ISA Ideas

• Cash ISAs
• Fixed Rate Cash ISAs
• Instant Access Cash ISAs
• Structured Cash ISAs
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• ISAs Explained
• 5 Factors to Consider when choosing a Cash ISA
• What can Cash ISAs include?

Barclays Cash ISAs

Compare The Latest Barclays Cash ISA Deals

See our selection of the latest Barclays cash ISA deals.

 

James Caldwell, Director

Cash ISA Selection

Provider	Plan Name	Deposit Taker	ISA Option	Term	Maximum Potential Return	More Info
	Money Builder Deposit Plan	SG Hambros		6 years	8% per annum	More Info >
Potential annual income of 8.0% Income paid if x5 shares finish above 95% of their starting values Capital protected Medium/long term alternative to fixed rates Also available as a Cash ISA & for Cash ISA transfers Limited offer - deadlines apply. May close early if oversubscribed Plan designed to be held for full term Returns not guaranteed. You may only receive a return of your original capital
	Deposit Growth Plan	Investec Bank plc		5 years	130% x any FTSE 100 growth (no limit)	More Info >
Return of 130% x any FTSE 100 growth, no upper limit Capital protected Low minimum - £3,000  Short/medium term alternative to fixed rates  Also available for Cash ISA & Cash ISA transfers 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 Manager	Account	Rate	Term	More Info
	Nationwide Web ISA	2.25%	Instant Access	More Info >
2.25% AER on balances over £10,000 including a tax-free introductory bonus fixed until 30 September 2014 Open and manage your account Online After September 30 2014 reverts to variable rate, currently 0.50% You'll need to hold or open a card account to apply for a Web ISA
	E-Cash ISA	1.30%	Instant Access	More 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 Annual interest Variable interest rate

Fixed Rate Cash ISA Selection

Fund Manager	Account	Rate	Term	More Info
	2 Year Fixed Rate Cash ISA	2.00%	2 Years	More Info >
Earn 2.00% AER tax free. Minimum deposit £1,000 Interest will be paid at the rate of 1.50% AER/Gross (fixed) p.a. until the Fixed Rate ISA start date - 10 June 2013 Partial withdrawals are not permitted during the fixed term Early closure will result in an interest charge
	1 Year Fixed Rate Cash ISA	1.85%	1 Year	More Info >
Minimum opening balance of £1,000 Manage your account online Withdraw cash early if you need to (subject to loss of interest) Transfer from other cash ISA providers
	1 Year Fixed Rate Cash ISA	1.80%	1 Year	More Info >
Earn 1.80%AER tax free. Minimum deposit £1,000 Interest will be paid at the rate of 1.50% AER/Gross (fixed) p.a. until the Fixed Rate ISA start date - 10th June 2013 Partial withdrawals are not permitted during the fixed term Early closure will result in an interest charge

Barclays Cash ISAs

Cash ISAs available                  

The current 2012/13 cash ISA allowance is £5,640 per individual and the deadline for using this is 5th April 2013. Barclays currently offers two types of cash ISA:

• Instant cash ISA- This account can be opened with as little as £1, and it earns a competitive, variable rate of interest. Interest is calculated daily and paid out annually. Withdrawals can be made at any time without penalty. Transfers from and to other ISA providers are allowed with the Barclays Cash ISA.

• 3 year flexible cash ISA- For those who are happy to tie up their money for longer, this ISA deal offers a three year fixed term with the flexibility to make three withdrawals during this period, of any amount up to 10% of the balance.

History

Barclays is one of the oldest banks in the UK, boasting roots that date as far back as 1690. The bank continued to grow and thrive through a series of acquisitions over the next few centuries.

Current Information

Today, Barclays is a global provider of financial services, offering a variety of options in both the commercial and retail sector. The company features a wide range of deposit accounts, investments, loans, credit cards and financial planning services to reach a large and diverse customer base. The company currently offers two different cash ISA products, as well as investment options for those who wish to use their stocks and shares ISA allowance.