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Natwest ISA

Compare a selection of ISAs from different providers.
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.

Natwest ISA

If you are looking for a tax-free or tax efficient way to save, you may be wondering if a Natwest ISA is the right choice for you. Whether you’re looking for a Cash ISA, Stocks and Shares ISA or both, it’s best to make sure you’re getting the most from your personal allowance, so before you decide you can check out the comparison table below to compare a selection of top, best buy ISAs from different providers and click the links to apply online:

Natwest offers a choice of a fixed rate ISA or Instant Access ISA:

  • Natwest Fixed Rate Cash ISA: offers a fixed rate you know in advance how much your savings will earn with a choice of one or two year terms. This account operates on a tiered system of interest so the more invested the better the interest rate offered. Interest paid annually.
  • Natwest Easy Cash ISA: offers tax-free savings within your annual maximum allowance. The interest paid is variable and paid monthly, works on a tiered system so savers who invest more will receive better rates of interest. No withdrawal penalties so you are free to take out money whenever you want to.
  • Natwest also offer a Help to Buy ISA and a Junior ISA.

Types of ISA

UK ISA’s can be categorised as either Cash Individual Savings Account or Stocks & Shares Individual Savings Accounts. You are only allowed to have one of each type of ISA each tax year, your personal allowance amount stays the same however, so if you choose to open one of each account you need to break up your allowance between the two.

  • Cash ISAs – Work essentially like a standard savings account, the only difference is up to your maximum allowance any interest you earn is tax-free. Providers tend to offer ISA’s in various different incarnations depending on how much access you feel you will need to your savings. Some types of Cash ISA may include; Fixed rate, Easy Access, Instant Access. Generally with each provider accounts that offer you less access to your savings over the term of the account will offer better rates of interest than their accounts with more flexible access to your savings.
  • Stocks & Shares ISAs – Work as an investment account you can use to put money into other products such as; gilts, funds, shares and stocks. There is a choice between self-select ISAs that allow you to pick the specific investments yourself or ISAs that pool your money into funds with other investors, While you still have to pay interest on dividends earned, you do not have to pay capital gains tax or income tax up to your maximum allowance. As the investments you make with this kind of account can decrease in value as well as increase you may get back less than you originally invested with this kind of ISA and your capital is not protected.

Transferring ISAs

All providers of ISAs have to let you transfer them to other providers; however they are allowed to place an interest penalty on your account for doing so. This means it is worth regularly shopping around to find the best buy ISA available to you, however if your current provider will impose a penalty you should check to ensure that you would not actually earn more staying put. 

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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