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Britannia ISA

Compare ISAs to get the most from your annual 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). 

Important: Peer to peer lending is not covered by the FSCS. Returns are not guaranteed and your actual returns may vary. Capital is at risk

  • 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 5.50% 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.”

Important Information: This is a structured deposit plan and is capital protected. 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 this event you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

  • Plan can be ended early by Deposit Taker
  • 1.375% per quarter (5.5% 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.

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.

Important: The value of your investments can rise as well as fall. You may get back less than you invested. If you’re unsure, we recommend you ask for independent advice.

Investment Growth Plan ISAs

FTSE 100 Enhanced Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 10.25% 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 10.25% annual growth.

Important: 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.

  • 10.25% 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.

Britannia ISA

Following their merger Britannia are now part of The Co-operative Bank, As such their ISA offerings are offered through the Co-op. There is not currently a Co-Operative Bank or Britannia Stocks and Shares ISA however they do have Cash ISA products, but before you take out an ISA it is a good idea to shop around to try and find the top deal for the kind of product you want. You can use the comparison table below to compare a selection of ISAs from different providers and click the links to apply:

Co-operative & Britannia Cash ISAs:

  • Britannia 1 & 2 year Fixed Rate ISAs – Savers who can afford to lock away £5,000 or move over one or two years could benefit from a fixed rate of interest on their savings. It is possible to make withdrawals but they will be subject to an interest penalty meaning it is possible you could get back less than you originally put in.
  • Co-op Cash ISA and Online Cash ISA – Offers savers a variable rate of interest on their savings, while maintaining the ability to make unlimited penalty-free withdrawals should they want to.

About ISAs

There are two distinct types of Individual Savings Account: Cash ISAs and Stocks & Shares ISAs. ISA rules allow you to open a maximum of one of each type of ISA each tax year, however you can open just one type of account if you prefer, if you do opt to open both kinds of ISA then you will need to break up your ISA allowance between the two accounts, you can choose at what ratio you do so E.g. 70% in a Cash ISA and using the remaining 30% for a Stocks & Shares ISA.

  • Cash ISAs – Are a type of savings account where up to your maximum allowance any interest you earn on the account is paid tax-free. There are different kinds of Cash ISA offered by various providers such as; Fixed Rate accounts and Instant Access Accounts. Before you take out this kind of ISA it is therefore important to look at the different features of these accounts and consider which one would suit your needs best.
  • Stocks & Shares ISAs – Are a type of tax-efficient investment account you can use to put money into other investments like; gilts, bonds, shares and stocks. It is important to remember that with these types of investment you could get back less than you originally put in if their value decreases. There are self-select plans which allow you to directly invest in stocks and shares or options where you get a choice of managed funds to invest in. With this kind of ISA you do not have to pay income tax or capital gains tax from increase in value of your investments however you are still taxed on dividends.
  • Junior ISAs – Are a type of Individual Savings account intended to save for a child’s future, there is both Junior Stocks & Shares ISAs as well as Junior Cash ISAs. The money held in these accounts cannot be accessed until the child turns 18 at which point it rolls over to a normal ISA and they can do what they like with it.

ISA Transfers

It is possible to transfer an ISA from one provider to another; however some ISAs will impose an interest penalty for doing so. 

ISA idea for tax free income

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The opportunity for a high fixed tax free monthly income.

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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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Jen

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