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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 7.00% 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
  • 1.75% per quarter (7% 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 10.00% 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% 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% 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.

RBS ISA

If you’re trying to find out how to get the most out of your annual ISA allowance, it’s a good idea to shop around the different providers in addition to RBS ISA plans to compare and find the top, best buy product for the type of ISA you want. You can use the comparison table to view selection offerings from different providers and click the links to apply:

RBS ISAs

  • Instant Access Cash ISA – Allows you access to your money instantly with no withdrawal penalties so you can take money out whenever you like. You can add money by a one off payment, standing or simply pay in when you want. It offers a variable rate of interest on a tiered system so by putting more in you could potentially achieve a higher rate of interest.
  • Fixed Rate ISA – Gives you opportunity to earn a fixed rate of interest providing you can lock your savings away for a one or two year term. This account requires a minimum deposit of £1,000. Partial withdrawals and additional deposits are not permitted after the start date. Early closure is possible but will incur an interest penalty equivalent to a set amount of day’s tax-free interest. This plan also features a tiered rate of interest so savers who invest more could potentially receive a better interest rate


  • RBS Stocks and Shares ISA – allows you to invest in shares, funds, gilts and bonds.

Types of ISA

There are two different kinds of ISA available in the UK; Cash ISAs and Stocks & Shares ISA which are considerably different from each other. You can only open one of each kind of ISA each year, however your maximum allowance stays the same regardless of if you only open one kind of ISA or both, this means that if you opt to have both a Cash ISA and a Stocks & Shares ISA you will need to break up your allowance between the two this can be done at a ratio of your choice as long as your limit is not exceeded.

  • Cash ISAs – This type of ISA is essentially the same as any savings account; however the interest you earn on it is tax-free up to your allowance. There are different kinds of Cash ISA’s can be further broken down into different kinds such as Fixed Rate and Easy Access. Generally speaking the less access to make withdrawals a plan offers the better the interest rate this varies by provider however.
  • Stocks & Shares ISAs – Are investment accounts, so they are not investments in themselves. They rather provider a tax-efficient ‘wrapper’ which you can use to invest in other products like stocks. Self-select plans require you to directly choose shares and stocks to invest in; other plans offer a kind of collective investment scheme, where your money is pooled with other investors into funds. These are all capital at risk products, this means that if the value of your investment decreases you could get back less than what you originally put in. This type of account still requires you to pay tax on any dividends however it offers advantages when it comes to Capital Gains Tax and Income Tax.

ISA Transfer

Providers of ISAs must allow you to transfer to another provider; however they can impose interest penalties for doing so. As such while it can be advantageous to move your account if you find a better deal, if your current arrangement has a penalty then before you make a move you should first work out, if factoring in that penalty, you would actually earn more interest overall by 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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