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Compare Clydesdale Bank ISAs

Compare ISAs from Clydesdale Bank and other ISA options available.

Investment ISAs put your capital at risk & you may get back less than you originally invested

What you're looking for isn't available; however, these brands may offer suitable alternatives

Stocks & Shares ISA

from Nutmeg

Allows ISA Transfers
  • Fund Choice: Nutmeg offer 4 diversified portfolios with ETFs, using technology to keep charges low.
  • Invest From: Min. £500 single

Stocks & Shares ISA

from AJ Bell

Allows ISA Transfers
Regular Savings
  • Fund Choice: Wide range of stocks and shares, over 2,000 funds (unit trusts and OEICs), investment trusts and ETFs. Capital at risk.
  • Invest From: £25 pm

Stocks & Shares ISA

from Interactive Investor

Allows ISA Transfers
Regular Savings
  • Fund Choice: Access 40,000+ UK, US and international shares on 17 global exchanges. Choose from over 3,000 funds. Special offer: Open an ISA with £1,000 or more before Sunday and be in with a chance to win £100 of free trades. New customers only. Terms apply. Capital at risk.
  • Invest From: £25 pm
See Deal Special offer: Transfer an ISA worth £10,000 or more before 30 June and get £100 cashback. New customers only. Terms apply. Capital at risk.

Stocks & Shares ISA

from Hargreaves Lansdown

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from over 3,000 funds, shares, investment trusts and more to build your portfolio. Capital at risk.
  • Invest From: £25 pm or £100 lump sum

Stocks & Shares ISA

from Best Invest

ISA Option
Allows ISA Transfers
Regular Savings
  • Fund Choice: Over 2,500 funds, UK shares, investment trusts and ETFs or choose Ready Made & Managed Portfolios
  • Invest From: No minimum

Stocks & Shares ISAs

from Fidelity

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from over 4,000 investment options, including one of the widest fund ranges in the UK. With online guidance tools and expert fund ideas to help you choose. Capital at risk
  • Invest From: £25 pm

Stocks & Shares ISA

from Fineco

Allows ISA Transfers
  • Fund Choice: A complete multi-currency platform with low fees. Premium trading without premium prices. Choice of worldwide asset managers.
  • Invest From: £100
See Deal Zero Platform Fees - Until the end of the 2022/23 tax year if you open your ISA by 30 April 2022. 0.25% max when promo ends.

Stocks & Shares ISA

from Wealthify

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose your risk profile and have an investment Plan built and managed for you.
  • Invest From: £1

Stocks & Shares ISA

from Shepherds

Allows ISA Transfers
Regular Savings
  • Fund Choice: Invest in the Shepherds With Profits Fund which offers medium to low risk investing, with the aim of growing your money in a smooth manner over the long term.
  • Invest From: £30 pm

Stocks & Shares ISA

from Moneyfarm

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose your risk profile and have it matched to an investment portfolio expertly built and managed.
  • Invest From: £1,500
See Deal Up to £400 for all new users that create an account until the end of April

Stocks & Shares ISA

from InvestEngine

Allows ISA Transfers
Regular Savings
  • Fund Choice: Offering commission-free DIY investing or low-cost, professionally managed income or growth portfolios built for you
  • Invest From: £100

My Choice ISA

from Scottish Friendly

Allows ISA Transfers
Regular Savings
  • Fund Choice: A choice of 10 funds so you can pick those that best suit your needs, whether that is just one, a mixture of all 10 or somewhere in between.
  • Invest From: £10pm

Stocks & Shares ISA

from Beanstalk

Allows ISA Transfers
  • Fund Choice: Choose from two funds: a cash fund that aims to provide returns in line with money market rates and a shares fund that aims to track the performance of global stock markets.
  • Invest From: £10

Stocks & Shares ISA

from Willis Owen

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from a wide range of funds, shares, investment trusts and ETFs. Tax treatment depends on the individual circumstances of each client and may be subject to change in the future.
  • Invest From: £25

Investment ISA

from Barclays Smart Investor

Allows ISA Transfers
Regular Savings
  • Fund Choice: Invest in over 2,000 funds, plus Exchange Traded Funds, Investment Trusts, Shares and more. 5 Ready-made Investment funds if you’re not sure where to invest. Capital at risk.
  • Invest From: Any amount

Who are Clydesdale Bank?

Clydesdale Bank are one of the three major Scottish Banks, and their history dates back to 1838 when they formed in Glasgow.

In 2018, Clydesdale Bank’s holding company, CYBG, acquired Virgin Money, and it was announced they would use Virgin Money’s branding from 2019 onwards.

Today, most of their financial services come under the Virgin Money brand umbrella, including their ISA accounts.

This means that Clydesdale Bank no longer offer ISA accounts directly themselves.

What is an ISA?

ISA accounts are tax-free savings and investment accounts.

There are two main types of ISA accounts: Cash ISAs and Stocks and Shares ISAs.

Cash ISAs are designed for cash savings that generate a return of interest on your balance.

Stocks and Shares ISAs are investment accounts that enable you to invest in the stock market with your savings.

What are the tax advantages of an ISA?

