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Savings Type:	All Savings AccountsCash ISAsCash ISAs for Over 50sChildren's SavingsFixed Rate BondsFixed Rate Bonds - 1 YearFixed Rate Bonds - 2 YearFixed Rate Bonds - 3 YearFixed Rate Bonds - 4 YearFixed Rate Bonds - 5 YearInstant Access SavingsInternet SavingsInvestment ISAsInvestment ISAs for Over 50sISA SavingsNotice Account SavingsOffshore Fixed Term SavingsOffshore Instant Access SavingsRegular SavingsSelf Select ISAs
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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 Terms		Company / Product	Account			Headline Interest Rate	ISA Transfers Accepted	Minimum Initial Investment	More Info	Visit Site
		Company	Type	Cash ISA Type	Term
Promoted Results
		Alliance and Leicester Direct ISA Issue 5	Cash ISA	Instant Access	n/a	2.00%		£1
			Earn 2.50% AER on balances above £9000
		Santander Direct ISA Issue 3	Cash ISA	Instant Access	n/a	2.00%		£1
			Earn 3.00% AER on balances above £9000
		Principality Building Society e-ISA	Cash ISA	Easy Access	n/a	1.80%		£1
		HSBC Cash e-ISA Ex/C	Cash ISA	Instant Access	n/a	1.75%		£1
			Only available to customers who already hold a HSBC Current Account with internet banking.
		TD Waterhouse Self Select ISA	Investment ISA	n/a	n/a	n/a	n/a	n/a
		Selftrade Self Select ISA	Investment ISA	n/a	n/a	n/a	n/a	£50
			Choose where and when to invest, and have the flexibility to change your investments at any time.
		Virgin ISA	Investment ISA	n/a	n/a	n/a	n/a	£500
			Climate Change ISA - An environmental fund with a difference.
		Legal & General ISA	Investment ISA	n/a	n/a	n/a	n/a	£50
			Find out more about Legal & General's range of ISAs. Invest online today from just £50 a month or £500 lump sum.
		Barclays Wealth Regular Income Bond	Investment ISA	n/a	n/a	n/a	n/a	£3,600
		F & C F&C Investment Trust ISA	Investment ISA	n/a	n/a	n/a	n/a	£50
		Hargreaves Lansdown HL Vantage ISA	Investment ISA	n/a	n/a	n/a	n/a	£100
		Henderson New Star Henderson Investment Funds ISA	Investment ISA	n/a	n/a	n/a	n/a	£25
		JPMorgan Asset Management Investment Trust ISA	Investment ISA	n/a	n/a	n/a	n/a	£100
		M&G Financial Services M&G Stocks & Shares ISA	Investment ISA	n/a	n/a	n/a	n/a	£10
Full Results
		Alliance and Leicester Super Direct ISA Ex/C	Cash ISA	Instant Access	n/a	5.50%		£1
			This product is only available to existing customers.
		Santander Super Direct ISA Ex/C	Cash ISA	Instant Access	n/a	5.50%		£1
			Available to customers who fund a new or existing qualifying investment product. The amount credited to investment... more Available to customers who fund a new or existing qualifying investment product. The amount credited to investment must at least equal the amount deposited into the Super Direct ISA.The investment must remain open for 12 months or the rate applicable to the Direct ISA 3 will apply.
		Leeds Building Society 5 Year Fixed Rate ISA Issue 16	Cash ISA	Fixed Term	5years	4.60%		£1
		Birmingham Midshires 5 Year Fixed Rate ISA	Cash ISA	Fixed Term	5years	4.55%		£500
		Nationwide 5 Year Fixed Rate ISA Bond	Cash ISA	Fixed Term	5years	4.50%		£1
			Existing customers will not be able to top up an existing ISA, however they can open another ISA to deposit the... more Existing customers will not be able to top up an existing ISA, however they can open another ISA to deposit the additional allowance.
		Northern Rock Stepped Fixed Rate ISA Issue 3 (Step 3)	Cash ISA	Fixed Term	15 Mar 2013	4.50%		£500
		Julian Hodge Bank Cash ISA 5 Year	Cash ISA	Fixed Term	5years	4.40%		£3,600
		Norwich & Peterborough Building Society 5 Year Fixed Rate Cash ISA	Cash ISA	Fixed Term	5years	4.30%		£3,600
		Halifax 4 Year Fixed Rate ISA Saver	Cash ISA	Fixed Term	4years	4.25%		£500
		Julian Hodge Bank Cash ISA 4 Year	Cash ISA	Fixed Term	4years	4.15%		£3,600
		M&S 3 Year Fixed Rate Savings Cash ISA	Cash ISA	Fixed Term	3years	4.00%		£500
		Cumberland 5 Year Fixed Rate Cash ISA	Cash ISA	Fixed Term	5years(25 Nov 2014)	4.00%		£3,600
			New accounts only available to people living in Cumbria, Dumfriesshire, Preston area of North Lancashire and Haltwhistle... more New accounts only available to people living in Cumbria, Dumfriesshire, Preston area of North Lancashire and Haltwhistle area of Northumberland.
		Nationwide 3 Year 50+ Fixed Rate ISA Bond	Cash ISA	Fixed Term	3years	4.00%		£1
			This account is only available to those aged 50 or above on or before 5th April 2010.
		Aldermore 3 Year Fixed Rate ISA	Cash ISA	Fixed Term	3years	4.00%		£3,600
		Northern Rock Stepped Fixed Rate ISA Issue 3 (Step 2)	Cash ISA	Fixed Term	15 Mar 2013	4.00%		£500
		Kent Reliance Building Society Direct Fixed Rate ISA to 30 Sept 2014	Cash ISA	Fixed Term	30 Sep 2014	4.00%		£100
		Julian Hodge Bank Cash ISA 3 Year	Cash ISA	Fixed Term	3years	3.90%		£3,600
		Saga Three Year Fixed ISA Monthly	Cash ISA	Fixed Term	3years	3.90%		£1
		Saga Three Year Fixed Rate ISA	Cash ISA	Fixed Term	3years	3.90%		£1
		Halifax 3 Year Fixed Rate ISA Saver	Cash ISA	Fixed Term	3years	3.75%		£500
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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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