Investment ISAs are tax-efficient wrappers for long term investments. You may get back less than you pay in because your capital isn't guaranteed and charges may apply. Your personal circumstances will determine how much tax you pay on your investments and returns; tax laws may change.

Vanquis 5 Year High Yield Bond
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Fixed Bond£1,0003.11% fixed
for 5 years
FSCSOnline
Aldermore 5 Year Fixed Rate Bond
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Fixed Bond£1,0003.1% fixed
for 5 years
FSCSOnline, Phone & Post
Aldermore Customised Fixed Rate Business Savings Account
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Business Term Account£1,0001.2% to 3% fixed
for 60 days to 5 years
FSCSOnline
The longer the term you select, the higher the interest rate. The interest rate will remain fixed for the duration of the term.
Vanquis 4 Year High Yield Bond
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Fixed Bond£1,0002.91% fixed
for 4 years
FSCSOnline
Aldermore 4 Year Fixed Rate Bond
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Fixed Bond£1,0002.9% fixed
for 4 years
FSCSOnline, Phone & Post
Investec Bank 5 Year Step Up Bond
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Fixed Bond£25,0002.85% fixed
for 5 years
then 3.85%
FSCSOnline
Aldermore 3 Year Fixed Rate Bond
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Fixed Bond£1,0002.7% fixed
for 3 years
FSCSOnline, Phone & Post
Investec Bank 3 Year Fixed Term Deposit
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Fixed Bond£25,0002.65% fixed
for 3 years
FSCSOnline & Post
Investec Bank 3 Year Base Rate Plus
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Tracker Bond£25,0002.6% variable
for 3 years
FSCSOnline
Bank of Cyprus UK 3 Year Bond
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Fixed Bond£1,0002.5% fixed
for 3 years
FSCSOnline, Branch, Phone & Post
Vanquis 3 Year High Yield Bond
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Fixed Bond£1,0002.5% fixed
for 3 years
FSCSOnline
Investec Bank 2 Year Fixed Term Deposit
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Fixed Bond£25,0002.3% fixed
for 2 years
FSCSOnline & Post
Aldermore 3 Year Fixed Rate Cash ISA
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Cash ISA£1,0002.25% fixed
for 3 years
FSCSOnline, Phone & Post
Halifax 5 Year ISA Saver Fixed
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Cash ISA£5002.20% fixed
for 5 years
FSCSOnline, Branch & Phone
No withdrawals allowed except on early closure subject to the loss of 365 days tax-free interest.
Paragon Bank 2 Year Fixed Rate
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Fixed Bond£1,0002.1% fixed
for 2 years
FSCSOnline
Halifax 4 Year ISA Saver Fixed
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Cash ISA£5002.10% fixed
for 4 years
FSCSOnline, Branch & Phone
No withdrawals allowed except on early closure subject to the loss of 320 days tax-free interest.
Aldermore 2 Year Fixed Rate Bond
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Fixed Bond£1,0002% fixed
for 2 years
FSCSOnline, Phone & Post
Halifax 3 Year ISA Saver Fixed
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Cash ISA£5002.00% fixed
for 3 years
FSCSOnline, Branch & Phone
No withdrawals allowed except on early closure subject to the loss of 270 days tax-free interest.
Halifax Fixed Online Saver - 5 Year Term
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Fixed Bond£5002.00% fixed
for 5 years
FSCSOnline
No withdrawals allowed except on early closure subject to the loss of 365 days gross interest.
Aldermore 2 Year Fixed Rate Cash ISA
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Cash ISA£1,0002% fixed
for 2 years
FSCSOnline, Phone & Post

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How to Find the Best Savings Accounts 2014

If you havenít checked the rate of interest youíre earning on your savings in a while itís quite possible that the returns have dropped dramatically.

How to Find the Best Savings Accounts 2014

Banks are notorious for paying as little as possible on unwatched savings accounts which is why you need to be proactive if you want to keep on earning a competitive rate.

Thankfully this isn’t difficult, now that you can apply for many of the best savings accounts 2014 has to offer online you can move your money about with minimum hassle even if you don’t currently bank with the provider offering you the best savings account rates 2014.

How to find the top savings accounts 2014

Firstly, before you even start looking for the best savings rates 2014 can give you, you’ll need to decide whether you want access to your money and if so whether you are prepared to give notice before you make a withdrawal.

If you need instant access then don’t be tempted to go for a fixed term account because it’s likely you’ll either be unable to get at your money when you need it or lose the best interest rates for savings 2014 that attracted you to the account in the first place because you’ll be hit with a penalty.

The best savings account interest rates 2014 will usually be available on long term fixed rate savings accounts. However, as long as you’re prepared to move your money periodically then you may be better off going for a shorter term because high interest savings accounts 2014 may be nothing compared to the rates available in a few years should the Bank of England up their base rate.

If you’re not tied in for the long term then you’re able to move your money elsewhere to take advantage of better returns. Of course, if interest rates fall then you could have lost out so that’s the gamble you’ll need to make.

Once you’ve decided between instant access or fixed term and considered regular savings accounts where interest is higher but you’ll need to commit to a monthly payment for a specific period, you’ll need to look for the account that gives you the best savings rates 2014 for the amount you want to save.

Many savings accounts will tier their interest rates and the headline return may only be payable on a significant sum so make sure you earn as much as you can for the amount you want to put in. You’ll also need to double check access conditions – are there any penalties for withdrawals, can you manage your banking online etc – as well as any minimum balances.

Banking on a bonus

Many easy access savings accounts will apply a variable rate of interest so you’ll need to check regularly to make sure your money is still in the most competitive place.

You’ll also find that many will offer a bonus rate of interest for a certain period – usually 6 to 12 months. This will elevate your return for a short while which can be a good thing as you get some rate reassurance. However, most will follow an underlying variable rate so you’ll still need to check regularly. It will also be really important to note down when the bonus ends so you can move your savings accordingly.

Compare savings rates

Once you’ve worked out what you need from a savings account it’s simply a case of applying for the best savings account 2014 can offer you.

Remember to use your ISA allowance if you haven’t already and, if you’re planning on transferring an ISA, to get your bank to move the money for you. Otherwise if you’re opening an ordinary savings account you can move the money yourself.

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