Best Isas

Best ISAs

 

Finding the best ISA account online can seem daunting with so many to choose from. When choosing an ISA, the first thing you must consider is your risk level. Some ISAs offer greater potential returns, but also with that comes a higher level of risk. Other isas offer lower yields but much more stability.

Another consideration is the amount of time that you wish to invest your money for. Do you intend to take a regular income as you could with an income isa or would you be happy to have a longer term investment of over 5 years where you leave the deposit untouched?

After you have answered the above questions, you can now use the comparison tables on this site to find the most suitable isa at the best rate. We recommend that you seek financial advice from an independent financial adviser to make sure that you have made the most prudent choice for your investment. Isas are great ways to save money, and tax, but must be entered with caution as there is an element of risk to them also.

 

Cash ISAs

Provider	Account	Interest Rate (AER)	Term	Apply
	3 Year Fixed Rate Cash ISA	up to 4.20%	3 Years	Apply 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 Year Fixed Rate Cash ISA	up to 4.20%	3 Years	Apply 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.
	Fixed Rate Cash ISA - 3 years	3.70%	3 Years	Apply Now >
	Cash ISA with a fixed rate of 3.70% AER for 3 years. £500 minimum balance. No withdrawals or additional deposits.

See more Cash ISAs

* Income payments are dependent upon the FTSE 100 Index

 

 

Structured Income ISAs

	Product Name	ISA Option	Income Yield	Term	More Info
	FTSE Income Deposit Plan		7.50% per annum	6 Years	More Info >
	A 6 year capital protected structured deposit plan with the potential to pay 7.5% annual income. Backed by the Royal Bank of Scotland. Also available as a cash ISA and for ISA transfer.
	FTSE 100 Bonus Income Plan		7.50% per annum	5 years	More 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.
	FTSE Income Plan		5.80% per annum	3 years	More 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.

See more deals

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. 

 

 

Structured Growth ISAs

	Product Name	ISA Option	Maximum Potential Return	Term	More Info
	FTSE 100 Enhanced Kick Out Plan Investec Version		13.50% 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 Plan		12.50% per annum	Up to 6 years	More 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 Plan		11.00% per annum	Up to 6 years	More 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 Plan		4.25% per quarter	5 Years	More 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 Plan		60%	6 years	More 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 Plan		80%	5 years	More 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 Plan		60%	5 years	More 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 Plan		No limit	5 years	More 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 Plan		35%	6 years	More 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.
	Inflation Protected Deposit Bond		RPI Tracker	5 years	More Info >
	5 year capital protected structured deposit plan offering 100% of any growth in the Retail Prices Index with no cap (minimum return of 16%). Also available for Cash ISA and Cash ISA transfer.
	FTSE 100 3 Year Deposit Plan		19%	3 years	More 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 Plan		No limit	5 years	More 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 Plan		40%	6 years	More 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 Bond		50%	6 years	More 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.
	Annual Locked-In Return Plan		36%	6 years	More Info >
	6 year capital protected structured deposit plan which aims to return 6% annual growth capped at 36%. Also available for Cash ISA and Cash ISA transfer.
	FTSE 100 Kick Out Deposit Plan - Option 1		6.00% per annum	Up to 5 years	More Info >
	Capital protected structured deposit plan with the potential to mature after years 1, 2, 3, and 4. If the plan matures early it will return 6% times the number of years the plan has been in force. Also available for Cash ISA and Cash ISA transfer.
	FTSE 100 Kick Out Deposit Plan - Option 2		6.25% 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.
	Moneybuilder		5.75% per annum	6 years	More Info >
	A 6 Year capital protected structured deposit growth plan with the potential to pay 5.75% pa, up to a maximum of 34.5% over 6 years at maturity. Also available for Cash ISA and ISA Transfer.

See more deals

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. 

Important Risk Information:

This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.

Different types of investment carry different levels of risk and may not be suitable for all investors. Please ensure that you read the Important Risk Information for further details. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature. If you are in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.

www.isa.co.uk is a trading style of Fair Investment Company Limited, which is authorised and regulated by the Financial Services Authority (FSA). Fair Investment Company Limited is entered on the FSA register (www.fsa.gov.uk) under reference number 192852. Registered in England no. 3980180. Registered address: Kings House, 14 Orchard Street, Bristol, BS1 5EH.

The information and content of this website is subject to the UK regulatory regime and is therefore intended for UK consumers.

© Fair Investment Company Limited 2011 - Web Development provided by Fair Web Solutions