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Investment ISAs

Latest investment ideas for your ISA
Selected ISAs

Stocks & Shares ISA

from Legal & General

Allows ISA Transfers
Regular Savings
  • Fund Choice: Managed, Tracker, Self-Select
  • Invest From: £20 per month or £100 single

Why we like it: Legal & General has over 9 million customers in the UK, and over £1trillion of assets under their management (as at 31st December 2018). Their Stocks & Shares ISA offers a wide range of investment options, whether you want ready-made funds, low cost index trackers, or the ability to pick your own. You can invest up to £20,000 this tax year, with a low minimum of £100 lump sum or £20 per month, and you can manage your account easily online. Please remember the value of your investment and any income from it may fall as well as rise and is not guaranteed. You may get back less than you invest.

Peer to Peer Lending ISAs

Classic Innovative Finance ISA (IFISA)

from easyMoney

ISA Option
Allows ISA Transfers
Interest Rate 7.28% annualised target return
  • Term: No Fixed Term
  • Invest From: £10000

Why we like it: Invest up to £20,000 this tax year and/or transfer in from an existing Cash ISA, Stocks & Shares ISA or IFISA. When you join the easyMoney family you will automatically become an easyMoney plus card member, offering savings up to 55% at over 100 of Britain’s biggest retailers and more! e-Money Capital Ltd trading as easyMoney is authorised and regulated by the FCA (FRN 231680). As with all investing, your capital is at risk when you lend to businesses and returns are not guaranteed. No FSCS. For more details please refer to our full risk statement.

  • 7.28% TAX-FREE through the Balanced Innovative Finance ISA
  • Minimum investment of £10,000
  • Secured by UK property
  • Maximum 75% loan to value
  • Buffer of 25% should the value of a property fall
  • You will automatically become an easyMoney plus card member, offering savings up to 55% at over 100 of Britain’s biggest retailers and more!
  • Also accepts ISA transfers from previous year's ISA's
  • As with all investing your capital is at risk when you lend to businesses. easyMoney reduces this risk by taking security over property
  • 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)

Premium Innovative Finance ISA (IFISA)

from easyMoney

ISA Option
Allows ISA Transfers
Interest Rate 4.05% annualised target return
  • Term: No Fixed Term
  • Invest From: £1000

Why we like it: Invest up to £20,000 this tax year and/or transfer in from an existing Cash ISA, Stocks & Shares ISA or IFISA. When you join the easyMoney family you will automatically become an easyMoney plus card member, offering savings up to 55% at over 100 of Britain’s biggest retailers and more! e-Money Capital Ltd trading as easyMoney is authorised and regulated by the FCA (FRN 231680). As with all investing, your capital is at risk when you lend to businesses and returns are not guaranteed. No FSCS. For more details please refer to our full risk statement.

  • 4.05% TAX-FREE through the Conservative Innovative Finance ISA
  • Minimum investment of £1,000
  • Secured by UK property
  • Maximum 65% loan to value
  • Significant buffer of 35% should the value of a property fall
  • you will automatically become an easyMoney plus card member, offering savings up to 55% at over 100 of Britain’s biggest retailers and more!
  • Also accepts ISA transfers from previous year's ISA's
  • As with all investing your capital is at risk when you lend to businesses. easyMoney reduces this risk by taking security over property
  • 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)

Peer to Peer IF ISA

from RateSetter

ISA Option
Interest Rate Up to 5.50% annualised expected return
  • Term: Easy Access, 1 Year or 5 Years
  • Invest From: £10

Why we like it: New investor offer: £100 bonus when you invest £1000+ for a year. Ts & Cs apply. Peer to Peer IF ISA tax free investment. Capital and interest is only paid at the end of loan term in 2 out of the 3 markets – in the 5 year the interest is repaid in line with the investment repayment. Access your money early if funds available in market to replace withdrawal. Provision fund provides buffer against credit losses (not a guarantee). Peer to peer lending is not covered by the FSCS. Capital at risk.

     
  • Innovative Finance ISA - all earnings are tax free
  • Choice of three markets: Rolling, 1 Year or 5 Year
  • Annualised average target return of between 3.50% and 5.50%
  • Capital and interest is only paid at the end of loan term in 2 out of the 3 markets – in the 5 year the interest is repaid in line with the investment repayment
  • Access your money early if funds available in market to replace withdrawal
  • Provision fund provides buffer against credit losses
  • Must be aged 18 or older
  • RateSetter IF ISA is an investment, not a deposit account
  • Provision fund is not a guarantee
  • 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)
Investment Income Plan ISAs

FTSE Monthly Contingent Income Plan

from Meteor

Allow ISA Transfers
Annual Income Up to 7.20%
  • Counterparty: Citigroup
  • Term: Up to 10 Years

With the current record low interest rate environment, income is high up on the agenda for many investors and so the ability to receive 7.2% per year even if the FTSE falls by up to 15%, is certainly worth a closer look.

