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Compare Yorkshire Bank ISAs

Compare ISAs from Yorkshire 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 Yorkshire Bank?

Yorkshire Bank is a trading name of Clydesdale Bank, and the original company dates back to its establishment in West Yorkshire in 1859.

They have a large customer base across the UK and provide various banking services for personal and business clients.

They are now part of Virgin Money UK PLC, a leading UK banking group, so they no longer offer ISA accounts directly themselves.

What is an ISA?

An ISA account is a tax-free savings account that comes in two primary forms:

  • Cash ISA
  • Stocks and Shares ISAs

Many banks and building societies, like Yorkshire Bank, used to only offer Cash ISAs with fixed or variable interest rates. However, due to low interest rates since the 2007/8 financial crash, many banks now offer Stocks and Shares ISAs as a way for customers to invest in the stock market while getting the benefits of ISA tax-efficiency.

What are the tax advantages of an ISA?

Unlike regular savings accounts, ISAs are entirely immune from the below taxes:

  • Capital Gains Tax on the growth of your investments
  • Income tax on dividends from your stocks and shares investments
  • Income tax on the interest generated from your cash investments

Depending on your income tax bracket and the sources of your earnings, you could pay a significant amount of tax by investing in a standard investment account instead of an ISA. Wrapping your investments in an ISA doesn’t really have any downsides other than a few limitations on what you can invest in, but there’s still plenty of options to choose from.

What can you invest in with an ISA?

Cash ISAs:

Cash ISAs allow you to invest in cash products that generate a variable or fixed rate of interest.

The interest rates you get vary depending on how flexible your ISA account is.

For example:

  • An instant access Cash ISA usually has lower interest rates, but you can take money out any time, free of charge.
  • On the other hand, a fixed-rate Cash ISA locks your investment for a number of months or years. You get better interest rates, but you are charged for withdrawing or transferring during your fixed term.

Stocks and Shares ISAs:

Stocks and Shares ISAs give you access to the entire stock market. Some Stocks and Shares ISA providers manage your investments for you, whereas some allow you to pick your investments yourself.

Here’s a list of the most popular investment choices:

  1. Shares
  2. Managed Funds (Unit Trusts, OEICs and Investment Trusts)
  3. ETFs (Exchange Traded Funds, or tracker funds)
  4. Bonds & GILTs

Picking your own ISA investment portfolio can be daunting, but most ISA companies provide research and insight to help you make your decision.

What are the ISA rules?

Before you invest in an ISA, make sure you’re familiar with the key rules of the accounts so you know what you can and can’t do:

  • Your annual ISA allowance is £20,000 for the current tax year, meaning you can’t add more than this amount to an ISA
  • Your annual ISA allowance is split across all types of ISAs. For example, you could contribute £15,000 to a Stocks and Shares ISA and £5,000 to a Cash ISA, but no more
  • You can’t contribute to more than one Cash ISA or Stocks and Shares ISA in the same tax year
  • You can contribute to more than one Cash ISA or Stocks and Shares ISA across different tax years
  • You can transfer your existing ISAs to different ISA accounts and it won’t count as a contribution towards your ISA allowance
  • You do not keep any unused ISA allowance into the next tax year
  • Your ISA allowance refreshes every year on 6 April

Who can open an ISA account?

Anybody over the age of 18 who is a UK resident can open an ISA account. If you are under 18, a parent or legal guarding can open a Junior ISA account for you.

How do I open an ISA account?

Opening an ISA is quick and easy. You can do it online via your ISA provider’s website, and you’ll just need to provide some basic personal information.

Once you have set up your account and your online login and password, you’ll need to add money to officially open your ISA.

You can either make a debit card top-up online or over the phone, or you can set up a regular Direct Debit to pay in automatically every month.

You can also open an ISA account in the post with an application form and a cheque. 

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

Frequently Asked Questions

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.

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.

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. 

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.

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.

Yes. Most providers allow you to have dividends automatically paid out to your bank account upon receipt. You can also have them reinvested automatically, too.

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

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

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.

Most providers will allow you to nominate your General Investment Account (non-ISA) to pay your ISA fees so that you are not wasting your ISA allowance on charges that could be paid from non-wrapped funds.

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.