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Best ISA Accounts

Compare our latest Cash ISA and Investment ISA ideas
With ISA season well and truly underway, we bring you our Best ISA Accounts for 2017, including Cash ISAs, Investment ISAs, Innovative Finance ISAs, Junior ISAs and much more...
Selected ISAs

Fully Managed Stocks and Shares ISA

from Nutmeg

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: Fully Managed Portfolios
  • Invest From: Min. £500 single (+ £100 pm for ISAs below £5,000)

Why we like it: Get an intelligent stocks & shares ISA portfolio - Choose a portfolio that’s fully managed by our expert team, or one designed to remain steady and rebalance automatically. No tie-ins, no set-up fees, no exit charges. Easy, online set up in minutes. Start with as little as £500 (plus £100 per month for ISAs below £5,000). Simple fee structures – 0.25% to 0.75% depending on how much you invest, incl VAT. Plus, live chat, amazing customer support and brilliant investor tools and guides. Regulated by the FCA and protected by the FSCS. Capital at risk.

Stocks & Shares ISA

from Virgin Money

ISA Option
Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: Choice of six funds
  • Invest From: £1
  • Investment Options: Lump sums, regular savings and ISA transfers

Why we like it: Choice of five passively managed Funds give you easy access to different levels of risk and return. No need to spend time managing individual investments, it’s all done for you. Virgin Money’s passively managed Funds have an annual ongoing charge of 1%. Virgin Money also offers the Climate Change Fund. This only invests your money in hand-picked companies with strong environmental credentials. As it is more expensive to run, this Fund has a higher annual ongoing charge of 1.3%.
Remember, you may get back less than you invest. 

Investment Income Plan ISAs

FTSE 100 Enhanced Income Plan

from Investec

Allow ISA Transfers
Annual Income 4.56% fixed income
  • Counterparty: Investec Bank plc
  • Term: 5 years

Why we like it: Fixed income, fixed term, monthly payments and your capital back unless the FTSE falls by more than 50%. By offering a high fixed income rather than a variable income based on the performance of the stock market, this plans offers something different to income seekers.

  • 4.56% income paid regardless of the performance of the FTSE 100
  • Monthly income
  • Available for ISA, ISA transfer and direct investment
  • Capital is at risk if the FTSE 100 Index falls by more than 50% during the term and finishes lower than its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • An arrangement fee applies for this plan
  • Product designed to be held for the full term

Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

Fixed Rate Cash ISAs

3 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.25%
  • Term: 3 Years

'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15

  • 1.85% gross/AER fixed for 3 years.
  • £1,000 minimum opening balance

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

2 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.20%
  • Term: 2 Year

'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15

1 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.00%
  • Term: 1 Year

'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15

Investment Growth Plan ISAs

FTSE 100 Enhanced Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 10.00% per annum
  • Counterparty: Investec Bank plc
  • Term: Up to 6 years

Why we like it: Kick out plans seem to attract particular interest when the market is at historically high levels since they can provide competitive returns even if the FTSE stays relatively flat with the potential for 10% annual growth.

  • 10.00% for each year (not compounded) provided the FTSE 100 finishes higher than its starting value (subject to averaging)
  • Potential to mature early, from year 1 onwards
  • Available for ISA, ISA transfer and direct investment
  • Capital is at risk if the FTSE 100 Index falls by more than 50% during the term and finishes lower than its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • Product designed to be held for the full term

Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

Peer to Peer Lending ISAs

Peer to Peer Growth IFISA

from Lending Crowd

ISA Option
Allows ISA Transfers
Interest Rate 6.00% target return
  • Term: No Fixed Term
  • Invest From: £1000

Why we like it: Innovative Finance ISAs (IFISA) are the new way to invest tax-free. Just like Cash and Stocks & Shares ISAs, you can invest up to £20,000 each tax year, and you don’t need to pay any personal taxes on your earnings. Lending Crowd will automatically diversify your funds across at least 20 loans through their Loan Market, with no more than 5% of your funds invested in any one loan. All repayments will be automatically reinvested.