  • Potential monthly income: 0.60% (equivalent to 7.20% annually) if the FTSE doesn't drop by more than 15%
  • Income paid even if FTSE 100 falls by 40%
  • Alternative options also available paying up to 4.8% pa if the FTSE doesn't drop by more than 35%, or 5.7% pa pa if the FTSE doesn't drop by more than 25%
  • Potential to kick out quarterly from year 2 onwards
  • Available for ISA, ISA transfers and direct investments
  • Capital is at risk if the FTSE 100 Index has fallen by more than 35% at maturity from it's initial level, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £5000
  • An arrangement fee applies to this plan
  • 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.

FTSE 100 Defensive Income Plan

from Investec

Allow ISA Transfers
Annual Income up to 6.40%
  • Counterparty: Investec Bank
  • Term: Maximum 8 years

If you’re looking for high income, then the ability to receive 6.40% per year even if the FTSE falls almost 20%, could be appealing.

  • Up to 6.40% 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 4.80% 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.

UK Conditional Quarterly Autocall Plan

from Hilbert

Allow ISA Transfers
Annual Income up to 7.00%
  • Counterparty: Citigroup
  • Term: Maximum 10 years
  • Up to 7.0% per year based on the performance of the FTSE 100 Index
  • Income paid even if Index falls by 20%
  • Quarterly payments
  • Plan can kick out after year two if Index risen by 5% 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 £5,000
  • 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.

Investment Growth Plan ISAs

10:10 Plan

from Mariana

Allow ISA Transfers
Maximum Potential Return 13.47% per annum
  • Counterparty: Goldman Sachs International
  • Term: Up to 10 years
  • Potential early maturity return of 13.47% 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 8.20% 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 10.94% 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 9.25% 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 9.25% annual growth.

  • 9.25% 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.

Citi FTSE 100 Defensive Autocall Plan

from Dura Capital

Maximum Potential Return 6.85% per annum
  • Counterparty: Citigroup
  • Term: Up to 8 years
  • 6.85% 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.

Investec/Lowes 8:8 Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 6.70% per annum
  • Counterparty: Investec Bank Plc
  • Term: Up to 8 years
  • 6.70% for each year (not compounded) provided the FTSE 100 finishes at or above above 92% of intitial level
  • Potential to mature early every 6 months, from year 2 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

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.

FTSE 100 Step Down Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 6.50% per annum
  • Counterparty: Investec Bank Plc
  • Term: Up to 6 years
  • 6.5% for each year (not compounded) provided the FTSE 100 finishes above kick out level
  • Required kick out level reduces from 100% to to 80% over the term
  • Potential to mature early, from year 2 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.

FTSE 100 Defensive Step Down Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 5.50% per annum
  • Counterparty: Investec Bank Plc
  • Term: Up to 6 years
  • 5.5% for each year (not compounded) provided the FTSE 100 finishes above kick out level
  • Required kick out level reduces from 100% to to 65% over the term
  • Potential to mature early, from year 2 onwards
  • Available for ISA, ISA transfer and direct investment
  • Capital is at risk if the FTSE 100 Index falls by more than 40% at end of the term, 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.

Deposit Cash ISAs

The Callable Deposit Plan

from IDAD

ISA Option
Maximum Potential Return 6.50% 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.”

  • Plan can be ended early by Deposit Taker
  • 1.625% per quarter (6.5% 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.


    Best seller from 2018 offering potential 6.4% pa

     “It would seem the best way to kick off the New Year would be to take a closer look at our most popular plan from 2018, especially since the headline interest rate on offer is as high as it’s ever been before.

    The plan has a maximum term of 8 years, but also offers the opportunity to receive your initial capital back in full before then, if the FTSE has risen by more than 5% at the end of each year, from year 2 onwards. If the plan does not end early, your initial capital is returned in full provided the FTSE has not fallen by more than 40% at the end of the plan term. If it has, your capital will be reduced by 1% for each 1% fall, so your capital is at risk.

