Compare ISA Savings

We help you to compare the best mini cash ISA rates and high interest saving ISAs available from the leading UK providers so you get the best tax free return on your money possible. Whether you're looking to invest in maxi or mini cash ISAs you can find the best rates here.
Savings Accounts
Compare the whole savings accounts market so you can find the best high interest savings account for your money no matter how much you have to save. We list all types of account.
Glossary of TermsCompany / ProductAccountHeadline Interest RateISA Transfers AcceptedMinimum Initial InvestmentMore
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CompanyTypeCash ISA TypeTerm  
Promoted Results
Alliance and LeicesterAlliance and Leicester Direct ISA Issue 5Cash ISAInstant Accessn/a2.00%yes£1Alliance and Leicester Direct ISA Issue 5Visit Site
 Earn 2.50% AER on balances above £9000
SantanderSantander Direct ISA Issue 3Cash ISAInstant Accessn/a2.00%yes£1Santander Direct ISA Issue 3Visit Site
 Earn 3.00% AER on balances above £9000
Principality Building SocietyPrincipality Building Society e-ISACash ISAEasy Accessn/a1.80%yes£1Principality Building Society e-ISAVisit Site
HSBCHSBC Cash e-ISA Ex/CCash ISAInstant Accessn/a1.75%yes£1HSBC Cash e-ISA Ex/CVisit Site
 
Only available to customers who already hold a HSBC Current Account with internet banking.
TD WaterhouseTD Waterhouse Self Select ISAInvestment ISAn/an/an/an/an/aTD Waterhouse Self Select ISAVisit Site
SelftradeSelftrade Self Select ISAInvestment ISAn/an/an/an/a£50Selftrade Self Select ISAVisit Site
 Choose where and when to invest, and have the flexibility to change your investments at any time.
VirginVirgin ISAInvestment ISAn/an/an/an/a£500Virgin ISAVisit Site
 Climate Change ISA - An environmental fund with a difference.
Legal & GeneralLegal & General ISAInvestment ISAn/an/an/an/a£50Legal & General ISAVisit Site
 Find out more about Legal & General's range of ISAs. Invest online today from just £50 a month or £500 lump sum.
Barclays WealthBarclays Wealth Regular Income BondInvestment ISAn/an/an/an/a£3,600Barclays Wealth Regular Income BondVisit Site
F & CF & C F&C Investment Trust ISAInvestment ISAn/an/an/an/a£50F & C F&C Investment Trust ISAVisit Site
Hargreaves LansdownHargreaves Lansdown HL Vantage ISAInvestment ISAn/an/an/an/a£100Hargreaves Lansdown HL Vantage ISAVisit Site
Henderson New StarHenderson New Star Henderson Investment Funds ISAInvestment ISAn/an/an/an/a£25Henderson New Star Henderson Investment Funds ISAVisit Site
JPMorgan Asset ManagementJPMorgan Asset Management Investment Trust ISAInvestment ISAn/an/an/an/a£100JPMorgan Asset Management Investment Trust ISAVisit Site
M&G Financial ServicesM&G Financial Services M&G Stocks & Shares ISAInvestment ISAn/an/an/an/a£10M&G Financial Services M&G Stocks & Shares ISAVisit Site
Full Results
Alliance and LeicesterAlliance and Leicester Super Direct ISA Ex/CCash ISAInstant Accessn/a5.50%yes£1Alliance and Leicester Super Direct ISA Ex/CVisit Site
 
This product is only available to existing customers.
SantanderSantander Super Direct ISA Ex/CCash ISAInstant Accessn/a5.50%yes£1Santander Super Direct ISA Ex/CVisit Site
 
Available to customers who fund a new or existing qualifying investment product. The amount credited to investment... more
Leeds Building SocietyLeeds Building Society 5 Year Fixed Rate ISA Issue 16Cash ISAFixed Term5years4.60%yes£1Leeds Building Society 5 Year Fixed Rate ISA Issue 16Visit Site
Birmingham MidshiresBirmingham Midshires 5 Year Fixed Rate ISACash ISAFixed Term5years4.55%yes£500Birmingham Midshires 5 Year Fixed Rate ISAVisit Site
NationwideNationwide 5 Year Fixed Rate ISA BondCash ISAFixed Term5years4.50%yes£1Nationwide 5 Year Fixed Rate ISA BondVisit Site
 
Existing customers will not be able to top up an existing ISA, however they can open another ISA to deposit the... more
Northern RockNorthern Rock Stepped Fixed Rate ISA Issue 3 (Step 3)Cash ISAFixed Term15 Mar
2013
4.50%yes£500Northern Rock Stepped Fixed Rate ISA Issue 3 (Step 3)Visit Site
Julian Hodge BankJulian Hodge Bank Cash ISA 5 YearCash ISAFixed Term5years4.40%yes£3,600Julian Hodge Bank Cash ISA 5 YearVisit Site
Norwich & Peterborough Building SocietyNorwich & Peterborough Building Society 5 Year Fixed Rate Cash ISACash ISAFixed Term5years4.30%yes£3,600Norwich & Peterborough Building Society 5 Year Fixed Rate Cash ISAVisit Site
HalifaxHalifax 4 Year Fixed Rate ISA SaverCash ISAFixed Term4years4.25%yes£500Halifax 4 Year Fixed Rate ISA SaverVisit Site
Julian Hodge BankJulian Hodge Bank Cash ISA 4 YearCash ISAFixed Term4years4.15%yes£3,600Julian Hodge Bank Cash ISA 4 YearVisit Site
M&SM&S 3 Year Fixed Rate Savings Cash ISACash ISAFixed Term3years4.00%yes£500M&S 3 Year Fixed Rate Savings Cash ISAVisit Site
CumberlandCumberland 5 Year Fixed Rate Cash ISACash ISAFixed Term5years(25 Nov 2014)4.00%yes£3,600Cumberland 5 Year Fixed Rate Cash ISAVisit Site
 