  • No income tax or capital gains tax to pay on your profits
  • No fixed term, hold for as long as you wish
  • Also accepts ISA transfers from previous year's ISA's
  • Investments are automatically diversified across multiple business loans
  • The target rate is variable, net of ongoing management fees, estimated bad debt and before the 1% withdrawal fee
  • Capital is at risk
  • Must be aged 18 or older
  • Peer to peer lending is not covered by the FSCS

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)
Lifetime ISAs

Lifetime ISA

from Nutmeg

  • Protection Scheme: FSCS
  • Fund Choice: Fully Managed or Fixed Portfolios
  • Invest From: Min. Pay in from £100 to £4,000 to start your Lifetime ISA.

Why we like it: Get an intelligent stocks & shares Lifetime ISA portfolio - Choose a portfolio that’s fully managed by Nutmeg's team, or one designed to remain steady and rebalance automatically. No tie-ins, no set-up fees, no exit charges. Easy, online set up in minutes. Start with as little as £100 up to £4,000. Simple annual portfolio management fee from 0.45% to 0.75%, incl VAT. Plus, live chat, helpful customer support and really useful investor tools and guides. Nutmeg are regulated by the Financial Conduct Authority and are covered by the Financial Services Compensation Scheme. Capital at risk.

  • Nutmeg Lifetime ISA: Invest in high-quality, low-cost exchange traded funds
  • Contribute up to £4,000 per year until you’re 50
  • Get a 25% government bonus: For every £4 you invest you receive a £1 bonus
  • Use your savings to buy your first home up to a value of £450,000
  • You can contribute to both a stocks and shares Lifetime ISA and a ‘regular’ stocks and shares ISA in the same tax year
  • Must be UK resident aged 18-39
  • If you need to access your money for any other reason, you’ll pay a 25% penalty
Investment Income Plan ISAs

FTSE Monthly Contingent Income Plan

from Meteor

Allow ISA Transfers
Annual Income Up to 7.01%
  • Counterparty: Natixis
  • Term: Up to 10 Years
  • Potential monthly income: 0.584% (equivalent to 7.008% annually)
  • Income paid even if FTSE 100 falls by 20%
  • Potential to kick out quarterly from year 2 onwards
  • Available for ISA, ISA transfers and direct investments
  • Capital is at risk if the FTSE 100 Index falls by more than 40% during the term and finishes lower than its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £5000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term

Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

Share Dealing ISAs

Share Dealing ISA

from IG

  • Trade From (frequent trader rate): £5.00
  • Trade From (standard trader rate): £8.00

Why we like it: IG provide great value at £5 per trade if you placed 10 trades in the prior month. Pay no more than £8 per trade on UK shares. Over 5,000 international shares to choose from. No ISA transfer fees.

Vantage Stocks & Shares ISA

from Hargreaves Lansdown

  • Trade From (frequent trader rate): £5.95
  • Trade From (standard trader rate): £11.95

Why we like it: Online trading charges based on previous month's activity. 20+ trades made in previous month is £5.95 a trade. 10-19 trades are £8.95 a trade. Less than 10 trades it’s £11.95.

Junior ISAs

Charles Stanley

from Charles Stanley

Regular Savings
  • Investment Options: Invest from £50 per month or deposits of £500.

Why we like it: Charles Stanley Direct offers a Stocks and Shares Junior ISA with no initial charges or additional annual fees. Choose from a range of investments including shares, funds, gilts, bonds, investment trusts and ETFs.

Peer to Peer Lending ISAs

CROWD2FUND ISA

from CROWD2FUND

Allows ISA Transfers
Interest Rate Earn an estimated 8.70% APR
  • Term: 1-5 years
  • Protection Scheme: Own Scheme
  • Invest From: £10
  • Currently 0% platform default rate
  • Access to your capital
  • Balance your level of risk
  • Capital at risk
Fixed Rate Cash ISAs

3 Year Fixed Rate Cash ISA

from Bank of Cyprus

Interest Rate (AER) 1.28%
  • Term: 3 Years


  • Minimum deposit £500
  • Available to individual applicants aged 16 or over
  • Access to funds before the end of the term is subject to a fee equivalent to six months’ interest

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

2 Year Fixed Rate Cash ISA

from Bank of Cyprus

Interest Rate (AER) 1.23%
  • Term: 2 Years


  • Minimum deposit £500
  • Available to individual applicants aged 16 or over
  • Access to funds before the end of the term is subject to a fee equivalent to six months’ interest

