2015 Cash ISA Limits

Compare The Latest Cash ISA Deals

A cash ISA can provide a tax-efficient home for your savings. Use the tables on this page to compare our selection of the latest cash ISA deals.



James Caldwell, Director



Cash ISA Selection
ProviderPlan NameDeposit TakerISA OptionTermMaximum Potential ReturnMore Info

Kick Out Deposit PlanInvestec Bank plcyesUp to
6 years


per annum

More Info >
  • 4.25% for each year if the FTSE 100 finishes higher than its starting value
  • Opportunity to mature early at year 3, 4 or 5
  • Capital protected
  • Short/medium term alternative to fixed rates
  • Also available for Cash NISAs & NISA transfers
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Limited offer - deadlines apply. May close early if oversubscribed
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only receive a return of your original capital 
Important Information: 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.
Instant Access Cash ISA Selection
Fund ManagerAccountRateTermMore Info

Nationwide Instant ISA Saver1.40%Instant AccessMore Info >
  • Instant access
  • 1.40% AER/Gross
  • 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

E-Cash ISA 21.00%Instant AccessMore Info >
  • No bonus included in the rate
  • No notice period or loss of interest for withdrawals
  • Transfers accepted
  • Minimum balance £10
  • Access – online, telephone and post
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be 16 or older
  • Annual interest
  • Variable interest rate

Natwest Instant Access Cash ISAUp to 1.00%Instant AccessMore Info >
  • Earn 1.00% AER (variable) on balances over £25,000 (0.50% AER (variable) on balances below £25,000)
  • Transfers allowed in – bring all your cash ISAs together in one place
  • Instant access – manage your account by phone, in-branch and online
  • Tax free interest means interest payable is exempt from UK income tax
  • Must be 16 or over
  • Must be a UK resident
Fixed Rate Cash ISA Selection
Fund ManagerAccountRateTermMore Info

5 Year Cash ISA2.50%5 YearsMore Info >
  • Earn 2.50% fixed for the term of the ISA
  • Transfers accepted
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be 18 or older
  • Minimum deposit £5,000
  • No withdrawals permitted before the end of the term

Online Cash ISA 3 Year Fixed Deposit 2.10%3 yearsMore Info >
  • Earn 2.10% fixed for the term of the ISA
  • Transfers accepted
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be 18 or older
  • Minimum deposit £5,000
  • No withdrawals permitted during the term of the ISA

3 Year Fixed Rate Cash ISA1.85%3 YearMore Info >
  • Manage your account online, by phone or post
  • Withdraw cash early if you need to (subject to loss of interest)
  • Transfer from other cash ISA providers
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
  • Minimum opening balance of £1,000

2015 Cash ISA Limits

Each UK resident over 16 (or 18 for investment ISAs) has an annual ISA allowance, which is set at the start of each tax year by HMRC. The tax year runs from 6th April each year, and the ISA allowance for 2015/16 is £15,240, all or part of which can be saved in a cash ISA. 

ISAs allow you to earn interest on your savings without paying tax on it or invest in stocks and shares without being liable for tax on any returns you make. In 2010, the ISA limit was indexed to inflation for the first time, linking it to the Retail Price Index (RPI). Since 2012, the change in ISA limits each tax year has been linked to the Consumer price Index (CPI) instead.

Types of cash ISA available include:

  • Instant access cash ISAs
  • Easy access cash ISAs (also known as notice accounts)
  • Fixed-rate cash ISAs


Compare the best 2015 cash ISAs

The terms and conditions of a cash ISA often vary slightly depending on which provider you choose, so it's essential to check things like:

  • The minimum balance requirements
  • Any limits on transfers into the account - some accounts set limits on this
  • Notice periods and penalty fees, if these apply 

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 name of Fair Investment Company Ltd which is authorised and regulated by the Financial Conduct Authority.