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Barclays ISA

Barclays ISAs - Compare ISAs from different providers to find the best way to make the most out of your allowance.
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 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 7% 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
  • 1.75% 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.

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.

Barclays ISA

If you’re looking for a tax advantageous way to save your money you may be wondering what a Barclays ISA has to offer. Barclay’s has a selection of instant cash and fixed rate term ISAs, it is wise to make sure you are getting the most from your annual allowance however so before you decide, you could check out the comparison table below to compare and contrast a selection of top best buys from different providers:

Barclays ISA

Barclays ISAs

  • Barclays Instant Cash ISA – offers a tiered interest system so you more benefit from a higher rate of interest for putting in a larger sum. You can make deposits and withdrawals at any time should you need to. Access through online, mobile, telephone or in branch.
  • Barclays 2 Year Flexible Cash ISA – Offers you a fixed rate of interest for 2 years, while still maintaining the flexibility to make up to 3 free withdrawals of up to 10% of your balance. This account offers a choice of interest of being paid monthly or at the end of the term. You can transfer in existing ISA’s providing your instructions are with Barclays within 30 days of your account being opened.
  • Barclays Investment ISA – This is a Stocks & Shares ISA that allows you to choose to invest in different funds, gilts and bonds.

Types of ISA

There are two types of Individual Savings Account; Cash ISAs and Stocks & Shares ISAs, the two of which vary considerably so it is important to understand their differences. You can only one of each type of ISA each tax year and if you choose to open one of each your annual maximum allowance will still be the same so you will need to decide how to break it up between the two accounts:

Cash ISA: Work essentially the same as a standard savings account, the only difference being the interest you earn on these accounts is tax-free up to your maximum annual allowance. There are a wide range of providers with choices of Fixed Rate, Easy Access and Instant access accounts. Generally speaking the less access to your savings, for the term of the account, an ISA offers the better interest return offered. These types of account are capital protected and covered by the FCSC.

Stocks & Shares ISAs: This type of ISA is a type of investment account, which you can use to pay money into gilts, stocks, shares and bonds. As your investments can go down as well as up, you should understand that your capital is at risk and you could get back less than what you originally invested. Any capital gains you make from investments will be tax-free as will be interest made from interest-giving investments like corporate bonds or gilts. You will still however have to pay tax on dividend income.

Junior ISAs: A Junior ISA is a savings options available for younger people, they are available as either Cash or Stocks & Shares options, they can be opened by an investor aged between 16 and 18 or, for children under 16 by someone with parental responsibility. Money cannot be withdrawn from the account until at least the 18th birthday of the account holder.

ISA transfers:

Transferring an ISA to get a better deal can be a good idea, so it is worth often checking the market to see if better deals are available. While providers have to let you transfer your ISA to a different provider they can impose an interest penalty for doing so. If this is the case before you make the transfer you should work out if when factoring in the penalty you would not earn more interest overall by staying put. 

ISA idea for tax free income

Best ISA Ideas For Growth


The opportunity for a high fixed tax free monthly income.

Maximise your 2017-18 allowance!

Invest from £3,000

Click here for more details...»

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.

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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