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Income ISAs

Compare Income ISAs
Selected ISAs

Moneybuilder Income

from Fidelity

Allows ISA Transfers
Regular Savings
  • Fund Choice: Popular corporate bond fund that pays a monthly income. Manager Sajid Vaid believes investment grade (high quality) company bonds may be the ‘sweet spot’ in the fixed income market, delivering modest income while keeping risks in check. Capital at risk.
  • Invest From: £25 pm

Multi Manager High Income

from Hargreaves Lansdown

Allows ISA Transfers
Regular Savings
  • Fund Choice: HL blend their favourite equity income funds to provide investors an investment which aims to deliver long term returns & reliable monthly income. Capital at risk.
  • Invest From: From £25

Monthly Distribution

from Artemis

Allows ISA Transfers
Regular Savings
  • Fund Choice: High income yield fund suitable for long term investors drawing regular monthly income from their portfolios. Capital at risk.
  • Invest From: £25 pm

Listed Equity Income

from AVIVA Investors

Allows ISA Transfers
Regular Savings
  • Fund Choice: Aims to provide a dividend yield above the FTSE All-Share Index. Invests in UK equities judged to offer high yield, above average prospects of dividend growth and long-term capital growth. Income paid twice yearly. Capital at risk.
  • Invest From: £25 pm

Asian Income

from Jupiter

Allows ISA Transfers
Regular Savings
  • Fund Choice: The fund aims to pay an attractive quarterly income and grow your investment by investing in shares of companies based in Asia & the Pacific region. Capital at risk.
  • Invest From: £25 pm

Global Equity Income

from JP Morgan

Allows ISA Transfers
Regular Savings
  • Fund Choice: This fund portfolio is designed to achieve high and rising income by investing globally, primarily in equities, in any economic sector whilst participating in long term capital growth. Capital at risk
  • Invest From: £25 pm

Property Income

from Picton

Allows ISA Transfers
Regular Savings
  • Fund Choice: This Real Estate Investment Trust which invests in UK commercial property pays investors a quarterly dividend. Capital at risk.
  • Invest From: £25 pm
Investment Income Plan ISAs

UK Quarterly Contingent Income Plan

from MB

Allow ISA Transfers
Annual Income Up to 4.20%
  • Counterparty: Barclays Bank plc
  • Term: Up to 6 years
  • Potential quarterly income: 1.05% (equivalent to 4.2% annually)
  • Income paid even if FTSE 100 falls by 25%
  • Potential to kick out quarterly from year 1 onwards if FTSE at or above initial level
  • Available for ISA, ISA transfer and direct investment
  • Capital is at risk if the FTSE 100 Index has fallen by more than 35% at the end of the plan, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £5,000
  • If you withdraw your money early you may get back less than you originally invested
  • An arrangement fee applies to this plan

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.

What is an income ISA?

An income ISA is a way of using your ISA allowance that aims to provide you with a regular tax-efficient income payment on your investment or savings. Income may be paid on a quarterly, semi-annual or annual basis, so you can choose an option to suit your savings goals.

Every eligible person has an ISA allowance. You are permitted to invest all or part of this amount in an investment ISA, all in a cash ISA, or some in a cash ISA and the remainder in stocks and shares.

A stocks and shares income ISA might be for you if…

  • You want to use your ISA allowance to maximize your potential for investment returns, especially at this time of low interest rates. The money you invest in an income ISA offers tangible tax savings. You pay just 10% tax on any income from your investments, regardless of your tax bracket.
  • You have substantial savings - i.e. in excess of £10,000 - to transfer into the ISA. Capital gains are 100% tax-free, which is a real advantage if you want to hold shares and increase your ISA amount over the long term.
  • You're looking to invest for the medium to long term - investment-based accounts generally perform better over time than cash-based accounts, but to achieve this it's likely you'll need to leave your money untouched for at least a minimum period of one year.
  • You're saving with your retirement in mind. Many people use their yearly ISA allowance to invest in shares that can then be sold in the future to buy income funds - the result of which can be a tax-free income during retirement. In fact, recent data shows that savers are now putting more money into ISAs than into pension schemes.

A cash income ISA might be for you if…

  • You want a completely tax-free savings account - you pay no tax at all on the interest you earn in a cash-based income ISA.
  • You're not confident about investing in stocks and shares and want to avoid some of the potential issues, such as fluctuating market.
  • You want to combine a straightforward, tax-free cash savings account with the benefit of regular income payments.

An income ISA might not suit you if…

  • You're only saving for a short-term goal, such as a holiday. Because the income on your ISA pays out at regular intervals - for example, once a year - you may miss out on the benefits of this if you withdraw earlier. If you do decide to use an income ISA for a short-term savings goal, make sure you choose one that pays out income at more frequent intervals, such as once every quarter.
  • Your first priority is to establish an emergency fund that you can easily access if something unexpected occurs. In this case, an instant access cash ISA might be more suited to your requirements.

Whatever kind of ISA you are interested in, as there are a wide range of products, it is worth shopping around to try and find the one that fits your specific needs best. You can view a selection of different kinds of ISAs by using the comparison tables on this website.

Three funds for a Stocks and Shares ISA

Stocks and Shares ISAs are a popular way for people to invest for their future.

If you’re looking for inspiration on where to invest your ISA this tax year, take a look at our latest investment ideas.

Download your copy to discover three funds, including:

  • A total return fund
  • A global income fund
  • A responsible investing fund

Click here to get your FREE guide from Hargreaves Lansdown »

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.

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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