Compare Cash ISAs for Over 50s

Compare the best cash ISAs for over 50s at a glance and secure the best rate possible on an over 50 ISA so your savings are working as hard as possible. Our dedicated Over 50s cash ISA comparison table takes the hassle out of finding the highest interest rates available an UK over 50 ISA savings accounts.
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AccountHeadline InterestInterest PaidISA Transfers InMin 1st Deposit 
Cash ISA TypeTermRateBalance 
Promoted Results
Halifax
5 Year ISA Saver Fixed
Fixed Term
5
years
4.2%.£500annually£500
You could qualify for the Halifax Savers Prize Draw which every month gives 3 savers £100,000. Hold £5,000 or more in Halifax
NatWest
3 Year Fixed Rate ISA Issue 38
Fixed Term
3
years
(04 Apr 2015)
4.2%£1,000choice£1,000
Rates only apply if transfering in money from another ISA provider, and apply before 29th Feb. Otherwise standard rate is 3.80% AER.
Halifax
4 Year ISA Saver Fixed
Fixed Term
4
years
4.1%£500annually£500
You could qualify for the Halifax Savers Prize Draw which every month gives 3 savers £100,000. Hold £5,000 or more in Halifax
Governor Money
Progressive BS 4 Year Fixed Rate Cash ISA
Fixed Term
4
years
(07 Mar 2016)
4.05%£100annually£100
NatWest
2 Year Fixed Rate ISA Issue 37
Fixed Term
2
years
(04 Apr 2014)
3.9%£1,000annually£1,000
Rates only apply if transfering in money from another ISA provider, and apply before 29th Feb. Otherwise standard rate is 3.50% AER.
Governor Money
Progressive BS 2 Year Fixed Rate Cash ISA
Fixed Term
2
years
(07 Mar 2014)
3.75%£100annually£100
Halifax
3 Year ISA Saver Fixed
Fixed Term
3
years
3.55%.£500annually£500
You could qualify for the Halifax Savers Prize Draw which every month gives 3 savers £100,000. Hold £5,000 or more in Halifax
Halifax
2 Year ISA Saver Fixed
Fixed Term
2
years
3.5%£500annually£500
You could qualify for the Halifax Savers Prize Draw which every month gives 3 savers £100,000. Hold £5,000 or more in Halifax
NatWest
1 Year Fixed Rate ISA Issue 36
Fixed Term
1
year
(04 Apr 2013)
3.35%£1,000maturity£1,000
Rates only apply if transfering in money from another ISA provider, and apply before 29th Feb. Otherwise standard rate is 2.60% AER.
Chelsea Building Society
 
3.20% Fixed Rate ISA to 31/07/2013
Fixed Term31 Jul
2013		3.2%£100choice£100
Nationwide
Online ISA (Issue 2) Ex/C
Instant Access
n/a
3.1%£25,000annually£1,000
This account is available to existing Nationwide customers who hold a card-based current or card-based savings account.
Virgin
Easy Access Cash eISA
Instant Access
n/a
2.85%£1choice£1
Halifax
ISA Saver Online
Instant Access
n/a
2.6%£1annually£1
You could qualify for the Halifax Savers Prize Draw which every month gives 3 savers £100,000. Hold £5,000 or more in Halifax
NatWest
e-ISA
Instant Access
n/a
2.5%£30,000monthly£1
Need to open NatWest Instant Access Account at same time as you apply for ISA.
Halifax
1 Year ISA Saver Fixed
Fixed Term
1
year
2.25%£500annually£500
Open this account and get the chance to enter the £100,00 Halifax Savers Prize Draw
NatWest
Cash ISA
Instant Access
n/a
2%£50,000monthly£1
2% on balances over £50k. Rates start from 0.55%. Bonuses avialable.
Full Results
Halifax
5 Year ISA Saver Fixed
Fixed Term
5
years
4.2%.£500annually£500
You could qualify for the Halifax Savers Prize Draw which every month gives 3 savers £100,000. Hold £5,000 or more in Halifax
Clydesdale Bank
Cash ISA Fixed Rate Bond Issue 14
Fixed Term29 Jan
2016		4.4%£2,000annually£2,000
Yorkshire Bank
Cash ISA Fixed Rate Bond Issue 14
Fixed Term29 Jan
2016		4.4%£2,000annually£2,000
Kent Reliance Banking Services
 
