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Compare a selection of ISAs from different providers.
Investment Income Plan ISAs

FTSE 100 Enhanced Income Plan

from Investec

Allow ISA Transfers
Annual Income 4.35% 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.

  • 4.35% 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.

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
Investment Growth Plan ISAs

FTSE 100 Enhanced Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 9.65% 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 9.65% annual growth.

  • 9.65% 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.

Fixed Rate Cash ISAs

3 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.25%
  • Term: 3 Years

'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15

  • 1.85% gross/AER fixed for 3 years.
  • £1,000 minimum opening balance

Calculate your interest with this plan

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

2 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.20%
  • Term: 2 Year

'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15

1 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.00%
  • Term: 1 Year

'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15

Coop ISA

ISAs offer a tax free or tax efficient way to save and invest your money, Coop ISA plans include a selection of Cash ISAs but they do not currently have a Stocks & Shares ISA available. Whether you are interested in a Cash ISA, a Stocks & Shares ISA or both type of account it can be a good idea to shop around, to try and get the most out of your annual ISA allowance. Using the table below you can compare ISA products from various different providers and click the links to find out more:

Co-Operative Bank Cash ISAs:

  • Britannia 1 & 2 year fixed rate ISAs – Since Co-ops merger with Britannia you can take advantage of their Fixed Rate products. Savers who can afford to lock away a minimum of £5,000 for a set period of time could benefit from a fixed rate of interest. Withdrawals are possible but will be subject to an interest charge, this means you could get back less than what you put in.
  • Cash ISA and Online Cash ISA – Offers a variable rate of interest to borrowers, with a minimum deposit of £1. This is an instant access account so savers can make unlimited withdrawals without penalty.

About ISAs

There are two kinds of ISA: Cash and Stocks & Shares. ISA rules mean that each year you can open a maximum of one of each type of ISA each tax year, if you opt to open both a Cash ISA and a Stocks & Shares, then as your ISA allowance stays the same you will need to divide it between the two accounts, but you can do so at a ratio of your choosing e.g. 60% in a Cash ISA and the remaining 40% into a Stocks & Shares ISA.

  • Cash ISAs – Are a type of savings account, the main difference from a traditional savings account offered by a bank or building society is that up to your maximum allowance any interest that accumulates on your savings is paid tax-free.
  • Stocks & Shares ISAs – Are a kind of investment account that can be used to invest in other products like: gilts, bonds and stocks. It is important to remember with this kind of account that the value of your investments can decrease, meaning you could get back less than what you originally deposited. The ISA works as a ‘tax-efficient wrapper’ so while you will still be taxed on dividends, there is no income tax or capital gains tax that needs to be paid on value increases on your investments, within the ISA up to your maximum allowance.

ISA Transfers

It is possible to transfer an ISA from one provider to another or to another type of ISA with the same provider. However your current provider may impose an interest penalty for doing so. This means that it can be good to shop around occasionally to see if you can find an ISA that can beat your current deal. However before you switch you should first work out if, once you have factored in any interest penalty you would incur, that you would not actually be better off staying put. 

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

Income ISA offers up to 7.60% pa paid quarterly

9th October 2017

Inflation reached as high as 2.9% in August as reported by the Office for National Statistics (ONS). As a result, many individuals are looking for ways to receive more income to combat the effect of rising inflation. 

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