Take out an ISA early in the tax year and save hundreds of pounds in Tax! Make the most of the chance to save money tax-free by putting your savings into a Cash or Stocks and Shares ISA. Take a look at some of the deals on offer. Some of the highest interest paying ISA Savings accounts are shown below. Simply click on the 'more details' button for account features and offers.
You can also use our savings search tool to compare over 1200 saving
accounts including ISA's. We also provide a Free Weekly Newsletter so you can stay up to date with the latest ISA products and rates.
Taking out a Cash or Stocks and Shares ISA today makes sure that you will benefit from tax free interest for the 2010/11 tax year. Full details of ISA rules and allowances are detailed at the bottom of this page, including the new increased ISA allowances for 2010/11.
Latest ISA News - updated
| Provider | Offer | |
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The new Instant Access Cash ISA from the Halifax offers 2.60% AER. This offer is open to new and existing Halifax customers and you can transfer in your existing Cash ISA. Click here for more details. |  |
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Nationwide Building Society has launched a new Cash ISA paying 2.67% AER. To access this ISA rate you must open or currently have a Nationwide current account. You have instant access to your money. Click here for more details. | |
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Lloyds TSB now offer a Fixed Rate Cash ISA paying up to 2.90% AER. Rates are dependant on how much you invest. Click here to view their rates. | |
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If you are an existing NatWest Current account or instant access savings account customer, then NatWest offer a Cash ISA paying up to 2.50% AER. You have instant access to your money and rates are tiered dependant on how much you invest. Click here for more details. | |
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Are you ready for the new 2010/11 ISA Rules? Request Free Brochures from The UK's leading ISA providers. Free brochures from companies such as M&G, J P Morgan and Hargreaves Lansdown give free advice on how to make the most of your Tax Free allowance. Click here for your free guides which can be posted or sent to you via Email. | |
ISA Accounts Tables
| Provider | Description | Min £ | Details |
|---|---|---|---|
| Morgan Stanley | 6 year structured income plan with a fixed annual income return of 6.75% | £3,000 | |
| Investec | 5 year capital protected deposit plan with an annual yield of 4.50% or a monthly yield of 0.36%. The plan can be used for cash ISA investment or cash ISA transfer. | £1,500 | |
| Investec | This 5 year capital protected structured investment plan offers a maximum return of 32.5% at maturity. | £1,500 | |
| Investec | This capital protected 3 year structured investment plan offers a maximum return of 15% at maturity. | £1,500 | |
| Investec | 5 year capital protected structured investment plan, with the potential to return 100% of any growth in the FTSE 100 over the 5 year term. | £1,500 | |
| Morgan Stanley | 6 year structured investment plan offering 2 times any positive growth in the FTSE 100. | £3,000 | |
| Gilliat | A 6 year structured investment plan which aims to provide up to 4 times any growth in the FTSE 100 up to a maximum of 100%. | £3,000 | |
| Virgin | Climate Change ISA. Invests in specially selected businesses who aim to drive outstanding profit growth and have a lighter environmental footprint. | £50 |
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| RBS | 5 year structured investment plan benefiting from an early maturity feature. The plan offers the potential to return 10% for every year that the plan has been in force, if it matures early. | £20,000 | |
| National Friendly | Investment ISA - Invest from £50 a month or a lump sum. | £50 | |
| Legal & General | Index Tracking ISAs - Invest from as little as £500 lump sum or £50 monthly | £50 | |
| Legal & General | Multi Manager ISAs - Invest from as little as £500 lump sum or £50 monthly | £50 | |
| Legal & General | Income ISAs - Invest from as little as £500 lump sum or £50 monthly | £50 | |
| Legal & General | Actively Managed ISAs - Invest from as little as £500 lump sum or £50 monthly | £50 | |
| Legal & General | Ethical ISA - Invest from as little as £500 lump sum or £50 monthly | £50 | |
| Structured Investment Products promoted by Fair Investment Company Limited, Fair Investment Company Limited is Authorised and Regulated by the Financial Services Authority. | |||
| Provider | Description | Min £ | Details |
|---|---|---|---|
| TD Waterhouse | No admin fee & choice of 1100 Unit Trusts | £100 |
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| Brochures | Details |
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| Free brochures from the UK's leading ISA providers like Fidelity, M&G, Hendersons etc. |
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| Provider | Account | AER | Term | Min £ | Details |
|---|---|---|---|---|---|
| Lloyds TSB Bank | Bonus Saver | 2.01% | Instant | £5,000 | |
| Provider | Offer | Details |
|---|---|---|
| Scottish Friendly | Invest up to £25 a month Tax Free. This 10 year Bond is available for anyone aged 16 to 55. You can take out this Bond in addition to any tax free ISA you may have. | |
| Scottish Friendly | Invest up to £25 a month Tax Free. The Child Bond isn't just for parents to invest in. Whether you're a grandparent or an aunty, you can take out a Child Bond for any child you care about. | |
| Provider | Account | AER | Term | Min £ | Details |
