Cash ISAs
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Santander
NatWest
Yorkshire Building Society
Chelsea Building Society
Skipton Building Society
Barclays
Nationwide Building Society
Alliance and Leicester
Save Tax Free With An ISA

Cash ISAs
ProviderAccountInterest Rate (AER)TermApply
up to
4.20%
3 YearsApply Now >
Earn 4.20% Gross/AER when you transfer in or 3.80% Gross/AER standard rate. £1,000 minimum deposit. Transfers allowed from other cash ISAs.
3.70%3 YearsApply Now >
Cash ISA with a fixed rate of 3.70% AER for 3 years. £500 minimum balance. No withdrawals or additional deposits.
3.70%2 YearsApply Now >
Cash ISA with a fixed rate of 3.20% AER for 2 years. £500 minimum balance. No withdrawals or additional deposits.
up to
3.90%
2 YearsApply Now >
Earn 3.90% Gross/AER when you transfer in or 3.50% Gross/AER standard rate. £1,000 minimum deposit. Transfers allowed.
up to
3.90%
2 YearsApply Now >
Earn 3.90% Gross/AER when you transfer in or 3.50 standard rate. £1,000 minimum deposit. Transfers allowed.
up to
3.35%
1 YearApply Now >
Earn 3.35% Gross/AER when you transfer in, or 2.60% Gross/AER standard rate. Minimum deposit £1,000. Transfer in from other cash ISAs.
up to
3.35%
1 YearApply Now >
Earn 3.35% when you transfer in, or 2.60% Gross/AER standard rate. Minimum deposit £1,000. Transfer in from other Cash ISAs.
2.50%Instant AccessApply Now >
Instant access cash ISA open to new and existing customers. Transfers accepted. £10 minimum deposit.
2.00%Instant AccessApply Now >
Earn 2.50% on balances of £30,000 or more, 2.25% on £10,000-£29,999, or 2.00% on balances up to £9,999 (AER) Open to Natwest current account holders only.
0.55%Instant AccessApply Now >
Earn from 0.55% (balances up to £8,999); 0.75% (£9,000-£14,999); 0.95% (£15,000-£21,999); 1.75% (£22,000-£26,999); 1.90% (£27,000-£49,999); 2.00% (£50,000 or more) ISA transfers are eligible for additional bonus interest payments. Open to RBS current account holders only.
0.50%Instant AccessApply Now >
Minimum deposit just £1. Rates from 0.50% - 2.00% AER. Open to Natwest current account holders only.
* Income payments are dependent upon the FTSE 100 Index.

