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High Income ISAs

Compare High Income ISA Deals
"If you want to achieve maximum income from your ISA allowance, a high income ISA can offer a convenient and tax-efficient way to save."
Investment Income Plan ISAs

FTSE 100 Defensive Income Plan

from Investec

Allow ISA Transfers
Annual Income up to 8.00%
  • Counterparty: Investec Bank
  • Term: Maximum 8 years

If you’re looking for high income, then the ability to receive 8% per year even if the FTSE falls almost 20%, could be appealing.

  • Up to 8% per year based on the performance of the FTSE 100 Index
  • Income paid even if Index falls by 20%
  • Quarterly payments
  • Alternative option also available paying up to 6% pa if the FTSE doesn't drop by 40% or more
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • An arrangement fee applies for this plan
  • Product designed to be held for the full term

Calculate your interest with this plan

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

Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

Credit Suisse FTSE 100 Quarterly Income Autocall Plan

from Dura Capital

Annual Income Up to 6.00%
  • Counterparty: Credit Suisse
  • Term: Up to 8 Years

As inflation continues to have a significant impact on our returns, the ability to receive up to 6% per year even if the FTSE falls up to 25%, might well be worth a closer look

  • Potential quarterly income: 1.50% (equivalent to 6% annually)
  • Income paid even if FTSE 100 falls by 25%
  • Potential to kick out annually from year 2 onwards
  • Available for ISA and direct investments
  • Capital is at risk if the FTSE 100 Index falls by more than 40% during the term and finishes lower than its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Not available for ISA transfers
  • Minimum investment £5000
  • An arrangement fee applies to this plan

Calculate your interest with this plan

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

Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

FTSE Monthly Contingent Income Plan

from Meteor

Allow ISA Transfers
Annual Income Up to 5.00%
  • Counterparty: Citigroup
  • Term: Up to 10 Years

With the current record low interest rate environment, income is high up on the agenda for many investors and so the ability to receive 5.00% per year even if the FTSE falls by up to 40%, is certainly worth a closer look.

  • Potential monthly income: 0.4167% (equivalent to 5.00% annually)
  • Income paid even if FTSE 100 falls by 40%
  • Potential to kick out quarterly from year 2 onwards
  • Available for ISA, ISA transfers and direct investments
  • Capital is at risk if the FTSE 100 Index falls by more than 40% during the term and finishes lower than its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £5000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term

Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

FTSE 100 Enhanced Income Plan

from Investec

Allow ISA Transfers
Annual Income 4.20% fixed income
  • Counterparty: Investec Bank plc
  • Term: 5 years

Fixed income, fixed term, monthly payments and your capital back unless the FTSE falls by more than 40%. By offering a high fixed income rather than a variable income based on the performance of the stock market, this plans offers something different to income seekers.

  • 4.20% income paid regardless of the performance of the FTSE 100
  • Monthly income
  • Available for ISA, ISA transfer and direct investment
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • An arrangement fee applies for this plan
  • Product designed to be held for the full term

Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

What is a High Income ISA?

A high income ISA is a way of using your ISA allowance that aims to provide you with a regular tax-efficient payment on your investment or savings, with an emphasis on achieving the highest income possible. This income may be paid on a quarterly, six-monthly, or yearly.

There are a variety of high income ISA accounts available, so it makes sense to shop around for the one that best fits your income goals.

High income ISA limits

The maximum amount you can put into a high income ISA is subject to the ISA allowance limit. You can put all or part of this amount into a high income stocks and shares ISA, all into a cash ISA, or some in a high income cash ISA and the remainder in a high income stocks and shares ISA.

Types of high income ISA

There is a wide range of high income ISAs available. You can select income funds covering all major geographical regions of the world. You can choose income funds with different investment risk profiles and growth objectives, including income equity funds, bond funds, property funds, specialist funds, and cash funds.

Benefits of a high income ISA

  • A high income cash ISA allows you to combine a straightforward, tax-free cash savings account with the benefit of regular income payments.
  • A high income stocks and shares ISA could be a good way to use your ISA allowance to maximise your potential for income from your investments, especially at this time of low interest rates. The money you invest in a high income ISA can offer the potential for tangible tax savings.
  • If you are saving with your retirement in mind, a high income investment ISA could be an option to consider. Many people use their yearly ISA allowance to invest in high income plans - the result of which can generate a tax-free income during retirement. In fact, recent data shows that savers are now putting more money into ISAs than into pension schemes.

Drawbacks of a high income ISA

  • A high income ISA may be less suitable for you if you are saving for a short-term goal. Because the income on your ISA pays out at regular intervals - for example, once a year - you may miss out on the benefits of this if you withdraw earlier. To avoid this, choose an income ISA with a more frequent income payment scheme.

Before you take out a ISA

There are a wide range of ISAs available, whether you decide to use your annual allowance for a cash ISA, stocks and shares ISA or decide to break it up to open one of each kind it is worth thoroughly shopping around before hand, to make sure you find the product that suits your specific needs best. You can use the table on this page to compare a selection of ISAs from different providers.

ISA idea for tax free income

Best ISA Ideas For Growth


The opportunity for a high fixed tax free monthly income.

Maximise your 2018-19 allowance!

Invest from £3,000

Click here for more details...»

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.

High Income ISAs

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Stocks and Shares ISAs

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