|---|---|---|---|---|---|
| ICICI Bank | HiSave Account | 4.75% | 5 Years | £1,000 | |
| ICICI Bank | HiSave Account | 4.15% | 4 Years | £1,000 | |
| RBS | Fixed Rate Plan | 4.15% | 3 Years | £3,600 | |
| ICICI Bank | HiSave Account | 4.15% | 3 Years | £1,000 | |
| Nationwide (Must open or currently have a Nationwide current account) | Fixed Rate Bond | 4.10% | 5 Years | £1 | |
| Scottish Widows | Fixed Rate Bond | 4.00% | 5 Years | £10,000 | |
| Nationwide (Must open or currently have a Nationwide current account) | Fixed Rate Bond | 3.75% | 3 Years | £1 | |
| Lloyds TSB Bank | Fixed Rate Bond | 3.75% | 3 Years | £2,000 | |
| ICICI Bank | HiSave Account | 3.70% | 2 Years | £1,000 | |
| Santander | Fixed Rate Bond | 3.50% | 2 Years | £25,000 | |
| NatWest Bank | Fixed Rate Bond | 3.50% | 2 Years | £5,000 | |
| Nationwide (Must open or currently have a Nationwide current account) | Fixed Rate Bond | 3.25% | 2 Years | £1 | |
| Santander | Fixed Rate Bond | 3.20% | 2 Years | £1 | |
| ICICI Bank | HiSave Account | 3.00% | 1 Year | £1,000 | |
| Santander | Fixed Rate Bond | 3.00% | 15 Months | £10,000 | |
| RBS | Fixed Rate Bond | 3.00% | 1 Year | £50,000 | |
| The Post Office | Fixed Rate Bond | 2.80% | 1 Year | £500 | |
| Principality BS | Fixed Rate Bond | 2.80% | 18 Months | £5,000 | |
| Santander | Fixed Rate Bond | 2.75% | 15 Months | £1 | |
| Nationwide (Must open or currently have a Nationwide current account) | Fixed Rate Bond | 2.50% | 18 Months | £1 | |
| NatWest Bank | Fixed Rate Bond | 2.50% | 1 Year | £5,000 | |
| NatWest Bank | Fixed Rate Bond | 2.00% | 3 Years | £5,000 | |
| Barclays Bank (Existing Customers) | Fixed Rate Bond | 2.00% | 1 Year | £500 | |
| Provider | Account | AER | Notice | Min £ | Details |
|---|---|---|---|---|---|
| The Post Office | Online Saver | 2.75% | Instant | £1 | |
| Santander | eSaver | 2.75% | Instant | £1 | |
| ING Direct | Savings Account | 2.75% | Instant | £1 | |
| Halifax | Web Saver Extra | 2.60% | Instant | £1 | |
| Bank of Scotland | Web Saver Extra | 2.60% | Instant | £1 | |
| Nationwide BS (Must open or currently have a Nationwide current account) | Savings Account | 2.00% | Instant | £1 | |
| NatWest Bank | e-Savings | 1.00% | instant | £1 | |
| RBS | Direct Saver | 1.00% | Instant | £1 | |
| HSBC Bank | Online Saver | 0.75% | Instant | £1 | |
| Personal Pensions | Details |
|---|---|
| The Virgin Pension is the easy way to start planning for your financial future. It’s simple to set up and you have complete flexibility – stop, start, increase or decrease your payments whenever your circumstances change. |
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| Keep up to date with all the latest ISA products and rates by joining our Free Email newsletter |
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ISA RULES
We have set out the 2010/11 ISA tax rules including the changes set out in the 2010 Budget.
The overall maximum ISA allowance has increased to £10,200 for the 2010/11 tax year.
The maximum total annual contribution is £10,200 of which half can be invested in a Cash ISA.
The maximum allowable cash portion is £5,100.
The mini and maxi ISA distinction no longer exists. Any maxi or mini ISA is now simply called an ISA.
Mini stocks and shares ISA's and any stocks and shares component of a maxi ISA have become a stocks and shares ISA.
Mini cash ISA's and any cash component of a maxi ISA has become a cash ISA.
The full £10,200 allowance can be invested in stocks and shares, or you can choose up to £5,100 into a cash ISA.
For example; you save £2,700 in a cash ISA at the start of the tax year. In the same year, you could invest up to another £2,400 in the same cash ISA or up to £7,500 in a stocks and shares ISA with either the same or a different provider.
Funds are transferable from a cash ISA into a stocks and shares ISA, giving your money a better chance to grow over the medium to long term. Making the transfer won’t affect your ISA allowance, so if you make a transfer from a previous year’s ISA, it will not use any of the current year’s allowance. In addition, there will be no tax to pay on the returns you earn from your ISA. However you cannot transfer from a stocks and shares ISA to a cash ISA.
PEPs (Personal Equity Plans) has automatically become a stocks and shares ISA.
* Important Notes: For structured deposit and investment plans the above information provides a product summary only. Complete details of the plans can be found within the relevant brochure and key features material which are available on request. Investors will not benefit from any dividends paid by the companies which constitute the listed indices over respective investment terms. Therefore, if markets rise, the plans will deliver lower returns than investments in an equity fund which includes reinvested dividends. The stated benefits will only be delivered if the plans are held for the full terms. If the investor were to cash in their plan early, they would be unlikely to receive back the amount they originally invested, regardless of the performance of the basket/index underlying the plan. Inflation might deteriorate the value of the capital received at maturity. Some of the plans place your ‘capital at risk’ and are not intended for cautious investors. For capital at risk plans, the security of the product depends on the credit worthiness of the counterparty. Failure of the counterparty could lead to you losing all or some of your original investment and returns. Furthermore this event will not be covered by the Financial Services Compensation Scheme. Please see http://www.fscs.org.uk for full information.