Stocks & Shares Income ISAs
 Product NameISA OptionIncome YieldTermMore Info
FTSE Income Planno5.80%
per annum
3 yearsMore Info >
3 year structured income plan with a fixed quarterly income return of 1.45% gross. Equivalent to 5.80% gross per year. Not available for ISA investment.
FTSE 100 Bonus Income Planyes7.50%
per annum
5 yearsMore Info >
5 year structured investment plan paying an income of 7.50% annually, including a potential annual bonus of 0.5%. Also available as a monthly income option, Stocks & Shares ISA investment and ISA transfer.
1yes
1
 More Info >
1
1
1yes
1
 More Info >
1
1
Schroders Monthly High Income Fundyes
See Details
 More Info >
The Schroder Monthly High Income Fund aims to generate a high income, whilst not compromising capital, by investing in a diversified basket of fixed income securities. 100% Discount off Initial Charges.
This is an investment fund ISA.
Invesco Perpetual Monthly Income Plus Fund ISAyes
See Details
 More Info >
Popular monthly income fund that aims to achieve a high level of income whilst seeking to maximise total return through investing in high yielding corporate and Government bonds, together with UK equities. 100% discount on initial charges.
This is an investment fund ISA.
Henderson Strategic Bond Fundyes
See Details
 More Info >
The aim of this fund is to deliver a quarterly income to investors by investing in higher yielding assets, which will include most types of fixed interest securities such as high yield bonds, investment grade bonds and government gilts, as well as having the ability to invest a proportion of the fund in equities. Income is paid to you quarterly.
This is an investment fund ISA.
Schroders Income Maximiseryes
See details
 More Info >
The Schroder Income Maximiser Fund ISA aims to deliver a target income yield of 7% pa, also providing potential capital growth. Income is paid to you quarterly. 100% Discount off Initial Charges.
This is an investment fund ISA.
Invesco Perpetual Corporate Bond ISAyes
See details
 More Info >
This highly popular fund aims to achieve a high level of overall return with relative security to capital. Income Paid to you twice yearly. Up to 100% Discount off the Standard Initial Fund Charge.
This is an investment fund ISA.
Artemis Income ISAyes
See details
 More Info >
One of the leading UK Equity Income Funds. The Fund managers hunt out companies with strong free cash flow and solid balance sheets. Income is paid to you twice yearly. 100% Discount off the Standard Initial Fund Charge.
This is an investment fund ISA.
Jupiter Corporate Bond Fund ISAyes
See details
 More Info >
The Jupiter Corporate Bond aims to achieve a high level of income with the opportunity for capital growth, through mainly investing in fixed interest securities. Income is paid to you twice yearly. 87.5% Discount off the Standard Initial Fund Charge.
This is an investment fund ISA.
Invesco Perpetual High Income Fund ISAyes
See details
 More Info >
One of the UK's most popular income fund ISAs the Invesco Perpetual High Income has delivered consistently good long term returns through a variety of market conditions. Income is paid to you twice yearly. Up to a 100% Discount off the Standard Initial Fund Charge.
This is an investment fund ISA.
M&G Corporate Bond ISAyes
See details
 More Info >
The M&G Corporate Bond Fund is a conservative ‘blue chip’ sterling fund that aims to produce a higher return than UK government bonds. Income is Paid to you Quarterly. 100% Discount off the Standard Initial Fund Charge.
This is an investment fund ISA.
Jupiter Merlin Income Portfolioyes
See details
 More Info >
The Jupiter Merlin Income Portfolio fund aims to achieve a high and rising income with some potential for capital growth. Income Distributions are made to you quarterly. 95% Discount off the Standard Initial Fund Charge.
This is an investment fund ISA.
* See details.
† Guaranteed income payments.
†† Income payments are dependent upon the FTSE 100 Index.

The value of investments and any return from them can fall as well as rise and you may not get back the full amount invested. Please ensure that you read the Important Risk Information below. 


Stocks & Shares Growth ISAs
 Product NameISA OptionMaximum Potential ReturnTermMore Info
FTSE 100 Enhanced Kick Out Plan Investec Versionyes13.50%
per annum
Up to
5 years
More Info >
Structured investment plan with the potential to mature after years 1, 2, 3 and 4. If the plan matures early it will return 13.5% times the number of years the plan has been in force. Also available for Stocks & Shares ISA and ISA transfer.
FTSE Bonus Growth Planyes12.50%
per annum
Up to 6 yearsMore Info >
6 year structured investment plan with the potential to mature early, returning the greater of 12.5% for each year the plan is in place, or the highest return from the FTSE, measured daily. Also available for Stocks & Shares ISA and ISA transfer
Early Bonus Planyes11.00%
per annum
Up to 6 yearsMore Info >
A 6 year structured investment plan with the potential to mature early, paying 11% for every year the plan is active. Also available for Stocks & Shares ISA and ISA transfer.
FTSE 5 Quarterly Defensive Planyes4.25%
per quarter
5 YearsMore Info >
A 5 year structured investment plan with the potential to return 4.25% x the number of quarters the Plan has been active.
FTSE Booster Planyes60%6 yearsMore Info >
6 year structured investment plan that offers a fixed growth return of 60% even if the FTSE 100 falls. Also available for Stocks & Shares ISA and ISA transfer.
FTSE 100 Geared Returns Planyes80%5 yearsMore Info >
5 year structured investment plan with the potential to receive a defined return of 80%. Also available for Stocks & Shares ISA and ISA transfer.
Growth Planyes60%5 yearsMore Info >
A 5 year structured investment plan which aims to provide a defined return of 60% at maturity. Also available for Stocks & Shares ISA and ISA transfer.
FTSE 100 Accelerated Growth PlanyesNo limit5 yearsMore Info >
5 year structured investment plan with the potential to return 2.2 x any growth in the FTSE 100 Index after 5 years. Also available for Stocks & Shares ISA and ISA transfer.
FTSE Protected Growth Planyes35%6 yearsMore Info >
A 6 year capital protected structured investment plan that offers a potential early exit return of 35%. Also available for Stocks & Shares ISA and ISA transfer.
FTSE 100 3 Year Deposit Plan yes19%3 yearsMore Info >
3 year capital protected deposit plan with the potential to receive a defined return of 19%. Also available for Cash ISA and Cash ISA transfer.
FTSE 100 Deposit Growth PlanyesNo limit5 yearsMore Info >
5 year capital protected structured deposit plan which aims to return 1.0 x any FTSE 100 growth. Also available for Cash ISA and Cash ISA transfer.
Enhanced Growth Planyes40%6 yearsMore Info >
6 year capital protected structured deposit plan which aims to return 5 x any FTSE 100 growth capped at 40%. Also available for Cash ISA and Cash ISA transfer.
Growth Deposit Bondyes50%6 yearsMore Info >
6 year capital protected structured deposit plan which returns the greater of 8.00% or 1 x any FTSE 100 growth, capped at 50%. Also available for Cash ISA and Cash ISA transfer.
FTSE 100 Kick Out Deposit Plan - Option 2yes6.25%
per annum
Up to
5 years
More Info >
Capital protected deposit plan with the potential to mature after years 2, 3, 4 and 5. If the plan matures early it will return 6.25% times the number of years the plan has been in force. Also available for Cash ISA and Cash ISA transfer.

