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Best ISA Accounts

Compare our latest Cash ISA and Investment ISA ideas

Here we bring you some of our Best ISA Accounts for 2019, including Cash ISAs, Investment ISAs, Innovative Finance ISAs, Junior ISAs and much more...

Investment Growth Plan ISAs

10:10 Plan

from Mariana

Allow ISA Transfers
Maximum Potential Return 12.75% per annum
  • Counterparty: Goldman Sachs International
  • Term: Up to 10 years

Important: 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.

  • Potential early maturity return of 12.75% x the number of years the plan has been active
  • Early maturity if FTSE 100 finishes at least 5% above initial level
  • Alternative option 1 also available offering potential 7.75% pa if FTSE finishes above reference level, decreasing from 102.5% to 82.5% of initial level over term of plan
  • Alternative option 2 also available offering potential 10.45% pa if FTSE finishes at or above start level
  • Potential for early maturity from year 2
  • Available for ISA, ISA transfer and direct investment
  • Capital is at risk if the FTSE 100 Index has fallen by more than 30% at the end of the plan, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £5,000
  • Product designed to be held for the full term

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

FTSE 100 Enhanced Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 10.00% per annum
  • Counterparty: Investec Bank plc
  • Term: Up to 6 years

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.

Important: 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.

  • 10% 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.

Credit Suisse FTSE 100 Defensive Autocall Plan

from Dura Capital

Maximum Potential Return 7.50% per annum
  • Counterparty: Credit Suisse AG
  • Term: Up to 8 years

Important: 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.

  • 7.5% for each year (not compounded) provided the FTSE 100 finishes above autocall level
  • Required autocall level reduces from 100% to to 75% over the term
  • Potential to mature early, from year 2 onwards
  • Available for ISA and direct investment
  • Plan not currently availalable for ISA transfer applications
  • Capital is at risk if FTSE 100 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

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

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.

Investment Income Plan ISAs

FTSE 100 Defensive Income Plan

from Investec

Allow ISA Transfers
Annual Income up to 6.80%
  • Counterparty: Investec Bank
  • Term: Maximum 8 years

If you’re looking for high income, then the ability to receive 6.8% per year even if the FTSE falls almost 20%, could be appealing.

Important: 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.

  • Up to 6.8% per year based on the performance of the FTSE 100 Index
  • Income paid even if Index falls by 20%
  • Quarterly payments
  • Alternative option also available paying up to 5% pa if the FTSE doesn't drop by 40% or more
  • 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

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

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

1 Year Innovative Finance ISA (IFISA)

from Kuflink

ISA Option
Allows ISA Transfers
Interest Rate 5.00% annualised target return
  • Term: 1 Year
  • Invest From: £100

Why we like it: Up to £250 cashback for new investors.1, 3 or 5 year fixed term. Invest from £100 up to £20,000 this tax year (2018/19) and/or transfer in from an existing Cash ISA, Stocks & Shares ISA or IFISA. Secured by UK property. No platform or investment fees. Interest paid annually.

Important: Peer to peer lending is not covered by the FSCS. Returns are not guaranteed and your actual returns may vary. Capital is at risk

  • Up to £250 cashback for new investors
  • Low minimum investment of £100
  • Alternatively transfer your current Cash or IF-ISA
  • 1, 3 or 5 year fixed term
  • Secured by UK property
  • No platform or investment fees
  • Interest paid annually
  • Maximum investment £20,000
  • Returns are not guaranteed and your actual returns may vary
  • Capital is at risk
  • Must be aged 18 or older
  • Peer to peer lending is not covered by the FSCS

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)
Deposit Cash ISAs

The Callable Deposit Plan

from IDAD

ISA Option
Maximum Potential Return 7.00% pa or 2 x FTSE growth
  • Deposit Taker: Goldman Sachs International Bank
  • Term: Up to 7 years

Why we like it: The previous issue of this plan had already proved popular - this latest release offers the potential for 6.5% p.a. interest, along with the same capital protection you would get with a traditional cash deposit.”

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

  • Plan can be ended early by Deposit Taker
  • 1.75% per quarter (7% pa) if plan ends early
  • 2 x FTSE 100 Index growth if plan runs full term
  • Capital protected product*
  • Eligible for the Financial Services Compensation Scheme (FSCS)
  • If plan runs full term returns not guaranteed. You may only receive a return of your original capital
  • Minimum investment £10,000
  • If you withdraw your money during the plan you may get back less than you originally invested

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Important Information: * The return of your initial deposit depends on the ability of the deposit taker (Goldman Sachs) to repay your money. Structured deposits offer you the potential to earn higher returns than you would with a regular savings account. Your returns are based on the performance of an index or commodity. If the investment does not perform well you may receive no income or capital growth, but you can be confident that your capital will be repaid. You have no access to your deposit during the term of the account, typically 3 to 6 years but your original capital will be repaid in full at the end of the term. In the event that the deposit taker is unable to repay your initial investment and any returns stated you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) depending on your individual circumstances.

FTSE 100 6 Year Deposit Plan

from Investec

ISA Option
Maximum Potential Return 42.00% at end of term
  • Deposit Taker: Investec Bank plc
  • Term: 6 years

"This plan offers a potential fixed return of 42%, provided the FTSE 100 Index at the end of the term is higher than its value at the start of the plan (subject to averaging). As with other cash deposits, your capital is also eligible for FSCS* protection.

The 42% return is equivalent to 6.38% compound growth each year, which is well over double the best fixed rate bond, and more than 4% per year higher than the top fixed rate Cash ISA.

