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Halifax ISA

Halifax ISAs - Compare ISAs from different providers to find the best way to make the most out of your allowance.
Selected ISAs

Stocks & Shares ISA

from Moneyfarm

ISA Option
Allows ISA Transfers
Regular Savings
  • Protection Scheme: FSCS
  • Fund Choice: Choose your risk profile and have it matched to an investment portfolio expertly built and managed
  • Invest From: £1,500

Why we like it: Answer questions about your goals, financial situation and attitude to risk, and Moneyfarm will recommend the right ISA portfolio for you, built and managed by experts to help your money grow. You’ll always be invested in a portfolio that’s suitable for you, and you can manage this through the Advice Centre. See what you’re invested in, how you’re performing and how much you’re paying anywhere and any time with the Moneyfarm app. Add money to your ISA by setting up a direct debit, investing a lump-sum, or by transferring old ISAs for free

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: Any Lump Sum or £25 a month

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 6.85% per annum
  • Counterparty: BNP Paribas
  • Term: Up to 6 years

Kick out plans seem to attract particular interest when markets are repetitively flat since they can provide competitive returns even if the FTSE stays relatively flat with the potential for 6.85% 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.

  • 6.85% for each year (not compounded) provided the FTSE 100 finishes the same or 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
  • If you withdraw your money during the plan you may get back less than you originally invested

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.

 Halifax ISAs

Whether you’re looking to make regular deposits, a one off lump sum or to find a tax-efficient investment account a Halifax ISA could be the right choice for you. It is a good idea to make the most of your annual allowance however by finding the best deal for your circumstance. You can use the comparison table below to compare, top best buys from a selection of providers and click the links to apply:

 

  • ISA Saver Fixed: The Halifax ISA Saver fixed offers you a fixed rate of interest, paid tax free, with a choice of 2 or 5 year terms. No withdrawals are allowed however early closure or transfers are permitted but will incur a payment equivalent to set amount of days worth of interest. You have a choice of interest being paid monthly or annually. All deposits and transfer must be paid within 60 days of the account being opened.

 

  • ISA Saver Variable: The Halifax ISA Saver variable grants no restrictions on withdrawals, while still benefiting from tax free interest. Interest paid on the anniversary of the date the account was opened. After 12 months the account will automatically change to an instant access option.

 

  • Halifax also offers a Stocks & Shares ISA and Junior ISA options.

 

About ISA’s

ISA’s can be categorised as being either a Cash Individual Savings Account or a Stocks & Shares Individual Savings Account. You are allowed to have one of each type of account every tax year but your annual allowance stays the same so you need to break it up between the accounts.

 

  • Cash ISAs: Cash ISAs work essentially the same as a normal saving account offered by many banks and building societies, the key difference is that you get the benefit of interest being paid tax-free up to your maximum allowance. Like with normal saving accounts providers tend to offer a selection of choices such as; Fixed rate ISAs, Easy Access ISA’s and Instant Access ISA’s generally speaking the less access you have to make deposits or withdrawals to your account the better the rate of interest a provider will offer. Cash ISA’s have FCSC protection, however if you close or transfer your account early some plans will have a penalty meaning you could get back less than you originally invested. 

 

Stocks & Shares ISA’s: A stocks & shares ISA is significantly different from a cash ISA, it is essentially an investment account that enjoys a tax-efficient status, you can use this kind of ISA to put your money in various different investment plans such as; corporate bonds, trusts, stocks and shares. These are capital at risk products so you do not benefit from a FCSC protection and if your investments decrease in value you can get back less than you put in your account. You do not have to pay any income tax or capital gains tax on the growth of the investments.  

Transferring an ISA

ISA’s can be transferred to other providers, doing so could help you get the most out of your savings by switching to a better deal, therefore it a good idea to shop around to try and find the best deal available. Some accounts have penalties for making an early transfer however, if this is the case it is wise to first work out whether factoring in the penalty if you would actually earn more interest by sticking with your original arrangements. 

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

Investment ISA for Beginners

22nd September 2020

The world of investments can be a bit overwhelming, especially for a first-time investor. So – to make your first dive into investing your hard-earned cash that little bit easier, we’ve put together a beginners guide for investment ISAs, giving you all you need to know. 

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