The value of investments and any return from them can fall as well as rise and you may not get back the full amount invested. Please ensure that you read the Important Risk Information below. 

 

Archive for the ‘Articles’ Category


4 Reasons to Save with an ISA

 

An ISA is a way to store away money to earn interest or dividends without getting taxed on your earnings. According to most financial experts in the UK, an ISA is an absolute must for nearly every Brit today.

What can an ISA do for you?  Consider these opportunities for using ISA funds to your fullest advantage. more

 


Maxi, Mini, TESSA and PEPs: Where Did They Go?

 

If you have been a responsible saver in the UK, you may be familiar with terms like TESSA and PEPs. However, recent years have seen new terminology come into play in the form of a variety of ISAs, or individual savings accounts. What are these relatively new ISAs all about and where did the TESSAs and PEPs go? We have the answers to your questions so you can stay up to date on the latest British tax wrapping strategies. more

 


ISAs: Enjoying the Capital Gains Tax Advantages

 

One of the biggest advantages to opening an ISA is the fact that you avoid paying capital gains taxes on the shares you sell profitably. This benefit has led many to explore their options in shares ISAs, even if they don’t completely understand the tax breaks involved. This article will explain capital gains tax in greater detail, helping you develop a clear picture of how an ISA can benefit you in this area. more

 


4 Ways to Make the Most of Your ISA

 

Most financial advisors encourage their clients to have at least one ISA acting as a tax shelter for savings income or investments. These accounts offer the ability to deposit money every year, up to a maximum amount set by the FSA.  As you earn interest or dividends on your ISA, you do not have to report your earnings to the taxman. You also enjoy full use of your money at any time, since these accounts do not typically include restrictions for withdrawals. more

 


4 Sources of Advice for ISAs

 

There are plenty of questions that arise when it comes to opening and managing an ISA. You know investing in an ISA is a good idea, but how do you know which account to choose? Do you need to report ISA earnings on your tax form? Where do you go if your current ISA is no longer performing to your satisfaction?

Unless you are a financial professional, you probably don’t have answers to all those questions, and you may not even know where to go to find the answers you are seeking. The good news is that there are many professionals in the UK that provide advice in helping you obtain the most from your ISA. We have four sources that can provide invaluable information in managing your savings and investments. more

 


 
   
 
   

Please remember the value of your investments and the income from them can go down as well as up. You may not get back the full amount you have invested. If you're in any doubt you should consult an appropriate Financial Adviser.

ISA.co.uk is a trading style of Fair Investment Company who are authorised and regulated by the Financial Services Authority (FSA).