Hurry, the tax year ends on 5th April 2010. 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. Not sure what ISA to invest in? Simply click here to receive Free advice on the full range of ISA and Investment options available.
Taking out a Cash or Stocks and Shares ISA today makes sure that you will benefit from tax free interest for the 2009/10 tax year. Full details of ISA rules and allowances are detailed at the bottom of this page, including the new ISA allowances for 2009/10 and the benefits for the over 50s which became available on 6th October 2009.
Latest ISA News - updated
| Provider | Offer | |
|---|---|---|
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ING Direct has launched an instant access Cash ISA paying 2.50% AER. You can open an account from £1 and you have instant access to your savings without penalties. Click here for more details. |  |
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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 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. | |
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If you are an existing Lloyds TSB customer, then Lloyds TSB offer a Cash ISA paying 2.50% AER. You have instant access to your money and if you are registered for their Internet Banking you can open your new Cash ISA in minutes. Click here for more details. | |
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Looking for more income from your Cash ISA? Then Investec now offer a 5 Year Capital Protected Structured Investment Plan with an annual yield of 4.75% or a monthly yield of 0.38%. You can invest from as little as £1,500. Click here for more details or a Free Brochure. | |
ISA Accounts Tables
| Provider | Account | AER | Notice | Min £ | Details |
|---|---|---|---|---|---|
| Investec | Income Deposit Cash ISA Plan | 4.75% | 5 Years | £1,500 | |
| RBS | Royal Deposit Cash ISA Plan | 4.00% | 3 Years | £3,600 | |
| Lloyds TSB (Existing Customers) | Fixed Rate ISA | 3.30% | 2 Years | £30,000 | |
| Alliance & Leicester | Direct ISA | 2.75% | Instant | £9,000 | |
| Santander | Direct Cash ISA | 2.75% | Instant | £9,000 | |
| Lloyds TSB (Existing Customers) | Fixed Rate ISA | 2.70% | 2 Years | £3,000 | |
| ING Direct | Cash ISA | 2.50% | Instant | £1 | |
| Lloyds TSB (Existing Customers) | Cash ISA Saver | 2.50% | Instant | £1 | |
| NatWest Bank (Existing Customers) | e-ISA | 2.50% | Instant | £30,000 | |
| NatWest Bank (Existing Customers) | e-ISA | 2.00% | Instant | £1 | |
| NatWest Bank (Existing Customers) | Cash ISA | 2.00% | Instant | £50,000 | |
| RBS (Existing Customers) | Cash ISA | 2.00% | Instant | £50,000 | |
| Alliance & Leicester | Direct ISA | 2.00% | Instant | £1 | |
| Santander | Direct Cash ISA | 2.00% | Instant | £1 | |
| RBS (Existing Customers) | Cash ISA | 0.55% | Instant | £1 | |
| NatWest Bank (Existing Customers) | Cash ISA | 0.50% | Instant | £1 | |
| Provider | Description | Min £ | Details |
|---|---|---|---|
| Investec | 5 Year Capital Protected Structured Investment Plan with an annual yield of 4.75% or a monthly yield of 0.38%. | £1,500 | |
| Investec | 9.25% a year if the FTSE 100 is above its starting level at any of the first 4 anniversaries of the plan. | £1,500 | |
| Investec | This 5 year capital protected structured investment plan offers a maximum return of 40% at maturity. | £1,500 | |
| Investec | This capital protected 3 year structured investment plan offers a maximum return of 18% at maturity. | £1,500 | |
| UBS | FTSE Income Plan (Conditional Income Option) is a 5 Year Structured Income Plan offering an annual yield of 6.50%. | £3,600 | |
| UBS | FTSE Income Plan (Fixed Income Option) is a 5 Year Structured Income Plan offering an annual yield of 5.80%. | £3,600 | |
| Legal & General | Earn regular income with Legal & General corporate bond investments | £50 | |
| Virgin | Climate Change ISA | £50 |
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| Morgan Stanley | This 6 year structured investment plan offers a return of 1.2 times any positive growth in the FTSE 100, with 80% capital protection. | £3,000 | |
| Morgan Stanley | This 6 year structured investment plan offers the potential to kick out after 3 years with a maximum return of 50%. | £3,000 | |
| Morgan Stanley | This 6 year structured investment plan offers a return of up to 20% with the potential to kick out after 3 years. | £3,000 | |
| Morgan Stanley | This 6 year structured investment plan offers 2.85 times any positive growth in the FTSE 100. | £3,000 | |
| Legal & General | Index Tracking ISAs | £50 | |
| Legal & General | Multi Manager ISAs | £50 | |
| Legal & General | Income ISAs | £50 | |
| Legal & General | Actively Managed ISAs | £50 | |
| Legal & General | Ethical ISA | £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 |
|---|---|
| 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 | Fixed Rate Savings | 4.60% | 3 Years | £1,000 | |
| Scottish Widows | Fixed Rate Bond | 4.55% | 5 Years | £10,000 | |
| ICICI Bank | Fixed Rate Savings | 4.50% | 4 Years | £1,000 | |
| Nationwide (Existing Customers) | Fixed Rate Bond | 4.40% | 3 Years | £1 | |
| ICICI Bank | Fixed Rate Savings | 4.10% | 2 Years | £1,000 | |
| Coventry Building Society | Fixed Rate Bond | 4.00% | 2 Years | £1 | |
| RBS | Royal Deposit Plan | 4.00% | 3 Years | £3,600 | |
| Lloyds TSB Bank | Fixed Rate Bond | 3.90% | 2 Years | £2,000 | |
| Santander | Fixed Rate Bond | 3.75% | 2 Years | £25,000 | |
| Santander | Fixed Rate Bond | 3.25% | 2 Years | £10,000 | |
| Santander | Fixed Rate Bond | 3.25% | 18 Months | £25,000 | |
| Nationwide (Existing Customers) | Fixed Rate Bond | 3.20% | 18 Months | £25,000 | |
| Principality BS | Fixed Rate Bond | 3.00% | 18 Months | £5,000 | |
| Santander | Fixed Rate Bond | 3.00% | 18 Months | £10,000 | |
| Santander | Fixed Rate Bond | 2.75% | 18 Months | £1 | |
| Santander | Fixed Rate Bond | 2.75% | 1 Year | £10,000 | |
| Santander | Fixed Rate Bond | 2.50% | 1 Year | £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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Free ISA ADVICE
Not sure what ISA to invest in? Simply complete the form below to receive advice on the full range of ISA options available.
ISA RULES
We have set out the 2009/10 ISA tax rules including the changes set out in the 2009 Budget.
The overall maximum ISA allowance for the over 50s has increased to £10,200 for the 2009/10 tax year on 6th October 2009.
The maximum total annual contribution is £7,200 (£10,200 if you are over 50) of which half can be invested in a Cash ISA.
The maximum allowable cash portion is £3,600 (£5,100 if you are over 50).
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 £7,200 allowance can be invested in stocks and shares (£10,200 if you are over 50), or you can choose up to £3,600 into a cash ISA (£5,100 if you are over 50).
For example; you save £1,200 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 £6,000 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.
