 0.25% AER only.
  • Easy access to your cash, with unlimited withdrawals and deposits up to your annual cash ISA allowance (transfers from existing ISAs are not permitted)
  • However, you will need to open your account online today with at least £1,000.
  • You will receive a welcome letter with everything you need to manage your account by post.

Virgin Easy Access ISA

Virgin
  • Easy acess virgin e-cash ISA - is a cash ISA that pays 2.85% AER
  • Minimum balance £1
  • Maximum balance £2,000,000
  • Transfers are allowed simply complete a Transfer Authority Form for each ISA you wish to transfer
  • 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 £11,280 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 £5,640 into a cash ISA, and the remaining amount into stocks and shares. You can only ever invest up to £5,640 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.

 

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