New accounts only available to people living in Cumbria, Dumfriesshire, Preston area of North Lancashire and Haltwhistle... more
NationwideNationwide 3 Year 50+ Fixed Rate ISA BondCash ISAFixed Term3years4.00%yes£1Nationwide 3 Year 50+ Fixed Rate ISA BondVisit Site
 
This account is only available to those aged 50 or above on or before 5th April 2010.
AldermoreAldermore 3 Year Fixed Rate ISACash ISAFixed Term3years4.00%yes£3,600Aldermore 3 Year Fixed Rate ISAVisit Site
Northern RockNorthern Rock Stepped Fixed Rate ISA Issue 3 (Step 2)Cash ISAFixed Term15 Mar
2013
4.00%yes£500Northern Rock Stepped Fixed Rate ISA Issue 3 (Step 2)Visit Site
Kent Reliance Building SocietyKent Reliance Building Society Direct Fixed Rate ISA to 30 Sept 2014Cash ISAFixed Term30 Sep
2014
4.00%yes£100Kent Reliance Building Society Direct Fixed Rate ISA to 30 Sept 2014Visit Site
Julian Hodge BankJulian Hodge Bank Cash ISA 3 YearCash ISAFixed Term3years3.90%yes£3,600Julian Hodge Bank Cash ISA 3 YearVisit Site
SagaSaga Three Year Fixed ISA MonthlyCash ISAFixed Term3years3.90%yes£1Saga Three Year Fixed ISA MonthlyVisit Site
SagaSaga Three Year Fixed Rate ISACash ISAFixed Term3years3.90%yes£1Saga Three Year Fixed Rate ISAVisit Site
HalifaxHalifax 3 Year Fixed Rate ISA SaverCash ISAFixed Term3years3.75%yes£500Halifax 3 Year Fixed Rate ISA SaverVisit Site
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ISA Savings Explained

Find out how you can use your ISA allowance to save £7,200 each year tax free.

As an incentive to save the government provides each UK resident over the age of 16 with a tax free investment allowance of £7,200 every tax year (this runs from 6th April to the 5th April the following year). These are known as ISAs (Individual Savings Accounts) and funds can either be invested as cash or in stocks and shares.

(In the 2009 budget the Chancellor announced that the ISA limit is set to increase to a total tax free savings allowance of £10,200, £5,100 of which can be saved as cash. This has already come into effect for those over 50 and will apply early next year to all other savers).

The Mini/Maxi distinction that used to govern ISA investments has now been replaced with a much simpler scheme that, each tax year, allows you to save up to £3,600 in a Cash ISA and any remaining allowance up to the £7,200 maximum in a Stocks and Shares ISA.

As part of this simplification, which came into effect on the 6th April 2008, all existing Mini Cash ISAs, TESSA-only ISAs and the cash components of Maxi ISAs will be known as Cash ISAs, while PEPs and the stocks and shares components of existing Maxi ISAs will be known as Stocks and Shares ISAs.

Most banks and building societies offer a range of Cash ISA accounts. These operate similarly to ordinary, taxable savings accounts with both fixed term and instant access options available. Cash ISAs tend to be most suited to savers looking for guaranteed returns and those who need access to their money over the short term.

Stocks and shares ISAs on the other hand tend to be more suitable for those looking to invest over a longer period and, as with any investment in the stock market, they do involve an element of risk as returns are dependent on the performance of the stock you invest in. However, it is possible to mediate this risk by spreading your investments using vehicles such as fund ISAs.

During a tax year you are allowed to invest your Cash and Stocks and Shares ISA allowances with different providers, although you are only able to pay into a single Cash ISA account (held with a single provider) each year. You can however hold different ISA accounts that house previous years’ allowances with a number of different providers.

Any money you invest in an ISA gains its tax-free status immediately so you start to reap the tax-free benefits right away. However, it’s important to remember that after you use your full allowance for a tax year (whether this be the £3,600 cash or £7,200 maximum) you are unable to pay in any more funds even if you have made a withdrawal.

Despite this, you can transfer ISAs between providers, although it is vital that you do this by requesting an internal transfer rather than by simply withdrawing the money.

As with previous years’ allowances you are able to transfer funds held in a Cash ISA with one provider to an equivalent Cash ISA held by another provider, similarly with Stocks and Shares ISAs. However, as of the 6th April, 2008, you are now also able to transfer investments held as cash from previous years allowances and money invested under your current year’s Cash ISA allowance, into stocks and shares without losing the tax-free benefits.

Whether you decide to use your ISA allowance wholly to invest in the stock market or prefer to have keep some available as cash, the only important thing is that you use as much of it as possible each tax year as ISA allowances don’t roll over, so if you don’t use them, you lose them.

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