There are two types of tax that you don’t have to pay in an ISA:

Income Tax

You normally pay income tax on:

  1. Interest earned in a cash savings account
  2. Dividends received from stocks and shares investments

Capital Gains Tax

You normally pay capital gains tax on:

  1. The growth of your stocks and shares holdings when you come to sell them

Within an ISA account, your savings are completely sheltered from the above taxes and you never need to worry about declaring or paying them.

What can you invest in with a Stocks and Shares ISA?

In a Stocks and Shares ISA, you can either pick your investments yourself or invest in a ready-made ISA portfolio managed by professionals.

If you are selecting your own investments, here are our top 3 types of Stocks and Shares assets to invest in:

  • Shares – shares of individual publicly traded companies
  • Managed Funds – come in the form of OEICs, Unit Trusts and Investment Trusts: these are investment funds that spread your investment across multiple companies within a specific sector
  • ETFs – Exchange Traded Funds are tracker funds designed to replicate the performance of a specific index, market or sector

Creating your own Stocks and Shares ISA portfolio can be a daunting task. However, if you put in the research, it can be rewarding compared to the potential returns available through Cash ISA savings.

But remember, your investments can fall as well as rise in value so you could lose money in a Stocks and Shares ISA.

If you are new to investing, then you could consider investing in a ready-made ISA portfolio instead.

Ready-made ISA portfolios:

Ready-made ISA portfolios are usually graded by risk level, from cautious and defensive portfolios to adventurous and higher risk options.

Generally, the higher risk a portfolio, the more it will fluctuate both up and down in value.

Ready-made ISAs diversify your investments instantly and are managed on a day-to-day basis by investment professionals; however, your investments can still fall in value and it’s important to be aware of the risks before you invest.

What can you invest in with a Cash ISA?

Cash ISAs keep your savings as cash, so they can’t fall in value and you earn interest on your balance.

There are two main rates of interest that Cash ISAs pay, fixed rates and variable rates.

Fixed-Rate Cash ISAs:

  1. Earn a guaranteed rate of interest for the duration of your fixed term
  2. You can’t make withdrawals before the end of your fixed term
  3. If you do withdraw, you are charged or lose a chunk of the interest you’ve earned
  4. The longer your fixed term, the higher interest rates on offer

Variable-Rate Cash ISAs:

  1. Earn a variable rate of interest on your cash savings
  2. Variable interest rates are generally lower than fixed-rate options
  3. You are not locked into a fixed term and can usually withdraw any time, free of charge

What are the essential ISA rules?

Although ISA accounts are fairly simple products, there are a few rules to be aware of before investing.

Here are the most important ones:

  • You have an annual ISA allowance of £20,000 for the current tax year, so you can’t add more than this to ISAs this year
  • You can split your allowance between Cash and Stocks and Shares ISAs
  • You are not allowed to contribute to more than one Cash or Stocks and Shares ISA in the same tax year
  • You are allowed to contribute to more than one Cash or Stocks and Shares ISA across separate tax years
  • You are allowed to transfer your existing ISAs to a new ISA and it won’t use up any of your ISA allowance
  • Your ISA allowance doesn’t roll over each year, so you lose what you don’t use

Who can open an ISA account?

Any UK resident over the age of 16 is eligible to open an ISA account, although some providers require you to be 18.

How do I open an ISA account?

Most ISAs can be opened online, over the telephone, by post, and some even in branch.

The easiest way to open an ISA is online, as the process is simple and can be completed in a matter of minutes.

To add money to your ISA, the most common method is to make a debit card payment or to set up a direct debit for a regular contribution.

Sam Hodgson
Edited by Sam Hodgson - ISA.co.uk

Frequently Asked Questions

No. You can switch providers with an ISA transfer if you wish. You can also contribute to other ISA providers in separate tax years.

No, ISA stands for Individual Savings Account and must be solely owned for tax purposes.

You can lose money in a Stocks and Shares ISA if your investments go down in value. You cannot lose money with a Cash ISA.

You can withdraw money from a Stocks and Shares ISA at any time provided that you sell the underlying investments first.

You can withdraw from a variable-rate Cash ISA at any time.

Withdrawing from a fixed-rate Cash ISA may incur charges if you do so before the end of the specified fixed term.

Most ISA withdrawals will complete in approximately five working days, but they could take longer depending on the assets you need to sell.

Most providers will allow you to withdraw from your ISA online, via a mobile app, telephone, or by written instruction in the post.

A Flexible ISA allows you to withdraw money from your ISA whilst keeping your ISA allowance for that tax year.

For example, if you were to contribute £20,000 to an ISA but then withdraw £5,000 in the same year, you would normally not be able to contribute that £5,000 again in the same tax year as you have already used your full allowance, but a Flexible ISA will let you do this.

A Stocks and Shares ISA provider will charge an ongoing, annual platform fee as well as some ad hoc charges.

A Cash ISA could also charge if you withdraw money before the end of a fixed-term investment.

The annual ISA allowance runs in line with the normal tax year, which is 6th April to 5th April the following year. Your ISA allowance will refresh on 6th April each year.

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.