    There is also a second option paying 5.1% per year interest (1.2% per quarter) unless the FTSE falls 40%, and so whether you are defensive, or ‘super defensive’, the plan still offers the opportunity for high interest.”

    More details  »


    Monthly Income Plan Offer...

    Is inflation really a factor when deciding what level of income you would like to achieve from your capital?

    Or perhaps it is the combination of the potential income and the possibility of any capital growth or decline in value that is our benchmark? Either way, how much income an investment might generate, when you might get paid, and the potential risk to your capital, would seem to be the obvious considerations when assessing any sort of income producing investment. And whilst inflation remains at a five year high of 3%, it is likely that if it wasn’t on your radar already, it is now.

    Against this challenging economic environment, we take a look at the latest edition of  Meteor’s FTSE Monthly Contingent Income Plan, which offers the potential to receive a high level of income that could counter the adverse effects of inflation over the medium term.

    Plan summary

    The Meteor FTSE Monthly Contingent Income Plan gives investors the chance to receive a monthly income of up to 0.45%, which equates to 5.4% annual interest. 

    Investors receive the opportunity for income payments each month, and the plan has a fixed term of 10 years.

    Although the plan is designed to continue for the full 10 years, it also has the ability to mature before the full term (known as ‘kicking out’) at the end of each quarter from year 2 of the plan onwards.

    FTSE linked

    The plan has the potential to provide 5.4% interest each year, but whether an income payment is made or not is dependent on the performance of the FTSE 100 Index (‘the Index’ or ‘the FTSE’). In addition to the level of income achieved, the performance of the FTSE also determines the treatment of your initial capital at the end of the investment term.

    The FTSE 100 Index tracks the share prices of the 100 largest companies listed on the London Stock Exchange, and is widely recognised as the proxy benchmark for most investment managers, especially those investing predominantly in UK equities.

    Potential for high interest

    The latest version of the plan offers investors the opportunity to receive a monthly return of 0.45% (5.4% annually), provided the value of the FTSE 100 Index at the end of the month has not fallen by more than 40% below its level at the start of the plan. 

    Therefore, provided the FTSE stays at or above 60% of its starting level for the entire year, then the annual return on the investment would 5.4%, which is double the current rate of inflation (2.4% as at March 2018).

    Some capital protection from a falling market

    In addition to the amount of income paid, the treatment of the investor’s original capital is also dependent on the performance of the FTSE, and so this investment puts your capital at risk.

    The plan does offer some capital protection from a falling market since your initial investment will only be reduced if, at the end of the plan, the FTSE has dropped by more than 40% below its value at the start of the plan.

    Therefore, the FTSE could fall by up to 40% of its starting value and the invested capital will still be returned in full. But if the FTSE falls by more than this, the invested capital is reduced by 1% for each 1% fall.

    For example, if the FTSE fell by 41% then the investor would lose 41% of their capital. You should therefore only consider this investment if you are prepared to lose some or all of your initial investment.

    Kick out (early maturity)

    Although the plan has a maximum term of 10 years, after 2 years it has the ability to “kick out” or mature early every quarter. This feature is also dependent on the performance of the FTSE, as the plan will only mature early if the Index has risen by 5% or more above its value at the start of the plan.

    In the event that the plan does mature early, the initial investment is returned in full along with a final monthly income payment, at which point the plan comes to an end.

    Monthly Payments

    The plan offers the potential for an income payment each month, dependent on the closing level of the FTSE on the relevant monthly measurement date.

    The monthly return of 0.45% will be paid to the investor if the Index is at or above 75% of its level at the start of the plan. Therefore, the FTSE can fall up to 40% and income will still be paid. If the FTSE falls more than 40%, no income is paid for that month, and the next opportunity to receive income would be the next monthly measurement date.

    Defined risk and defined returns

    One of the reasons investment plans such as these are popular with our investors, is that the potential returns are stated up front, whilst the investor also knows at the outset in what circumstances their capital is at risk.

    These defined returns for a defined level of risk, allow potential investors to weigh up whether they are prepared to put their capital at risk in return for the potential monthly interest on offer.

    ISA friendly

    As well as non-ISA investments, this income investment is available as a new ISA up to the current limit of £20,000, and also accepts transfers from both Cash ISAs and Stocks & Shares ISAs.

    Our conclusion

    Commenting on the plan, Oliver Roylance-Smith, head of savings and investment at ISA.co.uk, said:

    “With inflation rapidly becoming a thorn in every investor’s side, not least those seeking an income from their capital, the ability to achieve up to twice the current rate of inflation, even if the FTSE falls up to 40%, is certainly worth a closer look. Combined with some capital protection against a falling stock market, and the defined returns, defined risk on offer could be appealing for a wide range of investors.”