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

1 Year Fixed Rate Cash ISA

from Bank of Cyprus

Interest Rate (AER) 1.13%
  • Term: 1 Year


  • Minimum deposit £500
  • Available to individual applicants aged 16 or over
  • Access to funds before the end of the term is subject to a fee equivalent to six months’ interest

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)
Easy Access Cash ISAs

30 Day Notice Cash ISAs

from Aldermore

Interest Rate (AER) 0.80%
  • Term: Easy Access

'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15

  • Early withdrawals are permitted subject to loss of interest equivalent to the notice period
  • Open account with £1000

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Instant ISA Saver

from Nationwide

Interest Rate (AER) 0.50%
  • Term: Instant Access
  • Instant access
  • Minimum deposit £1
  • Open and manage your account online or in branch
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be 16 or older

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Best ISA Accounts

Looking for the best ISA accounts? When choosing an ISA, it is important to consider:

  • Timescales - If you need access to your money in the short term consider a Cash ISA Account. If you are comfortable locking up capital for the medium to longer term you may wish to consider a Stocks and Shares ISA which has the potential to beating cash over the longer term
  • Attitude to investment risk - If you are not prepared to lose capital then a Cash ISA is probably the better option for you. It is important to remember that over the long term inflation can erode your capital in real terms so getting a good rate of interest on your cash ISA should be a priority. If you are prepared to risk capital to achieve higher potential returns then a stocks and shares ISA should be considered.
  • Charges - different ISA plans will have different charging structures. It is important that you are aware of what these charges are and how they could affect your ISAs performance over time.

After you have answered the above questions, use our ISA comparison tables on this site to help find a suitable deal. We recommend that you seek financial advice from an independent financial adviser if you are unsure about what you want. ISAs are great ways to save tax efficiently for both lump sum and regular savings - to ensure your get the best ISA for your circumstances invest some time in researching your options.

Cash v Investment ISA?

A common question often asked is which is better - saving in a cash ISA where your money is safe in relative terms or an investment ISA where your money can go down as well as up in value depending on stockmarket performance. The answer to the question depends on a number of factors. 

  • Timescales - how long are long a period are you looking to save over? If you are looking to access your money over the next 2 years then cash may be a better option. If however you are looking to invest for a longer term 5 years or more then you may wish to consider an investment ISA option. The table below provides a good comparison of returns for longer term investing in an ISA based on £25, £50 and £100 per month over 5 and 10 years.

  • Your attitude to risk - We are all different and we all have different attitudes to risk. A cash ISA provides peace of mind that you will get your original deposit back and often a defined rate of return. e.g. a 2 year fixed rate ISA paying 1.50% pa means that on maturity you have the certainty of knowing you will get back your original deposit and the set defined return after 24 months. With an investment ISA there is usually a risk to your original investment that it may go down in value as well as up. The risk you take comes with the prospect of a higher return which may or may not happen.  Over the longer term you are likely to see higher returns as evidenced by the table above. There are no guarantees of course that this will happen.

FREE Factsheet

Hargreaves Lansdown are providing a free factsheet revealing how three private investors built tax-efficient ISAs worth over £1 million - request your free copy now.

The Investing Secrets of ISA Millionaires - The Pathway to Becoming An ISA Millionaire »

5 Shares To Watch In 2017...

In 2015 Steve Clayton picked 5 shares to watch – overall his selections were well ahead of the market by the year end although past performance should not be seen as a guide to future returns.

In this factsheet Steve Clayton reveals his share picks for 2017 featuring:

Five shares to watch in 2017 - claim your free report

Important information - please remember that the value of investments, and any income from them, can fall as well as rise so you could get back less than you invest. If you are unsure of the suitability of your investment please seek advice. Tax rules can change and the value of any benefits depends on individual circumstances.

Cash ISAs

ISAs are a tax-advantageous way to save or invest, check out some of the ISA options below

ISAs Products

Fund ISAs

There are a range of types of fund ISA

Fund ISAs: 

Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

Latest News

What is the best investment ISA?

20th June 2017

People often ask: “what is the best investment ISA?” The answer to this question is not a simple one, with the best investment ISA for you depending on a number of factors. 

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Paul

Very informative, find myself a good ISA account with best return in terms of interest.