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Best Cash ISA Accounts

NEW PLAN: Up To 6.5% pa Potential Income

Or 2 x any rise in the FTSE 100 Index, with no upper limit...

“With the best traditional savings rates offering around 2.7% per year, and significantly lower for Cash ISAs, the 

potential for 8% from a plan with full capital protection makes for a compelling headline. The Callable Deposit Plan has only just launched, and offers two potential returns. The first is if the deposit taker decides to 'call' (end early) the plan, which it can do at the end of each quarter after the first year. If it does, you will receive 1.625% for each quarter since the start of the plan, equivalent to 6.5% interest per year (not compounded).

However, If the deposit taker does not end the plan early and it runs the full six years, you will receive 2 times any rise in the FTSE 100 Index over the term of the plan, with no upper limit. For example, if the FTSE rises 10%, you will receive 20%, along with a full return of your initial capital. If the FTSE is lower at the end of the term, you will not receive any interest and only a return of your original capital.

With traditional savings rates failing to inspire, this plan offers the potential for significantly higher returns but without risking your capital.”

Oliver Roylance-Smith, head of savings and investment

This plan is also available as a Cash ISA and accepts ISA transfers. Application deadlines apply.

More Information »

Best Cash ISA accounts

You can only open one Cash ISA each tax year, though you may be able to transfer, as such shopping around thoroughly to try and find the best cash ISA account for your needs can be a good idea. You can use tables on this website to view a selection of different ISAs from various providers, and find out more by following the links.

About Cash ISAs

Tax ISAs work essentially the same as a normal savings account offered by a bank or building society. Savers can deposit up to their maximum ISA allowance into the account which will accumulate on it. The main difference however, is that the interest that accrues on the account is paid tax-free.

When looking for a Cash ISA it is important to consider which would be the best for you, savers should consider things such as how they want to save their money, and if any accounts have minimum deposit requirements.

There are various types of different Cash ISA available to savers depending on how they want to save their money:

  • Instant Access Cash ISAs: Usually permit unlimited free withdrawals from the account and deposits up to the ISA allowance, meaning savers can access their money should they need it at any point over the course of the ISA. These account types are normally offered with variable rates of interest, which means the interest rate on the ISA could change over the course of the ISA.
  • Fixed-Rate ISAs: Are a type of account that usually requires the saver to lock their money into the account for a predefined period of time, without access to it. Some Fixed-rate ISA products do allow withdrawals but there is normally an interest based penalty for doing so. In return for locking savings into the account savers get a guaranteed fixed rate of interest, meaning it’s possible to work out exactly how much they will earn from it. Fixed-rate ISAs are often offered for periods of; 1, 2, 3, and 5 years.


ISA providers are required to allow account holders to transfer out to another ISA, either with the same or a different provider. However, ISA providers do not have to allow transfers in to their ISAs. So if you are looking to transfer you will need to find an account that permits transfers in.

You can transfer between ISA types, so you could for example transfer from a Cash ISA into a Stocks and Shares ISA or vice versa. A cash ISA transfer should take 15 days to complete.

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.

Lifetime ISAs

Save for your first home and retirement

Compare Lifetime ISAs

Junior ISAs

Invest for your child’s future

Compare Junior ISAs: 

Stocks & Shares ISAs

Invest tax-free in stocks and shares 

Compare Stocks and Shares ISAs:

Latest News

5 Considerations for Your Next Investment ISA

15th March 2021

You've decided to invest your savings into a Stocks and Shares ISA. You'll be using your tax-free ISA allowance for this year before the deadline, while also investing your money for your future. But what do you need to consider before opening an account? We've put together a list of our top five considerations for you to think about before you click "apply". 

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23 Reviews


I found the way the different options are presented very clear - much more useful than some other comparison sites. I sent it to my daughter as well.


Very informative, find myself a good ISA account with best return in terms of interest.


Easy to use website and up to date. Saved the link on my tablet.

Rob Holden

The website was very useful and informative.

Andrew Johnson

ISA can be confusing at first and this site includes a useful and helpful introduction into the world of ISAs