    Click here to view the Meteor FTSE Monthly Contingent Income Plan »

    No news, feature article or comment should be seen as a personal recommendation to invest. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment. If you are at all unsure of the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.

    Tax treatment of ISAs depends on your individual circumstances and is based on current law which may be subject to change in the future. ISA transfer charges may apply, please check with your provider.

    This is a structured investment plan that is not capital protected and is 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. 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 addition, you may not get back the full amount of your initial investment if the plan is not held for the full term. The past performance of the FTSE 100 Index is not a guide to its future performance.


    What is a stocks and shares ISA?

    Unlike a cash ISA - which is a straightforward tax-free savings account - a stocks and shares ISA allows you to invest money up to a certain amount without paying tax. This runs from 6 th April each year, check the main page to see the current ISA maximum allowance.

    A stocks and shares ISA allows you invest your tax-free allowance while only paying 10% tax on any investment income you make. This can add up to a substantial saving when you consider that, on dividends paid on a non-ISA investment, an additional rate taxpayer would have to part with 42.5% in tax.

    You have a variety of options when it comes to using your stocks and shares ISA allowance. You can:

    • Invest your full ISA allowance in a stocks and shares ISA.
    • Use your stocks and shares ISA allowance for shares - excluding shares traded on the Alternative Investment Market (AIM) - unit trusts, investment trusts, open-ended investment companies (OEICs), life insurance policies, corporate bonds, and gilts.

    Are you ready to invest in a stocks and shares ISA?

    A stocks and shares ISA, as with all investments, involves an element of risk, so it's important that you're in a sufficiently stable financial position. Before you open a stocks and shares ISA, make sure that:

    • Your debts are under control - you've either paid them off or have affordable arrangements in place to do so.
    • You have emergency savings that you can access easily if something unexpected occurs - if your car breaks down or you're made redundant, you'll need savings that you can use straight away.

    If you're very new to saving and don't yet have a basic emergency fund, you may find that a cash ISA is more suitable for you at this stage. Once you've built up some accessible savings in this way, you might then want to consider a stocks and shares ISA, too.

Top ten things to consider when choosing a stocks and shares ISA

  • You should be prepared to invest for the medium to long term with a stocks and shares ISA - for example, for five years or more.
  • If you think you might require access to your cash in the next couple of years, a stocks and shares ISA may not be the right choice for you. Share prices can be very variable - especially in the current financial climate - and so if you were to withdraw your investment in the next twelve to eighteen months, you could end up with less money than you started with.
  • Different stocks and shares ISAs have different investment options. These range from £50 per month (e.g. through a fund) to a specified minimum investment (e.g. £1,000).
  • Some ISA providers will give you online access to your account, allowing you to see the investment performance of your ISA and keep up to date with any charges incurred.
  • If your stocks and shares ISA isn't performing as well as you'd like, you will usually be permitted to transfer it another provider. To do this, speak to your new ISA manager who will arrange the transfer, allowing you to avoid losing any tax benefits by withdrawing your cash.
  • You can transfer shares you get from an HMRC-approved SAYE (save as you earn) scheme run by your employer, or a share incentive plan, into a stocks and shares component of an ISA without incurring capital gains tax, up to your annual ISA allowance.
  • You will not be able to transfer any existing non-ISA shares, or shares you've inherited, into a stocks and shares ISA.
  • With a stocks and shares ISA, there is greater long-term growth potential than a cash ISA - however, bear in mind that the value of your investment can go down as well as up.
  • If you have a stocks and shares ISA from a previous tax year, you're permitted to move this into a current stocks and shares ISA or split it between more than one 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.

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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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Very knowledgeble company with an extensive range of services, a great website with loads of useful information.

Anonymous

Nice graphics and easy to navigate

Dr Alan Rogan BSc PhD FCIOB FCABE Eur Ing

Good advice and professional approach

Razvan

Very helpful for getting my annual ISA

Jonny Doulton

Clear, concise and very professional outfit with an excellent choice of market leading deals.

Paul Tissington

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.

Sunil Karadia

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.

James Weatheritt

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.

Lisa Holden

I found ISA.co.uk very insightful and easy to navigate through. The content was useful and helped me make my ISA decision.

Neta Pourhosseini

I thought the information provided was easy to understand and very informative, I would recommend to friends for deffinite.