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Bank of Scotland ISA

Bank of Scotland ISAs - Compare ISAs from a variety of providers
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)
Deposit Cash ISAs

The Callable Deposit Plan

from IDAD

ISA Option
Maximum Potential Return 8.00% pa or 2.5 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 8.0% 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
  • 2% per quarter (8% pa) if plan ends early
  • 2.5 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 (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.

Investment Fund Supermarket ISAs

Interative Investor Stocks & Shares ISA

from Interactive Investor

Allows ISA Transfers
  • Protection Scheme: FSCS
  • Fund Choice: 40,000+ UK and global investments
  • Invest From: £25 pm or £100 single

Why we like it: An award-winning ISA that gives you complete control. The second largest platform in the UK with the widest choice of investment options in the market including funds, investment trusts, ETF’s and more. Open online in less than 10 minutes. Access to expert independent ideas and analysis. Low cost fees and trading. Capital at risk

Investment Growth Plan ISAs

FTSE 100 Enhanced Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 9.60% 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 9.60% annual growth.

  • 9.60% 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.

Bank of Scotland ISA

Bank of Scotland ISA products include both Stocks & Shares ISA and Cash ISA options, so whether you are looking to use one or both types of ISA this tax year they might be the right choice for you. However to make sure you get the most out of your personal allowance you may want to shop around additional providers to try and make sure you find the best buy product for your needs. You can use the table above to view a selection of Individual Savings Accounts from different providers and click the links to apply:

  • Bank of Scotland Cash ISA: Bank of Scotland have a range of Cash ISA plans including; Fixed Rate, Access Cash. So whether you want a product designed to lock your cash away for a set period of time or one with penalty free withdrawals they may have the right plan for you.
  • Bank of Scotland Stocks & Share ISA: Bank of Scotland offer an Investment ISA, that lets you choose between three managed growth funds depending on your attitude to risk and to switch between them if you want to. They also offer a Self-Select Stocks & Shares ISA so you can directly pick where you invest from seven world markets.
  • Bank of Scotland Junior ISAs: Bank of Scotland also offers a Junior Cash ISA and a Junior Investment ISA.

Finding an ISA

It is a good to shop around different ISA plans before you take one out to try and get the most from your maximum. There are two kinds of ISA available in the UK; Cash ISAs and Stocks & Shares ISAs. You can open a maximum of one of each kind of account each tax year and if you choose to open both then you will have to break up your maximum personal allowance between the two as it stays the same.

  • Cash ISAs: Are a type of savings account, much like a normal saver offered by a bank or building society they accrue interest over time, the main difference however that the interest paid to you is paid tax-free. Providers offer different kinds of cash ISA such as fixed rate, easy access and instant access depending on how much access you want to your savings.
  • Stocks & Shares ISAs: Are a kind of investment account that offer a tax efficient wrapper for your investments. You can use this kind of ISA to invest in various other products like bonds and gilts as well as stocks and shares. Some Stocks & Shares ISAs are known as Self-Select that allow you to directly invest in shares and stocks of your choice in various markets, others give you a choice of managed funds with varying levels of risk. While you still pay tax on dividend, you are not charged capital gains or income tax on your investments up to the maximum allowance. It is important to remember that this is a capital at risk kind of product where the value of your investments can decrease meaning you could get back less than you invested.

ISA Transfers

It's possible to transfer your ISAs from one provider to another or from one ISA to another ISA with the same provider. While providers are required to let you transfer out they can impose an interest penalty for doing so, also providers do not have to let someone transfer in their ISA from another provider. 

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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