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Santander ISAs

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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

Santander ISAs

If you’re looking for a way to earn tax free interest on your savings you may be wondering is a Santander ISA is the right plan for you. Santander has a selection of; Cash ISA’s and Stocks and Shares ISAs. Before you decide however you can check out our comparison table  above to view a selection of the top, best buy individual savings accounts from different providers:

Santander ISA

Types of ISA

There are two chief types of ISA; Cash and Stocks & shares ISA’s under the rules of ISA’s you are allowed to have one of each type for each tax year providing you breakdown your maximum allowance so between the two so as not to exceed it.

Cash Individual Savings Account:

A Cash ISA works fairly similarly to any other savings account, in that you deposit money into the account, which tax-free interest will accrue on and be paid on a set date, this may be on the anniversary of the account being opened, or at another set time. You are not allowed to pay in more than your annual maximum allowance, which is an amount that changes each year. Within the bracket of Cash ISA they can be broken down into further categories for example ‘instant access ISA’s’ which allow you instant access to your savings if you want to make a withdrawal, there are also easy access ISA’s which allow some operations for early withdrawal and ‘Fixed Rate ISA’s’ which work under the understanding that a saver will tie up their money for a set period of time, as a general rule the less access an ISA grants you to your money the better the interest rate it will offer you. Unlike stocks & shares ISAs with a cash option there is no investment risk and your capital is protected under the government backed Financial Services Compensation Scheme.

Stocks & Shares Individual Savings Account:

A stocks and shares ISA is considerably different to a cash ISA. They offer the potential to yield higher earnings than cash ISAs, but your savings are however at risk. They give you the option to put your money into a range of different investments such as; shares, funds, corporate bonds and gilts. You can choose what you would like to invest in. In general Stocks and shares ISA’s are intended to be invested in for between 5 and 10 years. Stocks and shares ISA’s are considered a ‘tax efficient’ way to save rather than tax free. This is because while you get a tax-free allowance for capital gains and interest payments you are still required to pay tax on any dividend income. As the value of your investments can go up as well as down your capital is at risk and you can get back less than what you put in.

Junior ISAs

Junior ISA’s are a tax free savings account for people aged less than 18 years old. You can open a junior ISA for your child if you have parental responsibility, or savers aged between 16 and 18 can open a junior ISA by themselves. No withdrawals or closures are allowed until the child’s 18th birthday.

ISA Transfers

As shopping around with ISA’s to try and get the best interest rates is important, it is also good to consider transferring your ISA at any time to try and insure you get the most out of it. Transferring an ISA can also be a good way to bring your money together to make it easier to manage. All cash ISAs have to allow you to transfer your savings to any other provider but they may impose a penalty for doing so. Providers do not have to allow you to transfer in however. You are allowed to transfer money between a cash ISA and a stocks & shares ISA.

When looking into an ISA transfer you should thoroughly shop around to compare the market and find the best deal. If transferring your ISA would mean you incurred a penalty it is a good idea to work out if you would actually earn more interest staying with your current arrangement. 

ISA idea for tax free income

Best ISA Ideas For Growth


The opportunity for a high fixed tax free monthly income.

Maximise your 2017-18 allowance!

Invest from £3,000

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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.

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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