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High Interest ISA

Peer to Peer Lending ISAs

CROWD2FUND

from CROWD2FUND

ISA Option
Allows ISA Transfers
Regular Savings
Interest Rate Earn an estimated 8.70% APR on your investments
  • Term: 1 - 5 Years
  • Invest From: £10

Why we like it: Crowd2Fund’s Finance ISA is designed to make it easier for savers to invest while managing a diversified portfolio. You can transfer existing ISAs (Crowd2Fund will help you do this) and earn an estimated 8.7% APR* return tax free.

  • Currently 0% platform default rate
  • Access to your capital
  • EIS, SEIS & IFISA tax relief
  • Balance your level of risk
  • *Capital at risk
  • Peer to peer lending is not covered by the FSCS
Easy Access Cash ISAs

35 Day Notice Cash ISA

from Bank of Cyprus

Interest Rate (AER) 0.75%
  • Term: Easy Access

Why we like it: Bank of Cyprus UK offer a great Easy Access ISA with a top rate of interest. You are covered by the UK FSCS scheme.

  • Access to funds subject to 35 days notice
  • Open account with £500

Calculate your interest with this plan

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

FTSE 100 4 Year Deposit Plan

from Investec

ISA Option
Maximum Potential Return 12.50% at end of term
  • Deposit Taker: Investec Bank plc
  • Term: 4 years
  • 12.5% 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.

High Interest ISA

Technically, since there is no tax deductible on the interest gained in Individual Savings Accounts, each ISA can be considered a high interest ISA. However, there are certain ISAs that have much higher interests than others. These ISAs allows for a much greater return on investment regardless of the investment type, that is cash, stocks or shares. A high interest ISA is one that has a high interest rate throughout the entire term and mostly, these rates are fixed, as is the term of investment.

There are different types of high interest isa account:

Fixed rate ISA

In this account, the interest rate is pre-determined and fixed. Therefore the deposit made on this account gains a steady interest as per the set rate of interest. The set term for investment is annually. In the fixed rate ISA, which is arguably the highest interest ISA, the deposit or investment is made once. At the beginning of the term, the individual makes a single deposit or investment and cannot add more to the account. This ISA this therefore best for an individual with a fairly large sum of money and wishing to invest it all at once. After the deposit is made depending on provider criteria the individual usually cannot make any withdrawals from the account and has to wait until the end of the set term, which will depend on how long the term is for. Fixed rate ISA terms can vary typically from 1 year to 5 years. The interest gained is therefore greatly dependent on the initial deposit. An individual can deposit as high an amount as possible as long as it does not exceed the allowance limit, that is £20,000 for the 2017/2018 tax year.

Easy Access or Instant Access ISAs

These types of isa account can be instant access, easy access or notice accounts where it is possible to make regular deposits. An individual also has more flexibility with these accounts than with a fixed rate ISA. With these isa accounts the interest available may vary and may not provide the higher interest you can achieve through a fixed rate isa.

Cash ISAs

ISAs are a tax-advantageous way to save or invest, check out some of the ISA options below

ISAs Products

Fund ISAs

There are a range of types of fund ISA

Fund ISAs: 

Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

Latest News

What is the best investment ISA?

20th June 2017

People often ask: “what is the best investment ISA?” The answer to this question is not a simple one, with the best investment ISA for you depending on a number of factors. 

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