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?

Natwest Cash ISAs

Compare Latest Cash ISA Deals

See our selection of the latest NatWest 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

NatWest Cash ISAs

NatWest cash ISAs are much like savings accounts, except you do not have to pay tax on the interest you earn. Whether you're looking to lock money away in return for a fixed rate of interest, or you want your money to be readily accessible, there is a range of NatWest cash ISAs available.

NatWest instant access ISAs

NatWest instant access ISAs let you take your money out when you need to, without penalty, while still offering attractive returns on your tax-efficient savings. You can also set up your own personal saving goals and watch your money grow, whether you're trying to save for something specific, or just for the future. You can transfer in from other ISAs, and manage your account by phone, post, online, or in branch. If you're looking for an account that doesn't require you to lock your money away for a fixed period, then NatWest instant access ISAs might be right for you.

NatWest fixed rate ISAs

NatWest fixed rate ISAs allow you to get a fixed return on your savings, without paying any income tax on the interest. These accounts offer savers a choice of fixed terms, from one to three years, so you can choose how long to lock your money away for. You can transfer in money from other cash ISAs if you don't think you're getting the best rate with your current provider.

NatWest stocks and shares ISAs

NatWest also offers a range of investment ISAs to suit different investors, whether novice or experienced.

History

In 1968 two banks dating from the 19^th century - National Provincial and Westminster Bank - merged to form National Westminster Bank. Together these banks could trace their history back down the centuries through a lineage of prestigious constituents, dating back to the 1650s. In the 1990s, the bank adopted its new title of NatWest, by which it is still known today.

Current information

In March 2000, The Royal Bank of Scotland Group completed the acquisition of NatWest in a £21 billion deal that was the largest take-over in British banking history. NatWest is now part of one of the world's largest financial services groups.

See below for a range of NatWest Cash ISAs:

NatWest Instant Access ISAs

Provider	Account	Interest Rate (AER)	Term	Apply
Transfers in allowed	Natwest Cash ISA	up to 2.00%	Instant Access	Apply Now >
	Earn 2.00% on balances of £50,000 or more, 1.75% on £27,000-£49,999, or 1.10% on balances of £22,000-£26,999 (AER). Available to all customers. Transfers in allowed.

See more instant access ISAs