Homepage /
Best Cash ISA Interest Rates
Best Cash ISA Interest Rates
When trying to find the right Cash ISA for you, shopping around thoroughly to try and find the best cash ISA rates available may help you make your decision, you can use this website to compare a selection of ISAs from different providers.
Choosing an ISA
You can only open up to one, cash ISA in each tax year, although it may be possible to transfer accounts. It is therefore important to try and find the Cash ISA product that best suits the way you wish to save, you may therefore want to considering things such as the minimum required opening balance for different accounts and whether you feel an instant access or fixed-rate ISA would be better for you.
- Instant Access Cash ISAs: Usually allow unlimited, free withdrawals from the account and deposits up to your maximum ISA allowance. This means savers can access their money relatively easy should they decide to use it for other things over the terms of the ISA. These types of account usually offer a variable rate of interest.
- Fixed Rate Cash ISAs: Typically require a saver to lock their money into the account for a predefined period of time. During this period of time savers have very restricted access to the money within the account, some accounts may allow early withdrawals however these types of account tend to impose a penalty, based up a set number of days worth of interest for doing so. In return for locking their cash into the account savers receive a fixed rate of interest, meaning it’s possible to calculate exactly how much they stand earn in interest from the ISA over its course. Fixed-rate ISAs tend be offered on a term of: 1, 2, 3 or 5 years.
Eligibility
In order to be eligible for a Cash ISA you must be:
- Aged at least 16 years old
- A resident of the UK, if you do not live in the UK then you must be either a Crown Servant or the spouse/civil partner of one.
Transfers
You can transfer an ISA at any time, and it is possible to transfer between different types of ISA such as from an Investment ISA to a Cash ISA or vice versa. While all providers are required to allow account holders to transfer out, they can place some restrictions on doing so or impose a penalty of a set amount of times worth of interest for doing so. ISA providers also do not have to allow transfers-in from other accounts, meaning that if you have been thinking of transferring you should first check that the ISA you wish to move to accepts transfers in.
ISA transfers should take no longer than 15 working days for a Cash ISA and 30 working days for a Stocks and Shares ISA.
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.
Stocks & Shares ISAs
Types of Stocks and Shares ISA include:
Stocks and Shares ISAs
Latest News
Is a Stocks and Shares ISA Safe?
19th February 2020
Are you interested in opening a Stocks and Shares ISA, but worried how safe your money would be? Investments can never be a 100% safe bet, but with Stocks and Shares ISAs you are given some protections for your cash.
Newsletter Signup
Sign up to our Newsletter to get exclusive news and offers direct to your inbox.
About us
ISA.co.uk is a trading style of Fair Investment Company.
We've been comparing and recommending ISAs for many years so you can trust you're in good hands.
About usI 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.
The website was very useful and informative.
ISA can be confusing at first and this site includes a useful and helpful introduction into the world of ISAs
Excellent website - clear and helpful information about different products - and a trustworthy partner.
Easy to use website and up to date. Saved the link on my tablet.
Really simple to use and all the information was clear with lots of products available. The interest calculator was really handy too. Have bookmarked and will definitely use again.
This was a really user-friendly site, and was very helpful when it came to comparing accounts and choosing my 2016 ISA.
Easy to use website and up to date. Saved the link on my tablet.
If you wish to invest in an ISA this site has it all. A super comprehensive range of simply explained products from all the major companies.
Very knowledgeble company with an extensive range of services, a great website with loads of useful information.
Nice graphics and easy to navigate
Good advice and professional approach
Very helpful for getting my annual ISA
Clear, concise and very professional outfit with an excellent choice of market leading deals.
ISA.co.uk not only helped narrow down my choices for a Junior ISA but also provided additional practical information that helped demystify the whole process.
Just the site I needed, I have been looking for a suitable ISA for a while, but as there are so many to choose from, find it difficult to find the right one for me.
I found the information on ISA.co.uk very helpful and easy to understand. The site is easy to navigate and find what you're looking for.
I found ISA.co.uk very insightful and easy to navigate through. The content was useful and helped me make my ISA decision.
I thought the information provided was easy to understand and very informative, I would recommend to friends for deffinite.