Aldermore 1 Year Fixed Rate Cash ISA
Open WithInterest Rate (AER)Protection SchemeOpen Account
£1,000.001.5% fixed
for 1 year
on £1,000+
FSCSOnline, Phone & Post
Halifax ISA Saver Online
Open WithInterest Rate (AER)Protection SchemeOpen Account
£1.001.25% variable
on £1+
FSCSOnline
1.25% tax free/AER variable including 12 month fixed bonus of 1.00%.
Skipton 3 Year Fixed Rate ISA
Open WithInterest Rate (AER)Protection SchemeOpen Account
£500.002.2% fixed
for 3 years
on £500+
FSCSOnline, Branch & Post
Aldermore 30 Day Notice Cash ISA (Issue 5)
Open WithInterest Rate (AER)Protection SchemeOpen Account
£1,000.001.25% variable
on £1,000+
-Online, Phone & Post
Halifax 1 Year ISA Saver Fixed
Open WithInterest Rate (AER)Protection SchemeOpen Account
£500.001.55% fixed
for 1 year
on £500+
FSCSOnline, Branch & Phone
No withdrawals allowed except on early closure subject to the loss of 90 days tax-free interest.
Halifax 2 Year ISA Saver Fixed
Open WithInterest Rate (AER)Protection SchemeOpen Account
£500.001.80% fixed
for 2 years
on £500+
FSCSOnline, Branch & Phone
No withdrawals allowed except on early closure subject to the loss of 180 days tax-free interest.
Halifax 3 Year ISA Saver Fixed
Open WithInterest Rate (AER)Protection SchemeOpen Account
£500.002.00% fixed
for 3 years
on £500+
FSCSOnline, Branch & Phone
No withdrawals allowed except on early closure subject to the loss of 270 days tax-free interest.
Halifax 5 Year ISA Saver Fixed
Open WithInterest Rate (AER)Protection SchemeOpen Account
£500.002.20% fixed
for 5 years
on £500+
FSCSOnline, Branch & Phone
No withdrawals allowed except on early closure subject to the loss of 365 days tax-free interest.
Halifax ISA Saver Variable
Open WithInterest Rate (AER)Protection SchemeOpen Account
£1.001.20% variable
on £1+
FSCSOnline, Branch & Phone
1.20% tax free/AER variable including 12 month fixed bonus of 0.70%.
Aldermore 2 Year Fixed Rate Cash ISA
Open WithInterest Rate (AER)Protection SchemeOpen Account
£1,000.001.85% fixed
for 2 years
on £1,000+
FSCSOnline, Phone & Post
Aldermore 3 Year Fixed Rate Cash ISA
Open WithInterest Rate (AER)Protection SchemeOpen Account
£1,000.002% fixed
for 3 years
on £1,000+
FSCSOnline, Phone & Post
NatWest Cash ISA
Open WithInterest Rate (AER)Protection SchemeOpen Account
£1.001% variable
on £25,000+
FSCSOnline, Branch & Phone
Earn tax free interest of up to 1.00% AER (variable) on balances of at least £25,000 and earn up to 0.75% AER (variable) on balances below £25,000.
RBS Instant Access ISA
Open WithInterest Rate (AER)Protection SchemeOpen Account
£1.001% variable
on £25,000+
FSCSOnline, Branch & Phone
Earn tax free interest of up to 1.00% AER (variable) on balances of at least £25,000 and earn up to 0.75% AER (variable) on balances below £25,000.
Skipton ISA Saver Issue 2
Open WithInterest Rate (AER)Protection SchemeOpen Account
£1.001.3% variable
on £1+
FSCSOnline, Branch & Post
Skipton 2 Year Fixed Rate ISA
Open WithInterest Rate (AER)Protection SchemeOpen Account
£500.002% fixed
for 2 years
on £500+
FSCSOnline, Branch & Post
Skipton 5 Year Fixed Rate ISA
Open WithInterest Rate (AER)Protection SchemeOpen Account
£500.002.5% fixed
for 5 years
on £500+
FSCSOnline, Branch & Post
Skipton 1 Year Fixed Rate ISA
Open WithInterest Rate (AER)Protection SchemeOpen Account
£500.001.5% fixed
for 1 year
on £500+
FSCSOnline, Branch & Post
Skipton Bonus Cash ISA Issue 3
Open WithInterest Rate (AER)Protection SchemeOpen Account
£1.001.5% variable
on £1+
FSCSBranch & Post
Post Office Premier Cash ISA Issue 7
Open WithInterest Rate (AER)Protection SchemeOpen Account
£100.001.55% variable
on £100+
FSCSOnline, Branch & Post
Post Office Premier Cash ISA is provided by Family Investments. Money in Post Office cash ISAs is deposited with Bank of Ireland UK.
AA 2 Year Fixed Rate ISA
Open WithInterest Rate (AER)Protection SchemeOpen Account
£1.002% fixed
for 2 years
on £1+
-Online & Phone

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Free Brochures & Guides

What Should You Do With The Best Cash ISA 2013-14 Now?

by DominicJ from money.co.uk

Hunting for the best ISA rates 2013-14 may seem like a distant memory but you should never take your eye off your old ISAs! They can suddenly turn from money-making machines into dwindling interest dribblers. Here's what to do next.

Pound Notes

While you can't pay new money into a 2013-14 Cash ISA any money you have saved doesn't have to sit dormant in an account paying a pittance.

Where do you need to start?

The first thing you need to do is work out whether your old ISA is still paying you a decent interest rate. If it is then you simply need to top it up, if it's in an accessible ISA.

If the rate you have is fixed you will need to open a new ISA, or wait until that account is no longer fixed, for example on the maturity date if it's a fixed rate ISA.

Where can you move your ISA to?

Most cash ISA's allow you to transfer your old ISA's into them. The only exception being with ISA's that limit you to your 2014-15 ISA allowance only.

When you shop around for an ISA to transfer into you need to consider how much access you want from your ISA funds, if any at all.

These are your options:

Instant access - You can withdraw or top up your ISA* at any time.

Notice account - You can top up your ISA* at any time but may need to give notice before withdrawing any funds, or lose a set amount of interest each time you withdraw.

Fixed term - If you tie your money into a fixed term ISA you are agreeing to lose access to your funds for a set term. In exchange for this you usually get a higher rate on your funds. You can only add funds* to these accounts at the start of the term.

* New deposits can't exceed your annual ISA allowance.

What can you do with your old ISA?

Top-up your ISA

In the 2014-15 tax year you can now, as of the 1st July, pay up to 15,000 into your ISA, and for the first time you can invest the entire amount into cash only ISA if you choose. You can choose to add this sum into your old ISA.

Transfer your ISA

If you invested into a stocks and shares ISA in previous years you are now able to transfer these into cash ISA's.

To find out how to transfer your ISA read the guide How To Transfer Your Cash ISA.

Compare rates

When you have decided to transfer your ISA from the last tax year into a new ISA for this year you should search online from several providers who can offer you the access you need.

If you can't transfer your ISA from previous tax years you can still open a new ISA and make the most of the best ISAs in 2014/15.