skip to main content
Compare ISA Providers /

Compare Coop ISAs

Compare ISAs from Coop 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 Coop Bank?

The Co-operative Bank are a commercial and retail bank operating across the UK.

The bank’s history dates back to 1872, and they merged with the Britannia Building Society in 2009 which resulted in significantly increasing its branch network.

Today, they offer a wide range of banking and financial products to retail customers, including:

  1. Bank Accounts
  2. Credit Cards
  3. Savings Accounts (including ISAs)
  4. Insurance Products
  5. Loans and Mortgages

They offer several types of Cash ISA accounts for their customers to benefit from tax-efficient savings.

What is an ISA?

An ISA is a type of tax-free savings account.

The government allows for you to invest up to £20,000 in ISAs in the current tax year, and this allowance refreshes annually so that you can grow your savings over time.

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

What’s the difference between a Cash ISA and a Stocks and Shares ISA?

Cash ISA

  1. Earn interest on your cash savings
  2. Your money cannot go down in value
  3. Interest rates are either fixed or variable, depending on how often you can make withdrawals
  4. Interest rates are very low in the current market compared to the returns available through stocks and shares, but you can’t lose money (unless you withdraw before the end of a fixed-term)

Stocks and Shares ISA

  1. Invest in the stock market via your ISA wrapper
  2. Pick shares, funds and other investments yourself, or invest in a ready-made, managed ISA portfolio
  3. Your investments can go up and down, so you could lose money
  4. Potential for higher returns compared to Cash ISAs, but also a greater potential for losses

What are the tax advantages of an ISA?

There are three main taxes that your savings are sheltered from in an ISA account:

  1. Income tax on the interest you earn in a Cash ISAs
  2. Income tax on the dividends you earn in a Stocks and Shares ISA
  3. Capital gains tax on the growth of your assets in a Stocks and Shares ISA

What types of Cash ISA do Coop offer?

Coop Bank’s Cash ISAs vary depending on the length of term you want to commit to, and how often you want to withdraw.

Coop’s Instant-Access ISAs

Coop’s instant-access ISAs have a variable rate of interest lower than the fixed-rate products, but you can withdraw freely.

  1. You can open an instant-access ISA with as little as £1
  2. You have unlimited free withdrawals at any time

Coop’s fixed-rate ISAs

Coop Banks’ fixed-term ISAs, also known as their Britannia Fixed Rate Cash ISAs, have varying levels of fixed interest rates depending on the length of term you commit to.

  1. The longer fixed term you commit to, the better ISA interest rates you’ll get
  2. You can open an account with a minimum deposit of £5,000, or by transferring an existing ISA in
  3. You lose a portion of your interest if you withdraw before the end of your fixed term

What ISA rules should I be aware of?

If you are taking out a Co-operative Bank ISA, or any other type of ISA, you need to be aware of some fundamental ISA rules before you invest:

  • The current ISA limit is £20,000. You can’t add more than this amount to ISAs until your allowance refreshes in the new tax year (April 6th)
  • You can split this ISA allowance between both types of ISAs. For example, you can contribute £10,000 to a Stocks and Shares ISA and £10,000 to a Cash ISA.
  • You can’t contribute to more than one Stocks and Shares ISA, or more than one Cash ISA in the same tax year.
  • You can contribute to more than one Cash ISA, or more than one Stocks and Shares ISA across different tax years.
  • You can transfer your existing ISAs to a new ISA provider without it counting towards your annual ISA allowance. This means you can transfer over £20,000 of ISAs in the same tax year, as long as you use your new provider’s ISA transfer form to do so.

Who can open a Coop ISA account?

  • Some of Coop’s ISA accounts require you to own a Coop Bank account first
  • You must be a UK resident
  • You must be aged 16 or over

How do you open a Coop ISA?

You can open a Coop ISA online, over the telephone, or in branch; however, some of their ISA accounts can only be opened and managed online.

All of Coop’s ISA accounts can then be managed online or via the mobile banking app, and you can top up easily through debit card payments. 

Oliver Roylance-Smith
Edited by Oliver Roylance-Smith - 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.

ISA accounts are authorised and regulated by the Financial Conduct Authority (FCA). This means that all ISA providers are covered by the Financial Services Compensation Scheme (FSCS) for up to £85,000 if they go out of business.

Please note that this may not apply to the underlying holdings within a Stocks and Shares ISA, and will not cover standard investment losses. 

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.

For Cash or Stocks and Shares ISAs, yes, although some Cash ISAs may charge a fee or void your interest if you surrender your policy before the fixed term has ended.

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

The annual ISA allowance is set by HMRC each year, and the current limit is £20,000 per person for the 2022/23 tax year.

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

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.

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.

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.