Flexible Fixed Rate ISA Five Year Issue 1
Fixed Term
5
years
4.35%£1,000choice£1,000
BM Savings
5 Year Fixed Rate ISA
Fixed Term
5
years
4.25%£500choice£500
Leek United
5 Year Fixed Rate, Fixed Term Cash ISA
Fixed Term
5
years
4.25%£5,340annually£5,340
NatWest
3 Year Fixed Rate ISA Issue 38
Fixed Term
3
years
(04 Apr 2015)
4.2%£1,000choice£1,000
Rates only apply if transfering in money from another ISA provider, and apply before 29th Feb. Otherwise standard rate is 3.80% AER.
RBS
3 Year Fixed Rate ISA Issue 38
Fixed Term
3
years
(04 Apr 2015)
4.2%£1,000choice£1,000
NatWest
3 Year Fixed Rate ISA Issue 38 (Transfers In Only)
Fixed Term
3
years
(04 Apr 2015)
4.2%£1,000annually£1,000
NatWest
3 Yr Fxd Rate ISA Iss 38 (Transfers In Only) Mthly
Fixed Term
3
years
(04 Apr 2015)
4.2%£1,000monthly£1,000
RBS
3 Year Fixed Rate ISA Issue 38 (Transfers In Only)
Fixed Term
3
years
(04 Apr 2015)
4.2%£1,000annually£1,000
RBS
3 Yr Fxd Rate ISA Iss 38 (Transfers In Only) Mthly
Fixed Term
3
years
(04 Apr 2015)
4.2%£1,000monthly£1,000
Halifax
4 Year ISA Saver Fixed
Fixed Term
4
years
4.1%£500annually£500
You could qualify for the Halifax Savers Prize Draw which every month gives 3 savers £100,000. Hold £5,000 or more in Halifax
Bank of Cyprus UK
 
Loyalty 3 Year Fixed Rate ISA Ex/C
Fixed Term
3
years
4.1%£1annually£1
This product is only available to existing customers who opened a Bank of Cyprus UK Account, Bond or Fixed Rate Cash ISA on or before 31st October... more
Governor Money
Progressive BS 4 Year Fixed Rate Cash ISA
Fixed Term
4
years
(07 Mar 2016)
4.05%£100annually£100
Julian Hodge Bank
 
Cash ISA 5 Year
Fixed Term
5
years
4%£5,340annually£5,340
Santander
Super Flexible ISA (Issue 2) Ex/C
Instant Access
1
year
4%£1maturity£1
Available to customers who fund a new or existing qualifying investment product. The amount credited to investment must at least equal the amount... more
Wesleyan Bank Limited
 
5 Year Fixed Rate Cash ISA
Fixed Term
5
years
4%£5,340annually£5,340
NatWest
2 Year Fixed Rate ISA Issue 37
Fixed Term
2
years
(04 Apr 2014)
3.9%£1,000annually£1,000
Rates only apply if transfering in money from another ISA provider, and apply before 29th Feb. Otherwise standard rate is 3.50% AER.
RBS
2 Year Fixed Rate ISA Issue 37
Fixed Term
2
years
(04 Apr 2014)
3.9%£1,000annually£1,000
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How to Choose the Best Cash ISAs for Over 50s

Here’s what you need to know and how to choose the best ISAs for over 50s.

If you are over 50 and looking for a new Cash ISA there are likely to be lots of different factors that influence your decision about the type of account to go for.

Plans for retirement and access to your cash are all things you might need to consider, so how can you ensure you’re getting a Cash ISA that meets your needs?

Here’s what you need to know about choosing the best ISAs for over 50s.

Is there any difference in the Cash ISA limit over 50?

The short answer to this question is not any more. In the past the ISA rules and limits have been different for those over the age of 50, but now there’s no difference in the type of ISAs you can open and the amount that you can save.

Previously the over 50s ISA allowance had risen ahead of the contribution limits for younger savers.

On the 6th October 2009 the annual Cash ISA limit for over 50s was increased from £3,600 to £5,100 but the amount under 50s could save did not rise to meet this level until several months later, in April, 2010.

Now the annual ISA limits are the same for both under 50s and over 50s, meaning you can save the same amount in a Cash ISA each year, regardless of your age.

However, there are some dedicated Cash ISAs only open to over 50s that promise to give a better rate of interest; however there is no guarantee that they will be the best ISA deals for over 50s.

Finding the best ISA rates for over 50s

If you are over 50 and looking for a Cash ISA then you will have to consider the following factors before making your choice:

What access do you need?

Deciding when you may need to draw on your savings is the first thing you should establish before directly comparing different Cash ISAs.

If you are saving for the long term and are unlikely to need your cash in the near future you may want to consider fixed rate cash ISAs for over 50s, which would lock away your money in exchange for a better interest rate.

However, if you may need to withdraw your savings then look at instant access ISAs, to avoid being penalised if you have to access your money.

Who offers the best rate?

Once you’ve decided what type of access you need you should look to find an account that offers the best Cash ISA rates for over 50s.

Getting the best interest rate possible is the best way to ensure your savings earn you as much money as possible.

There are some dedicated Cash ISAs only open to over 50s that promise to give a better rate of interest, however this is not always the case.

Use our Over 50s ISAs table to compare the top ISA accounts on the market to ensure you get the best home for your savings.

Invest it instead?

Investments are designed to be a long term undertaking so they’re unlikely to be suitable if you need flexible access to your cash.

However, if you want to draw a regular income from your savings or a looking for long term capital growth then you may want to consider an Investment ISA.

However, unlike Cash ISAs, there is a risk associated to your capital in an Investment ISAs, read our article Investment ISAs a Beginner’s Guide for more information.

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