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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...
Investment Income Plan ISAs

FTSE 100 Defensive Income Plan

from Investec

Allow ISA Transfers
Annual Income up to 7.60%
  • Counterparty: Investec Bank
  • Term: Maximum 8 years

If you’re looking for high income, then the ability to receive 7.6% per year even if the FTSE falls almost 20%, could be appealing.

  • Up to 7.6% per year based on the performance of the FTSE 100 Index
  • Income paid even if Index falls by 20%
  • Quarterly payments
  • Alternative option also available paying up to 5.75% pa if the FTSE doesn't drop by 40% or more
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, 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

Calculate your interest with this plan

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

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.

FTSE Monthly Contingent Income Plan

from Meteor

Allow ISA Transfers
Annual Income Up to 7.50%
  • Counterparty: Natixis
  • Term: Up to 10 Years

With the current record low interest rate environment, income is high up on the agenda for many investors and so the ability to receive 7.5% per year even if the FTSE falls by up to 15%, is certainly worth a closer look.

  • Potential monthly income: 0.625% (equivalent to 7.5% annually)
  • Income paid even if FTSE 100 falls by 15%
  • Potential to kick out quarterly from eighteen months 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.

FTSE 100 Enhanced Income Plan

from Investec

Allow ISA Transfers
Annual Income 4.35% fixed income
  • Counterparty: Investec Bank plc
  • Term: 5 years

Fixed income, fixed term, monthly payments and your capital back unless the FTSE falls by more than 40%. 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.

  • 4.35% 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 has fallen by more than 40% at maturity from it's initial level, 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.

Investment Growth Plan ISAs

FTSE 100 Enhanced Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 9.65% per annum
  • Counterparty: Investec Bank plc
  • Term: Up to 6 years

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 9.65% annual growth.

  • 9.65% 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 has fallen by more than 40% at maturity from it's initial level, 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.

Investment Income Plan ISAs

FTSE Daily Accrual Income Kick Out Plan

from Mariana

Allow ISA Transfers
Annual Income Up to 6.60%
  • Counterparty: Natixis
  • Term: Maximum 10 years
  • Income paid even if FTSE 100 falls by up to 25%
  • Income accrued daily
  • Quarterly payments
  • Plan has the potential to kick out early every year from the end of year 3 onwards
  • Minimum investment £10,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term

Calculate your interest with this plan

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

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

Youinvest ISA

from AJ Bell

  • Trade From (frequent trader rate): £4.95
  • Trade From (standard trader rate): £9.95

Voted ‘Best ISA Provider 2017’ in the City of London Wealth Management Awards. Place 10 deals or more per month and pay only £4.95 per online deal in the next month. Deal from £1.50 and never pay more than £9.95 per online trade.

Investment Fund Supermarket ISAs

Stocks & Shares ISA

from Charles Stanley

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: 1,500+ funds
  • Invest From: £50 per month or £500 single

Invest through an award winning FTSE company, with extensive research and analysis and competitive charges. Choose from a range of investments including shares, funds, gilts, bonds, investment trusts and ETFs.

Deposit Cash ISAs

FTSE 100 4 Year Deposit Plan

from Investec

ISA Option
Maximum Potential Return 15.00% at end of term
  • Deposit Taker: Investec Bank plc
  • Term: 4 years
  • 15% fixed return if the Index is higher
  • Capital protected product*
  • Eligible for the Financial Services Compensation Scheme (FSCS)
  • Available for ISA, ISA transfer and direct investment
  • Returns not guaranteed. You may only receive a return of your original capital
  • Minimum deposit £3,000
  • Plan designed to be held for full term

Important Information: * The return of your initial deposit depends on the ability of the deposit taker (Investec Bank plc) to repay your money. Structured deposits offer you the potential to earn higher returns than you would with a regular savings account. Your returns are based on the performance of an index or commodity. If the investment does not perform well you may receive no income or capital growth, but you can be confident that your capital will be repaid. You have no access to your deposit during the term of the account, typically 3 to 6 years but your original capital will be repaid in full at the end of the term. In the event that the deposit taker is unable to repay your initial investment and any returns stated you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) depending on your individual circumstances.

Fixed Rate Cash ISAs

2 Year Fixed Rate Cash ISA

from Ford Money

Interest Rate (AER) 1.33%
  • Term: 2 Years
  • Minimum deposit £500
  • Interest can be paid monthly or annually.
  • Transfers in allowed
  • FSCS Protected
  • Must be 16 or over to apply
  • Early withdrawals subject to term breakage charge

Calculate your interest with this plan

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

1 Year Fixed Rate Cash ISA

from Ford Money

Interest Rate (AER) 1.20%
  • Term: 1 Year
  • Minimum deposit £500
  • Interest can be paid monthly or annually
  • Transfers in allowed
  • FSCS Protected
  • Must be 16 or over to apply
  • Early withdrawals subject to term breakage charge

Calculate your interest with this plan

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

Easy Access ISA

from AA

Interest Rate (AER) 0.95%
  • Term: Easy Access

Earn 0.96% tax free/AER variable - includes a 12 month bonus rate of 0.76%. Open with £100. Unlimited free withdrawals. Transfer in ISAs held elsewhere - no limit

Felxible Cash ISA

from Ford Money

Interest Rate (AER) 1.00%
  • Minimum deposit £1
  • Interest can be paid monthly or annually
  • Unlimited deposits and withdrawals permitted
  • Transfers in allowed
  • FSCS Protected
  • Must be 16 or over to apply

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.

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.

High Income ISAs

High income ISA ideas:

ISAs Products

Cash ISAs

Fixed Rate & Instant Access ISAs:

Cash ISAs: 

Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

Latest News

Income ISA offers up to 7.60% pa paid quarterly

9th October 2017

Inflation reached as high as 2.9% in August as reported by the Office for National Statistics (ONS). As a result, many individuals are looking for ways to receive more income to combat the effect of rising inflation. 

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