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Barnsley Building Society ISA

Compare ISAs from different providers to find the best way to make the most out of your allowance.
Investment Fund Supermarket ISAs

Astute Capital Stocks & Shares ISA

from Astute Capital

Allows ISA Transfers
  • Protection Scheme: No
  • Fund Choice: Managed Portfolios
  • Invest From: £2,500

Why we like it: Astute Capital Stocks & Shares ISA. Choose between four different high interest managed account options (access, income, balance or growth) which have four different fixed rate terms from 1 to 5 years. Unlike most ISA and investment accounts, there are no set up charges or management fees. Simple, online application process. Returns are based on current available rates and are not guaranteed. Your capital is at risk.More info...

Click & Invest Stocks & Shares ISA

from Investec Click & Invest

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: Managed Portfolios
  • Invest From: £2,500

Why we like it: In a nutshell this service helps make your ISA money work harder! Investec Click & Investis an online investment service that aims to make actively managed, globally diversified investment portfolios accessible to a wider audience. Everyone deserves harder working money, and Click & Invest’s goal is to make a positive difference to more financial futures. Their experts build and manage investment portfolios from £2,500 online, intelligently blending expertise with high-quality service. With a £2,500 minimum investment, Click & Invest aims to deliver an exceptional service for a straightforward fee. They offer both stocks and shares ISAs and general investment accounts, with a seamless online experience, with dedicated 24/7 support available. Capital at risk.More info...

Interative Investor Stocks & Shares ISA

from Interactive Investor

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: 40,000+ UK and global investments
  • Invest From: £25 pm or £100 single

Why we like it: ISA prize draw – win £20,000. Subscribe £2,500 or more to your 2018/19 ISA for automatic entry. Terms and conditions apply. An award-winning ISA that gives you complete control. The second largest platform in the UK with the widest choice of investment options in the market including funds, investment trusts, ETF’s and more. Open online in less than 10 minutes. Access to expert independent ideas and analysis. Low cost fees and trading. Capital at risk

Investment Growth Plan ISAs

FTSE 100 Enhanced Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 10.25% per annum
  • Counterparty: Investec Bank plc
  • Term: Up to 6 years

Kick out plans seem to attract particular interest when the market is at historically high levels since they can provide competitive returns even if the FTSE stays relatively flat with the potential for 10.25% annual growth.

  • 10.25% for each year (not compounded) provided the FTSE 100 finishes higher than its starting value (subject to averaging)
  • Potential to mature early, from year 1 onwards
  • 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
  • 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.

Barnsley Building Society ISA

ISAs can offer a tax-free or tax-advantageous way to save and invest your money, however to get the most out of your ISA allowance each year, it can be a good idea to shop around different providers to try and find the best products for your needs. Barnsley Building Society currently offer a range of Cash ISA product, Stocks & Shares ISAs are available through Barnsley Building Society’s association with Legal & General. Before you decide if Barnsley Building Society is right for you, you can use the comparison table below to compare different kinds of ISA from various providers:

Barnsley Building Society Cash ISAs

  • Fixed Rate – Allows savers who can afford to lock their cash away for either a 1 or 3 years to achieve a fixed rate of interest. Withdrawals are not permitted during the term however early closure and transferring out is permitted but will be subject to an interest penalty. These products have a minimum investment of £100.

  • Triple Access Saver – Is a variable rate option that allows customers to make withdrawals from their account on any three days of the year. Account closure can be made at anytime even if withdrawals have been made on three days. A year is based on the anniversary of the account being opened.

  • Instant ISA – Offers a variable rate of interest for savers who want to be able to make unlimited withdrawals. This product has a minimum investment of £10.

Barnsley Building SocietyStocks and Shares ISA

Is available through Barnsley Building Society’s association with Legal & General only. You can visit a Barnsley Building Society Branch and request to speak to a Legal & General financial consultant to find out more.

ISA Guide

In order to be eligible for a UK ISA you need to be:

  • Aged 16 or over for a cash ISA.
  • Aged 18 or over for a stocks and shares ISA.
  • A resident of the United Kingdom.
  • If you don’t live in the UK then you need to be a Crown Servant or their spouse/civil partner.
  • You can open a Junior ISA for someone under 18 who you have parental responsibility for.

Every eligible person has an annual ISA allowance which is the limit to the amount a saver can deposit into their ISA. There are two distinct categories of ISA: Cash ISAs and Stocks & Shares ISAs. ISA rules permit you to open up to a maximum of one of each kind of ISA each tax year. If you do decide to open both kinds of ISA, instead of one, then you will need to break up your ISA allowance between the two types of Individual Savings Account so you do not exceed it, this does not necessarily have to be done as a 50/50 divide it can be at a ratio of your choosing e.g. 30% used in a Stocks & Shares ISA with the remaining 70% used for a Cash ISA.

  • Cash ISAs – Are a kind of savings account, up to your maximum allowance the interest you earn is paid tax free however. There are different kinds of Cash ISA available such as; Fixed Rate, Easy Access and Instant Access.
  • Stocks & Shares ISAs – Are investment accounts that can be used to invest in various products such as gilts and bonds as well as stocks and shares. Up to your maximum allowance you do not pay any Capital Gains Tax or Income Tax on profits made from the increase in value of your investments, you do still however have to pay tax on dividends. These are at risk investments so do not FCA protection and you may get back less than you originally deposited if the value of your investments decreases.

ISA Transfers

It is possible to transfer an ISA from one provider to another; however some accounts may charge you an interest penalty for doing so. 

High Income ISAs

High income ISA ideas:

ISAs Products

Cash ISAs

Fixed Rate & Instant Access ISAs:

Cash ISAs: 

Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

Latest News

Lower ISA fees for fitness enthusiasts

13th March 2019

Do you need a nudge to encourage you to keep going to the gym, or for a regular run? How about lower admin fees on your ISA? Your health is as important to how much you will enjoy your retirement years as your future income. A new ISA provider reckons it makes sense to link the two together.

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