The downside is that the return is not guaranteed, and so if the FTSE ends lower, you only get your initial capital back.”

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

  • 42% fixed return if FTSE 100 Index is higher at the end of the term
  • Capital protected product*
  • Eligible for the Financial Services Compensation Scheme (FSCS)
  • Returns not guaranteed. You may only receive a return of your original capital
  • Minimum deposit £3,000
  • Plan designed to be held for full term

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Important Information: * The return of your initial deposit depends on the ability of the deposit taker (Investec Bank plc) to repay your money. Structured deposits offer you the potential to earn higher returns than you would with a regular savings account. Your returns are based on the performance of an index or commodity. If the investment does not perform well you may receive no income or capital growth, but you can be confident that your capital will be repaid. You have no access to your deposit during the term of the account, typically 3 to 6 years but your original capital will be repaid in full at the end of the term. In the event that the deposit taker is unable to repay your initial investment and any returns stated you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) depending on your individual circumstances.

FTSE 100 Kick Out Deposit Plan

from Investec

ISA Option
Maximum Potential Return 5.25% per annum
  • Deposit Taker: Investec Bank plc
  • Term: Up to 6 years

"By offering full capital protection plus a potential 5.25% per year, this plan offers the opportunity to beat low savings rates as well as tackle the effects of rising inflation."

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

  • Opportunity to mature at year 3, 4, 5 or 6 if the FTSE 100 Index is higher than initial level
  • Capital Protected Product*
  • Eligible for the Financial Services Compensation Scheme
  • ISA transfers accepted
  • Short/medium term alternative to fixed rates
  • Minimum single Investment - £3,000
  • This plan is not the same as a bank or building society deposit account and you may not receive your initial deposit in full if your capital is withdrawn early
  • Limited offer - deadlines apply. May close early if oversubscribed

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Important Information: * The return of your initial deposit depends on the ability of the deposit taker (Investec Bank plc) to repay your money. Structured deposits offer you the potential to earn higher returns than you would with a regular savings account. Your returns are based on the performance of an index or commodity. If the investment does not perform well you may receive no income or capital growth, but you can be confident that your capital will be repaid. You have no access to your deposit during the term of the account, typically 3 to 6 years but your original capital will be repaid in full at the end of the term. In the event that the deposit taker is unable to repay your initial investment and any returns stated you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) depending on your individual circumstances.

Investing For Higher Returns

We all have investment goals. But it can be difficult to decide whether you should save or invest to reach them.

Choosing to save usually means putting your money somewhere like a bank, or building society, or even under the bed for something in the short term, like a summer holiday or for a rainy day. Saving in this way is low risk and may pay interest, but your money may not grow much.

If you decide to invest instead, the risk is higher and you could lose some or all of your money, but it may potentially grow more.

The five most common types of investments or asset classes are:

Cash – the money you save in a bank or building society.

Fixed interest – these are often bonds. This involves lending your money to the government or a company who may pay you interest and may eventually repay the loan.

Equities – or company stocks and shares. This has the potential to pay you a share of company profits.

Property – whether commercial or residential, these can be incorporated within a fund.

Alternative Investments – including precious metals and hedge funds.

You can also mix and match these asset classes in an investment portfolio in order to help achieve your goals. This is called diversification.

If you are looking for a diversified portfolio that reduces your exposure to risk of one or more asset classes performing badly then you should consider one of the following services:


Selected Top 2 Investment ISA Ideas For 2019

    1. Vitality Investments ISA - Get an extra 15%. Get boosts every 5 years!

    2. Interactive Investor ISA - Award winning ISA that gives you complete control 


It’s important to understand that the value of your investments can go down as well as up.

So before you invest, you need to consider whether you are in a stable financial position.


Important information - please remember that the value of investments, and any income from them, can fall as well as rise so you could get back less than you invest. If you are unsure of the suitability of your investment please seek advice. Tax rules can change and the value of any benefits depends on individual circumstances.

    Best ISA Accounts

    Looking for the best ISA accounts? When choosing an ISA, it is important to consider:

    • Timescales - If you need access to your money in the short term consider a Cash ISA Account. If you are comfortable locking up capital for the medium to longer term you may wish to consider a Stocks and Shares ISA which has the potential to beating cash over the longer term
    • Attitude to investment risk - If you are not prepared to lose capital then a Cash ISA is probably the better option for you. It is important to remember that over the long term inflation can erode your capital in real terms so getting a good rate of interest on your cash ISA should be a priority. If you are prepared to risk capital to achieve higher potential returns then a stocks and shares ISA should be considered.
    • Charges - different ISA plans will have different charging structures. It is important that you are aware of what these charges are and how they could affect your ISAs performance over time.

    After you have answered the above questions, use our ISA comparison tables on this site to help find a suitable deal. We recommend that you seek financial advice from an independent financial adviser if you are unsure about what you want. ISAs are great ways to save tax efficiently for both lump sum and regular savings - to ensure your get the best ISA for your circumstances invest some time in researching your options.

    Selected Top 2 Investment ISA Ideas For 2019

    1. Vitality Investments ISA - Get an extra 15%. Get boosts every 5 years!

    2. Interactive Investor ISA - Award winning ISA that gives you complete control

High Income ISAs

High income ISA ideas:

ISAs Products

Cash ISAs

Fixed Rate & Instant Access ISAs:

Cash ISAs: 

Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

Latest News

ISA investment platforms - 5 things to consider

10th December 2019

Your £20,000 a year tax-free ISA allowance should be the first investment you consider making every year. But before you choose your ISA you need to choose the platform you’re going to manage it on.

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