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Lloyds Bank ISA

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Stocks & Shares ISA

from Prudential

Allows ISA Transfers
Regular Savings
  • Protection Scheme: FSCS
  • Fund Choice: Four unique PruFunds
  • Invest From: £50 p.m. or £500 lump sum
  • Investment Options: Lump sums, regular savings and ISA transfers

Why we like it: Choose from 4 unique PruFund Funds, each one with a different level of risk and managed by Prudential’s in-house experts, and you can keep track of your investments 24/7 using their online valuation service. Open with as little as £50 per month or a one off lump sum of £500. The application process takes around 10 minutes and they also have a simple transfer process if you already have ISAs that you wish to move across. Other benefits include one simple annual management charge and no exit fee.

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

Why we like it: Fixed income, fixed term, monthly payments and your capital back unless the FTSE falls by more than 50%. 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

Why we like it: 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% 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

Lloyds Bank ISA

Lloyds Bank have a selection of both Cash and Stocks & Shares ISAs, however in addition to seeing what Lloyds Bank ISA plans are available you may want to shop around other providers in addition to Lloyds Bank to try and make sure you get the top deal for the type of ISA you are interested in. You can use the comparison table to compare a selection of different ISAs from various providers and click the links to find out more.

Lloyds Bank Cash ISAs:

  • Cash ISA Saver – Offers a variable rate of interest, paid yearly, for savers who want the flexibility to be able to make unlimited withdrawals on their saving if they need it.
  • 2 Year Fixed Rate Cash ISA – Savers who can lock away their savings for two years can achieve a fixed rate of interest with this particular product. You can access your money but will lose tax free interest on any amount withdrawn so you could get back less than you deposited. Choice of interest being paid annually or monthly.
  • Lloyds Bank Junior Cash ISA – Allows people with parental responsibility to save for a child’s future, or those aged 16 and 17 to save. No withdrawals are allowed until the child turns 18 at which point the account becomes an adult Cash ISA.

Lloyds Bank Stocks & Shares ISAs:

  • Stocks & Shares ISA – Offers a choice of three managed funds, with their own levels of risk. Invest a one of deposit, smaller monthly amount or both.
  • Share Dealing ISA – Gives you the choice to make direct investments in products such as; shares, gilts, bonds and funds. Deal online or by phone in UK and global markets.

About ISAs

There are two different kinds of ISA commonly available; Cash ISAs and Stocks & Shares ISAs these products are considerably different from each other. Each tax year you can open a maximum of one of each of these types of account. Although if you prefer you can just open a Cash or S&S ISA. If you do decide to open both kinds of account you will need to break up your annual ISA allowance between the two accounts, however the split can be at a ratio of your choice for example; using 40% of it in a Stocks & Shares ISA and the using the remaining 60% in a Cash ISA.

  • Cash ISA – This type of product is a type of savings account, however up to your maximum ISA allowance the interest that accumulates on your savings will be paid tax-free. Banks and building societies may offer different types of Cash ISA such as Fixed-rate plans which generally work under the understanding that the savers locks their cash into the product for a predefined period of time and Instant Access accounts which usually allow the saver to make unlimited deposits and withdrawals.
  • Stocks & Shares ISAs: Offer a tax-efficient wrapper you can use to invest in other products like bonds and shares. Providers may offer you a choice of self-select accounts where you directly pick the stocks and shares you invest in or an account that offers you a selection of managed funds to invest in. With Stocks & Shares ISAs you still have to pay tax on dividends however there is no capital gains tax on any profit you make in the ISA within your allowance and income from corporate bonds and gilts is tax free.

ISA Transfer

It is possible to transfer an ISA from one provider to another; as such you may want to occasionally check if there are other best buys that could offer you a better deal. However you may incur an interest penalty for transferring, as such before you make a move to another provider it is worth first checking that any penalty that you would not actually be better off staying with your existing provider. 

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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