Compare Cash ISAs

COMPARE THE LATEST ISAS - At Which4U we make it easy to find the best rates instantly. Make the most of your tax free ISA allowance and Apply online today.

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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
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More Info
Post Office 2 Year Fixed Term Bond
3.63%
Fixed term for 2 years
Monthly/Annually
£500
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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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Cash ISAs

Cash ISAs (individual Savings Accounts) are a great way of making your savings work harder for you, allowing you to keep all  of the interest you earn without giving a penny to the  tax-man.

There are many factors that come into play when choosing between cash ISAs, such as interest rates, access to funds and whether an ISA can be transferred. It is also possible to fix a rate for a period of time to protect yourself against falling rates, but these cash ISAs tend to charge a penalty for early withdrawals.

You can deposit up to £5,640 into a cash ISA every year, allowing you to build up a tax-free haven that will provide you with tax-free income. Depending on the account you choose, you may be able to leave the interest you build up to add to the pot.

 

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