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RBS ISA

Compare a selection of ISAs from different providers.
Selected ISAs

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

RBS ISA

If you’re trying to find out how to get the most out of your annual ISA allowance, it’s a good idea to shop around the different providers in addition to RBS ISA plans to compare and find the top, best buy product for the type of ISA you want. You can use the comparison table to view selection offerings from different providers and click the links to apply:

RBS ISAs

  • Instant Access Cash ISA – Allows you access to your money instantly with no withdrawal penalties so you can take money out whenever you like. You can add money by a one off payment, standing or simply pay in when you want. It offers a variable rate of interest on a tiered system so by putting more in you could potentially achieve a higher rate of interest.
  • Fixed Rate ISA – Gives you opportunity to earn a fixed rate of interest providing you can lock your savings away for a one or two year term. This account requires a minimum deposit of £1,000. Partial withdrawals and additional deposits are not permitted after the start date. Early closure is possible but will incur an interest penalty equivalent to a set amount of day’s tax-free interest. This plan also features a tiered rate of interest so savers who invest more could potentially receive a better interest rate


  • RBS Stocks and Shares ISA – allows you to invest in shares, funds, gilts and bonds.

Types of ISA

There are two different kinds of ISA available in the UK; Cash ISAs and Stocks & Shares ISA which are considerably different from each other. You can only open one of each kind of ISA each year, however your maximum allowance stays the same regardless of if you only open one kind of ISA or both, this means that if you opt to have both a Cash ISA and a Stocks & Shares ISA you will need to break up your allowance between the two this can be done at a ratio of your choice as long as your limit is not exceeded.

  • Cash ISAs – This type of ISA is essentially the same as any savings account; however the interest you earn on it is tax-free up to your allowance. There are different kinds of Cash ISA’s can be further broken down into different kinds such as Fixed Rate and Easy Access. Generally speaking the less access to make withdrawals a plan offers the better the interest rate this varies by provider however.
  • Stocks & Shares ISAs – Are investment accounts, so they are not investments in themselves. They rather provider a tax-efficient ‘wrapper’ which you can use to invest in other products like stocks. Self-select plans require you to directly choose shares and stocks to invest in; other plans offer a kind of collective investment scheme, where your money is pooled with other investors into funds. These are all capital at risk products, this means that if the value of your investment decreases you could get back less than what you originally put in. This type of account still requires you to pay tax on any dividends however it offers advantages when it comes to Capital Gains Tax and Income Tax.

ISA Transfer

Providers of ISAs must allow you to transfer to another provider; however they can impose interest penalties for doing so. As such while it can be advantageous to move your account if you find a better deal, if your current arrangement has a penalty then before you make a move you should first work out, if factoring in that penalty, you would actually earn more interest overall by staying put.

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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