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Cash ISAs /

Cash ISA Comparison

Cash ISA Comparison

There are a variety of types of cash ISA available

Easy Access Cash ISAs

30 Day Notice Cash ISA

from Aldermore

Interest Rate (AER) 1.30%
  • Term: Easy Access

'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15. 30 days notice required to withdraw

  • Early withdrawals are permitted subject to loss of interest equivalent to the notice period
  • Open account with £1000

Calculate your interest with this plan

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

35 Day Notice Cash ISA

from Cynergy Bank

Interest Rate (AER) 0.75%
  • Term: Easy Access

Why we like it: Bank of Cyprus UK offer a great Easy Access ISA with a top rate of interest. You are covered by the UK FSCS scheme.

  • Access to funds subject to 35 days notice
  • Open account with £500

Calculate your interest with this plan

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

Instant ISA Saver

from Nationwide

Interest Rate (AER) up to 0.50%
  • Term: Instant Access
  • Instant access
  • 0.30% interest on balances between £1 and £9,999, 0.40% on balances between £10,000 and £49,999, 0.50% on balances of £50,000 and above
  • Minimum deposit £1
  • Open and manage your account online or in branch
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be 16 or older
  • Must be UK resident

Calculate your interest with this plan

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

ISA Saver

from Halifax

Interest Rate (AER) 0.60%
  • Term: Instant Access
  • Tax free ISA account
  • Open with £1 or transfer in existing ISA funds
  • Invest up to £20,000 per tax year
  • Interest paid annually
  • FSCS Protected
  • Must be UK resident
  • Must be aged 16 or older

Calculate your interest with this plan

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

Easy ISA

from Santander

Interest Rate (AER) 0.60%
  • Term: Instant Access
  • Tax free ISA account
  • Open with £1 or transfer in existing ISA funds
  • Invest up to £20,000 per tax year
  • FSCS Protected
  • 0.60% for balances of £40,000 or over, 0.20% for balances under £40,000
  • Must be UK resident
  • Must be aged 16 or older

Calculate your interest with this plan

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

Cash ISA Saver

from Lloyds Bank

Interest Rate (AER) 0.35%
  • Term: Instant Access
  • Tax free ISA account
  • Open with £1 or transfer in existing ISA funds
  • Invest up to £20,000 per tax year
  • Interest paid annually
  • FSCS Protected
  • Must be UK resident
  • Must be aged 16 or older

Calculate your interest with this plan

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

3 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.70%
  • Term: 3 Years

'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15

  • £1,000 minimum opening balance

Calculate your interest with this plan

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

3 Year Fixed Rate Cash ISA

from Cynergy Bank

Interest Rate (AER) 1.60%
  • Term: 3 Years


  • Minimum deposit £500
  • Available to individual applicants aged 16 or over
  • Access to funds before the end of the term is subject to a fee equivalent to six months’ interest

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) 1.60%
  • Term: 2 Year

'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15

2 Year Fixed Rate Cash ISA

from Cynergy Bank

Interest Rate (AER) 1.60%
  • Term: 2 Years


  • Minimum deposit £500
  • Available to individual applicants aged 16 or over
  • Access to funds before the end of the term is subject to a fee equivalent to six months’ interest

Calculate your interest with this plan

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

1 Year Fixed Rate Cash ISA

from Cynergy Bank

Interest Rate (AER) 1.56%
  • Term: 1 Year


  • Minimum deposit £500
  • Available to individual applicants aged 16 or over
  • Access to funds before the end of the term is subject to a fee equivalent to six months’ interest

Calculate your interest with this plan

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

1 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.45%
  • Term: 1 Year

Open a 1 Year Fixed Rate Cash ISA with Aldermore Bank to get a great return. 

Cash ISA Comparison

Although all Cash ISAs sit within the same category there are a wide range of different kinds of Cash ISA offered from a variety of providers. As each eligible person can only open up to one cash ISA each year (although you may be able to transfer) it is wise to first compare the different types on offer from providers to try and find the one which fits how you want to save best.

You can use the tables above to compare a selection of cash ISAs from different providers which might help you decide which could be right for you.

Types of Cash ISA

Instant Access

Instant Access Individual Savings Accounts are designed to allow savers to easily access the funds contained within their cash ISA without incurring any sort of penalty which may prove useful to those who feel they may to make a full or partial withdrawal from their ISA during its term.

Fixed Rate

With a fixed term or rate Cash ISA savers are usually require savers to lock away their savings into the account for a predefined period of time. In return providers will usually offer a fixed rate of interest so you know exactly how much you stand to gain, Fixed Cash ISAs do tend to offer better interest rates than their instant access counterparts but this is not always the case.

Junior Cash ISAs

Junior Cash ISAs are designed to save on the behalf of a young person and have a different annual allowance. Someone with parental responsibility of a child can open a Junior Cash ISA on their behalf; alternatively young people aged between 16-18 may open their own.

Family and friends of the child can deposit money into the ISA for them, which is treated as a gift and is not returnable. However neither the child nor anyone else can make any withdrawals until the 18 th birthday of the child, at which point it changes to their name and they can do with as they wish with the money held in the account.

Other kinds of ISA

Savers are also permitted to open a Stocks and Shares ISA within the same tax year, although they will need to break up their overall ISA allowance between the two accounts so as not to exceed it, stocks and shares ISAs are capital at risk products which means that as the value of your investments can go down you could get back less than you originally invested, however they do also have the potential to offer higher returns.  Find out more about Stocks and Shares ISAs here.

There are also Help to Buy ISAs which are designed to allow individuals to save for the deposit on their first property,  click here to find out more

Important Risk Information:

The value of investments can go down in value as well as up, so you could get back less than you invest. It is therefore important that you understand the risks and commitments. This website aims to provide information to help you make your own informed decisions. It does not provide personal advice based on your circumstances. If you are unsure of how suitable an investment is for you, please seek personal advice.

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

How much can I pay into an ISA?

21st March 2019

Each tax year, there's a limit set by the government to the amount you can save and invest in ISAs: your “annual ISA allowance”. The allowances are intended to reward savers and encourage us to invest more to support our future retirements, without creating a tax haven that can be taken advantage of by very wealthy individuals who just want to avoid paying tax.

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